BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
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:
Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX XXXX XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$0.00}

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 2023-10-13
Company: FinCo Services Inc DBA Current
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
During XXXX of XXXX I noticed that an account had been opened under my name with Current ( Finco Financial Services , Inc. ) in a fraudulent manner. I had never heard of the Company, nor did I choose to open the account. I asked if there where any charges or opened the account, they refused to provide the information. I requested it through certified mail and requested the information under Section 623 ( a ) ( 1 ) ( b ) of the Fair Credit Reporting Act and received no response. Additionally, I have asked them to close it and remove it from my credit report multiple times. It is still appearing on my credit report and they claim there is nothing else they can do. This Company is utterly irresponsible and should not be in business. They do not have the capacity to service individual 's personal and financial information. They do not even require a SSN to open an account. So any one could open an account in someone else 's name with limited information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In response to the recent investigation, I would like to express my disagreement with your findings and request that you ensure complete accuracy. I feel that not enough was done to contact the creditors/agencies that have reported negative information on my credit report. As a result, I am now requesting more information about these particular items. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Balance {$560.00}. In accordance with the Fair Credit Reporting Act, I request that you reinvestigate and update or remove these disputed items. Please provide me with the names and addresses of the individuals you contacted. You have 15 days from the receipt of this letter to complete these actions, as stated in 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this time will be considered non-verification, and the items must be promptly updated or deleted as per Section 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
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:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from my XXXX brother from someone who called and claimed that they attempted to deliver documents to me but could not reach me. 

I reached out to the number and it was connected with XXXX XXXX XXXX, and the contact person was XXXX XXXX. 

This person claimed I had a debt with Bank of America ( never had a relationship ), then claimed it was a credit card with XXXX, I paid all my credit cards and my credit score is reasonably good. 

Person then claimed that there was a court date and that I would be sued for the debt. The person also claimed that my place of business would be contacted and that debt would be placed against my property- including house XXXX car, etc. I told the person that I needed to receive whatever claim of documentation. The person insisted that the call constituted 2 forms of contact and as mediators they did not have to do so. They also claimed I had the account for 6 years. I do not recall such a debt and have paid any all credit cards that I had or have. 

My major concern is that this entity has my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Even though I told them to stop calling and written communication only they still call. They never sent me a debt validation letter like I requested and then they threatened to throw me and my family in prison for a bill, but they won't even tell me what the bill is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2022 I went to a XXXX  XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app?

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 2020-01-16
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is inaccurate infromation being reported intop my Experian profile

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 2023-02-11
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX K XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: AmeriCollect
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While reviewing my credit report I noticed a collection account from americollect. The company I assume to believe is a healthcare facility renown health. I have never been there before I live in California and this facility is in another state. I believe this is identity theft and would like this account removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: John C. Heath, Attorney at Law, PLLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
received a call from XXXX XXXX XXXX. He claimed to be from XXXX XXXX. And was offering a 2 for 1 credit repair package. My boyfriend talked to him first and gave him bank card info and his social sercurity number. When he put me on the phone I was instantly alarmed. Then I found out my boyfriend was naive enough to disclose that info I started asking man on phone how I can research him and make sure this is legitimate. He started stumbling over his words and gave me his number and extension. Name XXXX XXXX. I told him I can't confirm him through him. I need to be able to contact XXXX XXXX  and do that. He instisted on me just calling that number. Then asked to speak back to my boyfriend because he had his info and credit report pulled so he could close the deal with him. I said most definitely not. I could hear people in background that sounded like they were playing video games. I told that guy I was to check out his credutials and if I found anything weird at all I was going to report him. He hung up. Thats a great scam he has going on. He gets ssn, bank info, name and dob. All key things you need to steal from someone. I am so angry right now. Told my boyfriend to never give that info so freely!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting 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 found inquiries on my credit report 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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2022-06-01
Company: EQUIFAX, INC.
State: NC
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 a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$9800.00} ; XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$5500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote to the CRAs for almost 6-7 months to explain to me how these accounts were verified after me showing them that ; They are reporting inaccurately, some of the accounts are outdated and should have been removed due to the time frame and some of these accounts I have never owned! 
XXXX XXXX XXXX XXXX XXXX XXXX ( almost 11 years old should have been removed and stopped reporting ; 5 times its reporting as different accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as a different number in front of 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They had 9 late months on 7 accounts that made 63 late payments on my credit reports 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 XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to Nelnet but they all say it cant be changed but the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a customer of XXXX for many years. Upon completion of my last renewal period I decided that I no longer wished to have their service. I had completed my last 24month commitment by a year and " per my contract '' I paid in full the remainder of the month in which I cancelled. XXXX began sending me bills for an additional {$100.00} for an additional month that my contract did not require. I contacted XXXX on numerous occasions to explain this and their response was that since the XXXX XXXX XXXX buyout their policy had changed and I now owed this additional amount. My w/XXXX  contract had no such clause and I refused to pay it. After many more calls to XXXX I finally talked to a gentleman that seemed to understand and assured my that he would get it " taken care of '' and I need not worry about it anymore. 
After several months I started receiving collection calls from a third party requesting payment for this debt that was not owed. I again spent many more hours trying to straighten this out but they were not interested in the fact that this debt was not owed in the first place. I have not had a late payment on anything in over 20yrs and these people apparently have the right to send my credit to the sewer over a debt that is not owed??? Something needs to be done about this. It is not always the consumer that is fraudulent. Add XXXX XXXX XXXX to the criminal list ... ... Am I supposed to hire a lawyer over a {$100.00} fake debt????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: American First Finance, Inc.
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AMER FST FIN XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: United PanAm Financial Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I brought the car in XXXX XXXX, 2013 and i kept it for 3 days i took it back to the dealership and told them it was a lemon and they still paid the first payment to receive the check for the car and get me tied in for the loan

Company response to consumer: Closed with explanation