BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT WHICH MEANS SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT WITH MY ID AND SOCIAL. THE ACCOUNT AND THE CHARGES ARE NOT MINE, I NEVER REQUESTED THIS ACCOUNT TO BE OPENED, I NVER USED THIS ACCOUNT AND THE PAYMENT MADE ON THIS ACCOUNT ARE NOT AUTHORIZED BY ME. I AM VICTIM OF AN IDENTITY THEFT. I DON'T KNOW THE NAME OF THE PERSON WHO DID THIS, OTHERWISE I WOULD REPORT THEM AS WELL.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I asked the creditors bureaus to do a Theral review of credit report the did, but i did research and found improper even after they did the review. 
in accordance with the fair credit reporting act 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 XXXXXXXX have violated my rights 15.usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
what would you want as resolution

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 2023-02-21
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the credit collections call, they said I have unpaid bill, based on their information, I checked the violation number and license number, they are both NOT mine! The NAME is NOT mine, the LICENSE PLATE is NOT mine, the ADDRESS is NOT mine, the VEHICLE is NOT mine! 
Then I called XXXX about they gave the collection the wrong persons information and they confirmed they have withdraw that. 
HOWEVER, the CREDIT COLLECTION SERVICE continued giving me calls, asking me to pay debt, and my credit score did not go up at all! Each time I called them, they said they already withdraw it, but nothing reflect on my credit score, and they keep calling me for debt! This hurt my reputation!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a 609 dispute letter to Transunion, XXXX and XXXX on XX/XX/21. It has been over 30 days and they have yet to provide me with the results of the investigation. They have been reporting inaccurate Information. I have also sent a demand to comply letter on XX/XX/21 to the Bureaus.

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 2023-11-28
Company: LoanCare, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Hello I have been trying to pay my mortgage on my home and their site has been down for one week and half. There has been no response on their end, and this could affect my credit not due to my own fault.

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 2023-01-07
Company: EQUIFAX, 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:
equifax handle this problem XXXX  bank i have no relantionship with at all and XXXX should only be on my report XXXX  not the XXXX times it is reporting when i called up girl who i talked to said she was going to take care of them abd still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Scott Fetzer Financial Group Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I only received a letter denying every account on my credit report. That's not true. I have several open accounts in good standing that I definitely don't want to deny are mine. Every account, even derogatory accounts that are mine, they're saying aren't. And they have not done anything. I paid off my cards and raised my score on my own. They did nothing. I was lied to. XX/XX/2020 I paid {$130.00} to start and {$89.00} a month. I stopped for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I HAD VENMO FOR YEARS. I TRANSFERRED {$4900.00} TO MY BANK ACCOUNT, VENMO STATED I SHOULD HAVE RECIEVED THE FUNDS THE NEXT BUSINESS DAY WHICH I DID NOT. VENMO FROZE MY ACCOUNT WITHOUT WARNING, THEN LATER THE SAME DAY CLOSED THE ACCOUNT WITH NO WAY OF ME RETAINING MY FUNDS. 

HOLDING MY FUNDS FOR NO LEGIT REASON OTHER THAN THEIR OWN FINANCIAL GAINS. AS IT STATES IN VENMOS 'TOS ' THEY CAN USE MY FUNDS TO TRADE AND GAIN INTEREST WHICH IAM NOT ENTITLED TO RECIVED ''. TO ME THATS AN INCENTIVE FOR VENMO TO FREEZE MY ACCOUNT AND OTHERS SO THAT THEY CAN PROFIT AND CAPITALIZE WITH NO REGARDS TO THE ACCOUNT HOLDER I CAN NOT ENDURE AFFORD FOR VENMO/PAYPAL TO PROFIT OFF MY FUNDS BY TRADING/CAPITALIZING. WHILE I SIT HERE IN A FINANCIAL PURGATORY THIS ISNT HOW CUSTOMERS ARE SUPPOSED TO BE TREATED IN A DIRE TIME LIKE THIS. 
INFLATION IS UP, COVID-19 IS UP, PEOPLE ARE STRUGGLING GLOBALLY. I WOULD LIKE MY FUNDS RELEASED PLEASE ASAP. AMOUNT : {$4900.00},,,,, IAM REQUESTING MY FUNDS RELEASED IMMEDIATELY TO PREVENT FURTHER LEGAL ACTION. SUBJECT TO ARBITRATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 accounts that appear on my credit report do not belong to me and are hurting me. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: WI
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of 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 2022-12-19
Company: Experian Information Solutions Inc.
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

1

5 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 2022-03-31
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated 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 2023-01-07
Company: TEXAS CAPITAL BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX Bank. 
I contacted XXXX Bank to setup savings account. I provided all information necessary and they flagged my account for not being able to validate address. Once utility bill was provided they flagged account again because I changed my name ( marriage ). Followed up again, to setup account and they denied me because their system can not verify my identification. This is after I submitted SSN, SSN name change form, utility bill, drivers license, and other personal information. 

In review of XXXX Bank, other consumers have had the same issue where they collected personal information and did not notify consumers of valid reason of application status. I dont even have a status of approved or denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account will wellsfargo and they closed my account because they said it was fraud activity on my account and took my tax check XXXX my work check XXXX and my stimulus check of XXXX in XX/XX/2021 I am a victim of identity theft .and wellsfargo. Sent me a letter stated that and said they some one was trying too open up a new account in my name

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 2022-03-31
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:
On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name #. Hunter Warfield XXXXXXXX This account debt was paid by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I ended up closing the account due to the high overdraft fees and insufficient fund fees

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 2023-07-03
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
credit control sent me a letter on a debt i do not owe!! please stop contact me about a debt i do not owe through phone, text, mail or any type of communication ty!!

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Trans union has been taking a monthly fee of {$24.00} out of my checking account for services I did not order. 
As senior citizen, I dont think its fair to be taken advantage of. I would like a total refund.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent letters to the company XXXX XXXX and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to XXXX XXXX on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill 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 2020-07-02
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
The fraudulent account that Equifax placed on my credit report stems from a child support case that has been closed years ago yet equifax is still reporting this as a negative account. I have a signed court order from the judge releasing me from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-09-07
Company: Experian Information Solutions 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:
The applicable provisions of the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ), Pub. L. 108159 117 Stat. 1952, shall be effective in accordance with the following schedule : ( 1 ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX account 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 2020-08-05
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX my account with Marcus by Goldman Sachs was blocked. This was the second time it was blocked after I attempted to transfer funds from them to another bank. 

They blocked my access to view the account, access cleared available funds and to close the account. When I I formed them I had a legal right to access my account, XXXX in the XXXX XXXX XXXX location denied lifting the block and refused to provide me with access. 

When I requested a copy of the recording of the call to be able to use in a complaint, XXXX placed me on a long hold while finding out if they could do it. I was then told someone would call me in 1-2 days to provide information about how I could it. 

This all occurred after Marcus lowered their interest rates and I attempted to withdraw my funds to deposit at another location that pays higher interest. They are blocking my access in an attempt to keep the funds with them because in my opinion lots of customers are moving their money after the interest drop.

Company response to consumer: Closed with explanation