BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019..I was approved for a payday loan from cash aisle loan company which is a tribal loan company based in XXXX XXXX Wisconsin for XXXX..Loan number XXXX ..for XXXX dollars..This is an illegal loan per Illinois state law and the Illinois pay day reform act which states that any payday loan company must be licensed by the Illinois Attorney General to issue payday loans which this company is not..This company charges illegal interest per Illinois state law which states no payday loan company may charge more than 99 percent interest per year and this company charges XXXX percent interest a year which makes this an illegal loan under Illinois state law..To date I have paid XXXX on this illegal XXXX dollar loan under Illinois state law and an uncollectible loan in Illinois courts..I am requested since I have paid XXXX ,XXXX more than the XXXX principal that this loan be considered paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a personal credit card from Capital One for many years with my social security number on it I have a couple users on it as well. A company that I work for filed XXXX XXXX I did not file XXXX XXXXXXXX they have marked my credit bureau bankruptcy they've marked my additional users bankruptcy they will not talk to me nor let me make a payment I keep telling me to call an attorney I don't have an attorney because I didn't file bankruptcy they have incorrect information will do nothing to check it out. I've never missed a payment my life anywhere there's no reason I would ever file bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received multiple notices in regards to a debt from company called Midland Management referencing, XXXX XXXX. I believe the amount that debt collector is attempting to collect is an invalid and incorrect amount and debt collector has used tactics that violate my federally protected rights under 15 USC 1692 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They took XXXX  & closedown 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 2022-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Showing 30 days late on XX/XX/2022 payment that I made on time, but payment was erroneously sent to savings account instead of credit card. I spoke with XXXX XXXX XXXX regarding the situation and they filed disputes for me, but the information is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.

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 2022-04-18
Company: EQUIFAX, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: LEXISNEXIS
State: MD
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:
On XX/XX/2022, I completed a CFPB complaint on Lexis Nexis regarding a XXXX public record that is showing on my credit report. This is inaccurate information. Lexis Nexis did not respond to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. 

On XX/XX/XXXX, I completed another CFPB complaint to Lexis Nexis regarding the same issue, a bankruptcy reporting to my report. They claimed that XXXX verified it and that is not true. I have contacted PACER and they do not provide information to third parties whatsoever. 

The following are the laws that were violated : 1. 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 USC 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction.

I contacted the US XXXX Courts and they mailed me back a letter dated XX/XX/XXXX ( see attached ) stating that they do not send information to the credit bureaus. This means that they did not provide Lexis Nexis with information to be reported. 
I also contacted XXXX, and XXXX  also does not provide information to credit bureaus. A screenshot of this directly from their website will be attached. 
So, the claim that it was verified by the US XXXX Courts of XXXX, MD, and XXXX is not accurate. XXXX also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: CITIBANK, N.A.
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:
XXXX/CBNA XXXX Charge-off There is no remarks that shows that this account is charged-off. Also the dates are reported inconsistently. Please delete this inaccurate 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 non-monetary relief
Consumer complaint received 2020-11-02
Company: LoanCare, LLC
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: Problem with personal statement of dispute

Complaint:
XX/XX/2020 went into the auto-pay system ( online ) to increase the principle payment on our mortgage amount due. Somehow this altered the date the payment is processed and we received a late payment notice from the lender. We immediately called in and explained what we had done online to the customer service person. She agreed that it should not have happened and waived our late fee. She stated that it was a " Auto-Pay '' system issue and that she had fixed the issue with our account and we should be fine moving forward. The next month it happened again. We called in and again the customer service person stated it was a " Auto-Pay '' system issue, said she fixed the issue and again waived the late fee. 
This happened again for the month of XXXX ( we were not aware ) until a few weeks later. Again we called and made the payment. ( at this pont we opted out of the " Auto-Pay '' and now manually make our payments online thru the lender 's website ). The lender went ahead and reported us to the credit reporting companies as being delinquent on our XXXX payment. I sent a letter to LoanCare explaining what had happened in detail asking to remove the delinquency notice they had sent. They responded since we were delinquent, they would NOT make any correction. ( even though, their own representatives stated it was a system issue and NOT a failure on our part. ) We have NEVER been late since we opened this account and have always used the " Auto-Pay '' system they offered.

They did apologize for any inconvenience or frustrations. During this exasperating experience, my wife and myself ( on two different occasions ), were told that a manager would call us to speak with us about the issue we were having. Both times they NEVER called us back.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting accuny # XXXX XXXX, XXXX XXXXXXXX, XXXX  XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have rights to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the span of XXXX  years I have had miscellaneous fees, overdraft fees, and maintenance fees on my account with Wellsfargo.

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 2021-06-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a late payment on my XXXX credit card for an apparent late payment. The thing is I have autopay setup with my bank, and the bank has confirmation numbers supporting they sent out the payment at the same time it does every month. XXXX uses " TD XXXX XXXX XXXX '' to manage their branded credit card. TD XXXX XXXX XXXX refused to accept my bank 's Electronic transaction confirmation number as proof that the payment had been sent on time as it is every month. They refused to remove the fee and told me to take it up with my bank. 

I have since canceled the credit card account, but I will still need to pay the fee 's and late charges. This is very obviously fraudulent business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reach out to XXXX XXXX  XXXX  / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. 
There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX : Reported : XX/XX/22. Amount : {$77.00} XXXX Account XXXX XXXX XXXX : Reported XX/XX/22. Amount {$220.00} XXXX XXXX XXXX/ XXXX  XXXX XXXX : Reported XX/XX/22. Amount {$1300.00} 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 an account without my written authorization

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 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
They kept paying after I said do not pay and put a stop payment in,

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 2022-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir/Madam, Chase notified me that all my Chase accounts will be closed on XX/XX/XXXX. They refuse to explain why they made this decision both via phone and personally in the branch. I am very confused, as I believe I have done everything according to the rules, and even if they close my accounts I would like to understand the situation and learn from this lesson to prevent it happening in the future. 

I am a XXXX citizen, and engaged with US banking first in XXXX when relocating to the XXXX. I have been constantly employed ever since, and my employer deposited over 300.000 USD to my Chase XXXX Checking account. My credit score improved a lot as well over the years, going from low 600s to 750+, I have never had a late payment and my credit utilization is XXXX % on average. 

I have recently received a credit limit increase and also a salary increase, so I really do not understand why they decided to close my accounts. 

I would appreciate any help! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX 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 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Consumer Finance, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my Capital One credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.

Company response to consumer: Closed with non-monetary relief