BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy is reporting that should not be I did not give authorization to report this and this is defaming my character. I am asking for verification with my wet signature that this is to be reported. I'm aware that no court or agency reports this information to any bureau

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 2023-08-29
Company: DriveTime
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt was sold from drive time which the company is no longer in business. They reported that I owed an amount and apparently the company who bought it was XXXX XXXX XXXX. This company has been handling the account inappropriately. I had a court date because they took me to court for garnishment that I wasn't even privy to and I even had a letter stating that they had dropped the garnishment. I tried to get this overturned with a court but unfortunately it is harder than it seems with the Judgment going into default because I didn't know they were going to court. I showed up the last times in court thinking that they were going to show up and they never even showed up. I have tried multiple times to reach out to the lawyer that's on this account and he's never not once contacted me back.

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 2019-09-05
Company: Experian Information Solutions 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:
There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.

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 2023-08-28
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX sold to Jefferson Capital System for collection. 
Date Opened XX/XX/2022 with Jefferson Capital System {$250.00} Account Number ( s ) : XXXX {$420.00} Account Number ( s ) : XXXX {$600.00} Account Number ( s ) : XXXX This debt has been disputed multiple times and they continue to resale this same debt and accounts to new collections agencies. This is fraudulent account and they are attached to the police report for identity theft but the collection agency keep selling the debt to new agencies. I have directly disputed these same three accounts with the creditors and other agenies but this debt keep showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo owes me approximately {$XXXX}. It is not my fault that they hire inept employees who don't advise tcustomers what type of account they are opening. 

As I I stated in my XXXX complaint, since I wasn't advised I had a special account, I was almost evicted, had to pay court fees, had to get payday loans because XXXX refused to give me access to MY money, so I am out approximately {$XXXX}! 

What the XXXX does XXXX think {$220.00} is going to do? I want what is owed me. The {$200.00} is what was promised me if I open the account. 

Wells Fargo needs to pay me at least half of the money that I am out due to their asinine rules. 

If not, can I take XXXX to 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 monetary relief
Consumer complaint received 2020-04-21
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX MORTGAGE 30 DAYS LATE IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Chime Financial Inc
State: MN
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:
About in XXXX of XXXX, I have seen I had fraudulent transactions and I had called my bank ( CHIME ) and they reassured me the money would be returned. A few weeks go by and that was a lie so I filed a dispute with them it got REJECTED! So they said file a police report and then refile a dispute it GOT REJECTED AGAIN, I got scammed and my money stolen, XXXX to be exact and I have done everything they told me to do to prove I had my money stolen. And recently I have heard recent stories about this bank never disputing peoples money back. And ever since I have been struggling financially wise its been an ongoing battle and just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have disputed and called to remove this accounts that I had no knowledge of and that are still on my credit

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 2022-07-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, 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 XXXX  XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

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 an account without my written instructions.

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 2019-03-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following is in response to Select Portfolio Servicings ( SPS ) response ( XXXX ) dated dated XX/XX/XXXX andXX/XX/XXXX response ( XX/XX/XXXX ) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of SPS 's and XX/XX/XXXX fraudulent activity and misrepresentation. First, both SPS and XXXX  assert the property address associated with the alleged note and mortgage as XXXX XXXX XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX  ; and XXXX XXXX XXXX XXXX XXXX, NY XXXX, and lastly, XXXX XXXX XXXX XXXX, NY XXXX. XXXX, NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. XXXX   acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX   ( XX/XX/XXXX ). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation SPS and XXXX continue to perpetrate. SPS ( AKA XXXX XXXX XXXX XXXX ), XXXX, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has XXXX misrepresented the facts when they sold the alleged note and mortgage to XXXX, SPS continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and SPS defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove unauthorized accounts and inquiries off my credit report Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries : 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

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 2023-09-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello! I am pleased that the XXXX and XXXX have removed all the specified unauthorized inquiries in my credit report! And in regards to the remaining inquiries that the Equifax have not yet removed. I am, once more, kindly asking the bureau to please remove these remaining inquiries that I eagerly want to be removed from my Equifax Credit Report : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX  XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX account XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Eastern Account Systems of Connecticut, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet is reporting incorrect late payments to my report. I have disputed this item with them via phone and mail. Below I have attached correspondence between myself and Nelnet. The late payments are being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXXXXXX XXXX XXXXXXXX up to XX/XX/XXXX, Multiple unauthorized transaction occurred on my capital one account, Card number of XXXX. 
All transactions on the account were not authorized and is requested to be removed immediately. 
Case number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed on my transunion report that there are multiple inquiries that were not authorized by me. Here are the inquiries.    1  :   XXXX   XXXX    on  XX/XX/XXXX  2 :   XXXX   XXXX   on  XX/XX/XXXX  3 :   XXXX   on  XX/XX/XXXX  4 :   XXXX   XXXX    XX/XX/XXXX 5 :   XXXX    on  XX/XX/XXXX  6 :  XXXX  on  XX/XX/XXXX  7 :   XXXX   on  XX/XX/XXXX  8 :  XXXX  on  XX/XX/XXXX  I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.

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 2021-03-05
Company: Experian Information Solutions 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:
There are two XXXX  XXXX XXXX card accounts listed on my account, the first with a {$1600.00} credit limit and a close date of XX/XX/XXXX, but a last payment date of XX/XX/XXXX and pays as agrees status through XX/XX/XXXX. These late payments are incorrect and should be removed, but they have not been. Is is apparent they are incorrect as the dates do not line up and there is no payment information for the times the account was actually open. The second account is listed as a charge off paid on XX/XX/XXXX and opened in XXXX, but with no pays as agreed information and no credit amounts listed, only two 30 days past, one 60 days, one 90, and then a charge off, in XX/XX/XXXX. This account was in good standing until it was closed, and that should reflect on my credit report.

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