BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA XXXXction 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: IL
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:
Experian, XXXX, and XXXX are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving XXXX and I believe I have been affected.

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 2022-12-07
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. They are reporting incorrectly on all three reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent Activity XXXX. XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX ( Finance ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX ( Bank ) ( XXXX XXXX ) XXXX XXXX XXXX ( Bank ) ( XXXX XXXX ) I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 I noticed that there were fraudulent purchases on my credit card statement. 

On that day, I called my credit card company, TD Bank Card Services, and notified them of all of the fraudulent purchases. There were 4 fraudulent purchases, totaling {$850.00}. 

The 4 fraudulent purchases were : 1. XX/XX/22 - XXXX XXXX XXXX- {$440.00} 2. XX/XX/22 - XXXXXXXX XXXX XXXX XXXX {$130.00} 3. XX/XX/22 - XXXX XXXX - {$110.00} 4. XX/XX/22 - XXXX XXXXXXXX XXXX XXXXXXXX- {$150.00} The credit card company confirmed on the phone that there would be an investigation that could take up to 90 days to resolve and that they would send a letter via mail, which we never received. 

The credit card company did not issue a provisional credit, so the debt has accrued monthly interest in the amounts of : 1. {$12.00} ( XXXX ) XXXX. {$14.00} ( XXXX ) The customer service has not provided provisional credit, or even notification by mail. When contacted via phone, their customer service sends you in a loop. Calling " TD Credit Card Services '' the representative will simply transfer the call to the " Fraud Dept., '' who claim that they can not provide any service or resolution but they will transfer you back to " TD Credit Card Services. '' This is Kafka-esque. 

The phone numbers we have called : 1. XXXX ( This number is now disconnected ) 2. XXXX press 5 ( General Customer Service ) 3. XXXX ( Fraud Dept ) We were told after calling monthly to " wait 90 days for resolution. '' It's been 94 days, over 10 hours on the phone with their customer service, and we still have the fraudulent debt and accrued interest. 

We asked simply for provisional credit ( from multiple customer service representatives ) and they would simply offer to transfer our call again ( in a loop ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a notice explaining that I had funds in this account, however my name was spelled wrong and I could not receive the documents.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: AL
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 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

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 2022-12-10
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Law Office of Steven A. Booska
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A man by the name of XXXX XXXX XXXX was granted a default judgement against me for a XXXX XXXX that I never took out. The person who did take it out is dead, is not related to me and has no ties to my family. XXXX XXXX has been trying to sue me for 10 years but was never successful because I was always able to intercept the summons. This time he didnt serve me and I was unaware of the court hearing and now subsequent default judgement against me that has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been contacting Wells Fargo for at least 6 months about this problem. Someone else with my last name is using my address to get a credit card and is now applying for a loan. I asked Wells Fargo a dozen times to fix the address. I even found his real address online and told them. They said they can't fix the address. What???? Their best advice - their only advice- was to mark his envelopes " return to sender. '' I did that - and now he's taking out a loan. Wells Fargo said - after XXXX hours straight on the phone by XXXX of us using different phones - that it could only be fixed by a branch. I went to XXXX branches. All of them said they couldn't help. I complained again. Wells Fargo wrote me and said : As far as we know he's not using your social security number. Then how come he's using my address to get a loan now? I warned Wells Fargo months ago that he was just slowly escalating into my credit. They found the time to reply with a XXXX page single spaced letter about how they couldn't fix the address. What??? Wells Fargo has to be the XXXX XXXX XXXX XXXX XXXX bank in the world.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Convergent Resources, 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 received a collection mark on my XXXX credit file from Convergent Outsourcing for {$390.00}. I sent Convergent Outsourcing a debt verification letter via US mail. This letter requested documentation of proof of debt, a copy of the original written agreement between the parties signed by me, a bill of sale or any documentation proving I have a legal responsibility to Convergent Outsourcing. They were not able to provide such documentation. 

Convergent Outsourcing sent me a copy of what appears to be bill from XXXX. The did not provide me any documentation with my signature or proving I have a legal responsibility to Convergent Outsourcing. 

On XX/XX/22 I responded to Convergent Outsourcing that they did not provided sufficient proof of debt and to remove the collection from all credit reporting agencies or be in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Fraud and Defamation of Character. 

I opened a dispute on XXXX Credit Bureau regarding this collection, sharing all the information I requested and the legal requirements Convergent Outsourcing needed to provide for proof of debt ownership and validation. Since convergent is not able to provide the legal documentation, XXXX is required by law to remove the collection from my credit file. XXXX has not removed the collection from my file

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 2022-09-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-30
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions. 

Credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S.C.1681 Section 602 A States I have a right to privacy. 

According to 15 U.S.C 1681 Section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 

According to 15U.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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: TX
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: CarMax, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My vehicle was stolen at the end of XX/XX/2022, as a result of this it was abandoned and totaled. Ive gotten a police report for auto theft, I had full coverage insurance plus XXXX insurance. Ive notified the lender ( Carmax Auto Finance ) no one helped me and my claims were denied leaving me with debt I can not afford as well as no transportation. XXXX insurance did an appraisal via email/pictures. No one physically came out to inspect my vehicle. Ive gotten a separate appraisal stating it was total as well as XXXX separate repair shops stating my car was totaled. My insurance company did want to accommodate me and Carmax told me it wasnt totaled without seeing my vehicle as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a number 3. You ( XXXX, Transunion, XXXX ) assumed this role without permission. Not only that, you did not have my consent, you guys did not respect my right to privacy which is under 15 USC 1681a number 4. You did not exercise your grave responsibility. You were unfair and you were partial. I have already taken the liberty to file a CFPB report and an Attorney Generals complaint. You never had permissible purpose under 15 USC 1681b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What Im demanding is that you delete inaccurate information such as ALL inquirys and XXXX XXXX account it says the account was charged off in XXXX. 90 days late in XXXX and closed in XXXX. How can that be? The entire account is inaccurate, on XXXX, Transunion, and XXXX and has been for 2 years and has caused me serious harm. See attachments as proof. 

( 2 ) The term serious harm means any harm, whether physical or nonphysical, including psychological, financial, or reputational harm, that is sufficiently serious, under all the surrounding circumstances, to compel a reasonable person of the same background and in the same circumstances to perform or to continue performing labor or services in order to avoid incurring that harm.

Source : 18 USC 1589 ( c ) ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports |

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: GA
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 with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We opened a new Checking account at Chase Bank at Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX There was a promotion that would give us {$750.00} if we completed all the required steps. 

We completed all the steps. Chase bank closed our account instead of paying us {$750.00}.

Company response to consumer: Closed with explanation