BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: Upgrade, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2018 somebody tried to take out a loan on my name it was a fraud and the company refuses to close the account and remove from the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I would like to report unfair billing practices and reporting with intention to discredit an individual by constantly reporting negative information to credit bureaus information that is not current. I am being doubled billed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, TX ph # XXXX ) as well as Merchants Professional Collection Bureau , Inc ( XXXX XXXX XXXX XXXX, TX XXXX ph # XXXX ) for the same bills. I am being coerced by the two to pay both of them. I have been making payments on old accounts to both parties. I have a current payment plan with XXXX XXXX XXXX for which i have been paying on time scheduled payments as well as paying the other company as well. XXXX XXXX XXXX consolidated the old accounts and brought to current by me paying underneath one account for these old accounts to them, plus Merchants and Professionals collection agency is continuing to bill me as well as XXXX. Merchants and Professionals is constantly reporting to national credit bureaus negative on accounts that i have a current payment plan and is satisfactory paying with on time payments to the original company ( XXXX ) Both companies are getting money from me for the same bills. I am paying Merchants and Professionals as well outside of XXXX XXXX XXXX. Neither is reporting to each other. After speaking with XXXX XX/XX/2020, representative with Merchants and Professionals, XXXX states that they will continue to report negative to credit bureaus even though she is aware of my current payment plan for these old accounts and is currently paying XXXX XXXX XXXX for them. Please help me as i am not able to keep paying both. Merchants and Professionals is using reporting to credit bureaus as a method to coerce me to pay them too when i am paying XXXX XXXX clinic for what they are harassing me for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I contacted XXXX  on XX/XX/23 to remove this inaccurate address and they said they can. I also sent in a letter with my identification verifying my current and only address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened up a checking and savings account in my name and without my knowledge in XX/XX/2011 and maintained these accounts until XX/XX/2011. Deposits where made and withdrawals.

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 2020-07-07
Company: Home Point Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After several phone calls during the month of XXXX to correct my XXXX billing statement, Home Point Financial Corp has yet to correct the accurate balance on my account. I have been making payments via my bank for months but for whatever reason Home Point takes forever to clear the checks. Having recognized what was happening during the month of XXXX I called their office to complain and made an automatic payment over the phone in order to avoid the late fee and was advised to put a stop payment on the check from my bank, which I did. Then, checking in on the XXXX payment I noticed the XXXX payment was never processed and that I was behind for payment. As you can see in the attached from my bank statement, an automatic payment was made to Home Point Financial on XX/XX/XXXX for {$6900.00}. That payment was deducted from my checking account to pay for the XXXX balance but Home Point failed to acknowledge the payment. 

Now, after calling in yesterday to discuss the issue I was informed that there was a stop payment but the stop payment was on the bank check not the automatic payment they asked for. I put a stop payment on the XXXX bank check, not the automatic payment which as you can see from my bank statement was deducted from my account. 

Yesterday I made another automatic payment for {$6900.00} for the XXXX payment but was informed that this would be put against the XXXX payment. Therefore, I am demanding that Home Point correct the issue immediately and bring my account to current, paid in full, and remove all late fees. Both XXXX and XXXX mortgage payments have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
multiple names or aliases show up on my credit report, which do not belong to me or have I ever used. My name is 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 2020-01-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of 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 non-monetary relief
Consumer complaint received 2020-09-09
Company: Credit Control Company, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over the past several months I've attempted to resolve wrong/inaccurate identity theft related accounts with a company called Credit Control Company. I have reached out via mail with both the three major consumer reporting agencies and directly with Credit Control Company.  I've included a copy of an identity theft report # XXXX, affidavits, and dispute letters. In addition Credit Control Company continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old. I also requested HIPPA release documentation which was never provided by Credit Control Company. Despite these several violations of my consumer rights, these fraud related/inaccurate accounts continue to appear on my credit reports. I find these actions unacceptable and Credit Control Company must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XX/XX/XXXX XXXX Early Warning Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX, AZ XXXX Attn : Consumer Relations Attn : Consumer Relations RE : Request to Delete and Block Accounts Resulting from Identity Theft Dear Sir/Madam, My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX TEXAS XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX Please delete and block this information from my consumer report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my consumer reports received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020

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 2020-05-24
Company: STATE FARM BANK, FSB
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS IS A COMPLAINT AGAINST STATE FARM BANK. FSB I request your company to stop reporting an account that says it belongs to me, I request that the account that was opened without my permission and without my authorization be blocked from your credit files and collection systems and by Please stop reporting to credit agencies this account that hurts me greatly. 

The account is State Farm Bank, Account Number XXXX The information contained in this account is being reported negatively in my credit report, I make it clear that this account is not related to any transaction made by me. Such transactions are the result of identity theft. 

Please Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened under fraud. As you should know that it is illegal and incorrect for a fraudulent account to be reported and that it can not be verified because all the errors they have do not belong to me., I make it clear that all the information reported by my name and social security number related to this account. It is a fraud and that is why : I have the right to request and demand that these fraudulent accounts be blocked immediately. In accordance with the Federal Laws that protect me, since I am a victim of identity theft and I provide a police report and all the documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which states that

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 2023-01-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : 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 XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, 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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance Owed : {$0.00} ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company called my home at XXXX XXXX at night and then hung up when i asked who was there. when i called back they tried to demanded I provide them my personal information and refused to remove my number from their call list. I am not associated with this company nor do I have any business with this company for them to be calling me at all, least of all at XXXX XXXX and hanging up. I have a young child and they have disturbed him on a school night with their prank calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a transaction made through paypal that's not coming from me. 
I dont know anybody who are living in DE. 
I made a research about the website and its very expensive sunglasses. 

I told Paypal about it and they answer that nothing is wrong with this transaction. 
I need help Seller info XXXX XXXX XXXX XXXX XXXX : XXXX Transaction ID XXXX Invoice ID XXXXXXXX Purchase details XXXX  - XXXX XXXX XXXX XXXX to MY NAME " Address '' XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During my brief marriage to XXXX XXXX XXXX of the XXXX, GA area, he fraudulently secured credit cards in my name by forging my signature. I now have a situation where a credit management company is trying to garnish my work wages as a result of this fraudulent activity. The company is : Midland Credit Management Inc. The MCM account number is XXXX and the telephone number is ( XXXX ) XXXX. Filed under my name XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and 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 2020-07-07
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX is reporting my accounts late when I am currently in XXXX. I was unable to reach them during the Covid crisis nor was I able to reach my school and now XXXX is basically are saying too bad. 
The following is incorrect : 1. accounts are reporting late 2. accounts reporting closed Furthermore these accounts are reporting on my credit report twice each. 
I do not understand why XXXX is not held to better standards.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2023-04-04
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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 2020-01-28
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$410.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have never, not now nor in the past, had a credit card with either XXXX or XXXX. These accounts are being reporting in error and need to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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