BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: EQUIFAX, 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:
I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that were tied to ID theft. I waited 3 hours to speak with a supervisor and was told that these my remaining accounts would not be removed. In accordance with FCRA 605B these items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.

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 2017-06-20
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello CFPB, This is my second complaint against the credit reporting agency that keeps allowing collections to show on my credit report. The last two letters I 've sent the bureaus detailed what happened and included all of the necessary documents to handle the matter on their end. XXXX made multiple attempts to get this fraud case complete ad never with.

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 2018-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem getting your report or credit score

Complaint:
I have the XXXX XXXX and it need my capital one bank statement and it won't let it pop up. I need that information. For the app to see so i can get my loan For rent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Hewitt-Capital
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I do not know who this is or what debt this is. Today they called my mother, who I have not lived with or near in 31 years. There message stated that he was XXXX XXXX with XXXX, XXXX. Claimed he left a message with the superintendent of the city XXXX  ( I'm a XXXX ). Claimed he had sent a registered letter, but it came back. I never received anything. I do not know who this is or what debt it is supposed to be. 
He left personal information with my mother and possibly my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchants Credit Guide Co., a collections agency, sent me two bills, allegedly on behalf of XXXX XXXX XXXX, XXXX, even though I already paid off my balance with the alleged creditor. In fact I double-checked that I have a XXXX  balance with XXXX today, XX/XX/18. 
- The first bill, in the amount of {$520.00} I believe, was sent around late XXXX. Some time after I paid off my balance directly on the alleged creditor 's website. 
Right after that I sent Merchants Credit Guide Co. a letter notifying them that I was not accepting their " services '' as a collection agency. A return receipt shows they acknowledged receipt of my letter somewhere in XXXX. 
- Recently I received another bill, for {$38.00} this time. This morning, after I double-checked with XXXX XXXX XXXX, XXXX. and confirming that I owe them $ XXXX, I called Merchants XXXX XXXX XXXX , to let them know I owe nothing to them but the agent said came up with a {$520.00} amount again. I asked him something like : " Do you know more about the creditor 's finances than they do? '' and he said he did. 
Then I asked him to explain me why should I say money to the agency if I owe nothing to the alleged creditor and he said something like Ok, sir, have a good day and hanged up. 
I am extremely concerned Merchants Credit Guide Co. are systematically attempting to get consumers to send them money they do not owe. 
From late XXXX to date they call my cellphone number everyday, sometimes twice a day. I never answer unknown numbers but I know it's them ; I XXXX   those numbers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: WELLS FARGO & COMPANY
State: NY
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:
Dear CFPB : Please help. 
The following has occurred with Wells Fargo bank Checking account ( 1 ) The bank has unilaterally and arbitrarily assigned limitations of fund transfers including wire transfer within the United States of America and to other Wells Fargo accounts ( 2 ) The bank refuses to resolve and or lift restrictions ( 3 ) The bank imposes unreasonable requests : a. Going to ATM b. Locking out online c. Demanding to go to branches d. Foreign non-native English speakers in non-US-jurisdiction countries to handle account data and management ( incremental risk created by the bank ) e. The bank outsources data operations to unverified third parties like XXXX ( unregulated data, lacks privacy, bad data, and mostly bias ) We have been trying to send funds to a University for a XXXX degree. The bank has delayed, prevented, disrupted, and or/demanded unreasonable requests. Moreover, failed to disclose why and any legal grounds does the bank to withhold and/or prevent transfers to another bank of over {$5000.00}. 
There no law in the US that demands a BANK impose its own jurisdiction over deposited cash funds for self-interest. The account holder has not verbally or in writing agreed to impose this financial restriction on the account. 
Wells Fargo has a rogue history of discrimination against minorities and imposing artificial barriers to transfer funds including assigning risk onto accounts based on XXXX demographics. This violates the American and international law, norms, and values, notwithstanding unethical and illegal banking practices. 
The cost of travels to a branch and time, with the risk of penalties for failing to make timely tuition payments, is unacceptable, thus the cost must be passed on to the bank. 
In regards to human toll and the experience : my mother is in a wheelchair, she needs me to be at home and with her. I can not make extra travels to the bank just so they can prevent me from transferring my own money. My opinion is that American banks operate much a criminal cartel syndicate than reasonable economic stakeholders and partners to the American people. I am also being extorted amounts of {$30.00} for wire transfer, notwithstanding emotional stress as the cost for gas and time of travel. My mistake? depositing my funds with Wells Fargo. This mimics XXXX era financing and banking practices. Anyone with a Ph.D. degree on XXXX finance and banking laws and its restrictions on undesirables will be able to draw inferences and similarities to the banking cartel operating inside the US. 

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 2020-07-01
Company: LEXISNEXIS
State: AL
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:
ATTN : FACT Act Dispute Request, XXXX. XXXX  XXXX, XXXX, GA, XXXX To whom it may concern I have recently received a copy of my Lexis Nexis report and I see that you may be the nexus of all the incorrect information reporting to the credit bureaus. I will go section by section of the incorrect reporting so it will be easy for you to correct and delete this. 

In the address section of this report, you have a USPS date last certified XX/XX/2020 : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX HOW CAN I HAVE 5 DIFFERENT ADDRESSES AT ONE TIME?? 

My only address other college has only been XXXX XXXX XXXX XXXX XXXX, AL XXXX. I have proof of this with my drivers license and my bank statement I keep providing to you. If you would simply do your own investigation and reach out to these addresses you will know I have never lived at these other places. 

In Section 1 you have multiple instances of the name MR XXXX XXXX XXXX. My name has never been XXXX. This incorrect name is also only attached to incorrect addresses, not my actual address. The fact you have an incorrect name lets me know you have done no research or due diligence into the protection and accuracy of my data. 

In section 3, in the Educational Records, you have me attending XXXX  XXXX University. The reported age is XXXX! Im XXXX now and I am attending XXXX XXXX University! I have proof in the form of a transcript. Where are you getting this information from??? Are you suggesting I live at 5 different places AND attend multiple schools at the same time? You dont even report my actual school! 

You can not keep saying youre verifying information when all you are doing is typing my name into a database and it is spitting out the same incorrect information. Call these people, call the courts, call the owners of these homes, and verify it that way. Ask for my signatures and ACTUAL proof. Otherwise, you are just wasting my time and deteriorating my quality of life because of your incorrect data. If you do not correct this, I will be seeking damages in court. 

Resolution Remove all incorrect names, addresses, schools, and public records attached to these incorrect names and addresses. 

Proof of Incorrect Information ( Attached ) Proof of Address ( XXXX XXXX XXXX XXXX XXXX, Al XXXX ) Drivers License, Bank Statement, Transcript Proof of Identity Theft Police Report Proof of School Transcript

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Portfolio Recovery Associates which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in  violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, 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:
I've been mailing letters to the credit bureau for the last 8 months about these student loans on my report. I have never attended a college with student loans. I have been incarcerated for some time. I am now trying to get my life back together by getting my credit up to standard, but I can't because these fraudulent student loans is on my report. 
It has been taken off XXXX, and XXXX, but some reason Equifax is staying. I need to know what to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
On XX/XX/2020 I received information from Experian that an investigation was done on my behalf to prove that this account was mine. I still havent received any information as to the accounts listed in my Initial disputes. For instance, they are four XXXX XXXX Accounts that are questionable. I have yet to received any written documents stating these account are mine with my signature. They keep stating that they verified these accounts but I have yet to receive anything that states these account belongs to me. This is the second request for these items. Per FCRA 601. ( A ) by Federal Law Im supposed to received written documentation stating with my signature showing these accounts are mine. Without that, these accounts are to be removed from my credit files immediately.

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 2018-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2018 CAPITAL ONE PHONE PYMT XXXX XXXX   This is showing you what it looks like in my checking account which only is Social Security XXXX XXXX. Capital One took money without permission and I thought my funds were exempt. Now I am overdrawn, my account is frozen and I can not pay my bills or get groceries to eat.

They are from HQ Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX   Please help me. I am I destress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has responded stating this account does not belong to them, I have attempted to fix this situation several times, I am not requesting removal of this incorrect account from my credit file today.

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 2018-10-23
Company: Experian Information Solutions Inc.
State: WA
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:
In the last 60 days I've been garnished by this XXXX XXXX of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX every single month to the balance since the date of voluntary repossession of XXXX17. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX  for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? XXXX XXXX are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.

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 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 is incorrect

Complaint:
Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In the last 60 days I've been garnished by this credit concepts of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX  every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX  children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX  for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.

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 2017-06-20
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: Account information incorrect

Complaint:
My automobile I had as a reported repo is more than 7 years old. I tried to receive paperwork confirmation on my original purchase, the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX Every time I had contacted them they could not find my paperwork? Experian has acknowledge this account was verified and verification was provided. I will yield to the amount of the balance, I had argued this before, but gave up. However, I knew this was to drop off of my credit report at the end of XXXX - Now I am complaining about my credit rights. They can not provide me the paper work when this car was purchased or repossessed, now I am arguing they are avoiding my right of the credit statute of limitations. Maybe they can provide you with the information I have requested. Both Experian and XXXX XXXX XXXX XXXX is ignoring proper investigation, and the other no validation of my purchase signature page or repossession paper work with date and driver on duty to verify exact date - For this reason alone, the account should be removed in its entirety as of XXXX XXXX The information was taken from my Experian Credit Report- I have no further information about XXXX XXXX XXXX XXXX XXXX Maybe you will have better luck - I am trying to stimulate the economy but my low score of this matter keeps me from purchasing large items due greater finance charges. I may take legal action of XXXX XXXX if my new home and its interest rate will vary because of this issue. Maybe XXXX XXXX can pay the difference, since they are ignoring my requests. 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