BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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:
" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' Equifax indicates that my personal data was impacted by the breach that occurred around XX/XX/XXXX, but that customers were not notified until XXXX XXXX. 

Equifax has mishandled the data and the response to the breach allowing my personal credit score, identity, digital identity and financial future to be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-08-29
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My bill is only 5 days late, and in those 5 days XXXX has been calling me non stop. I received at least XXXX calls a day in the last 3 days alone. 

I spoke with a representative XXXX on XXXX/XXXX/XXXX at XXXX and advised her to stop calling me and to notate my account that I do not want anymore calls. 

Since that time I received another call at XXXX. The next day, XXXX/XXXX/XXXX I received a call at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: MT
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 : //www.ftc.gov 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

According to FCRA Section 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 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 2021-04-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/XXXX I contacted TD bank ( XXXX ) at XXXX XXXX to report that my home had been burglarized and that among other items, my wallet was taken and that I needed to cancel both my debit and credit card. While on the phone with the customer service agent, I informed them that the ATM withdrawals that had occurred overnight were not authorized by me. I also asked the customer service agent for any and all information about where and when the transactions were made, as the police were currently processing my home as a crime scene and needed as much information as possible ( a vehicle was also stolen, so this was not simply a case of petty theft ). The agent provided as much information as possible and informed me that before I could file a fraud claim, I would have to allow the transactions to " post '' and then call back. In addition to my debit and credit cards with TD bank, my wallet contained personal information such as my SSN, birthdate, address, health insurance information, etc. I completed a victim disposition, and was given a police report to bring with me when I called TD bank for the fraud claim. On XX/XX/XXXX, I visited a TD bank in person and explained the entire situation in person to a customer service agent who was by then able to file a fraud claim. I provided the copy of the police report to prove its validity. TD sent me a letter on XX/XX/XXXX stating that because the fraudulent transactions were made using a PIN ( confidential information ) that my claim was denied. However, my PIN is a combination of my SSN/birth date and the fraudster was able to guess it since he had all of my personal information available to him. There is video surveillance of the fraudster attempting my pin multiple times at the original ATM terminal before getting it correct. This is not a case of irresponsibility OR guilt by the bank 's client ( myself ), who entrusted the bank to securely hold funds. This is a case of a criminal breaking into a locked home, ascending a flight of stairs, and burglarizing my home while I was asleep, unaware in another room. The bank is not upholding its simple duty to its customer, who is a local XXXX XXXX and can not afford to be denied access to {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: The LGM Co., Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX XXXX secured me a loan thru LGM auto finance to purchase a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was given 2 different 30 day tags from XXXX XXXX XXXX because I could not get tags thru the ohio XXXX since the car I purchased still had not been registered with the state of ohio. Even tho it is suppose to be within 45 days I believe. I continued to male payments and try to work out tghe problem because I wanted the car. After making payments for about 6 months and not driving the car for about 4 months ( because the car was still not registered and I could not get tags ), I informed LGM I would no longer be making payments for the car until I could get tags and to discontinue automatic debit of my payments. LGM then ran {$100.00} dollar payments thru my checking account until they were unable to. Lgm then ran {$50.00} payments thru my checking account until they were unable to. After they were done running payments, I had {$3.00} and some change left in my account. I contacted my bank and stopped them from accessing my account again but could not recover the money. I had no money. Could not use my car. And eventually had to file bankruptcy to get out of the car loan. After the bankruptcy was discharged, the car was eventually repossessed. Since it has been repossessed on XX/XX/XXXX, my personal property inside the vehicle has been held for ransom. I have contacted LGM and XXXX XXXX multiple times to recover my property. Neither company will return my property unless I pay them {$50.00}. On XX/XX/XXXX I was sent an email from XXXX XXXX stating I have to pay {$50.00} for my personal items for storage. I contacted XXXX on XX/XX/XXXX, the same day the car was repossessed to pick up my items. I was told that day ( XX/XX/XXXX ) I had to pay {$50.00} to get my things. If I was allowed to retrieve my items on XX/XX/XXXX, there would have been no need for storage or a storage fee but I was denied access to my personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My mortgage was sold b y Wells Fargo t o this company.  XXXX  states that  my 1st p ayment was due  XXXX   XXXX  when my loan was n't acquired by them till  XXXX   XXXX .  Wells Fargo  was deducting the money from my checking account bi-weekly.  Wells Fargo  shows that they forwa rded the one p ayment that they took to  XXXX . I have spoken to multiple people at  XXXX  asking why my funds have n't been credited to my account. They claim they never received them fro m Wells Fargo . I fax them proof and they just state they are looking into it. This has been going on since  XXXX . It is now  XXXX . I have spoken to at leas t 20 p eople and no one can come up with an explanation as to where my money has gone. When you google their name this has happened to many other people as well. I want to know how I can owe them money due  XXXX   XXXX  when they did n't purchase my loan till the  XXXX , where my money has gone  that Wells Fargo  states they forwarded to them, and finally they say I ca n't do bi-weekly payments because of the terms of my loan when  Wells Fargo  was doing them. They have lied to me repeatedly. They have not credit my money to my account that was giving to them by  Wells Fargo  since  XXXX . This is horrible that a company can do this to you and you have no choice or say because your loan was sold to them.

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 2017-04-20
Company: VERITAS FUNDING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan through Veritas lending in  XXXX , Utah. Half -way through the process, the loan officer could not answer certain questions about how much I would need to pay out of pocket at home closing, and so I switched lenders. Veritas, who was the preferred vendor for  XXXX   XXXX  construction, then increased my building costs by {$1400.00}. The told me because I went with another lender, I did not qualify for certain discounts. However, the discounts were never explained beforehand, and I was never given a choice. I feel that both Veritas and  XXXX   XXXX  should have explained the discounts up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection is for an early termination fee for cell phone service from  XXXX   XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the  Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by  XXXX   XXXX .  1  ) I was a long standing customer of  XXXX   XXXX  and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with  XXXX   XXXX  therefore an early termination fee would not app ly. 3 ) I  contacted  XXXX   XXXX  in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting another CFPB complaint today to request the Credit Bureaus to remove the accounts and information that resulted due to identity theft. After receiving an updated copy of my Credit report, I immediately noticed that the previously disputed fraudulent items are still reporting on my Credit Report despite the numerous dispute letters I have been sending to the Credit Bureaus. I have read that under the FCRA section 605b, the Credit Reporting agencies are required to remove the accounts and information that the consumer identified as item resulting to identity theft. The letter I sent on XX/XX/2022 has complete attachments of my personal identifying documents, the ID THEFT REPORT I received from the FTC as well the FCRA section 605b. I am requesting the Credit Bureaus to remove the following items completely from my Credit Report 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 Balance : {$390.00}. If the Credit Bureaus claim that the items in dispute belong under my name, I need the Credit Bureaus to provide me copies of proof of verification.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-03-14
Company: WELLS FARGO & COMPANY
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:
Hello and first thank you so much for helping assist me with this matter. 

XX/XX/2017 Was what I believe was the 2nd or 3rd time I challenged this which I have the certified receipt when I mailed them the letter about this matter. 

It was for the credit card that was {$300.00} that I PAID OFF IN FULL I have truly tried for months to have Wells Fargo correct the status of this credit card from Late to Paid or Paid Charged off ... =- ( the other 2 bureaus completely removed it from my credit. However they are still reporting it on my XXXX as a derogatory remark and its causing me to be denied over and over again. Its hurting my heart! I really am trying to get this taken care of.my credit that I may take out a loan to start my new start up that I am working on. However this has been for months which I have letters of them saying I paid it off and to send that letter to XXXX which I have done sent them a copy to have them remove the comment from Late to Paid, I also have sent XXXX   letters in the form of challenging the remark and they come back to say its correct which I am 100 % sure it is not. I admit when I was in my 20s I did a bad job keeping up with the account after loosing my job with XXXX. None the less I took responsibility and paid it off last year yet they keep reporting that it is Late when it is Paid off!! If you can see my payment history it is 100 % on all 3 credit bureaus. 

I humbly am asking that someone please help me get them to either remove the file all together off my XXXX credit report or Please say its Paid and or closed =- ( I done this challenge process maybe 3 times with them from XXXX as well as them ( Wells Fargo ) directly.

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