BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: Security Credit Services, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to Security Credit Services , LLC. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been dealing with this issue since last year 2022. I am a victim of identity theft. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One denied an application dated XX/XX/19 that I never even applied for this account and it says I have to wait 90 days to reapply. But I never even applied. 

Application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: ID Analytics, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted the company on XX/XX/2019 to request a copy of my credit score through them and my credit report. The website indicates I will receive this information within 7 business days by first class mail. The credit score arrived at the end of XXXX ( XX/XX/2019 ) and the credit report has not yet arrived. The reasons listed for a " low score '' include limited history at phone number - which has been the same phone number for over 15 years. I have requested another copy of my report and have not yet received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector XXXX XXXX reported a XXXX account that was opened on my name in Michigan ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the three credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both XXXX XXXX and XXXX XXXX are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, AFNI INC is doing the same thing and the account is currently under dispute. As soon as I told AFNI that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon looking at my credit report I found several I found several fraudulent accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there also several fraudulent hard inquiries which includes XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charged Off ) MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was contacted by someone calling from Wells Fargo Customer Service. It appeared as the correct number, but was a scammer. I had just applied for a personal loan a few moments before, so I answered thinking it may have something to do with that. The person on the other end told me that they were calling from Wells Fargo because someone had tried to send themselves money from my checking account through XXXX. He said that WF can't interfere with a XXXX transaction, but that if I created an account and sent the money back to myself, it would reverse the transaction. I did so twice, first sending {$1000.00} and then {$440.00}. I want to be clear that the only information I entered when making this transaction was my OWN name and phone number. The attached bank document will show that I sent the money to myself ( or so I thought ). I never authorized a transaction to send to an outside account or any other person, therefore making this FRAUD, not an authorized transaction as WF is claiming. About ten minutes after hanging up, I realized something was strange and called WF to report the incident. After waiting the recommended ten days, I still had heard nothing so I called them and was told my case had been closed ( without notification to myself ) and that the bank said there was nothing they could do since I authorized the transaction. Again, I do not feel that I authorized this transaction as I thought I was simply sending money to my own account. I was told that they have no way of knowing if I was complicit in the fraud ; but if they suspect something like that, why did they approve me for a personal loan of $ XXXX? I plan on closing my accounts ( I've already closed my savings account ) and moving my money to a credit union. I've also been interviewed by a local news station regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company is without a doubt one of the most unscrupulous ones out there. I have constant issues with them especially with regards to them failing to apply payments, changing due dates, adjusting available credit weeks after payments already cleared. 

I was enrolled in 3 different programs for covid been there for 8 years never late and i paid as well based on their directives and they reported me late for XXXX and XX/XX/2020. Never been late in 8 years didnt start now. 

Just because they repeatedly lie about it i started screenshots of everything nightly. They are now saying i didnt make a payment before XX/XX/XXXX which you clearly see attached i made the payments and more and they fraudulently added on a late fee yet again. They also have yet to refund a cancelled transaction from XX/XX/2020 which is just how they are - beware

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Back in XX/XX/XXXX of this year, I submitted in application for co-signer removal of the student loan. I have provided sufficient documents they wanted and have not heard back from them. I am always on time paying this loan and have been paying for it for the past ten years. All I asked is to remove the co-signers name and called multiple times to American Education Services to see updates. They kept telling we haven't heard from them yet. They submitted my application twice and still no response. Then actual lender is XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I received a fraud credit alert from XXXX  that my credit was pulled with ( ONE MAIN FINANCIAL ). I did not apply for anything so I immediately called the number listed on the FRAUD ALERT and spoke to a representative at ( ONE MAIN FINANCIAL ). The ( ONE MAIN FINANCIAL ) representative said that they did not see any credit application in their system. I explained to them that I received an alert stating that there was an application for a loan, but I did not apply for anything. Again the rep said they did not see any application or credit pull. 

I then called the Credit bureaus to dispute the fraudulent inquiry and have it removed. It is now XX/XX/2021 and the fraudulent credit inquiry is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
is not responsible for any medical bills have had medicaide since 2008!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Equifax refuse to include my maiden name. I 've submitted my drivers license in XXXX. My married name is XXXX. All of my former employers have been deleted. I sent a current copy of my social security card with my name as XXXX XXXX XXXX. I 've sent a copy of my IRS statement showing my name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made several attempts to let a Equifax, consumer reporting bureau know that there are items on my credit repot that is not mine but yet they continue to report these inaccurate items on my report i.e. addresses and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive been working for a not-for-profit for over 5 years. Ive been paying my student loans on time, every time. 

At the time my loans were owned by Nelnet. When my monthly payment was being calculated for XX/XX/XXXX, they were done so incorrectly. I was not aware that this was the case until a later date. When I found out, I made a payment of over {$3000.00} to account for my inaccurate payments. 

In XX/XX/XXXX, I officially signed up for the Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX. I began making my monthly payments to them. 

During this period, my payments were assessed for which payments counted as qualifying payments to be forgiven. What I have discovered recently, as confirmed with XXXX XXXX, is that not all of my payments were counted as qualifying. This is due to the miscalculation by Nelnet, in  addition, they put me on a Forbearance and to my dismay, they did not inform me. 

As a result, 3 years worth of payments were not counted and my forgiveness date has been pushed out from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022 a fraudulent charge hit my account of {$2900.00}. Before this occurred I received an email stating someone had logged into my account password and changed my phone number number out of XXXX, Colorado.. I immediately called the bank and by the time I went through automation and spoke with someone the charge had hit my account.. Chime explained I would have to call back once the charge settled. I called back Friday to file dispute. Not even seven hours later they closed my dispute stating the transaction was not suspicious. I filed a police report here locally and in XXXX, Colorado Police Dept and spoke with store manager of XXXX XXXX where the transaction occured. Everyone except Chime financial is doing there part to help. I have worked so unbelievably hard for that money and when someone steals my bank information and makes a purchase in a state I've never been. Chime declines me and refuses to do their part. I was XXXX. police report was filed with both states LA XXXX CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report since XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be deleted in my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief