BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result 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 2020-09-20
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A user named XXXX XXXX, XXXX named, had a posting on ebay for a motherboard and XXXX Rampage XXXX motherboard. He said he could be reached by email XXXX. I talked with this person about him sending a motherboard after purchase. He promised to send me one after I paid in full. I did 5-6 installed payments of XXXX, XXXX, XXXX, XXXX, and XXXX. I paid my last payment of XXXX dollars to him on paypal XX/XX/2020. Instead of sending the motherboard, he said to me he changed his mind and that he was not going to send me one and ghosted me. This guy is a fraudster, paypal let me know to report to FTC and CFPB about this person who frauds people promising stuff. He even had fake reviews which most were not true. This is a warning to those to stay clear of this guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a mortgage forbearance during XXXX. 

When the XXXX forbearance ended, we resumed making mortgage payments and have {$1200.00} left on the original loan. 

Wells Fargo says that we owe the forbearance amount of {$27000.00} as a lump sum. We applied to get the terms changed so that we can make monthly payments on it. Their underwriting department denied the application because we make too much money to qualify for mortgage assistance. We do not want assistance paying our mortgage ; we want to continue our monthly payments in order to pay back the {$27000.00} Wells Fargo and XXXX XXXX have both told us that we have no option except to give them the lump sum and that we can't mortgage the {$27000.00} or pay it back in installments.

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 2023-06-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  shared/sold my information to Resurgent.com and now this company have been violating and harassing me and also destroying my financial ability to obtain fair credit use. I ask this company to send me proper documentation with my signature consent so they can have my name and share it which neither company has done. They both have violated my privacy and shared my information to XXXX, XXXX and other sis h financial institutions that I have not consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any communication from the debt collector. National Credit Systems reported the debt on XX/XX/2022 and began negatively impacting my XXXX XXXX. 
Once aware I tried to log in to their portal to get more information ( using my SSN and the amount reported on the credit report ) and there was no additional information available for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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:
Fraud Activities is going on with someone trying to open accounts I have a fraud alert on all Major Credit Bureaus How is it that they can apply for credit using my personal information with my Authorization

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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: CT
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 am writing to request several credit inquiries that were unauthorized be removed from my credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX   XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX 10.XXXX   XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX14. XXXX XXXX XXXX  XX/XX/XXXX 15. XXXXXX/XX/XXXX16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. 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 explanation
Consumer complaint received 2020-09-28
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There's debt from Credit Management ( cXXXX XXXX ) for {$300.00} from XXXX. I contact company and they advised my social security isn't matching. It hasn't been removed from credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had a lease but the lease was not honored by the lessee. They continuously would come into our residence when we were not present with out our permission and we ( my husband and I ) did not feel safe so we moved out. Since we moved out they have continuously attempted to collect XXXX for the lease being broken. We've asked for a breakdown of the numbers and never received anything and they broke the lease to start. We left the residence in great condition and should not have to pay anything since the company didn't honor the lease to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is the second complaint I have been forced to file against TU but after continued attempts and repeated ignoring of this serious issue I feel it is necessary to file a stand-alone dispute regarding their mishandling of ADA regulations and the abuse of XXXX individuals. 

I have been attempting for over two months to submit documents to TU. The agency has blocked my online dispute center. 

When given this information instead of fixing the issue, they say said to fax or US mail the documents in. There is little doubt this is solely to make the process more difficult for me and to discourage me from opening more disputes as I am rightfully able to do - especially since I am the documented victim of XXXX and financial fraud.

Over the past two days this has continued, both on the phone and in the chat portal.

I am transferred repeatedly on the phone until " dropped '' and the chat simply states they are waiting to transfer me and leaves me sitting online with no response. 

I have informed the company not only am I legally XXXX, but I am the XXXX XXXX XXXX XXXX XXXX. I am fleeing a XXXX  XXXX situation and have had to relocate XXXX miles on a very limited XXXX income. The agencies actions and refusal to block information or take documents is jeopardizing our well being and ability to obtain housing. 

I made an official ADA request to submit the documents online on multiple occasions. I was told the agency " does not have an ADA department or who handles these issues '' and I would have to use the online portal- which they know is blocked totally and has been restricted for over two months.

The agency is aware I can not mail or fax the document, and according to yesterday 's chat the fax option has been removed and the ONLY manner to submit now is US mail or the portal. 

Thus, I am unable to address this issue as a XXXX XXXX. 

I was promised a call back on numerous occasions, and have asked a XXXX department ( which they claim to not have ) return my call for over two months.

NO ONE has called back to date.

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 2023-08-16
Company: CREDIT ACCEPTANCE CORPORATION
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
credit acceptance company has reported me for 68 late payments that were never late. no one will fix this mess. i want it gone i am so fed up.. it is a violation of 15 us code 1681i ( 5 ) removal of inaccurate / invalidated credit information. This is the worst company on the planet and already are in the midst of several lawsuits

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 2023-06-01
Company: ProCollect, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Previous debt collection for {$5700.00} for incomplete lease at previous apartment in XXXX. This debt was set to be collected by ProCollect LLC. The debt was then transferred to XXXX XXXX XXXX in XXXX. I paid this debt in full for the deletion of {$5700.00} owed to XXXX XXXX XXXX  on XX/XX/XXXX. While the debt has been deleted through XXXX XXXX XXXX, ProCollect LLC has continued to try to collect on this debt and has verified it is still owed through the three major credit reporting agencies. Per FDCPA, both reports should be removed as the debt has been paid in full.

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 2023-06-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I previously had an FHA mortgage with Wells Fargo which they took over via assignment in XXXX and more importantly executed a modification in XXXX. This loan was paid in full in XXXX of XXXX and a lien release was executed but it omitted any reference to the modification which is the crux of this issue. I have called numerous times ( at least 8 ), sent letters, and emails ( which bounce back as they have no functioning email to the best of my knowledge ) and I have yet to get precisely what Ive asked for. I simply need for Wells Fargo to specifically release the modification via an affidavit or lien release pursuant to OCGA financial statutes. I cant stress the financial harm this has caused and continues to cause to my family and I.

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 2023-06-01
Company: DISCOVER BANK
State: MD
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:
So i recently checked my credit report for experian and noticed I have 9 inquiries but i dont recognize at least XXXX  of them. Starting with mortgage reporters from XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from Discover ( XX/XX/XXXX ) and XXXX XXXX ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: HW Holding, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Trying to buy a house and I realized I had damages on my credit report. According to the 15 USC 1681 law. There should not be any damages on my report. It is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On or about XXXX XX/XX/2021 I was contacted by telephone from Ally Auto and the representative told me her name was XXXX XXXX The rep began to ask me if I was who she called for and after verifying she was from Ally Auto I responded yes I am and she immediately began to divulge my debt including the amount, and the late payment status. I first asked her were there any recent notes because I spoke with another rep within the last two weeks and she advised me of a promise to pay note from XX/XX/2021. I stated I was very happy that I record these conversations because I explained numerous times that since XX/XX/2021 I suffered an on the job injury and between the Pandemic and the injury that my income is now reduced substantially. XXXX told me that there was no notes of that. I also explained to her and previous reps that Ally has not tried to work with me to make these payments more affordable. They have not tried. Now while XXXX continued to give me the information about my debt she failed to verify first who she was speaking with meaning if I was the actual debtee by verifying pertinent information for security which is required by Federal Law. Simply using the phone number as she said she did because " prior colleagues contacted me using the same phone number '' is not abiding by the rules of debt collection and financial security.

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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.

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 2018-04-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
an online offer was emailed to me last XX/XX/XXXX from HSBC bank, and if i apply for a " Advanced checking account '', offer expires XX/XX/XXXX i would get a {$350.00} bonus, and i did online on XX/XX/XXXX-XX/XX/XXXX, than you must fund the account with {$10000.00} or more within 30 days of account opening which i did {$10000.00} Exactly by XX/XX/XXXX ...., the account was opened on XX/XX/XXXX but i really had until XX/XX/XXXX to fund this with {$10000.00}, and i did, i completed all there requirements and kept a {$10000.00} balance for 90 days as needed for the bonus offer and i still currently have not touched any of that balance ... .. I called Hsbc at XXXX on XX/XX/XXXX to ask about my bonus and they informed me, told by there Marketing dept., that i am NOT eligible for the {$350.00} bonus because my account was not opened until XX/XX/XXXX, which was past XX/XX/XXXX??, i dont have a copy of that online application, but i swear IT NEVER said the account has to be opened by XX/XX/XXXX ... .what it said is that you must apply online before XX/XX/XXXX, which i did ... ... .positive ... ..., it took over a week for them to open the account, not my fault at all ... .... and i funded the account within the 30 days required, and now there making me want to call a lawyer to sue them because of FALSE ADVERTISING practices on there part ... ... i also found out that on XX/XX/XXXX that same exact offer was extended till XX/XX/XXXX, so i still would of qualified anyway ... ... .. thanks very much for your help in this matter, very truly yours, god bless ...., my account is still open ... ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
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: Personal information incorrect

Complaint:
I received an email alert that a fraud alert had been placed on my file XX/XX/2018. I called today XX/XX/18 to inquire as to why this alert was placed. After research, I was advised by the representative that the information had been received from one of the other bureaus and that is why it was placed. I contacted both XXXX and XXXX and neither of those even have an alert on my file.The representative removed the alert at my request however, I find it unconscionable that this company is able to do as they please with my credit file, lie about it with no repercussions.

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 2018-05-03
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Item # 1 : XXXX XXXX  Item # 2 : XXXX XXXX XXXX This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Acceptance I have requested a form 1099 C from this company to cancel this debt It is within consumer rights my calls and request have gone ignored

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