BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: Global Trust Management LLC
State: AL
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:
On XXXX XXXX I received a phone call from Global trust management who stated they were collecting for XXXX. I have never had an account with XXXX however they knew all of my personal information. I have never authorized any type of online loan in my name. Someone has used my identity online to setup an account. I have not seen anything placed or removed from my checking account from either company so i know this information is false. When Global Trust called me they was hateful and told me that they would be suing me since I didnt have knowledge of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I just received a letter from Wells Fargo Dealer Services regarding my complaint submitted to them about receiving a 30 day late for the XXXX 2016 auto loan payment. First, I have NEVER made a late payment for this car loan. On XXXX XXXX, 2016, I called to make my payment over the phone after normal business hours. On XXXX XXXX, 2016, I noticed the payment was not taken out of my account. I called again to make the payment as I figured something was wrong. In the four years I have had this loan, I have never made a late payment. Wells Fargo had to correct credit reporting two years ago for this loan for the same reason. The representative messed up and my loan was reported late. This is predatory lending and I am very upset as I am trying to refinance my house and get a business line of credit ; however, my credit report has dropped XXXX points. I would like Wells Fargo to suppress my credit reporting for XXXX 2016 as I made the payment on XXXX XXXX, 2016. This bank has been the subject of litigation for illegal practices. Most recently, student lending consent decree. I am a very good customer and very upset about how I have been treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I receive at least one advertising letter in the mail a month from Chase bank. I do not have any accounts with Chase. I have not had any accounts with Chase. I do n't want anything to do with Chase. 

XX/XX/2016, I called Chase and spoke with XXXX. XXXX from Chase took my address and assured me the advertising mail from Chase would stop. It did not. 

On XX/XX/2016, I called Chase once again. I spoke with XXXX XXXX from Chase, and then XXXX 's boss, XXXX XXXX, supervisor at Chase. XXXX XXXX took my address and assured me that these mailings from Chase would stop after three weeks. 

I also filed a complaint with the California Attorney General 's office on XX/XX/XXXX, but all I got back was a form letter which did not address my problem. 

On XX/XX/XXXX, after getting the useless letter from the California Attorney General 's office, I filed a complaint with the Federal Trade Commission. 

On XX/XX/2016, I called Chase yet again after getting more ads in the mail. I spoke with XXXX XXXX from Chase. He transferred me to a supervisor, XXXX XXXX at Chase. XXXX XXXX was very condescending by saying things like he understands and " no worries ''. Very insulting and untrue. After XXXX XXXX 's bad behavior I asked to be transferred higher up. I spoke with XXXX XXXX at Chase 's executive office. XXXX XXXX took my name, address, and phone number. He verified my address down to the spelling and punctuation. He said someone else at the Chase executive office would contact me within two business days. 

On XX/XX/2016, I received a voicemail from XXXX at Chase 's executive office. XXXX said in the voicemail that I would no longer receive marketing from Chase but it would take 90 days for the mailings to stop. 

Today, XX/XX/2016, I received still another Chase ad in my mailbox. I called XXXX at Chase 's executive office. I left her a very long and angry voicemail because she and everyone else at Chase I spoke with either lied to me or can not do simple business tasks like removing me from their mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Spoke with representative at XXXX County XXXX XXXX in XX/XX/2020. Was told that when my back XXXX XXXXt ( including arrears ) is paid in full it will be removed from all three bureaus ( in approximately 30 days ). 

I've completed what was requested of me and I am completely up to date yet the account is STILL reporting negatively on my account after I WAS TOLD that it would be removed within approximately 30 days. 

The current reports are completely incorrect and must be corrected.

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 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX  and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to transunion and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect 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 2020-03-27
Company: Experian Information Solutions Inc.
State: VA
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:
Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect 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 non-monetary relief
Consumer complaint received 2016-06-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a company by the name of XXXX which is a fraudulent account. This account does not belong to me and they have this same XXXX account listed on my Equifax credit report XXXX times which that is against FCRA. I am asking for it to be removed. I asked for it to be removed and Equifax did not saying it belong to me. It does not and if they would have viewed again, XXXX are duplicate accounts on my report. When viewing my Equifax credit report, this account has been listed since on my credit report since XXXX. I have never made any payment on this fraudulent account. Therefore this account has been on my report almost 9 years without payment. I am asking for Equifax to remove these accounts immediately. Again they are listing the same fraudulent account XXXX times on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I contacted the company and asked them to remove the collection from my credit report due to the 7 year legal limit on debt collection in my state. The account has missing information ; including the account status showing as neither open nor closed. This debt should no longer appear on my credit report, creditor refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was offered a job that turned out to be a scam. The company I was supposed to be working with was XXXX XXXX. They sent me a check on XX/XX/2022, and advised me to use mobile deposit to deposit this check into my account. I was then supposed to use those funds to order equipment for the job. I called my bank, Wells Fargo, and notified them of this, and questioned whether or not I should be concerned. The banker advised the check was going through, and no concerns they can think of. On XX/XX/2022, the funds were in my account, and XXXX advised to send the first payment via XXXX. I did this, and then they requested more payments be sent. With this, more and more issues came about and the payments wouldnt complete, but XXXX rushed me to get the funds sent and suggested a wire transfer. i spoke with the bank again and advised what was happening and still did not get any additional direction. I sent the wire but advised the company it was under duress and was very skeptical. After the wire transfer completed, XXXX sent me another check stating I need to order more funds. I pushed back as much as possible, but ultimately ended up depositing the second check, but advised funds would not be sent without more information. I called the bank directly after and was told that this was indeed a scam, and that unfortunately I will be responsible for the funds sent. I dont understand how this is a case, and now I am negative over {$2000.00} in my account. I would simply ask to be ace whole as I made every attempt to discuss with the bank during this process to avoid any negative repercussions on myself. Again did not spend these funds, but sent as directed. I know that certain financial precautions are in place ad would like this reviewed. Thank you

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 monetary relief
Consumer complaint received 2016-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The following company XXXX XXXX XXXX has placed their company name on my Experian and XXXX Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college back in XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies Experian and XXXX. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt, were documents showing I once attended their establishment. No legal validation/ verification has been provided to justify their company name on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is not responding to any of my requests to investigate and remove XXXX fraudulent account and numerous fraudulent inquiries from my credit report that do not belong to me and were not initiated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2022-04-12
Company: Louisiana Recovery Services Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-04-12
Company: CURO Intermediate Holdings
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
There was a loan taking out in my name i wasn't aware of until it showed up on my credit and i start receiving letters saying that i need to pay them. This is not me i didn't apply for no loan. I spoke with someone concerning this matter and asked how were the funds delivered and they stated into a banking account. When i asked what was the name of the account i never heard of it, I don't even bank with the bank name that was given to me. She also stated that the loan was being paid back then the person just stopped making payments on the loan. So now i am here trying to resolve this matter so it can be taking off my credit and to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Experian Information Solutions Inc.
State: NJ
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 a bankruptcy on my credit file it 's a mixed file. Not mine

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 2017-05-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to  Bayview Loan Servicing LLC  in  XXXX   2017  for a modification application. I was told by Bayview representative in  XXXX  the process would take 30 days or less for underwriting to make a decision on my loan modification. We are now several days from  XXXX , yet no one from Bayview has contacted me either by email, mail, or phone call about the status on the loan In weeks. In the meantime, I tried making a mortgage payment but my mortgage company said I had to make payments directly to Bayview. When I called their automatic phone service, I was n't Able to make a payment. I 've left many phone messages, emails, and letters by mail asking them to call me for an update, and explaining how to make my mortgage payments. I have n't heard from anyone from Bayview. My credit report shows late payment from mortgage. Also, I mailed a check for payment to  XXXX  Texas address but payment was not applied to my checking account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: IL
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:
Going over my consumer report I have notice you are reporting XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX on my report. 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to take off fraud alerts from all three bureaus and have had trouble, I want all fraud alerts and statements deleted from all three of my credit bureaus

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 2022-08-26
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: Information belongs to someone else

Complaint:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

Company response to consumer: Closed with explanation