BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I respectfully request your prompt attention on the following and accurate information on my credit report. 

For your convenience, I have attached all disputing items listed in the enclosed pages of my credit report. 

The following items is is accurate and negatively affecting my credit. Please ring investigate this matter and delete and or correct the disputed items. 

I have contacted XXXX, Equifax, XXXX XXXX and XXXX XXXX on XX/XX/2020. 

I explained to all of them that there is inaccurate information being reported on my credit report. Both, XXXX XXXX scores, split file and merged tradelines. 

I am writing to disputed the inaccurate information being reported on my credit report regarding " XXXX XXXX XXXX XXXX '' is reporting under " XXXX XXXX as a credit card. 

XXXX XXXX  is not a credit card account they only report to Equifax and XXXX  on weather or not I pay my rent on time. Became XXXX XXXX XXXX XXXX is being reported as spilt account on my credit file it is negatively affecting my credit utilization scores. 

I've reached out to all agencies to have them to correct the issues. However, they have failed to do so. 

I respectfully request that all agencies provide me with proof of disputed items specifically any contracts notes court documents or any instrumental bearing my signature. 

Failing that, this item must be deleted. 

You may send an updated copy of my credit report to the below address. 

I can be reached at XXXX or at XXXX or XXXX XXXX XXXX  XXXX TX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX born XX/XX/XXXX am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, Ive been a member with Wells Fargo since XX/XX/XXXX, and as of today I NO LONGER want to bank with them. Wells Fargo is constantly charging my account excessive fees to cover insufficient amounts for the day. within the past month I've received a total of 7 {$35.00} over draft fees. like why cant it be {$35.00} for the day and not each? They have denied me a refund on theses fees stating that I've received {$52.00} total in the past 12 months for reversal and I do not qualify for anymore. This bank has made a total of {$240.00} from me in fees. Im barely working many hours to pay my bills and no I have more fees to pay. with my children being home this summer I can not pick up any am shifts only night which has limited openings. on some of these transactions I've had the funding, its just that I miss the XXXX deposit time. at this point I just want everything closed except my credit card. t. there has been multiple issues, lawsuits, theft with this bank.

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 2016-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Recently there was a problem were inquiries were removed then added again. Some of mine were deleted then added again when I looked at my XXXX XXXX account. Please have them delete these.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: WESTERN UNION COMPANY, THE
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi there, I initiated a money transfer through Western Union Money Transfer company on XX/XX/XXXX. They promised that the funds will be available into the receiver 's account within 5 business days. But, it was not available even today which is XX/XX/XXXX which is more than 2  months. I was even not able to get any information on the issue. The only information I can get is that there was a pending verification. This is the only information I can get from both my online account and even from the Western union customer care. I did all the procedures which they had suggested me. I was keeping n calling them from these 2 months as there was an urgent need of this money to my receiver ( my father in XXXX ) but none of them were able to solve the issue. I was kept on call being transferred from one department to other department. I literally spent atleast 40-60 hours on call and chat with them. But each time they kept considering the issue as new one. I didn't see any kind any progress on my issue. Finally, I was fed up and lost hope that the issue would be resolved. Hence, I'm filing this complaint. Hope, the department would take necessary action and help that my funds would be available to my receiver. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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:
My Name Is XXXX XXXX Today Date Is XX/XX/2020 ( I'm The Only One Writing This Complaint!!! No Help By A Attorney Or Credit Repair Agent ) ) I've Been Having Trouble With These Inaccurate, False And Fraudulent Information That Don't Belong To Me I've Contacted My Local Police And Made A FTC Report Number : XXXX Ive Also Contacted Experian and XXXX XXXX XXXX XXXX About The Fraudulent I Spoke To A Lady By The Name Of XXXX And She Told Me That My Account Didn't Match What They Have That This Account Might Be A Mix Up Credit File Or Fraud And She Was Going To Update And Remove The Account, I Waited 60 days After That I Contacted Experian Updating Them With The Information But Experian Failed To Remove The Account I've Disputed This Same Account 5Plus Times Experian Updated My Account Saying Its Verified When I Call To Get A Explanation Experian Told Me That Its A Computer Generated I Was Very Disappointed XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from 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 2021-07-13
Company: I.C. System, Inc.
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:
IC System a collection agency which apparently has a history of false, wrong collections with strong-arm tactics, contacted me by letter a few months ago claiming I must pay a debt of {$500.00} from XXXX of 2020 ( a year ago, in other words ) for XXXX XXXX, which is not me, not my name. My name is XXXX XXXX. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, XXXX , Florida XXXX, about XXXX miles from me. I live in XXXX XXXX, CA. I wrote back to IC Systems telling them they are wrong in contacting me as I am not XXXX XXXX nor do I know anything about her debt, and to stop bothering me or I would take additional steps to get relief. Yesterday I got a sdecond letter from IC System saying they got my letter and will honor my request not to contact me again, BUT I STILL OWE THEM {$500.00} FOR the debt to XXXX, apparently a TV cable service company atXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. I will upload a copy of the bill for {$500.00} enclosed in the second letter from IC System which has XXXX  name + address as well as XXXX XXXX 's name and address + phone and her account number : XXXX. IC System has meanwhile ruined my credit rating by filing a collection action with the 3 big credit reporting agencies -- see my attached notice from XXXX XXXX, notifying me of their damaging action and false collection effort on XX/XX/XXXX, months after my letter explaining they were wrong in pursuing me, the wrong person, in their collection efforts. So they have demonstrated BAD FAITH by ignoring my facts and pursuing harmful action against 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 2018-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payment for XXXX was returned. They charged me {$40.00} return fee and {$25.00} late fee. I paid my regular mortgage payment plus both fees and even now they are still saying I have fees on the account. This company is predatory and need to stop fleecing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to get assistance with Credit Acceptance. This is my second complaint against this company. I attempted to get this account deleted from my file due to inaccurate information being reported on my credit file. In response to my first complaint Credit Acceptance sent me documentation for a vehicle that I already paid off. They are reporting a second vehicle with the same account number. 

I deployed with the Delaware Army National Guard 198th Expeditionary Signal Battalion in support of Operation Enduring Freedom ( Spartan Shield ) in XX/XX/XXXX. I got divorced prior to leaving for my deployment. This vehicle does not belong to me. My credit report shows that there has not been a payment for this vehicle since XX/XX/XXXX. 18 months of late payments have been reported. This derogatory item is negatively affecting my ability to use my VA loan to purchase my first home along with causing me anxiety due to the adverse impact is has on my credit score. I was discouraged upon my return from deployment in XXXX of XXXX, to find that my credit score was severely damaged by a vehicle that does not belong to me. It is unfair that I am being held liable for payments that violate my rights as a Servicemember. 50U.S. Code Chapter 50-Servicemembers Civil Relief Act declares in the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under section 502 ( f ) of title 32 for purposes of responding to a national emergency declared by the President and supported by Federal funds there is XXXX. Protection under installment contracts for purchase or lease and 105 Stat. 39, related to protection of persons secondarily liable. I am filing this complaint against Credit Acceptance for violating my rights under the Servicemembers Civil Relief Act. I attempted to resolve this issue myself. Please address this matter immediately. I am asking that Credit Acceptance delete this item from XXXX, XXXX, and XXXX  immediately and permanently. As a Veteran, I have served my country honorably and would like the opportunity to live a full and productive life with credit in good standing in the country that I serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PAYPAL banned me from using their services and hold my money I earned through online services from XXXX XXXX XX/XX/2021. The Paypal blocked me for the reason of violation in their user agreement and acceptable use policy. Upon re-reading the policies I am confident that I did not violate any of the rules. I am relatively new to Paypal and they must have been confused with my activities in to dealing with restricted activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 2021-06-07
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 a derogatory mark was added on my credit report per XXXX XXXX from FIRST FEDERAL CREDIT and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an invoice from XXXX XXXX , XXXX saying I owed {$210.00} for an unpaid balance to XXXX XXXX. They did not say the date of the bill or what it was for, just the company. They immediately offered to drop the amount to {$150.00} if I called or paid it within 30 days of the invoice. I've been receiving a ton of calls recently as well that I have not answered because I didn't know the number. 

After receiving this invoice, I immediately thought it to be a scam as I have not had a XXXX  bill in I don't know how long. Actually it could be over 10 years and it was for cable. I also know that everything has been paid and I owe nothing. So I did some research online and it looks like they try to collect on things that aren't even owed. I called to let them know I didn't have bill. 

When the lady answered she immediately asked if this was, ( said my name ). I said " This is she. '' And then she said the reason I'm calling is because of a debt you are owed. This conversation is being recorded for collection purposes. I said, first of all, I called you. You didn't call me and I don't owe anything to this company. How did you get my name and this " supposed '' debt amount. She then asked for my social security number. I refused and said I don't give that out. She said I owed a bill and they are trying to collect and again asked for my social so they could verify the information and tell me what exactly it was for. I again said no. Then I said they should remove my name and number from their calling list and not to call again or I would notify the police. She then hung up on me. 

So far nothing has shown up on my credit report. Hopefully nothing will or I will be furious.

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 2018-05-16
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called this company on or aboutXX/XX/2018, spoke to XXXX ext. XXXX and requested an itemized statement. I did not receive what I asked for. Then I called back on XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX I spoke to operator XXXX she was very rude requested to speak with a supervisor, I was placed on hold then transferred to a voice mailbox that kept requesting for a password. I have been trying to verify weather these accounts are mine. I am still awaiting on a response because I am not going to pay for something that's doesn't belong to me. I have attached a copy of the letter they sent me, as you can tell this is not an ITEMIZED copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: IL
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:
I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Nelnet, Inc.
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted by Trident Asset Management, concerning an account purchased by XXXX XXXX XXXX dealing with XXXX account from XXXX. The information supplied by Trident shows bills from XXXX dated XX/XX/XXXX and XX/XX/XXXX. It lists two account for the following amounts, {$450.00} and {$580.00}. These bills show current billing and credits. The last XXXX account that I had was for XXXX service on a house that we owned. That house was sold in XX/XX/XXXX. I have sent 4 letters and made numerous phone calls to Trident to clarify this matter. I have summited Court documents with the date of the sale of the house. Trident continues to list this as a valid debt on the credit bureau sites.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: IL
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:
Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.

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 2018-11-28
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:
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, Chapter XXXX Bankruptcy Discharged 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