BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sequim Asset Solutions just started reporting a {$920.00} collection on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute. I have since called this collection agency and requested a verification of debt, but they refuse to supply it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-01-06
Company: CITIBANK, N.A.
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:
On XX/XX/2022 CITIBANK NAXXXX, XXXX XXXX XXXX ran a hard inquiry into my credit without my permission/approval. And on XX/XX/2022 XXXX XXXX XXXX  XXXX Ran a hard inquiry into my credit without my permission/approval. This was in fact run because some fraudster tried to obtain something from those banks. I contacted both banks and I was transferred over to several people and no one was able to help me or tell me what happened. The hard inquiry is now on my credit history without my permission. And it is in fact complete fraud and I wish for it to be removed from my credit history. I called XXXX and they could not remove it as they said it needs to be removed by the two companies.

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 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have called Bank of America many times to try to get a card for my unemployment benefits multiple times. They tell me they can not help me and that I have to call the third party who is in charge of the cards. When I call this number, the recording just hangs up on me after stating no one is available to help me. There are no websites or any other available way to get in touch

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 2020-04-24
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX from LEXIS NEXIS. Please forward me a copy of my XXXX XXXX and XXXX XXXX reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates, LLC have continuously violated my rights as a federally protected consumer. They have yet to validate that the account is mine. They are in violation of FDCPA 15 usc 1692j, FDCPA 15 usc 1692g, FDCPA 15 usc 1692f, FDCPA 15 usc 1692e, FDCPA 15 usc 1692d and probably many more if I do more research. In XXXX of XXXX they zeroed out the account and closed it but have been and still are reporting to XXXX XXXX XXXX XXXX  the it is still {$330.00} owed to the account. I also received the same letter in XXXX of XXXX. But the continue to violated my rights and ruin my reputation with an account that is reporting incorrectly nor have I received its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2020-04-01
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe that this company is in violation of federal consumer laws by assigning a unverified debt that I have no knowledge of I have due to the inaccuracies it has lowered my credit score and Is deformation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being deceased. XXXX had many security breaches and this bureau was assessed along with Transunion. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you

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 2023-05-16
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 10th 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, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-22
Company: Monterey Financial Services LLC
State: TN
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:
The credit bureau is only updating the information and instead of properly investigating, The account is in litigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: Sterling Infosystems Inc.
State: CA
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: Public record information inaccurate

Complaint:
I just recieved my background check tonight XX/XX/XXXX I simply was applying for a job at XXXX XXXX and just recieved that I'm a XXXX XXXX which is absolutely wrong. Which I wan na dispute and get rid of from my record. I feel that possibly someone is using my social or other information.

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 2020-07-17
Company: Experian Information Solutions Inc.
State: GA
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2020-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX PORTFOLIO RECOV ASSOC {$1400.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: TN
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 AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: GOLDMAN SACHS BANK USA
State: TN
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:
Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : XXXX XXXX, and Goldman Sachs And Co. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my XXXX credit report. I have tried contacting them, and they said they would research this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021. I certified mailed my dispute to remove three collections account that are not mine. I requested debt verification as these three collections are not mine. I have attempted on 2 occasions to contact Experian get these debts verified and had no luck.To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.

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 2020-07-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was at XXXX XXXX XXXX XXXX and the address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I was in there for 2 months between XX/XX/XXXX in till XX/XX/XXXX for XXXX  XXXX. All my stuff got lost at hospital so I had to have a new debit card sent to me and I bank with XXXX  XXXX Account by XXXX. I opened this account in XXXX at Ace Cash Checking ( XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ). So the day I was discharged from hospital I called from the hospital to activate my new card and they red flagged me because I didn't call from my cell phone that was associated with my account because my cell phone was broke. So I had nothing on me and had to get my mother in law to buy me a train ticket and friend to buy me a new phone. Even when I called from my number associated they blocked my account. I answered all security questions correctly and they still wouldn't unblock my account. The train ticket was so I could get home to XXXX NC. I arrived home on XX/XX/XXXX and went to Ace Cash Checking to withdraw my money on XX/XX/XXXX. I was told they couldn't because of the block and I decided to close that account and open a new one and the manager XXXX at Ace told me to just close my account and they would send me a check. However I was told they could only send me a check through the mail even though I have a verified new account with them. Then after 3 weeks of waiting for my check I was informed they needed my birth certificate, social security card, and State ID. So I ordered a new birth certificate and all DMVS in NC are by appointment only. But I already had a photocopy of previous ID and social security card. So once I got my birth certificate on XX/XX/XXXX I sent them an email with these XXXX things and they said they need an ID that is active but I have everything else and even a new account with them but they refuse to release my money which is in the amount of {$2600.00}. So I am asking for help in getting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander consumer usa acct # XXXX Auto Loan XX/XX/2013 Amount : XXXX Original Balance XXXX Terms : XXXX months Responsibility : Joint account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Kriya Capital, LLC
State: NY
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:
On XXXX XXXX, 2020, CREDENCE RESOURCE MANAGEMENT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGEMENT has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by hurricane Matthew, Irma, and Michael. While with the previous servicer XXXX during hurricane Irma I was  placed on a disaster forbearance and protection. After the disaster I was in review for a loan modification and I was service transferred to Rushmore loans. On XXXX XXXX I submitted a loan modification application to Rushmore loans.  We were then affected by Hurricane Michael and FEMA declared on XX/XX/2018. This disrupted my request for mortgage assistance. On XX/XX/2018 I sent a new application and at that time there was no foreclosure sale date. During the hurricane recovery I was dealing with health issues as I am a XXXX XXXX XXXX XXXXXXXX XXXX veteran who did 2 XXXX in XXXX and sustained XXXX XXXX XXXX. 

By the time I was able to call back on XX/XX/18 Rushmore loans told me they were not going to review me due to the foreclosure sale date being set for XX/XX/18. 

I disagree for two reasons : First I should be on a hurricane relief status and have foreclosure protection for 90 days from the date of the disaster. Second there should be an exception for them to review what I sent since I was affected by the hurricane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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:
Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXX XXXX  GA XXXX '' XXXX XXXX " late payment XX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XX/XX/XXXXopen account of $ XXXX  " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX  " XXXX XXXX  and Experian have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, 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 2022-12-07
Company: EQUIFAX, INC.
State: MI
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:
there are multiple items that are on my credit report that are inaccurate. These accounts were never opened by me and I can verify that these companies do not have any valid documents stating that these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Someone used my name, ssn, dob, email, to open an affirm.com loan for many XXXX purchases. I received an alert via email. I immediately contacted Affirm and advised them that I am a victim of fraud and to close the account immediately. Affirm customer service phone system routes to XXXX so no one cares to deactivate the account. Affirm is owned by XXXX XXXXXXXX XXXX and all of my requests to both companies have gone unanswered and the fraudulent account is still open and being used as I am continuing to see new email updates of additional purchases.

Company response to consumer: Closed with explanation