BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NY
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} and XXXX  XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.

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 2022-07-28
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, XXXX and XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX DEPARTMENT XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, XXXX DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU 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 2022-06-06
Company: Experian Information Solutions Inc.
State: TX
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:
Pursuant to 15 U.S.C 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 shall be EXCLUDED from a consumers report. The term credit card has the same meaning as in section 1602 ( l ) of this title ( 15 U.S.C ), which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress stated ANY card. The credit card is my social security card. This is the credit card that I used to originate EVERY consumer credit transaction thats been reported in my consumer file and my consumer report. 

This Letter shall also, serve as an opportunity to cure the multiple defaults of EXPERIAN in regard to my attempts to have my consumer report corrected, including but not limited to, dispute dated XX/XX/2021 sent via CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, and CFPB ( CONSUMER FINANCIAL PROTECTECTION BUREAU ) Complaint # XXXX Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), which states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, SHALL be EXCLUDED from a consumers report ; I DEMAND THE FOLLOWING INQUIRIES BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER XXXX : XXXX XXXX/XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), 15 U.S.C 1681c-2, I DEMAND THE FOLLOWING ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 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 2023-11-04
Company: Kikoff Inc.
State: MI
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:
I have never used the services of this company I am a victim of identity theft for the last 10 years and the information reported by this company under my name social security number and birth date is inaccurate and does not belong to 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 2023-11-04
Company: MOUNTAIN WEST FINANCIAL, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX This is again for the same loan with XXXX XXXX XXXX and the same issue. I made a prepayment which should have been applied to XXXX 's mortgage payment and the applied it to principal. I attempted to contact them multiple ways ( as always ) through chat, secure messaging and phone calls. I finally spoke with someone yesterday who said that she would take care of it but said that she could not get it to show up, while we were on the phone and asked me to give it XXXX hours for the website to update. It has not been a full XXXX hours but I am sure it will not be changed in the next couple hours, as this is their pattern ( they say that they are fixing something and to give them time to update ) and it is never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
LVNV FUNDING LLC INTENTIONALLY PROVIDED FALSE DATA TO THE CIVIL COURT OF THE XXXX XXXX XXXX XXXX TO PROCEED WITH A LAWSUIT. 

LVNV FUNDING LLC IS ENGAGING IN ILLEGAL ACTIVITY, FALSIFYING DATA IN REGARDS TO SERVING A SUMMONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.

Company response to consumer: In progress
Consumer complaint received 2023-12-27
Company: U.S. BANCORP
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XX/XX/2023 from an individual claiming to work at US BANK phone number XXXX asking if I was applying for another car loan in Arizona or another state. I have not ever applied for a car loan. He advised I check my XXXX. 

The next morning, I checked XXXX and saw an auto loan in the amount of XXXX dispersed and in my name as the cosigner to an individual named XXXX XXXX who I do not know. The employer and one address associated with my name are incorrect and I presume them to be " XXXX XXXX 's ''. 

I then filed an FTC identity theft report number XXXX And also a local police report incident XXXX Also a complaint on the FBI website. 

I then placed a freeze and fraud alerts with XXXX, XXXX, and XXXX and filed a dispute with XXXX about the false reporting. 

I contacted US BANK on XX/XX/2023 and spoke with their fraud department with an individual named XXXX, who said they would investigate the issue. The only thing that has happened since then from US BANK is one letter reading about a hard credit inquiry removal but nothing about removing the fraudulent reporting to the credit bureaus. In a letter from XXXX, The dispute results claimed that the lender stood by the loan claiming that is my loan. So they did not remove the information from my credit. 

Since the initial contact with US BANK the fraudulent person using my credit has missed a payment and my credit has dropped over one hundred points. The amount is now XXXX due to the late fees I presume. 

I reached back out to US BANK on XX/XX/XXXX to see what was going on and they would not help me. I spoke with XXXX people each who sent me to the next person, only to get to the last person instructing me to call the number I was already on the line with. During this series of calls, they would not verify my Identity over the phone and instructed me to visit a local branch, there is not one in my home state. I do not know the account number or anything other about the auto loan. I have never received a bill to my home address in regards to this.

I am working on writing dispute letters per the FTC guidelines to each credit agency per the FCRA 605B including copies of my credit reports, requiring the bureaus to block this false reporting. These will be certified mail.

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 2023-08-17
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:
XXXX, Experian and XXXX are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of XXXX. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX Nevada is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.

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 2023-11-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
DEPOSITED TWO CHECKS FROM MY BROTHER WITH THE BMO APP ON XX/XX/XXXX XXXX CHECK FOR {$65000.00} AND THE SECOND FOR {$75000.00} THE FUNDS WERE TO BE USED FOR BUSINESS PURCHASE, OPERATIONS, AND INVESTMENTS BMO CLEARED THE CHECKS AND FROZE THE ACCOUNT WITHOUT NOTIFICATION, AND HAVE NOT GIVEN A DATE THAT THE FUNDS WILL BE AVAILABLE.

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 2023-11-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
Wells Fargo wrongfully repossessed my car approx XX/XX/2014 I received settlement check for {$5.00} Minimum settlement for wrongful repossession was supposed to be {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These inquiries are in violation of codes XXXX XXXX as well as XXXX. I went to a dealership to authorize XXXX person to go through my credit file not ample banks/ lenders! I am unaware of these banks getting a hold of my PEROSNAL information nor have I ever signed any disclosure pertaining to " wanting my personal information publicly shared with any thrid party " inidividual ".. I am in process of filing multiple lawsuits for aggravated identity theft as, obligations with respect to disclose ts if perosnal info most importantly, permissible purposes that I clearly do not authorize .please remove my information from and stop leaking my personal info to third party individuals who are no form of actual " bureaus '' because they're no such thing as credit bureaus by government law this is all within violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Rewards program has a cash back on select stores shipped at with wells fargo and they are shorting me many a XXXX  on my stores purchases with the rewards program at wells fargo. Have not recieved many of rebates and shorted XXXX XXXX on another.

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 2023-11-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They charging me for a mortgage thats already paid for thought my trust account. I signed paperwork with XXXX XXXX  not with a 3rd party debt collection company name thats on my credit is pennymac I never signed with them.. They dont have the original documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 2023-11-07
Company: Bread Financial Holdings, Inc.
State: OH
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:
Comenity Capital placed a hard inquiry for what appears to be a Sephora account. I did not sign up for anything at Sephora, nor did I apply for a card. This inquiry happened on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Kimball, Tirey & St. John LLP
State: MS
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Vendor sent a letter to XXXXXXXX XXXX XXXXXXXX asking for about {$570.00} from XXXX. I'm wondering why so long even though this is not my debt. Going to have my wife respond via the letter as I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX has a hard inquiry that i don't recognize on Experian and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.

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: Experian Information Solutions 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 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Or list of inquiries 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 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.

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