BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
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:
These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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 have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else

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 2020-10-19
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:
I have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
THIS IS THE 3 TIME I HAVE FILED A COMPLAINT TO XXXX XXXX AND OTHER CRA. I have several addresses on my file that I never lived incorrectly listed on my credit file. My name is XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX. Please delete any name variation and additional SS off my file ( Not my SS XXXX, Not my SS XXXX please delete 609 FCRA violation ) THE FOLLOWING ADDRESSES ARE NOT ACCURATE PLEASE DELETE : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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:
I have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else

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 2020-10-19
Company: Experian Information Solutions Inc.
State: NM
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 {$1000.00}.

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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. TransUnion still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.

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 2023-01-11
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX 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 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 2018-10-25
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Decreased credit limit on account that has always been current ( recently paid off ) due to unpaid student loans that have no correlation to this credit card account. 

Im trying to rebuild credit and I think this is an incredibly unfair practice that further punishes people who are struggling to begin with. 
The decrease in credit limit will negatively effect my score even though account was always current. 
They sent letter day before decrease so no proper notice was given.

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 2018-10-25
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Optimum Outcomes has placed the debt on my credit and caused my score to decrease therefore preventing me from purchasing a home. I find this to be illegal as they are not their original creditors and purchased this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone was used without my knowledge to send money to someone that I do not know through the XXXX   application. When I was made aware of this I contacted XXXX and informed them that this was fraud. I was told they would freeze my XXXX  account and that I should contact my banking institution because it is directly linked to that application. I called XXXX XXXX XXXX  and made them aware that this was fraud and they reverted the processing payments to make sure that I would not be charged. After having done that I assumed that XXXX   would do their due diligence considering the person who committed the wire fraud obviously has an account with them. To my surprise days later I received an email from XXXX that while my banking institution failed to fund the payment they covered it and I now owed them. It isn't like this was a small amount of money. It was 2 separate transactions totaling {$2900.00}. I did more research and they have a maximum limit that can be sent in a weeks time of {$2900.00}, so obviously this person knew this and sent just under the maximum amount allowable. On average I have about {$100.00} dollars in my checking account after I pay all of my bills and this is an amount that would destroy me financially. I've haXXXX XXXX for years and have never sent close to that amount of money to anyone. I've never disputed or reached out to XXXX   concerning a transfer that I did not authorize. Why would XXXX put me in debt with them for something that I made them aware of? Wire fraud is a felony and it is seemingly something that they do not take seriously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a prior lease with Ford Motor Credit, and recently entered into a new lease agreement. I had the prior lease set up with automatic monthly payments through my bank that wasn't canceled and Ford credit received the payment. Ford credit sent me a letter requesting where to apply the payment, Reference #  XXXX XXXX, on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a senior analyst who said she'd send an email to investigate and apply the payment, and I informed them I'd make the payment for the remaining monthly balance on XX/XX/XXXX. I made the payment through the online account manager to be paid in full for XX/XX/XXXX, prior to any late charges being owed. I received a call today from a Ford credit collections representative who told me that my account was past due, and no payments have been applied towards my account. I asked to speak to a manager to get this resolved, sat on hold for 10 minutes and then was hung up on. I've attempted to correct the issue, I tried working with Ford credit and fear they will negatively report on my credit unjustifiably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
Account name : XXXXXXXX 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 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 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 XXXXXXXX, 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 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 2018-10-25
Company: A-1 Premium Acceptance, Inc.
State: KS
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 received countless automated calls from King of Cash ( XXXX ). For example, I received calls on the following dates : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more!! I have called this company at least twice to report that they have the wrong phone number on file. The automated voicemail indicates that they are calling for someone named " XXXX '' and my name is NOT XXXX, nor have I ever done business with King of Cash. I verified my cell number is on the do not call registry since XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection for a medical company that I have never used or authorized anyone else permission to do so. I have no knowledge of where or how this debt originated but I do know that it does not belong to me. I have strong reason to believe that someone may have used my credit without me knowing and or fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted American Express at XXXX at approximately XXXX ET on XX/XX/XXXX in an attempt resolve an issue with credit reporting on my card. When I finally got through I explained my situation to the representative on the phone, the rep then transferred my over to another department who was offshore in XXXX. When speaking to the rep I explained my situation but he offered no formal process of even reviewing my request. He would not even hear it, I was expecting an American company in accordance with U.S laws and the FCRA to offer me a process to review and ultimately resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
Court ordered loan modification was done. My mortgage was restructured with new terms and loan amount. I have filed several disputes and they remain unchanged. I have a signed court order by the judge that shows the new term and loan amount. But they continue to report the old loan amount causing my credit to be ruined. The report is reporting the old amount of overall loan when it should be reporting the modified amount making my loan appearing to be over the limit than what was borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Conduent Incorporated
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have EPPICARD to have my unemployment insurance. at the date of XX/XX/2020, they sent me a letter that is stated " a temporary restriction has been placed on my card ''. And they also write " we were unable to reach you at the telephone number you have on file with us '' which is totally lie ...

I tried to contact the with the number which they gave me in their  letter ( XXXX ) as Fraud Services Department. When I contact with the number ( it took many hours ), They have asked all my information about me, which include my name, social security number, address, telephone number. Then, they did not satisfy and they have requested copy of my photo ID front and back. I did not send this copy because I could not fell safe. I told them and they hang up the phone.

I have tried to the number which is stated on my EPPICARD card several times, and I could not find anyone to solve my problem. When I tried to reach online to my card account, I could not enter because it says " Your card status is fraud-suspended/closed, ca
n not login ''. My account was about XXXX dollars, I am not able to use my money in any ways. Please help me!

Thank you very much in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Experian, in reference to your response to me being a victim of identity theft, Your website does not let me or anyone dispute anything pertaining to fraud. So once again I am submitting my compliant thru the CFPB

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 2023-01-11
Company: Experian Information Solutions Inc.
State: MS
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 reporting companies used my information fraudulent. Under the Fair Reporting Act ; 15 USC 6802,15 USC 6809,15 USC 1681 my information was used fraudulent without my permission

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 2023-01-11
Company: EQUIFAX, INC.
State: MS
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 reporting companies used my information fraudulent. Under the Fair Reporting Act ; 15 USC 6802,15 USC 6809,15 USC 1681 my information was used fraudulent without my permission

Company response to consumer: Closed with explanation