BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
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:
XXXX  / Transunion / XXXX / XXXX  I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.

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 2019-10-28
Company: Square Inc
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent Square police reports awhile back through email to a Square representatives who stated he would forward the information over to clear the balance owed. However it appears nothing had been resolved. My XXXX credit card was stolen and fraudulent used including unauthorized access to my square account after it was taken over by a criminal organization who tried to threaten me if I took any action against them. My information was then sold on the black market.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: SC
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:
I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and mutiple accounts that are labled as charge off with balances still owed and that is illegal to report that along with the fact I never recieved a 1099 for these items and some other accounts I was not late on and don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX falsely claimed that a {$5700.00} company debt is my personal debt in violation of the Fair Credit Reporting Act. This is an act of abuse that I just uncovered by ordering my credit report recently from Transunion Credit Agency. 

There is no evidence that I signed any documents stating that as an authorized signer of the business who took the debt, I was responsible to pay for the businesss debt. There is no such proof that XXXX XXXX can provide since such proof simply does not exist. Instead of pursuing collecting the debt against the business, as the former signor of the business, I was instead pursued. Additionally, XXXX XXXX must provide proof of debt assignment from the original business lender as it can not even pursue a claim against the business without the proper written debt assignment letter from XXXX XXXX XXXX to XXXX XXXX 

This act of abuse is illegal and must stop and a violation of New York State and Federal Fair Debt Collection 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 2020-07-13
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no recollection of this company nor how they received my personal information. This violated my consumer rights according to FICO. I have not received any documentation from this company and have nothing to furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to remove freeze temporarily and the automated system asked a series of questions that do not pertain to me or anything on my credit report. I have never owned a home, no car loans, no loans at all, and no student loans in 2017. They ( Equifax ) know when they rigged the system to do this type of thing that it's not valid or correct. The crooks can access your file an add even when there is extended fraud alerts but I can't do anything with my own credit because they feel like doing these types of things to people at the credit bureaus. The system asked me for things that I couldn't answer because I never had any mortgages or car loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Shellpoint Partners, LLC
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: Old information reappears or never goes away

Complaint:
Shellpoint Mortgage is reporting I owe XXXX and XXXX from XXXX which I had filed Chapter XXXX Bankruptcy and was discharged XX/XX/XXXX. My ex has never refinanced and removed my name and won't. It looks like I am in dedt XXXX and I only am my own debt XXXX. My credit score has gone down 54 points. This was 10 years ago and all of the sudden it pops back up on my credit report, being reported by Shellpoint. I worked very hard to rebuild my credit. I was these 2 off my report. I have called Shellpoint and email and sent bankruptcy papers and no response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ally said over the phone that it was paid off after the wreck in XX/XX/2019. XXXX XXXX totaled the car out due to the wreck., So i don't understand why I have a balance. 
i was current on all my payments at the time. The car was XXXX XXXX paid 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 explanation
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

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: 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED 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 2018-12-12
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:
According to my recent credit report request from Equifax, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to EQUIFAX, XXXX, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX  Account # XXXX Being Reported to EQUIFAX, XXXX, XXXX  CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to XXXX, XXXX  ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to EQUIFAX, and XXXX  ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To EQUIFAX, and XXXX ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX  XXXX XXXX/XXXX XXXX Being Reported To XXXX  ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To EQUIFAX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX  ( PLACED FOR COLLECTION )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Applied Business Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my Applied Credit Card account with XXXX balance on it and the next month, they ( XXXX XXXX ) sent {$16.00} to pay. I refused to pay them the money and then the next month, they added as they so called a late fee of {$35.00} even though the account was closed. I called them, but I did not really remember in which month, but it may be in XX/XX/XXXX.  I discussed the issues with one of their workers. She told me to pay the {$16.00} and the late fees of {$35.00}. I had to pay that amount. The next month, they sent me another late fee of {$35.00} even though the account had been closed. Again, I refused to pay the so called late fee because I did not use the card to purchase any goods. In XX/XX/XXXX, they called me to pay their money and I said no, but the lady convinced me to pay the money and I paid {$77.00} out XXXX. She told me that if I paid the {$77.00}, they will close my account. This was the reason that made me paid the {$77.00} so that they will close my account. The moment I paid the {$77.00}, they sent me balance of {$27.00}. From this point, they continue to add {$35.00} of every month. They are still billing me {$35.00} of every month. Presently, they have billed me a total of {$280.00}. I am really fed up with this people. This is the reason I decided to call consumer financial protection Bureau to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED 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 2020-05-28
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: Account status incorrect

Complaint:
Since XXXX I have had an issue with all ( 3 ) three reporting agencies not reporting information regarding the status of my accounts. some are showing closed when they are open and many that have been paid off are showing as been closed, with no information to show the loan had been paid in full. These things continue to keep my credit score low and accounts that I have had since XXXX I am not seeing on my report thereby shorting my credit history on purpose. I have asked via email and letter for these things to be corrected. However still to this date nothing has changed at all.

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: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are two parties involved : XXXX XXXX. XXXX  in XXXX XXXX and their debt collection agency, Capital Accounts LLC. 

XXXX XXXX. XXXX  in XXXX XXXX repeatedly charged me for misleading amounts without letting me know. They would quote me I need to pay a certain amount, assuring me the rest would be paid by insurance. The insurance company never paid as much as expected. XXXX XXXX. XXXX 1. systematically underestimated the amount covered by insurance to trick consumers into buying procedures and 2. hid the debt from the consumer until it was too late. It is visible that they misrepresented the true cost of the procedure from the billing sheet - I always paid the amount expected on the day of, and then they either collected less from the insurance company or increased the price retroactively. A one-time mistake would be plausible, but it happened almost every time. I received no notification of these debts until recently, 3 years later, when Capital Accounts LLC showed up on my credit report.

Capital Accounts LLC is misrepresenting the amount owed. Even XXXX XXXX XXXXal shows that the debt is {$1200.00}, but Capital Accounts LLC fraudulently lists it at over {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Aargon Agency, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is a medical collection reporting illegaly and inacurate on my consumer credit report, violating my privacy and HIPAA Law.

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 2019-11-17
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
XXXX XXXX- XXXX XXXX XXXX was repossessed. 
XXXX XXXX - XXXX XXXX XXXX was sold at auction. 
American Honda Financial failed to provide the following documentation to the consumer according to Ohio repossession laws : 1. Notice of Repossession 2. Written notice of loan default 3. Notice of Sale 4. Written notification to the purchaser of subsequent responsibility for any deficiency remaining after the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My complaint is transunion LLC they are reporting two accounts that are not mine I am a victim of identity theft I have proof. But yet they still countuine to report incorrect information on my credit file. 
The two XXXX XXXX accounts are # XXXX and # XXXX that are incorrect on my credit file these account are not mine. 
The resolution is to correct the issue.

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 2019-02-23
Company: Direct Recovery Services, LLC
State: TX
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 received a call from a friend in Hawaii who advised me that some named XXXX XXXX representing himself from Direct Recovery Services at XXXX left her a message on her voicemail regarding a so-called debt collection and named me as the debtor. On her voicemail, XXXX XXXX shared account information on the recording. My friend has sent me recording. 

Not knowing what this was about but calling Direct Recovery Services out of concern, I got a female representative who was very rude. I asked her if it's legal for them to leave account information on a 3rd parties voicemail and she said yes. She attempted to say additional things in which I did not hear and when I asked if she could repeat what she said because I had not heard the last part of what she was saying clearly, she asked I needed any additional help but never repeated what she said as I asked, then she had stated she had another call holding and she hung up the phone on me. 

I didn't appreciate how this entire situation has been handled and I'm still not clear on what this is even about. I don't even think I have a debt with this agency and I believe they are committing fraudulent acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation