BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Zions Debt Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/XXXX I received notice that I owe money to XXXX XXXX XXXX via Zions Debt Holdings. I was told that this debt was from XXXX. I told the lady that i am not aware of owing XXXX any money and suggest them send me over documentation showing me such. I have not received any paper work since. I asked what is the process in filing a fraud claim against this and they said that I have to file a report. I have looked about my records and recalled me canceling this service in XXXX. Also, I don't recall receiving any invoicing after i canceled service. Not knowing the true dates of this service i have to believe this is fraud or Identify theft. I wish this debt to be forgiven and deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
To receive my FREE ANNUAL credit report Equifax and ONLY Equifax now require ME to send them a copy of social security card and a second id Drivers license, pay stub etc.

NONE of the other companies require this only equifax PLUS I have been in my current address over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Lewis, McDonnell & Associates
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have not received requested validation information from this consumer - XXXX XXXX XXXX XXXX Account Number XXXX via mail or electronically. They are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information on 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 2023-09-06
Company: EQUIFAX, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Consumer Portfolio Services, Inc.
State: NY
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:
From XXXX this year XXXX I found unauthorized unauthorized user activity from unknown person or people. For one I was informed by Human Resources my information and sons Information XXXX XXXX was stolen as to a XXXX XXXX in another XXXX it took forever to get my benefits back for two years and no retroactive payments as my son is XXXX with XXXX XXXX. Then auto accounts came a loan addressed yo ny email and confirmed it on the XXXX website and saw all these accounts being open since XXXX til XXXX. Since all these accounts although negative have not been removed, I was denied mortgage loan through the veteran Program not. An I apply for any credit card. I have suspicion my sister has been involved because she would have such information from report the changing of my nine and mispelled addresses her name is XXXX XXXX XXXX XXXX XX/XX/XXXX and has a child XXXX XXXX XXXX husband XXXX XXXX from Florida she could be using that name as for auto loans and home loans she drives and always buys q House I dont even have a driver license or house, the only one I applied for is through military. Please lI need help bc she is very savvy i lost my mom in XXXX and I came across falsified documents taking me off as beneficiary

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
With the ongoing {$11.00} XXXX dollars settlement, being filed against TransUnion. Like the other victims, I also feel like TransUnion has been giving out inaccurate credit reports and perpetually violating my rights. I've suspect that I'm a victim of identity theft, because TransUnion didn't lock or close my account during the violation. 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 2023-09-06
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:
This account does not belong to me, I suspect someone applied without my knowledge : XXXX XXXX XXXX {$7100.00} XX/XX/2023 I was living in XXXX this whole time, I get back and noticed this was on my report. Please inform the bureaus of this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-08-22
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XXXX I purchase and receive a XXXX XXXX XXXX  financed through U.S. Auto Sales XXXX monthly payment was XXXX and XXXX Biweekly. On XXXX XXXX I receive an email from U.s Auto Sales stated effective XXXX the servicing of the account referenced above will be the servicing of the account transferred from U.S Auto Finance Inc to Westlake Portfolio Management LLCs,. On XXXX at XXXX I received welcome letter from Westlake Portfolio Management LLC I called immediately after receiving the welcome letter I ask could they provide me a updated contract from their company Westlake stated they did not have my contract and they could not provide me any copies. Per trying to obtain my contract for months I never XXXX provide one my current lienholder states US Auto Sales and not Westlake Portfolio Management which per my research is a debt collector and not a financial institution. Per my contract signed with Us. Auto Sales if I or US Auto sales may rescind the retail installment sales contracts to a financial institution which Westlake Portfolio management is a debt collector. Which means there is a breach in contract US Auto Sales went into bankruptcies in XX/XX/XXXX. Westlake is now showing up on my credit report has I have a open loan with them with no contract and also Westlake has put my car in repo status but Us Auto is still my lienholder. It so much going on and I need my car it is my way of going to work and XXXX things in life to be mistreated misused the way Us Auto Sales and Westlake are doing us I have filed a compliant with the Dmv in my regions as well as a lawsuit against both Us Auto sales and Westlake Portfolio I have attached all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Foris DAX, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2021, and XX/XX/2021, I fell victim to two multi-layered scam operations run by scammers which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo was giving me my social security check early under a two-day you know payday early thing which then they were trying to say my money was there but it wasn't and I didn't have money to cover transactions which through all my transactions off I lost my XXXX XXXX XXXX  phone service because of that you know and then somebody cloned my card and went through {$340.00} at the ATM and also spent {$1300.00} and I filed a claim with with Wells Fargo and 2 minutes after it was filed they denied it and then I filed a complaint with the corporate and they opened it and now they're dragging their feet on giving it back under regulation e and they just denied my the fraudulent ATM charge to give me that money back they initially denied the XXXX claim and then there's you know they returned my XXXX XXXX XXXX payments and I didn't have the money when I did cuz I transferred that out of savings into checking that's why I lost XXXX XXXX XXXX  charge and I just paid my gym membership cuz I'm homeless so I can take a shower on my debit card and they just sent me a note of saying that they returned it even though I use that money for my social security to pay for that this is an ongoing pattern of behavior and I'm entitled to my money back I filed numerous complaints internally with Wells Fargo it either stonewalled played games or outright refuse to give you my money back

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 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
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:
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX theft Account number XXXX XXXX identity theft Account number XXXX XXXX Identity theft Account number XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-05-14
Company: Experian Information Solutions Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experience with Experian still has several errors, addresses, phone numbers, names in my report which thru Oscar system SEC ot allows corporations to mirror my info that fleeces the Trust. Adverse claims and the constant request to obtain my assigned social security number which according to federal Laws its against the law.

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 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following credit card accounts should not be reflecting on my current credit report due to natural disaster XXXX in XXXX. During the Pandemic it was a difficult time and I struggled with illness, a death in the family due to XXXX, and financial hardship making it difficult to maintain my bills resulting in multiple late payments As you will see I have been in good standing with all of my credit until XXXX hit. Take note of the following credit card accounts reflecting late payments during the Pandemic : 1. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 2. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 3. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance $ XXXX OPEN 4. XXXX XXXX  XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XX/XX/XXXX 5. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 6. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 7. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX Balance {$0.00} - OPEN 8. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 9. XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 10. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX - Closed XX/XX/XXXX 11. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XXXX XXXX 12. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance XXXX - Closed XXXX XXXX 13. XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX Closed XXXX. XXXX 14. XXXX XXXX OPENED DATE : XXXX. XXXX, XXXX Account # XXXX Balance XXXX - Closed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Disputed identity theft account on my credit report with Experian and with a XXXX XXXX XXXX on the first week of XXXX. XX/XX/XXXX the information was blocked removed by experian and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to experian within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
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 did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top XXXX credit reporting agencies. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent Navy Federal a cease and desist, a request for debt validation, an Affidavit of Fact, and an invoice along with proof of all the Fair Debt Collection Practices Act violations. It has been 30+ days and Navy Federal has failed to validate this alleged debt, failed to pay my invoice for all the violations they have committed against me, and has only agreed to cease communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
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. 

XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX : # XXXX Ref # XXXX, has violated my rights and committed fraud on my personal information by attempting to collect a Debt that was not owed by me through the use of a third party Debt collection agency, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with the above creditor, have a credit card with them, nor have I ever done business with or owe them a financial debt. 

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 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 2023-11-08
Company: Kriya Capital, LLC
State: GA
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:
Credit of CREDENCE RESOURCE MANAGE date stated XX/XX/2023. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief