BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My information was stolen back in 2011 and various accounts were opened with this information including this account that I had no knowledge of or how to go about disputing it until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, TransUnion, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.

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 2021-05-01
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/2021 I sent in a letter regarding inaccurate and unverified items on my credit report and to this day I have yet to receive a response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. Section 611 ( a ), it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: IL
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 -- like many -- was a part of the recent Equifax hack. I have since frozen my credit with them, XXXX, and XXXX, but losing control of 140M records is unacceptable. I do n't consent and have never consented to any credit bureau collecting information about me, but somehow, they 're allowed to control and influence many of the decisions I make in my adult life. Now that my private and personal information is floating around somewhere, I have to take measures I normally would not have had to take to protect myself -- probably for the rest of my life. 

This corporate negligence can not be ignored, and Equifax trying to get out of this situation by offering a year of free credit " monitoring '' to their victims does nothing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: TX
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:
Attention Compliance Manager : I recently received a result letter from a dispute letter mailed as I have enclosed that letter for your convenience. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I was upset and saddened to learn that you somehow verified this disputed item, stating to leave it on the report. I am absolutely certain that these items I disputed is incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX -If inaccurate, incomplete, or unverified, I demand deletion. 

I am eagerly interested to learn how your investigator arrived at this erroneous conclusion. I demand to see a complete list of all and any documents along correspondence from each person contacted. I need you to include all names, addresses, and contact information of employees that you spoke to as part of this investigation including the date and time with phone number given. 
I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unjustifiable, hurtful, and unworthy to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from your company within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item in dispute permanently deleted from my credit report based on the unreliability of the information furnished.Thank you for your prompt attention. I look forward to getting this crisis resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-02-25
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
In 2020 ( Complaint Number : XXXX ) was filed again Chrysler capital /Santander XXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation with Santander/ Chrysler Capital and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXXXX/XX/XXXX; contact my attorney General. I am in the process of purchasing a home & for the last 6 months XX/XX/XXXXhas been telling me to Chrysler capital is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or Chrysler capital is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. Santander is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: GA
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 have a protection plan through XXXX XXXX XXXX. I have been disputing the same items for over a year now with Equifax and on the credit file, I was provided that the items do not show any longer and could not dispute them because they were not on the report. Today I was denied credit for my business due to the items that were supposed to be taken off the report. When you call and go through the entire process of validating yourself you give all of your information and then they continue to send you through this again, you can never reach a person to get to the bottom of this. Equifax is sending out fraudulent information and giving you no way to talk with a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX  XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. 
Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. 

Also, There was an incorrect charge of {$3100.00} added to my Wells Fargo account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Chime Financial Inc
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:
XX/XX/XXXX I realize when I lost my personal cellphone away on work, I also lost my Chime debit card when I got home. I called chime as soon as I realized and had all paperwork back to them by XX/XX/XXXX. I made a police report and sent them the reference number for a police report. I called 3 credit bureaus to report Incident. They did investigating in regards accounts trying to be open. The amount is in question with chime is {$3700.00}. I have called every day. I got emails saying XX/XX/XXXX for provisional credited. During this time im a traveling XXXX XXXX and I lost my assignment in XXXX at the XXXX XXXX working for the Veterans due to no funding for hotels. When the fraudulent incidents took place I was in XXXX XXXX  XXXX working. I lose my contract job. XX/XX/XXXX is when I got a email from chime stating no error concluded. Police found 3 fraudulent charges so far but cant say anything until their investigation is done. Credited Bureau found credit account trying to open in my name. Sent Chime documents proof of fraudulent and still havent got refunded as if XXXX. I also requested info from Chime. I havent received anything from them beside emails about XX/XX/XXXX. No one called me. No one asked for more documents. I sent them willing. I want my provisional credit and chime to fully investigate my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2019 Experian removed a charged off account from XXXX XXXX in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to XXXX XXXX again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but experian and XXXX keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his mental state

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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:
I have 5 collection on my Equifax report that do not belong to me. They range from $ XXXX {$510.00}. I have at least 3 disputes and they keep saying it is mine. I called XXXX XXXX XXXX ( collection agency ) and they verified it is not mine. Equifax individuals stated they can't not correct it. The last time I called I was left on hold for at least 10 minutes then they disconnected the call. This has dropped my score 56 points and I still got no help. This has been going on for almost a month. I don't know what else to do to get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am divorced and my ex-husband is 100 % liable for medical bills when he does not have our children insured. During a period when he did not have them insured, XXXX of our children had to go to the ER several times. Because I was the parent that took our child to the ER, they named me the guarantor and billed me for the visits to the ER. I contacted the hospital and provided them with the divorce decree which clearly states my ex-husband 's liability. They said there was nothing they could do. Eventually, the debts went to collections and are now reflected on my credit report. In XX/XX/XXXX, the first two, in the amounts of {$720.00} and {$520.00}, were reflected as derogatory marks which have negatively impacted my credit score. The third debt in the amount of {$310.00} showed up on my credit report in XX/XX/XXXX which further reduced my credit score. I initially contacted Medical Data Systems Inc., the collection agency, in an attempt to resolve the issue. They informed me that there was nothing they could do. On XX/XX/XXXX, I sent letters of dispute with proof of my ex-husband 's liability to all three credit bureaus and to Medical Data Systems. I have not received any correspondence from XXXX or XXXX, but XXXX  sent me a report on XX/XX/XXXX, showing the debt and the derogatory marks unchanged. Medical Data Systems also responded with a letter stating that they intend to continue reporting my debts to the credit bureaus. With legal proof from a court of law and signed by a judge clearly defining the party responsible for these debts, it is inconceivable that I am still being held responsible and that the credit bureaus and Medical Data Systems Inc. do not recognize the law declared by a judge and are not willing to work with me.

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 2021-02-04
Company: GVA Holdings, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/21 Bright Lending deposited {$1000.00} into my bank account for a loan I never applied for. I contacted the company and they stated that I had applied for the loan today. I did not apply for a loan and explained I never signed anything or applied. Furthermore, why would a company deposit anything into my account without verifying my employment or the state I live in? I further explained I was contacting my bank, having that deposit reversed and they would be blocked forever from my bank account. What it seems like to me is that this is their way of trying to make money, depositing unauthorized funds into an account and then charging you a ridiculous amount of interest if that transaction goes unnoticed and/ or spent. Again, I haven't authorized and/ or signed any agreement with them. My bank is handling this and I am also notifying the Attorney General. Makes me wonder how many other people they have done this to. I am also contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} Also XXXX keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 at XXXXXXXX XXXX MIDLAND CREDIT MANAGEMENT was in receipt of my written notice to cease and desist. Pursuant to 15 USC 1692c ( c ) If such notice from the consumer is made by mail, notification shall be complete upon receipt. On XX/XX/2021 the company responded to my CFPB complaint regarding the matter and stated, Per your request, the above-referenced account has been marked Cease and Desist.. IT IS A VIOLATION OF FEDERAL LAW TO NOT HONOR MY CEASE AND DESIST. MIDLAND CREDIT MANAGEMENT continues to report this account to my consumer report unlawfully. Pursuant to 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. To make this law clearer, I will re-state what was written in my initial feedback to the companys response that the above-referenced account has been marked Cease and Desist.. Pursuant to the FDCPA, Title 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Pursuant to Title 15 USC 1602 ( e ) The term person means a natural person or an organization. Pursuant to Title 15 USC 1602 ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. XXXX  dictionary defines the word any as unmeasured or unlimited in amount, number, or extent. In summation, the reporting ( conveying of information of information regarding a debt ) of this alleged debt to the consumer reporting agencies ( a corporation ; organization ; person ) and my consumer report ( a medium ) is a violation of the Cease and Desist and a violation of federal law. I will attach a copy of the original Cease and Desist along with the USPS return receipt confirming the receipt of the Cease and Desist.

Company response to consumer: Closed with explanation