BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: Seattle Service Bureau, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX with National Service Bureau has Reached out to me 3 times. 

On his first call XX/XX/2019 : XXXX He claimed I owed a debt I do not owe. While I am aware that the the original debtor felt I still did, I have emails to show I do not. Before letting me get that far he threatened that if I do not work with him to pay him now he would contact my employer. I said you are not allowed to do that and if you do call I will answer and report it. He then claimed that he would find the company owner 's cell phone number and call him anyway. He ended the call rather abruptly as he seems to like to do. 

I explained these events to my partner who attempted to contact him about this and warn that he would be reported if this continues. He was told no further communication would be accepted by phone. Despite giving permission on the phone for her to talk he hung up. ( Seems he doesn't like to talk on the phone if he can't bully people into sending him money right away ) Again he called XX/XX/2019 : XXXX He claimed again that I would pay him, told me that he sent me a letter that I never received and I stopped him before letting his aggressive tactics progress. I told him I was not to be contacted by phone. I verified my address with him and told him to submit anything further in writing. I also told him I would be reporting him for his actions. 

He claimed he is safe because all calls are recorded and that ensures he cant be reported. Upon looking him and this company up there are many reviews that site his name directly and the absolutely vile way he goes about business. If he communicated properly, wasn't aggressive and allowed this debt to be disputed accurately he would have realized this isn't a debt I owe but instead he has tried to bully me into sending him money for fear of losing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to add the Durable POA to my XXXX XXXX XXXX Grandmother 's bank accounts at Wells Fargo since XX/XX/XXXX to help her access her accounts and keep up with balances, charges, deposits and to help her get past statements for the 5 year lookback with XXXX she's trying to apply for. Her health is declining and she needs help. Durable POA was done at Wells Fargo in person ( my Grandmother, my husband and I-the DPOA 's , and 2 witnesses at my Grandmother 's local bank branch. I live in Oklahoma. She lives in Florida and is currently in a XXXX home. This was written up in XX/XX/XXXX. Wells Fargo 1st said that their notary missed checking a box for known or in person however she wrote underneath presented FL identification proving we were there. The bank notarized the XXXX, designation of XXXX XXXX & living will, and actual Will documents that day. We signed in at the bank for notary. Bank is saying 2 documents are fine and show we were there but 3rd one done on same day at same time does not. They got an affidavit from the notary showing I was present and also an affidavit showing my Grandmother was present for the signing. Now they want me to go in person to bank in FL to add it knowing that I can't. I need to get the last 5 years of statements for my Grandmother for Medicaid application. She has started bouncing checks. She needs help. A medicaid advocate went to the XXXX home and tried to help my Grandmother call Wells Fargo to access accounts today. She had trouble following the conversation and verifying data to get access to her own account. When the advocate tried to help her Wells Fargo told the advocate she can not help her. My grandmother 's online access is also gone. She has no real idea what is going on with her accounts. And to top it off upon getting a few bits of information she realized that her account balance is much lower than it should be. Her caretaker was joint on that account and has now disappeared isn't answering calls etc. Trying to figure out how to help my Grandma as POA but Wells Fargo keeps blocking everything I do to try to help her.

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 monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report, which I believe are inaccurate and violate several laws including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. The following accounts are of concern to me : XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information on my credit report and request that it be removed. Please investigate this account and remove it from my credit report immediately if you find it to be invalid. 

XXXX XXXX, Account Number : XXXX I have no recollection of ever belonging to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), collectors are prohibited from reporting false or misleading information on my credit report. I demand that you investigate this account and remove it from my credit report immediately if you find it to be inaccurate or invalid. 

XXXX XXXXXXXX XXXX Account Number : XXXX I have no recollection of ever belonging to this account. The Truth in Lending Act ( TILA ) and Real Estate Settlement Procedures Act ( RESPA ) require that creditors provide accurate and timely information to consumers. I request that you investigate this account and remove it from my credit report immediately if you find it to be invalid. 

I understand that it is important to have accurate information on my credit report, and I would appreciate your prompt attention to this matter. I also remind you of your obligations under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Billing Act ( FCBA ), and request that you provide me with written notice of any action taken in response to this dispute. 

Thank you for your assistance in resolving this issue. 

Sincerely, 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 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to XXXX, Transunion and XXXX. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2020-12-02
Company: Affiliate Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. This company you stating that I have a balance of {$1300.00} with creditor pendrick capital partners.. I do not owe this debt. I requested validation of debt and all this company has sent us a verification with an invoice. Nowhere is there a copy of my signature anywhere. I want to report this company is violating my rights under the FCRA as a consumer. I want them to update all three credit bureaus if they have a negatively impacted my character, which could be considered defamation of character,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please examine and remove the PORTFOLIO RC account from my personal credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: AR
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: Problem getting your free annual credit report

Complaint:
I went to experience website seeking to get an up date on my credit report I entered all my information that their website ask for and once I gave the that they pulled up something that had nothing to do with what I was looking for it didnt show me my score in the reviews it said that if you dont join them they will drop your score if this is true I want to file a complaint due to scam Im not interested in joining their monthly reporting this web site is a scam

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX submitting this complaint against Transunion, LLC and there is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires & late payments as well

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 2022-07-18
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 Date opened XX/XX/XXXX Balance {$17000.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I show on my credit that I owe XXXX XXXX XXXX XXXX XXXX dollars. Over the last 3 years have gone back and forth with them, that I do not own this debt. I return the equipment and it was received on their end. No one will fix it and than now it is showing up on my credit. I am please asking to finally remove this off my credit as I do not owe this balance and it is unfair to my credit. 
Thank you for your help in advancw

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NY
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:
XXXX # XXXX. 
In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A. Section XXXX : It also States a consumer reporting agency can not furnish a account without my written Instructions. 

XXXX XXXX XXXX. ( A ) ( XXXX ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: GFS II, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I received court documantation in regaurds to a vehicle that was sold to me stating that I am being sued for the balance of the vehicle after contacting the financial institution for a voluntary repossession when the vehicle having multiple issues from purchase finally broke down completely. My initial complaints weren't submitted to Gateways Financial 's representatives but to the dealer and to my salesman. It wasn't until later, after I'd gotten nowhere with the salesman as we couldn't agree on a time and date because of my work schedule and my at the time pregnant misses and our appointments that I expressed my displeasure with the representatives of the company by way of phine and email on how I'd been sold an unfit vehicle that had not been given it's multi-point inspection after being told by my salesman it had to ensure it's safety before the vehicle was sold. After performing my own inspection of the vehicle when winter finally broke and was able to do so is when I dicovered the issues that could have left me or my family seriously injured or deceased. Pertaining to the outer tie rod ends as they control steering. When one fails, the tire, if it's the front driver side slams extreme left, the front passenger side slams extreme right pulling the car in that direction and if not acted against immediately meaning would either send the vehicle and it's occupants ( myself or my XXXX lady ) into oncoming traffic or into a ditch, tree, embankment, etc. at 55 miles an hour as all main roads leading to towns are posted at that speed limit. I also submitted my at the time address of which the vehicle was located for pick up after the fuel pump expired expressing to the representatives that after all that had transpired up to the fuel pump failing that with a XXXX an at the time XXXX year old and my misses being out of work for 6 weeks recovering from a XXXX XXXX that I wouldn't be able to continue financially with repairs and a payment. Even after Gateway 's attempt to refinance me at a lower rate it still would not have been possible to pay for repairs, car payment, housing costs amd utilities with all that was going on..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX has inaccurately reported a debt on my credit report. The only agency who stubbornly refuses to remove it is EQUIFAX. On my initial dispute, I advised them I have NEVER been a patient of XXXX Hospital. However, they claim they contacted the Collections Agency and they verified the item belongs to me. How can I be taken to Collections by XXXX Hospital if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by Equifax. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation