BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX  XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$9900.00} XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$490.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I contacted crefit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at XXXX stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2023-02-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citizens bank has my account frozed and taking money out of my account monthly. I'm getting charged monthly for statements but i have access to my checking account. Why am i paying fees when my account is froze?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
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:
The ending of XXXX XXXX XXXX has notified me that credit accounts were being opened under my information and affecting my credit score. 
Starting since, XXXX XXXX XXXX  XXXX XXXX XXXX Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2023-03-01
Company: Affirm Holdings, Inc
State: PA
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:
On XX/XX/23 I made a purchase on XXXX with the credit provider affirm.com in the amount of {$3900.00}. My affirm loan id is ( loan ID : XXXX ). On XXXX I bought 2 mens  shirts, 2 purses, and 2 mens pairs of socks all amiri brand. 

On XXXX XXXX I recieved a package under XXXX XXXX name, XXXX XXXX XXXX that just contained 1 womans tank top. The package had the same tracking number that I was provided for all my items that I was supposed to recieve. The tracking number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX on XXXX XXXX and it took them 2 weeks to start an investigation to this day they still have no gave me any resolution. 

I contacted affirm on XXXX XXXX to report the problem and they told me once a package is delivered it is completely out of there hands and they can not dispute it even after all the evidence I sent them of what I recieved and what I ordered and my conversation with XXXX. I have contacted the local police in XXXX XXXX to get a report started and I will be going to my local police next so they can coordinate with XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I discovered an credit card fradulently opened in my name from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX This account with a credit limit of XXXX was opened XX/XX/2023 and shows a reported day of XX/XX/2023. 
I never applied for this credit card that shows on both my XXXX and XXXX Credit Reports.

I spoke with the company and they asked for my address and DOB and said that my information did not match and that they could give me no information about the Account. 
The Account shows as Open in both credit reports and I am very concerned that whoever opened this fradulently in my name will soon have access to making fradulent purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: ID
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2021-10-21
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Re : Delinquency Notice / Civil Action Notice USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form NOV 219 26-8937. 

Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. 

We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. 

At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. 

You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. 

Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 non-monetary relief
Consumer complaint received 2023-01-26
Company: BARCLAYS BANK DELAWARE
State: NC
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 have tried numerous times to dispute monthly charges appearing on my Barclaycard Mastercard that I did not authorize. Barclaycard has refused to assist, and I am therefore filing this complaint. The monthly charges are from XXXX XXXX XXXX and currently total {$1400.00} ( as of the date of this letter ). 

On or about XX/XX/2020 I submitted a dispute for a monthly recurring charge in the amount of $ XXXX {$76.00} per month that I did not authorize. Attached is a summary of those charges, along with the several letters I sent to Barclaycard. In addition, I have spoken to Barclaycard numerous times by phone to discuss the matter and answer any questions they had. My request was/is to stop the recurring charges and reverse the charges that I did not authorize. To this day, the recurring charges continue each month. A few of the charges were reversed, but most have not. I pay my balance in full each month in order to maintain my good credit rating. However, I am still owed {$1400.00} as of this date.

The most recent letter from Barclays states they will not assist me because We are outside of the permitted timeframes to continue this claim through the dispute process. This reason simply makes no sense as I have been pursuing this matter since XX/XX/2020. 

Barclays has been very difficult to communicate with. Each phone call results in speaking to someone new and re-explaining the issue, only to receive a generic letter in return. I have spent countless hours on what I think would have been a simple issue, and Im kindly asking CFPB to assist in resolving this matter with Barclay. Specifically stop the on-going charges that are now {$79.00} per month and issue a credit in the amount of the disputed charges in the amount of {$1400.00}. 

Thank you for reading and hopefully assisting with this frustrating issue.

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 2023-01-16
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report as it violates the FDCPA and FCRA regulations. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their inclusion violates multiple laws. Please take immediate action to remove these accounts and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My checking and savings account with Wells Fargo. I had direct deposits into my checking at first but Wells Fargo allowed XXXX XXXX to take more money then what I owed without me making the payment from my account. XXXX XXXX went to Wells Fargo and was able to take out more than what I owed. I put in a dispute but without any verification they said I owed XXXX XXXX which made my accounts go into overdraft. So I moved my direct deposit to my savings account and they closed my checking account even though I still used it without any notification and turned off my card that was affiliated with both checking and savings. I now have to go inside. They would also take out fees ie,. If I had a bill pay for {$200.00} and I had in there {$190.00} instead of them paying it then charge me the {$1.00} plus the fee, they would take the fee and then return it for insufficient funds and charge me again for another fee. I think they have done something with my mortgage modification as I am not able to do anything refinance or get a HELOC. I have tried to get my mortgage away from Wells Fargo however no matter what I do they buy back my loan! 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 2022-12-08
Company: MOHELA
State: PA
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:
Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: LA
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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