BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: World Omni Financial Corp.
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: Investigation took more than 30 days

Complaint:
I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an unknown account listed from Wakefield & Associates which is unknown and I do not owe any medical as I have insurance and this is again unknown and I have never received validation or anything about this item Wakefield & Associates XXXX {$410.00}

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 2020-08-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( XXXX, Experian, and XXXX  ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.

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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are many mistakes appear in my report without my understanding.

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 2018-04-26
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt has been resold again. The original debt was for creditor XXXX XXXX. I never owned this account. I have attached a police report and an Identity theft report from the federal trade commission. Please remove this from my credit file immediately. As this is a debt in which I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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: Information belongs to someone else

Complaint:
I'm disputing this account ( 1 ) XXXX XXXX XXXX  and asking that it be blocked from my credit report due to the fact it is not mines. I have been a victim and now my credit has been compromised. If you the reporting agency can not show physical certified documentation of such then as stated within the FCRA this account shall be blocked and permanently removed from my account. I do not have nor have I ever had an contact with XXXX XXXX XXXX, and if this company purchased such debt from an unknown and unauthorized creditor then that contract shall automatically become void. No debt owed. But in this instant matter either account is mines no way. So I'm demanding that this account be blocked immediately and permanently from my records. Section 609 & 611 can be applied to this. However, I also would like the credit agencies detailed Method Of Verification in the handling of this account. Who did your company communicate with, what was their title, what day and time did this take place, and what certified documents were presented and when was the consumer given the opportunity to verify this. Please either provide in detail or block this account.

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 2022-02-28
Company: GVA Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
https : //brightlending.com/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 699.4069 %. I borrowed {$500.00} and now I owe {$2800.00}. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: BARCLAYS BANK DELAWARE
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is currently updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014 and they are still currently reporting and affecting my credit. This is a clear violation of the Bankruptcy Law Act. This account needs to be removed.

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 2019-03-22
Company: M&T BANK CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Debit card was stolen on XX/XX/XXXX. The bank was notified about the charges and created a provisional credit for the unauthorized charges and later and reversed them on XX/XX/XXXX. The bank requested that I make a police report in person at XXXX XXXX Police on XX/XX/XXXX. The report was presented to a bank representative at XXXX XXXX XXXX XXXX XXXX XXXX. The entire correspondence package was sent to their Fraud Division with no communication or update. 
The M & T Bank has video of the unauthorized person using the debit card.

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 2019-03-22
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a voicemail asking me to call back to talk about changes to my student loan repayment options. The woman who left the message said her name was XXXX XXXX and said I could reach her at ( XXXX ) XXXX. I believe that this is a scam because the woman did not say my name or the name of my loan servicer in the message that she left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: JPMORGAN CHASE & CO.
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:
On XXXX XXXX, 2020, XXXX  - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX, XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: OH
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:
Notified XXXX XXXX XXXX approximately 30 days ago to dispute a fraudulent credit card on my credit reports and they still have not validated the debt with me which is against the fair credit reporting act. There is no evidence of this debt being mine which in result needs to be deleted. XXXX XXXX XXXX  has provided me no details in the investigation or evidence so I want deleted

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 2020-07-25
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Asset Management has reported a alleged debt on my credit reports. I have no knowledge of this alleged debt as i was a victim of identity theft. I have sent a letter for debt validation and have hot received a response. I also believe this alleged debt is past the collection statues of seven ( 7 ) years. Trident Asset Management is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is currently updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014 and they are still currently reporting and affecting my credit. This is a clear violation of the Bankruptcy Law Act. This account needs to be removed.

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 2021-05-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Several financial institutions are stalling/deny my application for a home loan pre qualification. 
After receiving notice to contact this institution via Dear XXXX XXXX : This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau XXXX CFPB XXXX for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX Box XXXX XXXX, IA XXXX Via Federal Reserve XXXX USDA WELLS FARGO XXXX BANK

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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XX/XX/2021. Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past time.

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 2020-05-13
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:
This complaint comes forth as I am a victim of Identity theft and I have presented a dispute to Equifax, yet to no avail. Attached you will find the supporting documents to validate my claims. The fraudulent accounts are as follows : XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
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: Information belongs to someone else

Complaint:
Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/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 2020-11-04
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 was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my XXXX  XXXX  and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$230.00}

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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies. 

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX  each month for my credit reporting and score.

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 2020-08-23
Company: EQUIFAX, INC.
State: OH
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:
Notified XXXX XXXX XXXX approximately 30 days ago to dispute a fraudulent credit card on my credit reports and they still have not validated the debt with me which is against the fair credit reporting act. There is no evidence of this debt being mine which in result needs to be deleted. XXXX XXXX XXXX has provided me no details in the investigation or evidence so I want deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS
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:
I bought the new car XXXX XXXX XXXX at Toyota Motor Credit Corpcompany, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ 3k.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I returned a trombone that I leased from XXXX XXXX, in which I received a written receipt stating " bad debt-returned ''. I then called and spoke with a representative from XXXX XXXX ( the collection agency ) to clear the debt from my credit that was opened XX/XX/XXXX. At this point the representative informed me that the balance of the debt was over {$1600.00} ; however the amount reflected on my credit report is {$1400.00}. I was also given another amount in a letter that was sent out XX/XX/XXXX which was {$1500.00}. The representative then went on to tell me that I should have kept the instrument and had I called prior he would have advised me to do so, stating I have to submit payment to have it removed. He stated that I need to pay the amount that I see on my report and that the letter. I let him know that I had proof the instrument was returned and he said it would still have to be paid. I spoke with XXXX XXXX and was informed that they have done their part and that the collection agency has done this previously. I took it upon myself to resolve my debt with XXXX XXXX in good faith by returning the instrument and calling to have this debt cleared and was professionally bullied for payment instead.

Company response to consumer: Closed with explanation