BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: NV
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 applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

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 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine.

OnXX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period.

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXXI received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature.

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX   stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: PA
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:
How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 is acquainted or who may have knowledge concerning any such items 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 also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2022-09-15
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from ERC that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

ERC Original creditor : Balance details 0 % of this account is paid off Balance {$780.00} Balance updated XX/XX/XXXX Original balance {$780.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: BB&T CORPORATION
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of 2014 I opened a Home Equity Line of Credit at BB & T in XXXX Ky. On XXXX XXXX of 2014 an Assistant Loan Officer at BB & T signed my name along with her own to a Line of Credit Advance and in turn deposited {$2000.00} into her personal checking account. On XXXX XXXX, 2014,  the same individual signed my name along with her own to a Line of Credit Advance and transferred {$3000.00} to her personal credit card account. I filed a report with the XXXX Police and the XXXX County Attorney. I also filed a complaint with the Ky Attorney General 's office. I spoke with local officials with BB & T who stated I would need to get an attorney. I recently spoke with the VP of BB & T 's Complaint Department that is supposed to be investigating the theft and getting back in touch with me. The last conversation was 2 weeks ago without any contact since.

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. Has violated my Rights. XXXX XXXX. XXXX 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: WA
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:
To Whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report Does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. A balance being reported on my Equifax consumer report is a transaction which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). Zero out the balance on the below account with 10 calendar days and mail me an updated consumer report. 

Account Number:XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Transunion ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX XXXX, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/2021 to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX XXXX that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.

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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Credit report indicates I have opened a credit report with XXXX XXXX XXXX on XXXX XXXX, 2017. I have contacted the company, both by phone and by mail and informed them that I have NOT initiated opening of an account with XXXX XXXX XXXX, not authorized anyone else to do so. And I have filed a dispute with the Credit Reporting Company ( Transunion ). The response from XXXX was " we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ''. Further attempts to contact XXXX have not been fruitful.

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 2022-02-21
Company: EQUIFAX, INC.
State: PA
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, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Equifax ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: STATE FARM BANK, FSB
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
State Farm Bank is reporting a late payment on my credit. The problem is when paymets are made or due they can be seen online. The amount due and dates are not displayed and online statements are not available. I was told " that because my loan was considered a modified loan it is not treated the same as other loans and that access is not like their other loan. My compliant is that my credit shouldn't be impacted because of the problems and access in their internal systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off my debt from the company Paypal XXXX. On XX/XX/2022 I payed the amount that has been owed to Paypal. On their half, it says that the payment has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX : XXXX, am a federally protected consumer and natural person. I have again received a notice and response from Wells Fargo that was made in noncompliance with the Cease and Desist notice as well as additional notices made prior thereof. 

As it currently stands, I have sufficient evidence and reason to believe that under direct violations of 15 USC 6801, GLBA, 15 USC 1681s-2, and other FCRA binding laws, WELLS FARGO BANK N.A . IS CONSPIRING TO COLLECT A DEBT THROUGH THE USE OF EXTORTIONATE MEANS BY FURNISHING NEGATIVE INFORMATION TO CONSUMER REPORTS AS PUNISHMENT FOR NONPAYMENT THEREOF. 

Please note the attachments, including an FTC report, Wells Fargo most recent response to me, proof of negative reports on my consumer report, and a cease and desist. 
I will continue to advocate my rights as a consumer until WELLS FARGO BANK 's fraudulent claims are corrected and billing adjustments are made to reflect the correct status of the account with proper interest being applied to the 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 explanation
Consumer complaint received 2016-11-22
Company: Check Security Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called asking family of I still drive the same car, if I was at work had same job. If they had talk to me. Call people I have n't spoke to in 20 years multiple times. XXXX and scaring them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$920.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}. Inquiry : XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Chase has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the XXXX to say otherwise needs to be reported. In addition, I 've found that CHASE has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using Amazon as a source!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: PLAZA HOME MORTGAGE, INC.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
According to XXXX XXXX XXXX XXXX ( " XXXX '' ) selling guide under " XXXX Registration '', it reads " If a lender registers a mortgage with XXXX after XXXX has purchased or securitized the loan, the lender must name XXXX as the investor during registration and notify XXXX of XXXX ownership interest in the mortgage. ( The MIN will not have been included on the Loan Schedule or Schedule of Mortgages. ) '' Go to Exhibits " A '' and " B ''. 
This is exactly what Plaza Home Mortgage, Incorporated ( " Plaza '' ) did when it registered the mortgage with XXXX in 2006 after XXXX already purchased or securitized the loan. 
Go to Exhibit " C ''. 
Yet Plaza 's employees, counsel, and attorneys have the audacity to insist that Plaza sold this same mortgaged loan to XXXX XXXX XXXX even after XXXX had already purchased or securitized the same loan when Plaza registered the mortgage with XXXX in 2006. 
But Plaza does not stop there. Plaza continues to insist that " The Plaza Mortgage and associated mortgage note was sold and record notice of the transfer is documented by that certain Assignment of Mortgage recorded in the Bureau of Conveyances of the State of Hawai'i as Document Number XXXX '' ; and that " Plaza 's Mortgage, which is secured by the Property, was transferred to XXXX XXXX XXXX, XXXX XXXX. '' ( " XXXX '' ). 
Go to Exhibit " D ''.

Company response to consumer: Closed with explanation