BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a XX/XX/XXXXXXXX XXXX  account # XXXX which was finance with XXXX XXXX XXXX XXXX XX/XX/XXXX. later in XX/XX/XXXX I signed over the title and took a settlement offer to payoff the loan in full to XXXX XXXX XXXX this loan had been paid off but XXXX is still reporting this loan as if its late and I still owe money I was told by XXXX   confirmation # XXXX. I owe this company no money and I received my title I later signed the title over to XXXX XXXX I had no interest in the loan nor the vehicle after I signed it over I received the title and paid this loan off in full and the XXXX XXXX   company was reporting as if I wasn't making my payments or if I was behind on payments I took a settlement offer. This needs a removal of the account off my credit report with XXXX  this information is outdated and incorrect and needs immediately attention of removal this Loan needs to be deleted off my credit report. I have mailed supporting documents to XXXX to support my request XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, 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:
Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XX/XX/2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my Equifax and XXXX XXXX reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: Nationwide Debt Reduction Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Debt Reduction Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, uses deceptive business practices. They sent me a vague, threatening letter about how I owe them money. According to my annual financial report, I have XXXX outstanding debt. This letter is a scam to get me to call them. This company is not even accredited with the XXXX XXXX XXXX   and there are many complaints about them and I'm sure those complaints don't even scratch the surface. I do not ever want them to contact me again. Nationwide Debt Reduction Services, you just wasted my entire morning and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: FMA Alliance, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a notice from XXXX XXXX that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from XXXX XXXX alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with XXXX XXXX, past due or otherwise. He then connected me on his internal phone with the XXXX XXXX Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice dated XX/XX/XXXX, from FMA Alliance , Ltd. alleging a further increased amount due on the same account that XXXX XXXX has already verified is not mine or my wife 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was used multiple times for unauthorized transactions, the dates and amounts are : XX/XX/XXXX for {$1000.00}, {$1000.00} ; and XX/XX/XXXX for {$1700.00}. A total of {$3700.00}. BOA sent an email letting me know there was suspicious activity on my card. When I called to find out what was happening, I was placed on an extremely long hold, then I was informed that my card was blocked and that they would be sending me a new card ASAP. However, I was never informed of what took place for the block to happen. After getting off the phone with BOA, I realized what had happened in regards to the suspicious activity. I had to wait a few days for the charges to post in order for me to report the transactions as fraud. Moreover, I was asked a series questions about how my card was accessed to which I responded my wallet was lost. I was told my case would be investigated within 45 calendar days, and that I would receive a provisional credit within 10 business days. The case took an unexpected turn when I learned by claim was ultimately denied. I called to find out why, only to be told they didn't have " sufficient '' evidence that the claim was valid. I was very disappointed with their unjustified reasoning, therefore I decided to have it reinvestigated. It was denied shorty after that again. BOA failed to honor my claim, which is a very unfortunate and disheartening.

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 2018-11-06
Company: CL Holdings LLC
State: UT
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 and XXXX XXXX are both currently reporting the same debt collection on my credit file. They are DOUBLE reporting and this is in clear VIOLATION of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.

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 2019-06-28
Company: Kimball, Tirey & St. John LLP
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: Account status incorrect

Complaint:
from the begin of XX/XX/XXXX we contacted Kimballtirey- a collection agency posing a lawyers- after noticing that they had posted inaccurate information that continues to affect our credit score. 

we were very firm and advised them to fix it. we forwarded some paperwork to their company (   kimballtirey ) to substantiate that their collection was in error. 

This problem stems from a previous apartment rental by XXXX XXXX XXXX . My family also got in touch with XXXX management and XXXX. The management company did their own investigation and advised Kimballtirey to remove the erroneous information. XXXX management in conjunction with XXXX management contacted me right away to let me know about their instructions to Kimballtirey. 

This Kimballtirey collection agency is not forthright with their conversations over the phone. they also refused to send me a letter stating that they had corrected the mistaken entry that keeps affecting my credit score until now as it is being reported as a late payment on a monthly basis. 

Please see attached paperwork. I currently do not live in XXXX apartments. Kimballtirey removed the original debt collection from the credit report but are fanning ignorance to the erroneous reporting of monthly payments due when i do not owe them any money. And they are also saying that they are not the ones reporting it as late every month bit on the other hand the credit companies- XXXX, XXXX , and XXXX -says and shows Kimballtirey as the company reporting this error. 

Consumerfinace.gov has my full permission- to contact/ call XXXX management to inquire about my standing as they clearly state that I do not owe any money to XXXX apartments. Please see below XXXX XXXX operations support coordinator XXXX apartment communities XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Direct/fax My name is XXXX XXXX I used to rent XXXX apartment from XX/XX/XXXX to XX/XX/XXXX XXXX - cell XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: ID Analytics, Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error ao my credit profile that is really causing mea lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me.My legal and full name is XXXX XXXX XXXX please DELETE any other variation of myname ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I amemployed at XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrityof my profile. Please delete the following fraudulent addresse : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, 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:
XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: SD
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 XXXX my FICO score went down 17 points because of ONE INQUIRY. 
Must have a glitch happening, I have new credit, no way I lost 17 points for ONE INQUIRY!

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 2020-04-27
Company: EQUIFAX, INC.
State: NC
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: Didn't receive services that were advertised

Complaint:
Equifax Data Breach XXXX  I filed my claim for free credit monitoring in XXXXXX/XX/XXXX. 
I received no email or contact verifying this but read that many people also did not receive information back and that the company would send out a code after the court settlement was finalized which turned out to beXX/XX/XXXX ... the day after the final date to file a claim. I have been a customer of Equifax paying {$19.00} a month since well before the breach. I filed a claim for free credit monitoring since I felt whoever took the information would be using it at a later date. It is now well after the date to file and conveniently the settlement did not start until you received your response AFTER the claim date so if there was a problem with your claim there is nothing you can do about it. They are saying they can not find my claim now ... and sorry- too late to do anything about it. I feel more like a victim now than after the breach!! I I feel that their waiting until after the final claim date to notify you was just a sly way of cheating breach victims out of their recourse. Please help with this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received 3 letters from XXXX Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( XXXX, XXXX, & Experian ) with the above derogatory account information on it that was given to me from XXXX. 

I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX and XXXX now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, XXXX and Experian each received a letter from me disputing this account and asking for validation.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020

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 2020-11-08
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This car loan belongs to a person sharing the same residence as me. I have a court order stating that I am not responsible for this account, This derogatory information has been placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: TICE ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had active XXXX for most of my adult life ... not sure why I would receive a bill when all did was go into ER for an hour XXXX # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
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:
DEAR SIRS, THESE ACCOUNTS HAVE YET TO BE VALIDATED AFTER REACHING OUT TO THESE COMPANIES OVER THREE TIMES REQUESTING VALIDATION. PLEASE ASSIST ME IN SOLVING THIS MATTER.

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 2018-11-25
Company: Account Discovery Systems, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Company has repeatedly called my employer, and has given my employer detailed information about this collection. I have called multiple times and told them to cease. They are also calling my parents, and again giving out information about this collection. They call 3-4 times daily. 

This company has also called and pretended to be the credit union the auto loan was originally financed with.

Company response to consumer: Closed with explanation