BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-08-18
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a debit card in the mail with my name form Suncoast Credit Union I never contacted or opened an account XX/XX/22. I also received an email from the bank saying a new account was made in my name. I called the Suncoast credit union to inform them that was not me and they stated they would have to send me a digital identity thief package for me to fill out in order to close account. I did not receive that email package.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Account status incorrect

Complaint:
Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. Equifax shows 23 months of good payment history and XXXX shows XXXX. Please delete or removed all late payments. 

Account name : XXXXXXXX XXXX SERVICES Account number : XXXX Date opened XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2018-12-31
Company: CCB Credit Serivces, Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I let my son use my credit to purchase a vehicle. My son worked for the XXXX XXXX in XXXX, TX. In XX/XX/XXXX the XXXX XXXX start laying off people and my son was laid off. My son kept the vehicle to look for another job, but things were moving slow and after several months had passed the payments were not being paid on time. And late payment notices started coming in as more time pass. After the first week in XXXX more notices started coming in, calculation of surplus, amended calculation of surplus and then notice of plan to sell came in on XX/XX/XXXX, and the dealership took the vehicle back on that day. In the notice, the dealership said that you can get the vehicle back at any time by paying us the full amount you owe, the vehicle total was {$41000.00}. and they wanted {$39000.00}. they also said that they will sell the vehicle at a private sale. The monthly payments were {$640.00}. The dealership sold the contract to XXXX XXXX , XXXX for $ XXXXand this company sold the contract to CCB Credit Services for {$19000.00}. I am retired. I will fax info for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Coast to Coast Financial Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX COAST TO COAST FINANCIAL Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COAST TO COAST FINANCIAL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-07-24
Company: EQUIFAX, INC.
State: AR
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:
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 XXXXXXXX And all soft and hard inquiries removed aswell thanks.

15 u.s.c1681 602 A right to privacy 15 u.s.c 1681604 A agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian - Unable to reach a representative for months. Please help ... 
I keep trying. I needed corrections and to receive a report by download. I had fraud occur. Each time I use the phone system it will not let me reach a live Experian representative, instead the prompt indicating I am interested in a report suddenly with no warning just gives me a recording saying they have MAILED me a report - WITH NO OPTION TO SAY NO. Unbelievable. I can not receive a report by mail because there is chance of mail theft where I am. I did not receive the credit report after a month. I do not know who's hands it might have ended up in. I keep calling every number I can find on the internet and still the same Experian recordings and no amount of options get me to any person at all - NO LIVE PERSON AND THE WEBSITE WILL NOT ALLOW DOWNLOADS of report. I am in shock. The other credit bureaus like XXXX - no problem reaching at all. To add insult to injury - Experian sends me emails selling me their products but with NO WAY TO UNSUBSCRIBE to them. PLEASE HELP me contact this company! They should be legally required to respond to customers with live assistance. Are they not?

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 2017-12-20
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the first week of XXXX XXXX, I noticed an account in collections from AARGON AGENCY INC ( XXXX ) who was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX in the amount of {$800.00}. 

This information was disputed multiple times with XXXX and the creditor. The account is in the name of my father, who has almost the exact same name as I. He owned a house in New Jersey, where XXXX & XXXX provided utility service. Which has since fell into foreclosure and collections. 

I have never open, held, or had any type of house or utility service in the state of New Jersey. I never had an account with XXXX XXXX XXXX. This debt belongs to my father. 

I have tried to resolve this collection multiple times now without any luck from any institution.

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 2022-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/22, XXXX XXXX XXXX XXXX for XXXX XXXX closed a savings account, # XXXX, where XXXX was primary account owner. The account had {$77000.00} in it and XXXX XXXX, XXXX XXXX, informed XXXX that a cashier 's check would be issued to the XXXX, XXXX, location at XXXX XXXX  XXXX XXXX XXXX XXXX Ca, XXXX, once the savings account reached the top of the queue and processed within 10 -15 business days. XXXX reassured XXXX that that account was in transition to close and that no one could make further transactions on the account. 

However, on XXXX, XXXX XXXX XXXX a secondary account holder was able to make two transactions on the savings account, despite reassurance from XXXX. XXXX contacted the phone bank and transferred {$2000.00} from the savings account. XXXX told the phone banker that the account had been stolen. The phone banker did not read the various case file account notes regarding the primary account holder closing the savings account. XXXX instructed the phone banker to send the cashier 's check to his address in XXXX XXXX, Ca. 

On XX/XX/22, XXXX was informed by XXXX that she could not stop the cashier 's check from going out and being cashed by XXXX and that there was nothing she could do. She stated that the cashier 's check could not be frozen, retracted or flagged to prevent it from being cashed. XXXX stated that XXXX needed to hire an attorney to recoup the money.

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 2018-02-20
Company: Midwest Recovery Systems
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
This loan was paid in full in 2013. We have numerous Companies attempting to collect the same debt. The calls are endless, harrassing, threatening and unacceptable. They are claiming to be collecting for XXXX XXXX XXXXThey are calling Family members of mine. Stop breaching my right to financial privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, 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:
I my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted Navient customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I was out at dinner with my wife at XXXX XXXX and attempted to use my card to pay for the dinner. The card was declined although I had sufficient funds to cover the transaction. On XX/XX/2019, again I was out with my wife at XXXX restaurant and when I attempted to use the card to pay for the dinner the card was declined although I had sufficient funds in the account to cover the transaction. I was mortified and totally embarrassed as the waiter comes back to inform me that my card is not working. On each occasion I contacted Wells Fargo customer to explain that I am ok with account being under review for suspicious activity, however you did not give me the opportunity to resolve immediately. I informed their customer service on both occasions Wells Fargo failed to notify me via text alert, email or phone call that they have detected suspicious activity so that I could promptly respond and informed them the transaction is valid and to allow it to process. When I contacted them on XX/XX/2019, I informed them of the most recent embarrassment with my card being declined. I even informed them that their fraud detection worked perfectly earlier that morning when I returned back from a trip and had to pay {$36.00} for airport parking. Their system had detected assuming purchases were made while on my trip to XXXX the day before and wanted to ensure it was me. The cashier informed me my card was declined and I immediately received a fraud alert via text, which asked me to respond whether the transaction was valid and I responded yes immediately. I asked the cashier to run the card through again and it worked fine. However, I was not given this opportunity on neither occasion when I had take my wife out to dinner. You begin to think is the company being discriminatory. Who knows at this point because I have not received a valid explanation as to why my I was never contacted about the suspicious activity by their fraud  detection unit via text, email or phone when my card was declined at the restaurants.

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 2023-07-22
Company: BMW Financial Services NA, LLC
State: LA
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/XXXX, XX/XX/XXXX, and In accordance with the fair credit reporting act, this creditor BMW Financial has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance {$530.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX  XXXX XXXX  Balance : {$500.00} XXXX  XXXX XXXX  Balance {$530.00} XXXX  XXXX  XXXX  Balance {$150.00}

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