BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: WA
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 was the victim of identity theft. I reached out to Experian to place a 90 day fraud alert on my file. They refused to initiate the alert. They wanted me to provide by certified mail a copy of my government ID and a utility bill before they would initiate the alert. I did not experience this pushback from XXXX or 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 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *****

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The XXXX XXXX account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for Transunion credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, Transunion must delete fraudulent account reporting by XXXX XXXX from my credit 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 2017-09-12
Company: On-Site Manager, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXX, I 'm trying to rent an appartment and when they check my record it 's saying that I have felonies but I 'm not the person on the record report, I 'm not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My statement period closed on XX/XX/02 and the bank did not issue a statement or deposit the interest accrued. I spent over an hour trying to get an answer from the customer service reps and received no help whatsoever

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 2017-09-12
Company: EQUIFAX, INC.
State: MA
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:
Equifax allowed my personal financial data ( along with approximately 143 million other consumers ) to be stolen by unknown attackers. 
This data includes name, social security number, date of birth, address, telephone number, driver 's license number, credit card numbers, bank information, etc ... 
I am now responsible for freezing my credit account, filing an identity theft report with my police department, contacting my bank, credit cards, insurance company, etc. to inform them of this incident. I 'll need to have passwords and pin numbers changed, I 'll have to get credit cards re-issued, I 'll have to constantly monitor credit reports and my bank accounts, and hope one of these thieves do n't try to file a tax return, take out a loan, loot bank accounts, charge to my credit cards. All this will need to be done for many years now, since getting a new social security number is not feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
we where in folcluser with wells fargo we reached an agreement through the court and a magestrate to do modification on our loan, and one of the document in our agreement was the bank will autodraft from our acct 2 times a month the payment of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX wich they never did i tried for the longuest time to get them to do it and they say yes its done and all was a lie so in XX/XX/XXXX we made a XXXX XXXX XXXX dollar. to wells fargo and 2 month later still no payment drafted so we made XXXX payment to cutch up and same in XX/XX/XXXX no payment so we had to pay over 4000 to cutch up and they allways lying to me about seting up the auto draft even with court order and 2 days ago they field for forclusor im trying to save my house and they trying to steal it they had no intention of fixing the problem i have over 300 thousand in equity in my house and they trying to steal it from me and my kids every time i talk to them i spend over 2 hours on the phone and cant get no where and i do feel they have a problem with me personaly coz i have an accent when i speak, i do feel they are discriminating against me and i been us citizen for over 30 years. i dont know what i can do i need help with these thieves. they have no respect for the law they act like they are above the law or the law does not apply to them please help me save my house.

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 2017-09-12
Company: EQUIFAX, INC.
State: CT
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 been trying for the last XXXX days ( XXXX ) to establish a security freeze on my credit file with Equifax. Their website is down, I ca n't get through to their customer service #, and the " incident '' response call center reps tell me they can not assist me with establishing the freeze, do not know what # to call at Equifax to establish the freeze, and suggest I " keep trying '' to access the downed website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 ( today ) I deposited {$420.00} into my Bluebird by American Express checking account through their partnership at XXXX. ( Through the money center, Bluebird transaction ID : XXXX ) I proceeded to buy a few grocery items while I was there and by the time I got home I received an email saying the following : " During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : D22 Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call XXXX  XXXX XXXX at XXXX. 

Thanks, The Bluebird Team '' I called their account privileges number and was told that my account is permanently closed for a return of some kind, I repeatedly asked for more information or if there was a corporate number I could call or if they could send the remaining balance to the address on the account. I was told there was nothing they could do. I can't log into my account or use my card, I can't find any more information regarding what actually happened. There was no other activity before today for at least a few weeks also. 

I called their customer service number repeatedly attempting to talk to a human being but the computer just says my account is suspended and hangs up, offering no more options. The automated email that is sent afterwards wants me to write to a PO box .

This has apparently happened to hundreds of others with the exact same issue, had I known they did this I would have never banked with them. All I would like is access to the money I just deposited today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter in the mail from XXXX XXXX XXXX saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my jaw in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions 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:
EXPERIAN CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD 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 2017-09-12
Company: EQUIFAX, INC.
State: MT
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:
Equifax Credit Reporting agency failed to protect and keep secure my personal information allowing it to fall into the hands of unknown individuals. In addition Equifax failed to notify and report the breach in a timely manner to try and mitigate damage, instead allowing their stock holders to liquidate assets before the company took a hit. 
Rather than fixing and owning up to the mistake, Equifax has created a website that is randomly generating yes no answers on whether the breach has affected you, and is offering monitoring service to keep your identity safe from Equifax itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: General Motors Financial Company, 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:
The GM FINANCIAL account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for XXXX credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, XXXX must delete fraudulent account reporting by GM Financial from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX {$190.00} XX/XX/XXXXXXXX {$300.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$10000.00} XXXX XX/XX/XXXX XXXX {$100.00} XX/XX/XXXXXXXX {$6300.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX {$1700.00}

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 2017-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Borrower took out a student loan with wells fargo - I am a co-signer for borrower 's student loan. Borrower is now living overseas. Problems with the borrower 's bank and wells fargo payment processing system leads to periodic payment lapses. When this occurs, wells fargo fails to contact the borrower and instead only contacts co-signer. This has been occurring since XXXX when the loan was in repayment status. For seven years I have been battling with increasingly higher levels of management at wells fargo student loan servicing ; they have always assured me that they CAN contact the borrower when this happens. Phone numbers and email contact for the borrower have been supplied numerous times to wells fargo. Yet this never happens and inevitability I receive a letter indicating this payment lapse. These notifications are always sent by XXXX mail to the cosigner and arrive while I 'm traveling, delaying receipt of it and corrective action. I have been further assured that calls would be made to me to speed up notification times, but to date this has never happened. Finally, 7 years later, wells fargo sends the cosigner a letter that they are not allowed to contact the borrower who is living internationally due to privacy regulations nor are they allowed to contact me via phone. Upon requesting a copy of those regulations, I 'm rebuffed and told that I need to identify those regulations myself - a ) why wells fargo are not able to contact a borrower living internationally when a payment lapse occurs, and b ) regulations preventing wells fargo from contacting co-signer by phone when borrower 's payment lapses.

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 2022-06-14
Company: EQUIFAX, INC.
State: OK
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:
i have credit card applications from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  and not sure how many more on my credit report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
i have credit card applications from XXXX, XXXXXXXX XXXX, and XXXX XXXX  and not sure how many more on my credit report that are 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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$240.00}

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 non-monetary relief