BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contact all of the creditors thats listed on my credit report asking for those hard inquiries to be removed because I did not apply for the accounts. I believe I have been fraudulent.

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 2022-09-30
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting that I owe {$220.00} to XXXX XXXX which was settled back in XXXX for {$520.00}. They are also reporting a late payment for this year starting in XXXX which has significantly dropped my credit score. I have provided the settlement letter and the receipt for which I paid in my documents as 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 2017-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a CFPB complaint with XXXX XXXX on XX/XX/XXXX regarding credit reporting issues related to Capital One Auto Finance under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX.
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. XXXX XXXX is now reporting an open auto loan with Capital One Auto Finance as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of Capital Ones recent letter and images of how XXXX XXXX was reporting in XX/XX/XXXX and XX/XX/XXXX It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Trans Union LLC has been notified by certified mail regarding inaccurate information reporting to my credit report i have contacted merchant as well as trans union requesting validation of debt bearing my signatures and dates i do not recognizes these accounts and demand they be deleted immediately per FCRA and FDCPA you are violating my rights and the law XXXX XXXX XXXX -late updated AUTO PAY NEVER BEEN LATE XXXX ) XXXX XXXX XXXX UNKNOWN ACCT In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose NO UPDATES TO DISPUTES NOTES MADE TO MY REPORT DELETE AND UPDATE XXXX ACCT NOW

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 2023-07-05
Company: Credit Corp Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Account : XXXX has violated my rights under 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from Phoenix Financial Services stating that I owe {$820.00}. That same day, I sent out a request to provide proof of debt owned, with my signature and details. 

On XX/XX/XXXX, I received another letter, without any information I requested. 

On XX/XX/XXXX, I received yet another letter from XXXX XXXX XXXX with some cryptic CRT Code/Modifier and the date of XX/XX/XXXX. Once again, no explanation and no proof of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this company in regards to a debt that appeared on credit report. The agent advised the debt was from 2016. I was not familiar with the debt. I attempted to work with the agent to settle the debt even though I do not recognize the debt. The agent ( s ) were not working with me despite my financial hardship. I requested a validation of debt from this company which has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: FORD MOTOR CREDIT 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: Old information reappears or never goes away

Complaint:
I contacted ford to remove payment that were late due to me going homeless in 2017 I am XXXX and these payment histories are affecting my ability to qualify for a mortogage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: ProCollect, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed off on my lease and moved out of my apartment and received my deposit back after a couple months I received a phone calls asking to collect debt from The XXXX XXXX at XXXX XXXX in XXXX, FL. I told them that I do not owe XXXX, they accepted my move out and gave me my deposit back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was paid in full as of XX/XX/2015 to Wells Fargo Dealer Services/Wells Fargo Auto. Wells Fargo Dealer Services reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from Wells Fargo Auto that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.

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 2021-11-10
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
They have the promotion about deposit {$15000.00} for certain days and give me {$500.00} bonus, and they never give it to 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 2022-11-04
Company: EQUIFAX, INC.
State: OR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check in the amount of {$48000.00} and l had another check for {$5.00} to deposit into my checking account with Wells Fargo Bank which I have been a customer since 1983. But I was given two choices on the day l of the deposit, the would place a 12 day hold on the and give me {$220.00} or give me my checks back to me all because their system said that in the past six months l have zero balance. And they need proof of funds. I told them that it doesn't take 12 days to get proof of funds. Wells Fargo called the Bank not the and the company the sent me check for proof of funds and when I told that to one of the Banker at Wells Fargo his answer was, " on hold. '' Four weeks ( prior weeks ) all l had to live off was the {$220.00}, as a XXXX XXXX XXXX XXXX senior citizen in rural South Carolina miles away from any stores.

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 2023-05-13
Company: EQUIFAX, INC.
State: RI
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ XXXX XXXX XXXX ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Collection Bureau of America Ltd.
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:
THIS COLLECTION ACCOUNT DOES NOT BELONG TO ME AND SHOULD BE DELETED FROM MY CONSUMER REPORT. THESE INQUIRES WERE NOT AUTHORIZED : 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 2023-05-13
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX date : XX/XX/2022, has violated my rights. 
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 an account without my written instructions. 

This inquiry from XXXX  XXXX is fraudulent, because I did not authorize this company to pull my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To whom it may concern : Back in XX/XX/2019, my husband added me to XXXX XXXX  CREDIT CARD. Couple of months later he had removed me from the same account. He is a sole holder of that account, however, XXXX are still reporting me to credit bureaus. This information is incorrect and affects my credit score. Please resolve. 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 2020-04-21
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I filled out a 3 hour application with PNC Bank for help with a few Mortgage payments. 
I received a letter a week later then got a call this morning XX/XX/XXXX XXXX. 
I heard that most mortgage company 's were basically allowing you to push back your payments for 3 months while not earning money due to Covid19. 
The PNC rep told me that there was no help for XXXX and XXXX but a forbearance would start in XXXX XXXX and XXXX. I asked about XXXX and XXXX since I needed help now and was told those payments are due. She also explained that those missed payments had to be made up they had to be paid back but not all at once. 
I have not received any money from any agency as of XX/XX/XXXX I cant pay the mortgage right now. 
My Mortgage is currently past due for XXXX in the amount of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
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:
THIS ACCOUNT IS NOT MINE. IT BELONGS TO XXXX XXXX XXXX XXXX WHO FILED CHAPTER XXXX BANKRUPTCY WHICH HAS BEEN DISCHARGED. ACCORDING TO HIS ATTORNEY AND CURRENT BANKRUPTCY LAWS YOUR ORGANIZATION HAD AN OPPORTUNITY TO DISPUTE THIS ACCOUNT AND Its STATUS DURING THE MEETING OF THE CREDITORS WHICH YOU FAILED TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one bank will not verify as to whom gave them permission to open this credit card in my name. I have tried multiple times to reason with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
WHILE ON XXXX XXXX IN XXXX, MY EX WIFE FILED A FRAUDULENT POWER OF ATTORNEY WITH USAA. NOT UNTILL IN XXXX DID USAA DISCLOSE THE EXISTENCE OF THE POWER OF ATTORNEY WITH USAA. ALTHOUGH SHE WAS MY WIFE, MY WIFE FILED THE FRAUDULENT LEGAL INSTRUMENT TO OBTAIN USAGE OF THE CREDIT CARD WITHOUT MY CONSENT. 

USAA PROVIDED THE FRADULENT POWER OF ATTORNEY TO MYSELF AND AS OF MY LAST CREDIT CHECK, I DISCOVERED USAA LISTED THE DEBT AS A NEW ENTRY LAST MONTH. 

THE STATE OF CONNECTICUT HAS ALREADY FOUND THAT MY EXWIFE HAD ALREADY ENGAGED IN ACTS OF FRAUD REGARDNING SIMILIAR SUBMISSION TO STATE AGENCIES AND FINANCIAL ENTITIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX XXXX OF XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - XXXX Inquiry XXXX CO XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
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:
good night dear agency, i come here to apologize to you guys for lying to you and saying i didn't know the doubts of my account, i really want to pay XXXX  XXXX please send them back to my account i'll pay all of them thank you very much

Company response to consumer: Closed with explanation