BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Ready Capital Corporation
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:
A XXXXXXXX XXXX  processed by ReadyCapital has been reported as delinquent to XXXX, after I filed a complaint with the XXXX XXXX XXXX because the loan name is not my name. It looked like a fraudulent transaction between some loan processor and ReadyCapital, under the label of XXXX. I requested XXXX to fix it, but XXXX said that only ReadyCapital can do it. Despites of letters, and many calls that were never answered the problem persists. Even the XXXX XXXX of XXXX did not answer my complaint. I do not know many cases are like this, but this is affecting my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear CFPB officer, I recently made a wire transfer from my Chase business account to a 3rd party using an account at XXXX  The {$2000.00} that I wired has been missing although it was sent more than a week ago. I tried to ask Chase if they can help and all they are telling me is that they have made the wire transfer. I also tried to withdraw the wire and I received no response from Chase. The 3rd party that I sent the money contacted XXXX  customer service and they keep saying that they can not locate the funds. The money has practically evaporated within the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft, mainly by an unknown person in the XXXX area. This has been going on for FIVE years now. She applied for an apartment at XXXX XXXX XXXX XXXXXX/XX/2023. Somehow her application fees hit my credit report even though my credit is frozen so there is no way this application was able to be processed in my name and why the apartment failed collect her app fees up front. Furthermore, why did they pin her application fees to my social security number given by her when she couldnt unfreeze my credit for then to properly process. Negligent. Red flag.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed n I tried everything to save my house well they for closed plus he had a XXXX XXXX life insurance on it I never received. They told me my name wasnt on house my husbands name was XXXX I even tried filing bankruptcys

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-04-24
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it May Concern, I am reporting two incidents of identity theft involving myself. On XX/XX/XXXX, I noticed a XXXX XXXX XXXX XXXX account attached to my XXXX credit report. I contacted XXXX XXXX XXXX  various times from XX/XX/XXXX - XX/XX/XXXX in attempt to dispute this fraudulent account. 

On XX/XX/XXXX, a closed XXXX XXXX account with five late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was added onto my XXXX credit report. 

Ive had a XXXX XXXX account for a long time and have always made monthly payments on time. The fraudulent XXXX XXXX had directly impacted my personal and professional life which has caused me a significant amount of stress and XXXX. The fraudulent XXXX XXXX account has XXXX  late payments with red late payment showing on my credit report. I have attached documents of my accurate XXXX XXXX account as well as on time monthly payments with green checked marks for reference. 

During XX/XX/XXXX - XX/XX/XXXX, I spoke with several differenXXXX XXXX XXXX XXXX representatives during this time frame. Each XXXX XXXX XXXX  representative I spoke with told me different solutions regarding my situation or hung up the phone on me. I throughly explained my situation and being victim of identity theft. For example, in XX/XX/XXXX, one representative assured me he would be taking the account off my XXXX credit report and that I would not be charged anything and no further actions would need to be taken on my part. Yet again, another representative promised to me that the account and debt would be taken off my credit report and no further steps on my part would be necessary. After several months and various attempts to resolve the situation, I escalated the situation to an higher up XXXX XXXX XXXX employee who could not help me either : Around XXXX, I noticed a new fraudulent error on my credit report. That fraudulent error being a {$910.00} XXXX XXXX XXXX balance in was sent to Credence Collections. On XX/XX/XXXX, I disputed this fraudulent debt from XXXX XXXX XXXX for the XXXX  time and XXXX finally removed the {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors from my credit report. However, in XX/XX/XXXX, a new {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors was added on my credit report again after XXXX removed it the first time on XX/XX/XXXX. On XX/XX/XXXX, I disputed this fraudulent account once again by contacting the XXXX disputes department. 

Due to this situation, my overall credit score has significantly decreased which has directly impacted my personal and professional life. This has been an ongoing traumatic situation for myself. I do not know what to do at this point to resolve this as this has been an ongoing issue since XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TD BANK US HOLDING COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We received a Fraudulent e-mail which was imposing as an employee asking to Pay an Invoice. The money was wired on XXXX. We just realized it was a scam as the employee never requested the Invoice be paid, and the e-mail trail would not allow a reply to be sent. 
{$28000.00} was wired to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX email XXXX ( XXXX ) XXXX TD Bank XXXX : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: AZ
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:
The credit bureaus stated my account was properly investigated but how is that possible is the dates is inaccurate and the date last reported is not accurate. this is grounds for removal they also violated my rights under law.

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. States a consumer reporting agency can not furnish a account without my written instructions. 

The accounts in question is XXXX XXXX XXXX account # XXXX ... Also XXXX account XXXX ... Also XXXX  account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: REGIONS FINANCIAL CORPORATION
State: MD
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:
I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my XXXX XXXX credit report. My credit score dropped from 85 to 16 because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX  Balance : {$2500.00}, XXXX - XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX  Balance : {$2700.00}

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 2023-03-08
Company: Experian Information Solutions Inc.
State: GA
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:
The loan was never 30 day late. Spoke with several managers and representatives and they all stated that account balance would be updated and it would not be reported to credit bureaus as late. When it reported late I disputed with credit bureaus and sent email to company as directed by customer service reps to get this corrected. It reported correctly for 1 month and went back reported late 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 2023-04-24
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX  dealership cold called me on XX/XX/2023 and informed me that they had obtained my information from company that sells information to which they didnt give me the name of and since Im In the market for a car I told the person to let me browse their selection first and that is all. The following day I get a notification that they had done a hard pull without my consent or even knowledge. I called several times and all times I was told I the called was being transferred and no one answered and I kept being sent in a dial loop and left messages as well and they never got back to me so much for their family values and their customer service. Not only did they break a consumer law but they refuse to be of any help to fix it.All my calls were done before XXXX but for someone reason everyone was out for the day. This is extremely frustrating and upsetting because Ive spent a lot of money recovering from identity theft just for someone to be so careless, inconsiderate and non complaint with not only their mission statement but with the law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Credit Collection Services, a debt collector who has sent me a debt collection letter for a debt that does not belong to me. I have never had any dealings with this debt collector in question or owed any such debt, I don't know how they even obtained my personal information and I am concerned about the impact this may have on my credit score. Despite my attempts to contact Credit Collection Services to rectify this issue, they have not been responsive, and I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the CFPB investigate this matter and take appropriate action against Credit Collection Services. Thank you for your attention to this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: I.C. System, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Couldnt verify original contract with my wet signature, payment history they couldnt supply me with and proof of ownership

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 2023-02-23
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please have the following items removed as soon as possible : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please comply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed from my creit File as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights : XXXX XXXX Account XXXX XXXX  AND Account 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 : States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Affirm Holdings, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: GOLDMAN SACHS BANK USA
State: MD
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 will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: ALLY FINANCIAL INC.
State: VA
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 contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.

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