BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: DE
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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2023-06-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX XXXX ( 2 Accounts with them ) Account Number that shown XXXX Account 1 Opened XX/XX/XXXX and amount is {$470.00} Account 2 Opened XX/XX/XXXX and amount is {$1000.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
Company did not respond in 30 days in fact, company has not responded in 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I would like to clarify my question and concern due to happening by the cultural difference. I have received a credit report ( # XXXX ) dating XX/XX/XXXX of XXXX  from your company, Experian after the notification of FTC Identity Theft report ( # XXXX ). Besides it, I have received a credit report by email on XX/XX/XXXX of XXXX  ( report # XXXX ), which I made the disputes regarding my name, address, spouse name, and statement. After then, I have received the emails twice. The first one was on XX/XX/XXXX, on this dispute ID 2, the spouses name XXXX was deleted. The second one, which date was unsure unfortunately, the dispute ID 3 showed the deletion of telephone number. On XX/XX/XXXX, when I received the hard copy of report ( # XXXX ), I received another report ( # XXXX ), which indicated the deletion of my name and residence with dispute ID 1. Both reports XXXX XXXX had the section Personal Statement. However, the hard copy ( # XXXX ) did not have this Personal Statement, which states : ID security alert/active duty alert : fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. I am currently on active military duty, do not extend credit without first verifying the identity of the applicant. I can be reached at. This alert will be maintained on file for 1 year beginning XXXX. 

Since I am not on duty of the American Military, I never request your company the alert in this format. Anyway, I am a XXXX XXXX  ; therefore, I do not think I am qualifying for the American military. I just want to know why this statement is in the reports XXXX and XXXX. And I just want to know why there are so many report numbers to my credit report, which I try to understand the cultural difference. Most likely, in XXXX, we prefer to organize in one report number. 

Sincerely,

Company response to consumer: In progress
Consumer complaint received 2023-07-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt you bought from XXXX XXXX is part of XXXXXXXX XXXX. Case No. 22-1936, Civil Action No. 22-cv-10501. XXXX XXXX had no right to sell the debt to you and you have no right to attempt collection. Return the debt to XXXX XXXX immediately and stop contacting me. I will seek compensation for the harassment I've endured as part of the settlement process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Investigation took more than 30 days

Complaint:
ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING

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 2023-10-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account was hacked by someone who stole {$16000.00} over the course of 7 months from my business checking account at XXXX XXXX. Wells Fargo is the originating bank. Their client is XXXX, which is where my money was transferred to. I have filed an incident report with XXXX XXXX Sheriffs Department. Below is the list of dates & amounts taken from my account. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-26
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went on XXXX to buy a moped, I used Affirm and had a total loan amount to pay of around XXXX less than XXXX, within 4 months of the purchase i had problems with the product due to the seller not sending over the Full product, I contacted XXXX straight away to ask for a refund due to me not having the proper item to have " OwnerShip '' of the product due to the seller not sending over said papers, XXXX granted the refund SEVERAL TIMES only for me to be told that Affirm didn't receive it, this has been going on for over half a year, Affirm is messing with my credit, my XXXX Account, and refuses to grant me my refund which was given to them by XXXX. ontop of all of that on XX/XX/XXXX a employee of Affirm told me that i would receive my refund only to be denied later like why. I've also given Proof to this company about the refund and they still refuse to honor it. they keep saying about this 60 day policy but they caused the time frame to be way past it cause they kept telling me nah we didn't receive it call XXXX to waste time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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: Their investigation did not fix an error on your report

Complaint:
Equifax has closed all my disputes I filed with them and there are at least 28 fraudulent accounts on my credit report and I have send them FTC report by mail and they denied all of my disputes and told me all of these accounts belong to me .. Im a victim of fraud and they are not doing there job to protect me and fixing my credit report and not removing anything at all the following accounts that are fraud is 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 dispute this over and over and Equifax is denying all of them within days super fast I send them police reports and FTC reports they are doing nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

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 2023-02-07
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt when I left the XXXX XXXX XXXX and I showed them proof when I received a phone call from them and they said they will get back with me and never got in contact with me just put me in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing.

Company response to consumer: In progress
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I firmly believe that this limitation has been imposed in error, as I have always strived to adhere to PayPal 's policies and guidelines. 

I want to emphasize that I have not knowingly or intentionally violated any PayPal policies. Using PayPal for various transactions, I have consistently ensured compliance with your terms and conditions. This limitation has caused significant inconvenience, both personally and professionally, as PayPal plays an integral role in my financial activities. 

I kindly request that you re-investigate my case thoroughly and consider lifting the permanent limitation on my account. It is my sincere hope that, upon review, you will find no valid reason to continue the limitation, and my access to PayPal services can be restored. 

I greatly appreciate your prompt attention to this matter and your commitment to ensuring fair and just resolutions. I kindly request that you keep me updated on the progress of this review. Please do not hesitate to contact me at XXXX if you require any additional information or clarification from my end. 

Thank you for your time and understanding. I look forward to a positive resolution and the restoration of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The monthly payment for my mortgage suddenly increased dramatically ; making it impossible for me to keep making payments. The lender has not given me the chance to fix the default on my mortgage. It is like the bank rathers foreclose my home than pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: HYUNDAI CAPITAL AMERICA
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:
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-02-07
Company: Global Lending Services LLC
State: MI
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:
The companies advertised online no credit check then the following day there are hard inquiries on my credit report. I am in the process of trying to get financing for a vehicle. These hard inquiries will have a negative impact on my scoring when I apply for the car. I am not really familiar with this process ( I have never leased or financed a vehicle before ). To lure people to their websites advertising we can help no effect to your credit and then its a hard pull ( not a soft ) is ridiculous. FYI : only the XXXX XXXX XXXX had my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I notified the credit bureaus that I am a victim of identity theft XXXX XXXX account showing is not my account, I had nothing to do with it and I did not open this 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
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:
On or around XX/XX/2023 received a letter from Eastern XXXX System # XXXX requesting verification/ validation of original application/agreement no reply disputed with XXXX XXXX XXXX account came back verified/FCRA requirements meet how is this when collection agency didnt respond to my letter XXXX is reporting inaccurate, incomplete an non verified information on my consumer report I thought everything is supposed to be 100 % percent accurate this is a direct violation of XXXX regulations, my consumer rights under the FCRA an FDCPA 15 USC 1692a ( a ) without consent of consumer/court jurisdiction a debt collector may not communicate with a consumer in regards to any debt 15 USC1692 ( e ) ( 8 ) failure to communicate debt is disputed 15 USC 1692g ( 4 ) notice of debt content FCRA 15 USC 1681b permissable purpose 15 USC 1681c ( a ) ( 4 ) information excluded from consumer reports 15 USC 1681e Accuracy of report 15 1681s-2 ( A ) ( B ) reporting with actual knowledge of errors an after notice of confirmation of errors

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hard inquiries on my account have been sitting on my account and I have no idea why?

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