BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-05-20
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: Problem with personal statement of dispute

Complaint:
I have submitted several requests about my addresses are incorrect. I have submitted several requests for them to remove medical collections as well as collections less than a {$100.00}. These requests are in vain. I have only lived at 2 addresses in the last 20 years and they are reporting on addresses that are incorrect. The information they are reporting from Collection Agencies which bought the debt is against FCRA guidelines. I wish to have these Collection Agencies removed from my Credit Reports. Lastly, they are all reporting different scores as well as different information. My XXXX report states the higher higher number and XXXX and Transunion is 3-5 points lower.

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 2023-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate payment history was reported by XXXX XXXX. It all began when I requested a credit report and I discover that XXXX XXXX  reported 30 days late on my credit report, I immediately called XXXX XXXX  to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, discover the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, XXXX, and Equifax several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to discover bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Since XX/XX/2023 the lender has disregarded my request for cancellation of automatic payments {$220.00} and this created a financial hardship.

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 2023-08-28
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( 1 ) XXXX XXXXXXXX ... hard inquiry on XX/XX/2023 ( 2 ) XXXX XXXX ... hard inquiry on XX/XX/2023 There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Capital One checking account on XX/XX/2023 with a promotional code for {$350.00}. They put my application in a pending state and sent me an email to call them to finish the application on XX/XX/XXXX. I called on XX/XX/XXXX and they would no longer offer the {$350.00}. I think that they intentionally stalled out the application to avoid having to pay the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
A fraudulent Group of 3 Hard Inquiries was sent to me via a fraud alert from my XXXX XXXX XXXX. I had received notificatio from Equifax before that both XXXX XXXX had inquiries were being deleted .... they are still there. The are the fraudulent hard inquiries : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not initiated by me and are not my accounts and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello. I write to you let inform you that a few months ago i consolidated all my credit card debt including Shop Your Way Credit. I mentioned that according to XXXX XXXX XXXX organization which is the organization that i am currently using to get relief from all my credit card debt. I did this over the phone and gave all the information needed, i talked to a representative if you have any question and i believe this conversation was recorded. For more information please contact XXXX or you can contact them @ 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 2023-08-17
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} ZXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 2023-07-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently tried to open an account with Truist Bank. I was informed that there was an account opened in XXXX and fraud committed in XXXX. I have never opened an account with them previously. I've done everything they've asked of me. They said they were sending me a fraud packet to complete. I gave them my correct address and they have refused to send it to my correct address. They sending the packet to the address they have on file. They refuse to tell me the address they have on file. They can't tell me the branch or the location that the account was opened. They gave me the number to a guy named XXXX claiming he was my investigator that I had to speak with him to Gert the paperwork sent to the correct address but that man never answered the phone or returned any of my calls or messages. I've been fighting identity theft since XXXX when XXXX XXXX opened an account with XXXX XXXX XXXX and got a home phone to her house in my name. My sister XXXX XXXX has ruined my XXXX XXXX account stealing and disputing transactions. Truist has refused to let me know anything. The only people that could be responsible for this is XXXX XXXX or XXXX 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 2023-07-22
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Returning to school and work from XXXX. Limited income school went from {$400.00} for the semester to over {$1800.00} which I didnt have so after speaking with my counselor I unenrolled from the school. Never received or completed the course work, im being billed and sent to collections dropping my XXXX score over XXXX points for something I never received, do not have access to these courses nor the credits from them to owe almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The vehicle that was purchased by a thief through Santander bank that shows on my collection owed {$5700.00} was not purchased by me. I was a victim of identity theft. I need it removed from all my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo has told me they closed my account for depositing a third party check which is not true. I deposited a check to XXXX XXXX which is one of my registered dba that I had sent my fictitious business name statement to Wells Fargo when I First opened my account. This had caused me a lot of unnecessary problems for my organization.Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: QUALITY ACCEPTANCE LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The vehicle was charged off due to Hurricane Harvey in XXXX. Per my credit report it still shows a balance. A charge off is canceled debt and considered income. Ive never received a 1099-C. This is illegal and my rights were violated 15USC 1681 s-2 & 15USC 1681 ( 1 ) ( 4 ). I would like this removed from my report immediately as this is illegal per IRS publication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: ProCollect, Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I mailed Pro Collect Inc a Cease & Desist Notice Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered to Pro Collect on XX/XX/2023 at XXXX. I demanded cease and desist of this activity as soon as possible within 15 days from their receipt of this notice. Today is XX/XX/2023 and I have not received any correspondence back from Pro Collect. This information is still reporting on my consumer credit profile. 

THIS GROUNDS FOR REMOVAL. I HAVE NOT DONE ANY BUSINESS WITH PRO COLLECT NOR DID I GIVE THEM PERMISSION TO HAVE MY INFORMATION. THIS IS IDENTITY THEFT. THEY ARE DAMAGING MY CREDIT PROFILE. FDCPA FALSE MISLEADING INFORMATION. A COLLECTION ACCOUNT CAN NOT CARRY A BALANCE.

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 2023-05-20
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I saw an ad on a trusted website ( XXXX ) looking to adopt a puppy, I applied for one and the owner contacted me the next day. The original price was {$75.00} and the puppy was a female, but when I talked to the owner he changed the price to {$120.00} and that the puppy was male. I told the owner that I didn't want to pay until I saw the puppy in person but we came to the agreement that I would pay {$50.00} upfront and the rest when I met him and the puppy. Over time he tricked me into paying another {$50.00} to the vet that was his neighbor. I talked to the vet for a while and they sounded similar and typed in a similar way, and he asked me to pay {$25.00} for his ride which was never part of the agreement. In total I ended up paying {$120.00} and when it came time to meet the puppy and the vet at the chosen meeting spot he never showed up and denied ever getting the last payment. I talked to my bank and they said that he did ( I paid through Zelle on the XXXX XXXX app ), he kept saying that I never did pay and that I needed to send another {$25.00} dollars. I told him that I wanted all my money back. Later that night he tried to call me and asked for another {$50.00} via XXXX. I have all the screenshots, I added them below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Fairway Capital Recovery, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by Fairway Capital to attempt to collect a bill I believe I do not owe. I had a procedure in an outpatient office last year and they made me pay cash up front, over {$1200.00} and a year later they started billing me a little over {$100.00} with no explanation. I do not believe I owe this amount and Fairway Capital who keeps calling me was notified about this dispute and continues to Harass me constantly. I explain several times about the situation and told them I am refusing to pay so they are wasting my time and continue to Harass me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have had an auto loan with Credit Acceptance sinceXX/XX/2019. I was XXXX at the time and didnt know any better when I got the car. They sold it to me for XXXX, but somehow by the time I signed the contract I owed {$19000.00} and now ( 4 years later ) I still owe roughly {$5000.00}. For about half a year now, I have been trying to get a new vehicle because I now realize I way overpaid for my car. I was told at the dealership, when I bought it, that in a couple years I could refinance my car, only to find out after a couple of years that Credit Acceptance doesnt refinance cars. I have had a hard time getting it refinanced through anybody else ever since. I have also tried selling and trading in my car, but everywhere I turn, I cant even get payoff for my car due to how much I overpaid for it. I am struggling making my payments and I can not get out from under this car. I am not the only person I know in my town that bought a car from these people, only to severely regret it later. I wish I wouldve had someone to guide me when I got this car, but I didnt and now 4 years later, Im still paying the consequences.

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 2022-09-14
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account/names/addresse which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}

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
Consumer complaint received 2023-07-25
Company: Easy Finance, LLC
State: MD
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 did not authorize these inquiries reported on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CL Holdings LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject t
o subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, 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 Report Act XXXX, Account : XXXX, US DEPT OF ED/ XXXX XXXX has violated my rights.

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 instructions.

I have never been applied for a US education Loan, I need this account to be investigated, this account is a fraudulent account.

Company response to consumer: Closed with explanation