BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** XXXX XXXX XXXXXXXX Reported XXXX XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately. 
_XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX XXXX XXXX XXXX Reported : XXXX XXXXXXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX  REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2018, Chase Auto ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: CITIBANK, N.A.
State: RI
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:
Old Citi credit card was used on XXXX mistakenly at the same time an active Citi credit card was being used. Citi made no attempt to collect the money owed on a card that had not been used in a few years until I started getting phone calls and letters that looked like fraud. When I contacted Citi they only told me my current card was paid as agreed and I didn't owe a thing. Recently they finally agreed to send me my statement so I could confirm the transaction, when I did they posted all interest and late fees from when I spent the money and refused to take {$100.00} in fees from a {$20.00} mistake purchase to settle the account. Recently they started reporting the account aggressively and only offered a call from their executive team within 15 business days. With no way to resolve until this department contacts me I am not sure why they are posting all of this negative information over a {$20.00} dispute.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am human. I did not consent or authorize accounts attached. I need this to be deleted as soon as possible.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. FTC has been notified and attached. 

Accounts : XXXX Account 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: First Direct Mediation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX, I received a debt collection call from : XXXX XXXX First Direct Mediation XXXX XXXX XXXX, XXXX, New York. 
XXXX XXXX He stated he was attempting to collect a debt obtained by XXXX XXXX via XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$700.00} plus interest and the total due is now {$1000.00} He insisted I settle the debt today over the phone that he could settle it for {$720.00} The problem is : XXXX XXXX XXXX  have never obtained a XXXX Loan in any amount. 
2 ) I did not request this XXXX loan- I feel that my identity might have been stolen. 
My drivers license was lost on a trip between New Jersey & New York. 
I reported the license lost and/or stolen when we returned home. I do have a case number. 
3 ) He did have my name, SS # ( although I did not confirm that info for him ). 
He gave me an email address that was associated with this loan : XXXX ( not my email address ) and stated that when they tried to Auto Draft $ $ for repayment from my XXXX account, the draft was returned due to insufficient funds. 
I have NEVER opened or had an account with this bank. 
3 ) Mr. XXXX XXXX verbally told me that if I did not get back with him before XXXX ( Eastern Time ) he would have to turn the information over to the court, I might as well pay the amount- a lawyer and having to appear in Court will cost more money. He also told me that a lien could be placed on my home & other property owned my me or my husband. 
Can you please advise me on how to proceed with this issue of stolen identity? 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: OneMain Finance Corporation
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit was ran without my consent or by someone pretending to be me. 
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 2023-07-07
Company: Self Financial Inc.
State: AZ
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:
I hope this message finds you well. I am reaching out regarding an issue with my Self Financial account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing.

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met.

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in the process of trying to refinance a loan with Citi Bank Mortgages since XX/XX/2020. This process has been terrible, I have provided all of the required documentation timely to my citi bank loan officer, but CITI bank is in adequately staffed to handle the business. So instead they miss lead their customers with false time line for closing, just to continuously extend them to another unachievable estimated closing date. I have had my closing date extend at least 6 times to date. My new estimated closing date is XX/XX/XXXX XXXX.. 6 plus months fro when this ordeal started, but I have ZERO faith in the timeline. I have reach out to the sales manager at citi, I filed a complaint at Citi, I have also tried to contact the head of the Citi mortgages sales business. They all have said the same story, " there is nothing we can do : '' This is unacceptable, considering there that my original time frame for closing was 90 days. This needs to stop as I am sure there are thousands of other CITI bank clients trying to refinance and being told the same story..

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 2023-06-16
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 non-monetary relief
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
bill is being paid every month,300.00 -- -400.00 a month, they stated not enough.threatened to garnish my wages, wants my employer phone number, has called my parents home saying they have a right to.my parents phone number and my mothers phone number are unlisted numbers, have asked them to stop.

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 2020-09-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I've disputed a collection account by XXXX several times and they keep saying it's accurate. I do not owe money to any collection agencies.

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 2023-06-15
Company: ProCollect, Inc.
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 was given a notice to wit 3 days to vacate not for non payment. XXXX XXXX ( XXXX  management ) sent me a move out statement I disagree with the amount XXXX  XXXX refused a payment plan. I have contacted ProCollect personally several times and an attorney reached out to ProCollect. XX/XX/2023 I began email communication with XXXX XXXX with ProCollect. XXXX XXXX would not accept a monthly payment plan and he noted my file contains : I refuse to pay the debt. XXXX  XXXX property XXXX  management corporate office stopped communicating with me and would not agree to a monthly payment plan or a payment settlement agreement. I am on fixed income and unable to work a job due to my o medical and behavioral health challenges. 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 2021-04-14
Company: WELLS FARGO & COMPANY
State: VA
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:
Wells Fargo Home mortgage is reporting to the credit bureaus that my home was starting a foreclosure in XXXX of XXXX. When in fact It was paid off XX/XX/XXXX. The closing date for the buyer was XX/XX/2021.

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 2018-10-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making over payments every month and my over payments are constantly being applied incorrectly and against my direct request when I spoke to the financial representative. With every over payment, my auto pay is reallocated in order to maximize interest payments across all of my loans and my over payment is repeatedly miscalculated in the company 's favor. This is the 3rd time that I have asked that my over payments are not counted towards future auto payments and should stand on their own. 

Finally, last month I made an over payment and realized when the money did not go out of my account that the payment never took place, even though I received a confirmation number for the payment. The company did not revise my loans to reflect their mistake and I lost all of those days in-between securing a 2nd payment. 

This is gone on far too long and somebody needs to address these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/2019 that is not mines listed on my credit report, I have filed an Identity theft report with the federal trade commission as well, the report number is XXXX. I have filed a previous complaint XXXX and nothing has not been done. Please remove

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 2023-03-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX. Took 4 times from my account to the total of {$800.00} 3 withdraws of {$190.00} each and 1 {$220.00}. Total {$800.00}. I called XXXX the insisted I ordered it. I did not ever.then called bank.said they would look into it.after about 5 weeks I finally called no info yet from bank called again in 2 weeks. Bank tells me XXXX says I I ordered service, so the decision is in their favor, I loose XXXX dollars. Then my account was closed of 17 years., they wanted the money back after the temporary return of funds. I advised I was not going to pay its

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX These donot belong to me! 

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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