BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM 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. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING 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 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one bank XXXX XXXX XXXX XXXX show me late on credit report was not late it on XXXX XXXX XXXX the late need be remove thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-12
Company: PNC Bank N.A.
State: WI
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:
PNC BANK Account Number : XXXX added a derogatory mark on my credit report per XXXX, XXXX XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA PNC BANK Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-10-13
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX billed me for a unknown item and auto charged it to my XXXX XXXX, I reversed the charge. They then sent my file over to Convergent to collect the fee. Convergent has made a negative mark on my credit dropping my score nearly XXXX points. I can not contact Convergent. They do not man their phones and they do not respond to contact requests. I have called over a dozen times and theres no way to leave a message. I do not have my account number and can not pay online. Im attempting to buy a home and this has affected my credit score severely and has lowered my ability to borrow money. I would like this debt removed.

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 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am missing direct deposits from active unemployment claims, Virginia unemployment commission confirmed checks were sent but cant confirm routing/acct # for security. I have closed accounts with banks from previous unemployment claims and am requesting payment investigation for possible misapplied/abandoned payments. 
Company name : Virginia Unemployment Commission Date, amount, check # : XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX Total : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals. 

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of 1026.13 ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).

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 2020-09-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I call American Express today approximately around XXXX and Spoke to a person name XXXX XXXX I ask him its still on the online website that a payment is due for the XX/XX/XXXX and why hasnt it been suspended until they do a forensic investigation as they had told me a couple of times they would do. The payment that is due includes a large portion of the pay overtime or pay overtime direct interest and fees charges, that Im also disputing which American Express combined the pay overtime and pay overtime direct as one balance making it being charged double, because the pay overtime balances and regular charges was paid off in full on XX/XX/XXXX by my credit union but some how a pay overtime balance of almost {$6000.00} was applied back to my bill on XX/XX/XXXX and all of those fees and interest charges kept accruing on my monthly bill as interest. They are harassing me about making a payment on XXXX XXXX which is tomorrow this is why they are refusing to dispute and refusing for me to put in a dispute concerning these pay overtime direct balances fees and interest charges which of most of the payment is due consist mostly of those disputed fees and interest charges. Therefore they are harassing me to make a payment even texting me a notice that the minimum payment is due. I understand when ever there is a dispute against charges or the bill you not supposed to ask for a payment or report a late payment to the credit bureau, which both situations American Express did.I have no problems making payments as they can see in my History of being a loyal customer for over 24 years, and this is how I get treated so unfairly. I spoke with a person name XXXX on XXXX XXXX around XXXX he assured me that why they did the investigation I will not be responsible for the {$24000.00} or the amount due of {$2400.00} because it includes pay overtime direct balances of fees and interest. And for some reason he ask me to send documents showing that the entire balance was paid off in full which included pay overtime balances to customer care services XXXX  XXXX XXXX XXXX TX XXXX. And ask me put down this claim number XXXX when I mail in the documents and to make sure and be specific with that claim number, In which I have sent documents twice to them and why would customer care services want to to look at the documents again because, they know they made and error in double charges me or maybe it is fraud because I got letters from the fraud operation and before I could respond back to the letters they closed out the dispute before I could respond. I never got calls from them as stated in the letters. Attached are 2 letters from American Express Fraud Operation each time before I can respond they closed out the dispute, matter of fact when I got the letters in mail and called, the dispute was already closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-08-25
Company: EQUIFAX, INC.
State: OH
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:
On XXXX XXXX I sent in letters regarding inaccurate reporting false items on my credit report and I have not received a response yet. I feel like I'm being ignored on my disputes. This deceptive practice by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX cards, XXXX with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my XXXX report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN XXXX DAYS!

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 2022-08-28
Company: M&T BANK CORPORATION
State: MD
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:
On XX/XX/XXXX, XXXX unauthorized deposits were made by XXXX in the amounts of {$0.00}, {$0.00}, {$0.00} and {$0.00} from my personal checking account with M & T bank. On XX/XX/XXXX, XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$6000.00}. On XX/XX/XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$10000.00}. At no time did M & T contact me or freeze the checking account for potential fraud. On XX/XX/XXXX when I withdrew money at an ATM from my checking account I immediately discovered the low balance. I immediately went to the local M & T branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and spoke with XXXX XXXX XXXX, Branch Manager who informed me the {$16000.00} had been stolen from my account. She instructed me to complete XXXX separate dispute confirmation summaries. This resulted in 2 case numbers, XXXX and XXXX which she faxed to the M & T fraud department. She said it could take 30-90 days to investigate the matter and return the {$16000.00} to my account. She froze the account so no withdrawals could be made other than existing outstanding checks or debits without contacting me for permission. She stated M & T does not know my spending habits or provide automatic alerts as that is my responsibility to set up using online banking or an app. I am XXXX and do not use online banking or apps at all. I opened the account in XXXX when they did not have apps or alerts. I also have never engaged in crypto currency or withdrawn such large amounts repeatedly on the same day. XXXX XXXX said the fraud occurred because someone had one of my checks and transactions were cleared by an account clearing house by M & T bank in XXXXXXXX XXXX. She said there had been other fraudulent transactions of this same nature dealing with XXXX and that I should consider myself lucky as another M & T customer earlier had lost {$25000.00}. I do not feel lucky. I also contacted M & T at XXXX several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ) and asked to speak with someone in the fraud department. I was told multiple times I can not speak to anyone directly in that department instead only that employee could communicate with that department and that person would make notes that would be sent to the fraud department. I was told due to the amounts, there had to be XXXX case numbers instead of 1 case number for the same person ( me ), same account ( M & T Checking ) and same fraud ( coinbase, {$1000.00} withdrawals ). I am retired law enforcement XXXX XXXX XXXX XXXX  and depend on automatic retirement, pension and social security deposits. {$16000.00} was stolen within 2 days and I was told an investigation had to occur that would be 30-90 days.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As instructed, I hadn't received any notification regarding payment for the illegal foreclosure on my previous home. It was stated to contact Customer Service, but they didn't know what I was talking about. The next step, as instructed, was to complete this form. I initially requested a modification during the recession in XXXX because I lost my job, like many others. Not only did it take Wells Fargo a ridiculous amount of time to modify the loan, the modified it increasing the loan, never waiving any penalty fees. They also messed up the escrow and that caused an increase. The modification was supposed to DECREASE my payments, but never did. It took me over 1 year to get back into the job market at $ XXXX. through a temp agency, as opposed to my regular $ XXXX - $ XXXX annual salary. They were difficult, obtuse, rude ( even today when I called ), and you ALWAYS had to start over with paperwork with each call, sometimeson hold for hours at a time. It was so stressful, I had to have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and ultimately lost it in foreclosure, moving back to XXXX, XXXX  with my daughter. I had an attorney ( I'm not able to locate his information ) who was suing Wells Fargo on my and others behalf, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I believe. He was found in his office in XXXX... I've always questioned and wondered. 
Now, here we are in XXXX and a lawsuit has been filed and settled. Previous homeowners should really receive the cost of their homes value. After all, the banks received bailouts while millions of homeowners suffered. It's ridiculous!

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have open disputes with Transunion today XX/XX/19 make 30 days and my disputes still havent been resolved.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following personal information does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Inquiries : 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