BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion has listed negative account on my credit history and that account doesn't belong to me. That inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete these accounts immediately. 

Here are the erroneous account Transunion has listed : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account doesn't belong to me.

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 2020-07-24
Company: Experian Information Solutions Inc.
State: MD
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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.

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 2020-05-28
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:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF 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
Consumer complaint received 2020-05-27
Company: SYNCHRONY FINANCIAL
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:
I have an inquiry from PayPal credit services but I never applied for PayPal credit ... I have a PayPal account but never applied for their credit card. I have reached out to them on at least 2 occasions and sent a letter to XXXX  because XXXX does not allow you to dispute inquires online. They say they are investigating but this occurred on XX/XX/XXXX and I called to complain only days after. They did not give me case number the first time I called but they did the second time : 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 2023-07-17
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is not my dept

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 2023-04-10
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:
Several loans were taken out under my name in XXXX, XXXX, and XXXX of 2022. I am not aware of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX  Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2022-08-06
Company: ERC
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:
On XX/XX/2018 XXXX Enhanced Recovery Co L , Reported a balance of {$910.00} for a fraudulent account that was opened with my information. I have exhausted all resources with getting the creditor to remove this fraudulent account as it is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was acquired by Wells Fargo about two years ago. I do not escrow taxes nor insurance. Ever since Wells took over my mortgage, they have harassed me incessantly about homeowners insurance coverage. Wells makes up dates of insurance lapse, which are simply inaccurate. This harassment occurred throughout XXXX, XXXX, and now continues into XXXX. 

Wells charges me for an insurance policy they procure ; twice now I have paid their insurance add on premium, the most recent being XX/XX/XXXX. 

To be sure, my insurance agent has faxed to Wells, on at least 20 occasions, proof of coverage, and no lapse. I receive letters from Wells stating that my insurance is found to be intact with no lapse, yet Wells continues their pattern of harassment and fraud. 

I myself have faxed Wells several times over the last two years proof of uninterrupted insurance coverage, have been on several hours of phone calls, some admitting no lapse, yet the harassment and fraud continues. 

On XX/XX/XXXX I went to my Wells branch. The private banker called mortgage services and insurance dept to help me straighten it all out once and for all. He advised me that all was intact with my insurance and to make my mortgage payment without their insurance premium add on. However, that day when I made my mortgage payment, I was not allowed to exclude the added insurance premium, and so I paid the entire amount to keep my mortgage payment current. 

In my history of doing this with Wells, it takes two to three months to get back a refund of their fraudulently collected insurance add ons. 

I will no longer sit silently as Wells defrauds customers, such as me, falsely claiming insurance lapses, despite the fact that they receive proof of uninterrupted coverage in tens and tens of occasions. 

This is clear harassment and fraud. I want it to end and there should be consequences for Wells Fargo insidious practices.

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 2018-10-15
Company: I.C. System, 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:
Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX C/O IC System Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. XXXX XXXX did not remove debt but in turn sent me a letter stating the debt was valid. The letter XXXX XXXX mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. Equifax requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to me.

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 2019-02-26
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We first off had told the company that they sold us a broken car and they weren't willing to fix it. We couldn't afford the payments any longer so when they came to pick up the care they threatened to Garnish my husbands wages. After they picked up the car I never heard anything else from them. I never got another call, nor received anything in the mail about what we still owed. I contacted them to ask about this and was advised of what was owed, I asked them to send me something in writing and never received anything. All of a sudden I get served a civil summons for the debt owed and on the paperwork it says I refused to pay anything and they attempted to settle the debt with me and so forth and none of that ever happened. I only knew about the debt from when I went to try and apply for a new loan and was told I had a repo and owed a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 find my complaint against XXXX XXXX. I have never opened an account with XXXX XXXX and despite their response to the CFPB, although I have contacted them, they have never provided information to XXXX  required under Section 609, 611 FCRA. XXXX XXXX is required to provide the nature of their investigation into my complaint or dispute, XXXX XXXX has failed to do so. To simply refer me to customer service does not comply with Section 609, 611 FCRA. Whether or not the identity process passed their test is irrelevant because XXXX XXXX is required to provide specific proof of the time and date of the person who opened the account with them, my authorization to pull my credit report and any and all contracts or agreements bearing my signature and my authority to enter into the contract. 

Please be clear, as of this complaint, XXXX XXXX has failed to comply with Section 609, 611 FCRA or provide ANY documentation to support the alleged debt and derogatory report XXXX XXXX is supplying to XXXX, XXXX and Transunion with regard to XXXX XXXX XXXX XXXX XXXX, I did not OPEN an account with XXXX XXXX and they are required to prove I opened an account with them or they just remove the report. XXXX XXXX has failed to comply with Section 609, 611 FCRA and I file this complaint in reference to these statutes. I am also attaching copies of the statutes.

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 2019-10-16
Company: Navient Solutions, LLC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have one student loan account it is in good standing I talk to Navient On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: AMERICAN HONDA FINANCE CORP
State: MA
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 reason for my writing is that Honda financial services are being unreasonable. I had XXXX on XXXX XX/XX/2018. This XXXX incapacitated me for a whole month while recovering back to my normal state. As a result, I fell behind on that month, monthly payment. I took the liberty to write to Honda on XXXX XXXX explaining to them what had happened, in regards to this medical condition. They requested that I send them proof of my Hospitalization which I did attach the medical certificate as proof of the sickness and my bank statements which showed I had enough money on my accounts to make the payment were it not for the medical condition. But to my surprise, Honda financial services refused to delete the late payment history of the time I was down due to the medical condition which was 100 % not my intention to be late. I have always had a good reputation with this company. I have Attached the letter I sent to Honda financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, Regions Bank sent me a check for {$100.00} which was not due to me. Since I knew the check was not due me I did not cash it. Recently, in XX/XX/XXXX, I received a collection letter from Regions Bank stating that I had an outstanding balance of {$100.00}. I then called the phone number provided on the letter and explained the situation to the representative show stated the situation would be resolved. I then received another correspondence stating I still owed the {$100.00}. I called Regions again and spoke to 4 different people attempting to resolve the issue. I finally talked to a representative named XXXX XXXX who suggested I cash the XX/XX/XXXX check and then mail the {$100.00} back to Regions. Even though I did not like this idea, I was willing to try it as I was getting no where with the Regions representatives. My bank did not accept the check because it is stale dated. Since then I have emailed XXXX XXXX 3 times on XX/XX/XXXX, XXXX, and again on XXXX. He has not responded to me or acknowledged my emails to him. As such, I have informed him that I would be filing this complaint.

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 2020-06-03
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Client Services INC. A company that sent me a letter in the mail saying that I owe them debt in the amount of {$1200.00}. I do not know this company nor do i have a contract with this company about said debt. I sent them a letter asking for validation and they did not send me validation. Nor are they licensed in my State to collect said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: ALLIANT CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We bought a RV in XX/XX/XXXX and financed it through Alliant Credit Union The amount borrowed was {$44000.00}. 
My husband became very ill with XXXX and we had trouble making the payments on the RV They served us with papers demanding the full amount of the balance I had to get an attorney to help me while my husband was very ill and after he died. 
After my husband died, I sold the RV and wired Alliant Credit {$29000.00} toward the balance owed. 
They calculated a balance due of {$25000.00} owing through my attorney even though the actual balance owed was {$14000.00} plus their attorney fees. 
I also had to pay my attorney as well. 
They demanded that I pay {$450.00} per month until the balance was paid off. 
I paid the best I could on the balance as I am a widow who lost her husband 's income Alliant 's attorney obtained a Stipulated Judgement against me for the balance due and I could not afford to pay the {$450.00}. I made an agreement to pay {$150.00} per month until the balance is paid which I am paying. The balance is about {$3800.00} now They are reporting the account to the credit bureau as a balance sheet charge off which it is not as they are still receiving payments on the account/ They are reporting the account as being closed which it is not as it is still an open account. This is also damaging to my credit report. 
They are reporting the monthly amount being paid as {$450.00} which is not. This is damaging to my credit report as it increases my monthly obligations. 
Their inaccurate reporting to the credit bureau is hurting my credit when I am trying to reestablish my credit They opened the account in XX/XX/XXXX and then in order to damage my credit they reported the last payment of {$1700.00} was received in XX/XX/XXXX so they can keep reporting my account. 
I feel they have purposely submitted information to the credit bureau to damage my credit standing. 
If they have a stipulated judgement against me and I don't pay it, they can get a judgment against me. They don't need to keep reporting erroneous facts to the credit bureau. They are using the XX/XX/XXXX date in order to purposely keep reporting my account to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: OH
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 am complaining against Experian credit bureaus regarding the alleged account with XXXX & XXXX. This bureau and XXXX XXXX have repeatedly ignored my request for debt validation and proof of this alleged debt with XXXX & XXXX. 

I sent both parties a request to complete the about investigation and show how the account was validate if it come back verified on the following : XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX Now of these letters have been address, but my reports show this account charged off with a balance which is illegal. The account is filled with error, inaccurate, incomplete and unverified 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 2021-04-09
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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CITIBANK, N.A.
State: FL
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:
On or about XX/XX/XXXX I received a copy of my XXXX XXXX credit report. I immediately noticed an account CitiBank/XX/XX/XXXX. This is not my account. I filed a dispute online with XXXX XXXX. They replied and told me the company said the account was mine. I then wrote XXXX XXXX a letter dated XX/XX/XXXX. I pointed out the account was opened on XX/XX/XXXX. I was starting my freshman year in college in XXXX, Tennessee on that date. I did not have a credit card at that time. I also pointed out the account is being paid each month and I was not paying it. I suggested they look to determine where the monthly statement was being mailed, where the monthly payment was coming from and that in turn would tell them who the account belonged to. It is not me. I received a written response on XX/XX/XXXX stating an investigation was done and concluded the account was mine. I then called the XXXX number for XXXX XXXX twice. Both times I talked to an individual who had difficulty with the English language. After walking them through the issue their only solution was to again file a dispute on line with them which I did.

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