BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MS
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Us Bank Reliacard for PA PUA unemployment has on numerous occasions frozen my card without proper notification as well as emptied my account for XXXX on XX/XX/XXXX and supposedly sent a check for that amount, which I never authorized or requested to begin with, and I never got that check. They froze my card without notifying me from XXXX until XXXX so I could not access my funds which PUA PA Unemployment was adding my weekly benefits to every week. However USBank Reliacard would not let me access those funds. They told me I had to send in verification that I was indeed XXXX XXXX which I did numerous times. Then when they finally unfroze my card with in a week they then took all my money out of the account and put it in above referenced check that I never received that was on XX/XX/XXXX and they have still not fixed the issue or reimbursed me the money. Then yesterday 2 days before XXXX they once again froze my card without notification when I finally did get ahold of a representative they said I needed to once again verify my identity. They have caused me to get evicted from my home, gave me no type of reimbursement for money they stole out of my account. Now I once again can not access my money and they still have not sent me my XXXX that been missing since XXXX. I have not been able to pay my bills buy groceries get basic necessities all during a pandemic. They should be ashamed of the way they conduct business and should be shut down. They steal from vulnerable good people and do nothing to correct it.

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 2019-06-29
Company: Experian Information Solutions Inc.
State: IL
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:
Sent credit bureau FTC identity theft report and they still refuse to remove/delete inquiries.

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 2023-10-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I received a notice from the XXXX  general attorneys office that XXXX  tracking may have occurred from my current mortgage servicer while I was waiting for loan modification a XXXX was being processed by servicer at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: GFS II, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor exclaims that I had an account with them which is not true. my identity has remained the same at a total different address reporting from them as well. However, there reporting inaccuarte information that is really damaging my credit within one credit bureau in which there are no ties to any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: WI
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 XX/XX/XXXX I disputed my XXXX credit card account that still showed it as open on my Experian credit report. I even attached emails as proof - the same proof that I am attaching in this complaint now. 

This account was closed on XX/XX/XXXX. I have submitted proof but yet Experian denied it and yet it still remains on my credit report. It needs to be removed. Yesterday ( XX/XX/XXXX ) they completed their investigation but it still shows it as open. Their dispute investigation results were as follows : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I don't understand how they could make that determination that the account was still open when in fact IS NOT! There is no email address or form to contact Experian about this. I could not re-dispute this either.

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 2020-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital one has flagged my account and put it in some sort of category where i have a low credit line and i make a really high income also have investment. 
i have a low credit line of {$900.00} there was a dispute done before for an inquiry they said i made a dispute with my car i owned at the time that i never missed a payment. 
the credit card was supplely disputed never made a late payment as well. i recently applied for a card with capital one and got a line for {$500.00} this is unfair as a customer. i never disputed any of my accounts directly with capital one. the ones that did this was XXXX tarnishing my name and making me look bad. i will take legal action against XXXX  soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: TX
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:
This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated or deleted. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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'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 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: Exeter Finance Corp.
State: OH
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:
On XX/XX/2022 XXXX XXXX XXXXXXXX XXXX  ran my credit without my permission. so Now i have inquiries from them that I did not ask for. Also, On XXXX and on XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. Also, on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX company that ran my credit without my permission. Also, on XXXX XXXX XXXX XXXX ran my credit without my permission. According to the FCRA states that credit inquiries made without " permissible purpose '' can be removed. Additionally, the FCRA states you can sue for damages in the amount of XXXX for each instance a company pulled your credit report without your permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I submitted a letter to the XXXX and TransUnion Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$800.00}

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 non-monetary relief
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: CA
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, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 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 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 2023-06-26
Company: EQUIFAX, INC.
State: DC
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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries XXXX5 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My name is XXXX XXXX XXXX i want to file a complaint against Wells Fargo i started using Wells Fargo in XXXX i have over the past 4 years been robbed of thousands. I opened the account because i had my Social Security XXXX deposited there the first year they treated me great i had and maintained a savings and a a secured credit card always paid on time. I am a XXXX year old XXXX man on a fixed income i have been fighting with the hardships of that damaged credit because of identity theft was XXXX because i was a victim of a home invasion i was home at the time i was robbed, beaten, tortured shot and thrown in the lake left for dead thinking a dead man wont mind they threw in a little Identity theft i suffer from severe panic attacks, XXXX, XXXX, Severe XXXX XXXX being terrified to leave my home its hard to find another bank i tried with fraud alerts the banks want your to come in person. Wells Fargo you are Evil all the money gone taken out of my account, direct deposits not posted, payments withdrawn never paid company my complaint my checking account account XXXX was closed on my XXXX birthday XX/XX/XXXX with a charge off of {$280.00} by Wells Fargo got the statement also a letter telling me i was reported to XXXX knowing that is a hardship banks wont mess with you with that on your reports but on XX/XX/XXXX after 2 months of losing my fixed income on fees added, direct deposits never posted i closed the savings, the secured card, and the checking all accounts in good standing was told i had 90 days access to records no no no access denied i was told my accounts were closed i could not check because of Wells Fargo why would you keep it open and because XXXX XXXX tried to charge a debit card i was told that it was closed you charge overdrafts not good enough stealing what you had stolen from me before you had to get a few dollars more and then close it XX/XX/XXXX the day of my XXXX XXXX birthday my complaint is simple Wells Fargo that charge off needs to be corrected and any information reported needs to be deleted or I will sue you, report you, do everything i can to cause you problems and hardships i promise you I wont stop .. So please fix this all accounts closed. the charge off removed and any derrogatory and untrue information reported please make it disappear like my money did and whatever we know your company did'nt do it or glitches just correct it please. 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 2023-04-19
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a military service member Ive XXXX a number of times it is only now that I am trying to pcs that Ive discovered fraudulent accounts opened in my name that I did not consent or authorize. This is a defamation to my character. Considering credit is all I have to my name. Companies have contacted me threatening to seize my assets and kick me out of the military due to something I am completely unaware happened. This in breach of the law 15 USC 1681.

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 2020-12-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Hello, I wish to address/complain about a money transfer transaction I had with MoneyGram.com. On XXXX XXXX. I intended to send money from the U.S. to a friend in XXXX. 
I chose to use MoneyGram services willingly and chose to pay for the transaction using my credit card and not my debit card after I called MoneyGram. The fee charged for paying with debit card or credit card was the same.

I called MoneyGram to inquire how my credit card would be charged. I asked if my credit card would be charged like a regular store or online purchase or charged as a cash advance ( thus incurring fees from my credit card issuer ). I was told the transaction would be charged as a purchase and not a cash advance. Hearing this I found it a better/safer option to pay for the transaction with my credit card. 
Upon receiving my credit card statement, I come to find out MoneyGram charge my credit card as a cash advance, thus incurring cash advance fees and interest fees. 
My credit card tells me there is nothing they can do unless I wanted to contest the entire credit card charge from MoneyGram as fraud. I told them no since I did intend to make transaction and was only disputing the cash advanced fees and felt I was lied to about how my credit card would be charged. 
I called MoneyGram and was told there was nothing they would do but they did apologize for be lied to. They said I could write up a complaint on their web site and submit it. Im sure nothing will come from this. 
The Consumer Finance Protection Bureaus name and phone # was on confirmation email I received from MoneyGram so I thought I would tell my story to you for what it is worth. 
Im sure nothing can be done nor do I expect anything to be done in getting the cash advance and interest fees refunded to me. Unfortunately a bad lesson learned and a customer who will never use MoneyGram again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has a judgement against me and is trying to sue me for an almost 7 years old debt I co-signed for back in XXXX of 2013. I was only XXXX at the time the I cosigned for the apartment which means the contract could be bad and I do not think this company even followed the right proceedings to obtain a judgement against me or if any of the right required elements to obtain a judgement against me particularly by default were followed or even fulfilled. I am also not sure if the lawyer, the one who sent the letter followed the appropriate laws in particular the FDCPA and this debt collection company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 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 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 2023-02-25
Company: EQUIFAX, INC.
State: MI
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 violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  HAS TOLD ME THAT THEY WERE GON NA REMOVE THE FRAUD INQUIRES ON MY CREDIT REPORT ABOUT 6 MONTHS THROUGH PREVIOUS COMPLAINTS AND I TOLD THEM I DONT WANT A FRAUD ALERT ON MY FILE DUE TO PROBLEMS IVE HAD IN THE PAST AND I CANT EVEN CONTROL THE LOCK AND ALERT FEATURE MY CREDIT MONITORING HAVE. WHY IS THAT. I HAVE OVER 100 INQUIRES ON MY MY XXXX  CREDIT REPORT DUE TO NOT BEING ABLE TO LOCK MY REPORT ON THE APP. I CAN WITH XXXX  AND EQUIFAX. THAT IS WHY I DONT HAVE MANY INQUIRES WITH THEM BECAUSE OF THAT FEATURE AND I CANT EVEN GET MY ANNUAL FREE XXXX  REPORT FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: MI
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:
I sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b

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 2022-11-27
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:
I am interested in disputing all inaccuracies on my credit report with transunion.

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