BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX my stepson who was also one of our employees was found dead in one of our work furnished apartments. 
We helped him purchase a truck with down payment money in XXXX. 
After a few days of his passing we called Ally to let them know what happened and we were asked if we would assume the loan which we said yes. Payments were current. 
After a couple of weeks my wife called them again to set up auto draft which we didnt know they never did. We gave them our information and thought everything was resolved. 
We didnt balance our checking accounts as we dont live outside of our financial means. 
My wife would spend hours on hold, get run around from department to department only to get hung up on being transferred. 
We made 2 payments and after the two payments they continued to try and auto draft the payment when they were told he was deceased. We didnt know this because we were not getting the mail. 
We got a message from his aunt saying someone was looking for him ( deceased ) and his truck. The truck is in a secure location. 
Our attorney advised us not to pay it off at first and make the payments which we did. 
Since this is all he had and only XXXX XXXX XXXX there is no will, trust or estate. Our attorney calls Ally and they kept repeating we cant give you legal advice. He said I dont need that I need the payoff so we can send the payment. They wouldnt do that. 
They said we need to set up an estate. Attorney which we furnished his info said there is no reason to set up estate. 
We get the payoff after I sent them a check for XXXX which they cashed. They told our source that we owe them XXXX and I sent XXXX for dollars which they cashed. 
They still refuse to talk to us, our attorney and have XXXX dollars for the complete amount owed. 
So someone suggested we reach out to CFPB. 
Please help.

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 2019-07-22
Company: EQUIFAX, INC.
State: CT
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 wanted to obtain my free annual credit report from Equifax, which is supposed to be available online and via hard copy mailed to me. 

When completing information on the Equifax website, the website indicated Equifax could not provide my report online. I would have to mail various documents to them to prove my identity and get my report.The website screen is pasted below : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download Acrobat reader Return to Annual Credit Report '' This progress ruler appears at the top of the section where you request your Credit Report : Fill out Pick the reports Review your Get your next Repeat these steps a form you want reports online report or finish for each credit report ( Last Box in progress ruler ) Have questions? 
Contact us Contact us I am not sending a letter containing documents like my Social Security card and name/address info to Equifax that could be pilfered or lost in the mail. 

Equifax just settled the suit re hacking of its website that it failed to prevent. It is providing relief to customers or paying fines totalling $ XXXX XXXX. If it can do that, it can afford to produce reports for customers online. Not doing so is a shoddy way to do business for the critical service it provides to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
I am currently a victim of identity theft I filed FTC reports I've contacted consumer agencies for over 30 days I received response from consumer agencies stating they would keep inaccurate information on my 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 non-monetary relief
Consumer complaint received 2023-07-17
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 status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was issued a Bank of America XXXX prepaid card. I was unable to use the card within the first 6 months of issue due to COVID. The card expired. The company has kept the {$100.00} and closed the account even though by law I should have been given 5 years.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There were several federal laws XXXX, Transunion, and XXXX  violate. Violation of Privacy and inaccurate and unfair reporting. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting this information.

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; Which main the transaction should not be report or include on 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 2023-09-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Midland Funding is claiming that I owe a debt that I know nothing about. I have tried to get this handled on many different occasions. Please see the attached letter from the original creditor stating that they could not verify the account. Also attached is my initial complaint to the company naming Midland Funding and the account number listed on my credit report. I have already informed Midland when they would call me that I did not have a debt with this company. Midland along with the credit reporting agencies are in violation of many FCRA and FDCPA regulations along with negligence. At this time, I am only requesting the removal of the account MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX ) XXXX. I do know that I am entitled to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a copy of my promissory notes for both mortgages. I have a company that is trying to help me save my house. I have had some major life changes and with XXXX kids in the home Im trying everything possible to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX debt collector has said i owe a debt of {$1000.00} with interest to citibank credit card. i filed fraud charge of identity theft to XXXX card was trying to charge me for a fraud charges of amount of {$1000.00} back in XXXX and XXXX and XXXX. i reporetd this as fraud charged to me when i did not charge nothing for {$1000.00}. someone stole my identity and charged {$1000.00}. i want this {$1000.00} with ciitbank and XXXX XXXX removed immediately as they are destroying my credit when i have excellent credit before this happened. im not paying for someone else fraud identtiy theft items that XXXX XXXX charged me for. called them many times to dispute this fraud charge of {$1000.00} and selveral times said fraud dept would take care of it a manager in fraud dept but looks like they never got it credited back to the card so i still wont be ruining my credit. i want this fixed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report.

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.

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 2017-06-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
navient has yet to fix the credit dispute event though they said the hit would be fixed. calling multiple times the issue has yet to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
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:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-03-16
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been a victim of identity theft and someone who stolen my identity apply for a XXXX account for the amount of {$2100.00} that account is fraud I never apply for that cellular company, the action that was taken was go tot the police department and file a identity theft report and a federal trade commission report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Google Compare Credit Cards Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX this complaint is against GOOGLE.COM My name is XXXX XXXX. I am the only XXXX XXXX in the XXXX. Sometime ago I created a gmail account in my name ... XXXX and a business XXXX account ... XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX and my real phone number is ( XXXX ) XXXX. 


Unfortunately I had both of these accounts stolen ( hacked ) and a phony google voice telephone number ( XXXX ) XXXX opened in my name. 

Because the business email is the recovery email for my personal XXXX  account and because the confirmation phone number was changed in my personal account all my attempts to recover the account have been in vain. Recovery confirmations are sent to the recovery email, which is hacked ... or to the fake google phone number in my name using the hacked XXXX account. 

The results of this identity theft began with the theft of {$100000.00} XXXX XXXXXXXX XXXX and a {$15000.00} hack at XXXX in the year XXXX and has continued relentlessly until today. 

Nothing I can do will get Google to fix this, making then co-conspirators in these and may more thefts! Most recently a {$5400.00} theft at XXXX XXXX  XXXX and a hack of my XXXX account resulting in items purchased by a hacker and charged to my account and the resetting of my current email to the hacked ... XXXX. 

But all that is just the beginning... Unaware by me until very recently when i tried to open a new bank account ... since XXXX, some 30 new bank account openings have been recorded at XXXXXXXX XXXX in my name using the phony credentials. And XXXX XXXX has not been able to reverse many of these entries since the banks have not disavowed the account opening attempts. I do not know if these accounts were opened and my stolen identity was used for some money laundering acts or whatever. 

Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NATIONAL CREDIT SYSTEM Original creditor : XXXX  XXXX XXXX Balance details XXXX XXXX  paid off Balance {$8600.00} Balance updated XX/XX/2023 Original balance {$8600.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$8600.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FRCA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. I'm seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX  {$830.00} Opened XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: FIRST NATIONAL BANK OF OMAHA
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit report on my XXXX XXXX app and I saw in my XXXX Report that a credit card with First National Bank of Omaha was opened up on XX/XX/XXXX in my name. There is a balance of XXXX and the account has been sent to collections with XXXX XXXX XXXX. I did not open up any credit cards with this company so I believe I am the victim of identity theft. I submitted a Dispute to XXXX through the XXXX XXXX app on XX/XX/XXXX and XXXX responded on XX/XX/XXXX saying that the account was not opened fraudulently.

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 2021-02-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation