BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY has been asked to identify who they are, there is no current contract or previous contract or any business agreement with this company, when ask to verify they refused, please require them according to the law to cease and desist, form contacting private property unless they can show a contract that is made or my property made with them. 
The name XXXX XXXX is own and control by a XXXX XXXX and unless they have been given, authority to contact the owner. Please cease and desist from contacting. 
Supported by the Privacy Act of 1974. 


Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: DC
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 am a victim of identity theft Due the this issue of fraudulent information on my equifax report I am not unable to utilize the website to freeze my credit report. 

I have been denied a right to free credit report due to the fraudulent information on my credit report I believe are purchases, from XXXX  to present of leased vehicles, vehicle tags in my name and banking account that I do not recognize in my name I have never owned a drivers license in my life I have never owned a vehicle in my life. I am have been considered XXXX / XXXX XXXX  for the past 32 years I am legally XXXX and I am not employed have not been employed for the past 32 years I am considered a XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: AK
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681, I would like to make a formal complaint about the follow items on my credit report that Equifax is violating my rights and violating the Fair Credit Reporting Act. Equifax is governed by 15 USC 1681, they have violated my rights several times and I demand the accounts below be deleted immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I did not give Equifax permission to furnish these accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I would also like to add to this complaint that I did not authorize the following companies to look at nor pull my credit these inquiries are fraudulent. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please advise that these inquires need to be removed today BECAUSE i HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( XXXX ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX OPEN XXXX XXXX OPEN:7/11/2021 XXXX Orgianal creditor : XXXX  XXXX XXXX Open XX/XX/2022

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hello : Im just going through my credit report a few days ago and I saw Transunion, XXXX XXXX XXXX has all these hard inquiries some listed more than once on my report I dont know where those companies came from and I saw the date is XX/XX/2023 it was when I went in for a car purchase but I had no clue XXXX was going to just throwing my information all around and he said it would be just two or three. I saw to many to understand I was very angry and confused.

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 2023-01-24
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am currently trying to get out of my lease and buy my vehicle. The car was $ XXXX after rebate and down payment. I was told my lease buyout is $ XXXX XXXX  MONTHS after paying {$650.00} - XXXX on time payments. XXXX Dealership says my residual value on their end is $ XXXX. Thats a {$12000.00} difference that Ally is trying to XXXX me over for. I have multiple buyers wanting my vehicle and all I want is to get out of a lease and into a vehicle thats more sustainable. I will never work with Ally again.

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 2023-02-10
Company: CashMax LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call from XXXXXXXX XXXX Ph # ( XXXX ) stating I have an outstanding lean against me for a loan with Boost Finance. I have never heard of Boost Finance before. They provided me with all of my accurate SS #, Phone # and address which is really concerning to me. I was re-directed from XXXX to XXXX XXXX Ph # ( XXXX ). They stated I needed to contact XXXX to resolve this matter. XXXX XXXX did give me Boost Finance 's Ph # ( XXXX ). I then called Boost, but I am not able to get to a representative. 

I fear someone stole my information and took out a loan with this company fraudulently. Now I can't get ahold of anyone to get proof of signature or resolve the matter.

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 2023-01-24
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XXXX XXXX XXXXXXXX I disputed a collection notice received from Collection Bureau of America. The dispute was over XXXX XXXXXXXX XXXX delivery/services in XXXX that were not as advertised and I refused to accept the delivery. The original date of purchase listed was XX/XX/XXXX ( listed as XXXX XXXX Complaint in attached ). Since then I have received repeated notices stating that I owe different amounts, citing different addresses and different companies ( XXXXXXXX XXXX XXXX XXXX XXXX ). I also disputed this with the credit bureaus ( listed as Credit Letter Dispute in the attached ), however I have yet to receive a copy of an agreement or contract with my physical signature on it to prove that the debt is mine. I also don't know what the charges are for as the breakdown is extremely vague in the most recent notice I received. Further, the most recent notice ( listed as XXXX XXXX XXXX dispute in the attached ) shows a new date of service ( XXXX vs. XXXX ) from the original and a different service address, plus a new account number. I believe that this information is being changed to make the debt more " current '' and keep it on my credit file and pressure me into paying a debt that is not mine. The trade line also lists Collection Bureau of America as an Attorney which is not accurate ( XXXX XXXX XXXX ). Lastly, the most recent notice cites a Florida service address beginning in XXXX and going through XXXX, however my husband is a XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX I was living in with him at his duty station in XXXX NJ. How could I have water service in Florida?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My husband and I recently decided that we wanted to purchase a home and knew we needed to pull copies of our credit report before starting. We both noticed items on our reports that shouldnt be there. We did our due diligence and researched consumer laws and our rights under the Fair Credit Reporting before starting. We mailed our disputes to XXXX, Transunion and XXXX. Our dispute letters both included our Drivers License and an Identifying piece of mail with our current address. Weve both recently received letters from Transunion stating that they will stop ANY efforts in addressing our disputes because they didnt think the letters came from us. Im an educated, professional African American woman who works in the medical field. What was it about me or my letter that would make them think Im incapable of writing it? Especially after including 2 forms of identification with my letter. Its obvious that they are clearly trying to discourage us from moving forward. I have no choice but to believe that after seeing a photo of me this is racially motivated. I understand my rights under The Fair Credit Reporting Act and know its their job to ensure what they report about me is accurate and fair. Stalling and hindering me from disputing is a direct violation of my rights. Im filing this complaint to bring attention to others about what Transunion is doing. We are considering a lawsuit next.

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 2023-02-10
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, My mortgage lender, Mr Cooper, cashed my XXXX mortgage payment. They are saying they can't find the payment. 
I have been in contact with Mr. Cooper since mid XXXX to get this straightened out and they have been stalling. Today, XXXX XXXX, 2023, they are again saying I have to pay XXXX again because they can't find what they did with the payment. 
I have submitted copy of cancelled check and bank statement showing payment from my account for XXXX mortgage payment and received by Mr. Cooper. 
They are refusing to credit my mortgage payment and are telling me I have to pay it again. The proof of payment has been submitted from my bank and they are refusing to accept it. I have all copies of cancelled check and bank statements which came directly from XXXX. 
I have attached a copy of the check from XXXX bank but I am not able to attach the bank statement. It's telling me the file is too big. 
Please let me know if you need more information. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-05-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am going through financial difficulties and am struggling to pay my credit card bills. Most companies put me on a financial hardship program which lowers my monthly payments & interest. 
However, barclaycard, refuses to do so and harass me repeatedly by calling me over 20 times a week, at all times of the day. I have screenshots of my call logs and I will list the dates below as well Phone numbers called from : XXXX XXXX Saturday XXXX XXXX XXXX calls Friday XXXX XXXX XXXX calls Thursday XXXX XXXX XXXX calls Wednsday XX/XX/XXXX - XXXX calls Tuesday XXXX XXXX XXXX calls Monday XX/XX/XXXX - XXXX calls XXXX XXXX XXXX calls

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 2023-02-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
3 store credit cards Ikea, XXXX, XXXX All taken out in my name. One has a balance of XXXX. That is the only balance I know of right now. All 3 are financed by comenity. Charges were from Kentucky.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-10
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This morning, XX/XX/2023, I received an email from Marcus by Goldman Sachs, that my GM business card account has been closed. I did not ask for the account to be closed, and to my knowledge, I did not violate any terms of the card account or rewards program. So I called them to ask why my account was closed because the email they sent me gave no reason. They did not provide me with a reason. They said they would investigate the account closure and get back to me. Six hours later I read an email from them saying that the account was closed properly, again without explanation why. So I called again and asked for further information. They would not give me a reason why. I have accumulated over {$17000.00} of rewards that are good towards the purchase of a GM vehicle. Now, with the account closed by them, it looks as though all my accumulated, unused rewards are forfeited. I had no plans or intentions of redeeming those rewards within the next few months. I don't understand why my account was closed, and they would not provide me with a reason why it was closed... neither by email nor in the phone conversations I had with about six or seven different people there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NJ
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 sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

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

Company response to consumer: Closed with explanation