BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-20
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection placed on two of my credit reports from XXXX XXXX XXXX for an amount that was paid. I submitted receipts and the collection was removed. XXXX XXXX XXXX has recently placed the same amount that was paid with a different collection agency and has placed it on all three of my credit reports. This is extremely frustrating, and I am requesting action be taken immediately to remove the collection from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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:
I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.

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 2020-02-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
3 times in the last week I have received an email telling my my Chase Bank account has been compromised and that I would login to change it. I dont have a Chase account. Never had a Chase account and am getting tired of the regulatory agencys doing nothing about it. This scam could easily take a elderly person as it appears legit. Email is originating from XXXX However in you inbox says Chase Bank with their logo.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: DC
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:
Equifax makes it extremely difficult to obtain a free annual credit report. The other two agencies, XXXX   and XXXX, let the consumer apply for the report online and receive the results online. Equifax makes the consumer write a letter requesting the information and mail it in. 

I applied online at XXXX to all three agencies for my free annual report on XX/XX/2019. I accessed the reports from XXXX and XXXX  almost immediately online and was able to download them. Since Equifax does not allow online access to its report, I asked them in the same online request to mail a hard copy of the report to me. On XX/XX/2019, I called Equifax to tell them I had not received the report. I was told that they had not received my request and, in fact, do not accept requests online and I would have to put the request in writing. I was given a long list of instructions and information I had to include in the written request. I then found a telephone number ( XXXX ) on Equifax.com which indicated I could call and request the report ( contradicting what I had just been told by the Equifax representative ). I called the number and gave all information as prompted by the Equifax telephonic robot. To date, I have not yet received the report. So, it appears I will indeed have to type letter requesting the report, print it out, pay for the postage and take it to be mailed. ( Given everything else, should I send it return receipt request at yet another additional cost? ) I have had similar problems with Equifax in the past. Equifax should be made to operate by the same standards and in conformity with the other two agencies. It is unfair and burdensome the the consumer to have to jump through Equifax 's hoops in order to receive a free annual credit report as required by law. Equifax 's dilatory tactics could cause any number of problems to a consumer who needs the information in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 noticed on today XX/XX/2021 that my XXXX XXXX had dropped and I was in total shock it was because there's a loan on it from XXXX XXXX  that appears as upgrade I never ever applied for this loan I wouldn't know how to this is a fraud and scam by someone who might be close enough to me to have all my personal information it isn't fair for me to have to pay back a loan that I didn't apply for in the first place. This loan is ruining my credit. They should be more careful when giving out loans to people and should remove their loan from my transunion and XXXX account. I don't have an address associated with the address of that loan.

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 2019-05-14
Company: Diversified Consultants, 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:
Transfer paperwork was submitted to XXXX in XX/XX/XXXX, on XX/XX/XXXX I received an email saying the transfer was completed. XX/XX/XXXX a collections item appeared on my credit report from XXXX, I never received a single notice & discovered this because I regularly check my credit. They never updated my forwarding address that was submitted on the paperwork, never completed the transfer & instead canceled my account before opening a new one in the new person 's name leaving me with a balance due when 3 separate representatives confirmed the balance was {$0.00} when the transfer was completed. I've gone back & forth with XXXX since XX/XX/XXXX, repeatedly being promised calls back & never getting any. XXXX Supervisors repeatedly unable to explain why the transfer wasn't completed, my address wasn't updated or why the transfer paperwork isn't on file. This has ruined my credit & caused me about 9 months of pain & suffering trying to resolve this. XXXX failed to keep legal documents on file & continue to try to cover their own XXXX with a new excuse each time I follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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:
!!!!!! This is not a Duplicate!!!! I have contacted XXXX XXXX and Experian about a fraudulent collection account being reported on my credit file. XXXX XXXX about a fraudulent debt that was placed on my credit report. Someone attempted to rent an apartment in my name and the fees associated with them submitting an application in my name have been attached to my credit file. I have contacted XXXX XXXX and told them directly the account they were reporting was fraud and they have been verbally abusive to me, and refused to remove the account from my credit file even though they know the collection is as a result of identity fraud. I have contacted XXXX XXXX in Experian 's Consumer Relations Department 7 times in total and left voice mail messages for him and he has never returned any of my very detailed messages. I was told by Experian to contact XXXX XXXX when I noticed information on my credit file that was fraudulent. I have done as I was asked to do, but in all of the 7 detailed messages I left for XXXX XXXX over the course of 2 weeks he has not responded to any of them and has not blocked the fraudulent collection account that XXXX has placed against my credit. I have provided XXXX XXXX and XXXX XXXX a copy of my very recent police report regarding the fraud that was committed against me and they both have refused to abide by the FCRA Section 605 B, and are defaming my character and intentionally inflicting emotional distress by reporting fraudulent information that they have both been told does not belong to me. I am attaching my police report to this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( 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 2022-08-13
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-08-19
Company: CUSTOMERS BANCORP, INC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX and XX/XX/2021, I signed Promissory Notes with XXXX to receive a {$20000.00} PPP loan. The app in question is SBA # XXXX. The notes listed Customers Bank as the lender. I was told that it would be funded within a couple of weeks. 

The loan was never funded. When I called, emailed and chatted with XXXX, they advised that the lender is Customers Bank and that I needed to contact them. Customers Bank representatives are unable to find information and repeatedly replied that the concern is being escalated and someone will reach out. No one has ever returned any correspondence. 

On XX/XX/2021, the SBA confirmed that the loan was first dispersed on XX/XX/XXXX to Customers Bank and then was showing funded on XX/XX/2021. I have not received these monies and am unable to get an explanation from XXXX and Customers Bank. I am concerned that I will be held liable for this government loan that I did not receive. Please 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 2021-08-15
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX {$2600.00} i have never done business with this 3rd party and they continue to report past due for 3 years causing much injury to my credit report and livlihood, they have no right to create a debt from an unknown source i have not had credit with in 2018 as showing reported. 

my social security number is not linked to that initial account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022

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 2021-08-19
Company: Flagstar Bank, N.A.
State: MO
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 am currently buying a new house and my lender ran my credit check. He told me that my mortgage was not being reported. I contacted Flagstar my mortgage company and they said thats correct and needed research to find out why. A week later still no call back. I contacted XXXX XXXX, XXXX, and XXXX and they all said there is no information on Flagstar on my report. I asked them my next step and they told me to reach out to you as this is a law that they have to report. This loan goes back to XXXX and I am requesting all of my credit from then to now please be reported.

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 2020-05-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I sent According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

With XXXX XXXX XXXX has refused to properly verify accounts with Consumers that is reporting unverified account. 

They are reporting information that has hurt my ability to obtain credit. 

They refused to obtain original consumer contract with my signature on it. 

The company 's that I requested that XXXX XXXX verify was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-13
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 WAS VICTIM OF IDENTITY THEFT, SOMEBODY STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN ACCOUNTS.

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 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Ive disputed info that BoFA is reporting to the credit bureau. In 2018 I settled an account for payment in full and agreed to make monthly payments. BoFA has recently began reporting that Im making late payments. NONE of the payments have ever been late! Every single payment has been on time. They have caused my credit to be lowered and Ive experienced an adverse credit decision because of their negligence. If this is not resolved my next recourse is the XXXX XXXX XXXX or small claims court.

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 2019-01-23
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to report an unauthorized account. Ive sent debt validation letters, Ive disputed this and somehow this account is continually verified as accurate. The only thing Ive recieved from these people is a photocopied bill. Nothing with a signature, nothing that shows proof that I own this debt. I want this unverified account removed from both my XXXX  and XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: DC
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 XX/XX/2017, I received a deposit account adverse action notice. Which prohibits me from opening bank accounts. I file a report with different banks regarding my bank accounts being hacked. I've resolved those issues with those accounts. However, this notice is still on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filling a complaint today in regards to a collection notice that I received from ACI ( American Coradius International ) LLC Phone # XXXX in the amount of {$1100.00}. This debt collection is from a fraudulent charge/ purchase ( I assume ) that was made on XXXX XXXX XXXX XXXX my name and SSN. I reached out to XXXX regarding this matter so they have been made aware of my dispute. The representative at XXXX ensure me they will look into this matter further and suggested I create a police report. I contacted my local law enforcement and they suggested I file a complaint with XXXX and that they could not do anything because the suspect is not local. XXXX also provided me with a phone number for law enforcement to reach out to for more details into my case/ their investigation. The number is XXXX ( XXXX ) XXXX. The debt in question is associated with a XXXX account number ( XXXX ) that I am not aware of and have never used but is using my name, address, and SNN. The only difference is the email address. The representative I spoke with at XXXX would not provide me the email address associated with the fraudulent account and said they could only provide that information to law enforcement.

Company response to consumer: Closed with explanation