BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 List of inquiries reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 explanation
Consumer complaint received 2019-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. The CFPB claim on XXXX XXXX XXXX asks XXXX  to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter.

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 2018-06-19
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:
XXXX reported a collections notice on my credit reports within the last few days in the amount of $ 230+-. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have repeatedly disputed this inaccurate account with the bureaus and creditor. I am a victim of identity theft and have proven so with all requested documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was wrongfully expelled from XXXX XXXX XXXX on XX/XX/XXXX for protecting my self from another student in the parking lot. Not only have I been receiving falsified information from my loan service company, I think the school is trying to commit financial aid fraud. They have a refund policy in their student handbook that states the school has 45 days to refund any monies due and I got receipt of my certified written request in XX/XX/XXXX. I have tried to contact the school about my request but was told that both financial administrators have resigned and no long work for the school. I received a letter form school official, Mrs. XXXX, on XX/XX/XXXX asking if I wold consider returning to school at least half time because my student loan may be affected due to my 60 day absence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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 had an account with this company. My account with XXXX XXXX XXXX what is a credit card account that I opened in XX/XX/XXXX. The account was in good standing for a long time and had a minimal balance. Then in XX/XX/XXXX I was involved in a major motor vehicle accident and around that time My Account Balance had grown excessively all the while I was in the hospital for over a month in a coma. We found out the charges were current even during that time. Which was in XXXX XXXX and part of XX/XX/XXXX. I attempted to relay this information to XXXX XXXX XXXX and they never took it serious and subsequently allowed my account to remain in a negative unpaid withstanding. Later they sold my dad to portfolio recovery Associates and have never allowed me the opportunity to square this up with them so that my credit would not be hurt by this negative balance. I would appreciate some intervention and Ive already talk to portfolio recovery associates they said they will terminate is dead and basically get rid of it the way it shouldve been done yours back yes I did this so Im doing it I appreciate any help you guys give. XXXX  XXXX XXXX  account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a cash app account I just recieved my direct deposit on Tuesday and I was trying to send someone some money and its telling me that I dont have enough funds on my account but my account balance shows I have money there and I tried several times to see if it was going to work and it doesn't I even had someone send me XXXX and my amount went up XXXX but it's still saying I dont have the funds to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/NELN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Attorney Law Office of James R. Vaughan , P.C . and XXXX are engaging in said violations of latter federal statutes. Mr. XXXX and XXXX XXXX filed complaints against said entities who could not provide within 30 days of their notice of alleged debts that Mr. or Mrs. XXXX owed any monies whatsoever. There is no itemized receipt that was produced within the afforded time frame for complaint XXXX that was submitted on XX/XX/XXXX. The company James R. Vaughan which alleged represents XXXX XXXX  responded on XX/XX/XXXX, with no evidence, which is 3 months after the complaint was filed against them. This company James R. Vaughan and XXXX are frauds and are covering up the fact that their client XXXX  made Mr. XXXX and XXXX XXXX credit worse, and charged them money that they paid to XXXX without any real tangible increase in credit. In fact, XXXX owes the XXXX  family fees it collected from them in the thousands, without ever receiving promised increase in credit scores, in fact as stated above, credit scores dropped significantly and remained that way. Thus, given that no tangible results were obtained from XXXX, and the fact that 3 months were taken to respond to the complaint noted at CFPB, Mr. and Mrs. XXXX XXXX  without a doubt are covered under the law that protects consumers from fraudulent collection activity that violates federal statutes described above. XXXX  engages in verbal and written abuse of consumers via phone and email as described in multiple complaints, and now James R. Vaughan continues in this unwarranted harassment. Their claims of debts are invalid and devoid of merit. Therefore, there is no legal validity to James R. Vaughan and XXXX allegations, no debts are owed, and in fact XXXX should return all fees that were paid for services not rendered or obtained. If XXXX is unwilling to return thousands of dollars paid, then they and James r Vaughan need to cease their fraudulent actions, which violate the federal consumer credit laws.

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 2018-05-11
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2021-07-03
Company: Thaxton Investment Corporation
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 decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since the early XXXX 's, members of my family have been loyal customers of Wells Fargo Bank / XXXX, CA branch and continue to hold a Wells Fargo checking account. Since the COVID-19 pandemic came to California in early XXXX, we have struggled with serious health problems while diligently obeying all California ' '' stay-at-home / social distancing '' orders. Obeying Governor XXXX COVID-19 orders, in turn, forced loss of family employment income that caused unprecedented family financial setbacks. We are not alone since many others also have experienced for the first time in their lives the same COVID-caused nightmares now only further aggravated by the alarming new spread of the Delta variant. 

From the standpoint of XXXX, family members, including me, are considered XXXX XXXX to the virus being diagnosed with XXXX XXXX ( XXXX XXXX XXXX-XXXX  XXXX ) and XXXX  XXXX. One family member, with no previous history of XXXX  XXXX, suffered two different XXXX XXXX last year shortly after COVID came to California. This year just last month, this same family member was hospitalized yet again with a XXXX and no longer has a phone. 
Wells Fargo used to telephone harass this now XXXX senior family member but, since this member no longer has a phone, Wells Fargo now repeatedly telephone harasses me. 
Attached are examples of only seven ( 7 ) of the most recent harassing calls from Wells Fargo. These seven calls date only from Wednesday, XX/XX/XXXX through Tuesday, XX/XX/XXXX, and document that Wells Fargo calls from different telephone numbers and, further, that Wells Fargo never leaves voice messages. ( Thus, I do not know Wells Fargo reason for its harassing calls. ) Recently, I too was hospitalized but with a serious XXXX XXXX XXXX and now am XXXX, unable to XXXX  or XXXX. The overwhelming stress caused by Wells Fargo non-stop phone harassment is causing me not to sleep and prescription antibiotic medicines less effective in healing my foot wound. 

National news reports that Wells Fargo continues to be a struggling bank but this does not excuse Wells Fargo from illegal telephone harassment of loyal customers who themselves are struggling with COVID-caused financial hardships complicated by COVID-caused health setbacks that force hospitalization.

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 2019-01-13
Company: Arbor Residential Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

note date XX/XX/XXXX mers report XXXX stated it was sold to XXXX  MAILING ADDRESSES FOR PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  FOR OVERNIGHT MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX  PHONE XXXX CEO GA ATTORNEY Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Contact : XXXX XXXX XXXX : Chief Executive Officer Phone : ( XXXX  ) XXXX  Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: PENTAGON FEDERAL CREDIT UNION
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 information incorrect

Complaint:
I made my payments fully at the end of my billing cycle. This was very important because I needed to show 0 % utilization on my card. I am in the middle of purchasing a home and credit card utilization can hurt my score.

Penfed incorrectly reported that I had a balance on the credit card of over {$2000.00}. My credit score went  down 14 points, which put me below the limit of a good interest rate and increased my payments by {$350.00} per month between higher interest rate and Mortgage Insurance. 

I spoke with XXXX XXXX from customer service in Penfed Credit Union, who sent a request to the department of Credit Bureau Corrections to do a reversal and do a report of paid off balance. 

Attached you can see that my credit available is {$10000.00}, which is my maximum credit, meaning that I have XXXX balance on the card due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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:
There is charge off account from XXXX XXXX that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. 

I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Experian Information Solutions Inc.
State: NY
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: Personal information incorrect

Complaint:
I was looking at my Experian and noticed there was a few errors on my file Personal Information the following is wrong XXXX XXXX XXXX, XXXX XXXX XXXX are not my names Telephone Numbers listed are no good 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 Spouse is wrong also it has nothing 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 2018-12-13
Company: SYNCHRONY FINANCIAL
State: NY
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:
Hello there, I found two hard inquiries ran by " XXXX  '' on XX/XX/2018, and another one called " SYNCHRONY '' on XX/XX/2018. The one that states " XXXX  '' is legit but " SYNCHRONY '' came out of nowhere and I am unable to dispute this issue.

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 2020-12-15
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 in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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 Commissions 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