BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: IA
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 XX/XX/XXXX, I was checking my 3 credit reports last week, and I saw an unidentified account called XXXX XXXX XXXX with a past due amount of {$400.00} for 60 days. I didn't know what this was. I put a credit freeze on all 3 credit bureaus, and a fraud alert. Experian is the only credit bureau who still has this account on my credit report. On XX/XX/XXXX, I called Experian, who opened up a dispute and gave me the phone number to XXXX XXXX XXXX. I then called XXXX, and they had me fill out complaint and affidavit. They said it was a loan through XXXX for {$1200.00}. The thief had been making payments on this account, then quit. I sent it back to them. I am upset, because this is NOT me and I want it off of my credit report. I believe the culprit was my ex-wife, who knows my social security number. If need be, I can provide you with a copy of all of my XXXX orders for the last 2 years. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 my credit report I see an open credit card through Capital one with an active balance of {$700.00}. I tried to dispute this account as I had no knowledge of the account and Capital one did not accept the dispute. Dispute filed on XX/XX/ through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I believe Im being targeted because Im a veteran of the XXXX this company Credit collection service placed a past due debt from originally XXXX and liberty mutual on my credit report without any information given to me or mailed to me. They did not give me a chance to dispute or even pay this before reporting to the credit bureau. I ask them to please remove this asap and give me a email to resolve this issue.I do not have a phone .my emails is XXXX I believe Im currently being targeted because of my race and status. I have had no communication from this collection company whatsoever. Because Im not even in the USA at the moment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield became a part of my life in XX/XX/XXXX. Hunter Warfield reports that they are the collection agency for an apartment that I had in XX/XX/XXXX. I moved out of the apartments they are collecting a debt for on XX/XX/XXXX however after checking credit due to receiving numerous of calls from Hunter Warfield they have been reporting on my credit report since XX/XX/XXXX ( I was still staying in the apartment at this time ). The company as stated above calls soooo many times a day that it is becoming harassment. They will contact my cell phone and turn around and call my house phone and repeat. When I first became aware of hunter warfield being on my credit I request that they provide validation due to the timeframe being off. The company sent me a letter typed on letterhead but it was not validation to the debt and the amount was not accurate. When speaking to a representative they are VERY unprofessional and demand funds on each call. On many occasions when receiving voicemails from this company, they leave you DOB, as well as your SS #, which I'm sure is a violating of some sort. I have reached out to my old apartment complex to possibly confirm Hunter Warfield being a collector for there agency but this is still not being verify. At this time Hunter Warfield has not provide information im abide to in accordance with fdpca, which mean they have not properly validate the debt they using bully tactics to received. I have dispute this account on 2 occasion and they are stating they meet the FCRA requirements but they have NOT. I am requesting that this account be deleted from my account immediately. I have no contract with the company and this company as well as the suppose original creditor has no contract to confirm I am responsible for paying the incorrect amount they are requesting. Please ensure that this information is properly deleted from my acoount due to the company not being able to validate the information within the proper timeframe with the proper legal documentation. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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 have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

XXXX XXXX XXXX # xxxx, XXXX XXXX XXXX # xxxxXXXX XXXX XXXX # xxxx and XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  # xxx has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without 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 ). States 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 2023-05-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About a month ago I started getting up to XXXX calls a day from XXXX Bank. At first I answered and after a pause got a voice message asking why I called.I didnt call so I hung up, but the calls continued. I figured out that they were calling in reference to my Banana Republic Rewards card ending in XXXX numbers they said the cards account had but I have no knowledge of having such a rewards card and it certainly wasnt the regular account number of my Banana Republic card. I eventually tried to call the XXXX number back, but was lead through a rabbit warren of links telling me that I owed a certain amount that I never paid. Since I couldnt find any such amount on my Banana Republic account, I hesitated paying over the phone ( which would have required giving my checking account number ). I then called Banana Republic directly but they said their regular credit card account is not my rewards account. In the end, I mailed a check for the full amount I was told I owed to Banana Republics address. I have not heard a thing in the 7 days since & theres no evidence from my bank that my check was cashed yet, and worst of all, the incessant calls continue! You are my last recourse!

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 2018-03-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXXHard Inquiry from XXXX XXXX XXXX  ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX   ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls.XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized.

XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry.

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX . 
XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act converging account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.

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: Experian Information Solutions Inc.
State: NC
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 explanation
Consumer complaint received 2022-08-08
Company: TransferWise Ltd
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I wired XXXX euro to an individual who provided all of her details including bank information to me. Because it was an International transfer, she suggested to use Wise. The XXXX never went through to the recipient. It was immediately taken from my account and left in limbo unable to be received by the person I sent it to. When I tried to get my money wired back to me, the company has continually said it will not go through. I have gotten all of the correct information from my bank, tried multiple times with different accounts and every time they say it won't go through. They had no problem receiving the money and now will not send it back to me. I have been going back and forth for months now and they will not give me any other answers other than it will not go through. They have now stopped responding to me. 

If you were able to receive the money you should have no problem sending it back. 

I looked up their reviews on XXXX XXXX and there are hundreds of people who claim wise has also stolen thousands of dollars from them. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-22
Company: Amsher Collection Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
Amsher CoBalance details 0 % paid off Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name AMSHERCOLLECTIONSERVICES Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX I HAVE NO KNOWLEGE OF THIS ACCOUNT THIS IS FRAUD AND IT HAS BEEN REMOVED WITH XXXX. I ALSO HAVE FRAUD ALERTS AND A VICTIM OF IDENTITY THEFT AND WOULD LIKE THIS REMOVED ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is XXXX! I asked for a copy of the loan audit for my loan to see what payments have been made and Wells Fargo response to my last complaint XXXX. Is that they need more information from me? XXXX you CFPB are worthless pass the buck over paid government POS!!

If I had to show all my checks I had to spend {$250.00} to get copy of checks from 2 years ago but ask the bank with XXXX  dollar computers they can't manage to get my loan payments and show how they are posted?

This system is seriously XXXX XXXX!!!

That bank Wells Fargo should have to give me a loan audit with in 72 hours!!! At least with in 30 days! You really want to be a consumer protection Orginaztion then act like you give a XXXX!! Make the banks do their jobs and supply the audits!!

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 2021-04-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2021 Bankruptcy Chapter XXXX Verified as accurate They didn't contact court to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I had a personal credit card account with Bank of America. The last payment to this account was made on XX/XX/XXXX and the account first became delinquent on XX/XX/XXXX since I did not make any of the payment that was due on XX/XX/XXXX. This account was charged off in early XXXX due to non-payment. The account is scheduled to be removed from my credit report later this year as it will have been seven years from the Date of First Delinquency. 

Bank of America continues to incorrectly report to XXXX  and XXXX  the Date of First Delinquency to be XX/XX/XXXX. The account was deleted from my XXXX  credit report last month as it has become obsolete. I have tried disputing this information with both XXXX  and XXXX  several times during the months of XXXX and XX/XX/XXXX. The credit bureaus tell me that Bank of America continues to affirm that the Date of First Delinquency is on XX/XX/XXXX. I attached documentation to my disputes which include XXXX XXXX  account ( the account from which I always paid the bill ) statements as well as e-statements provided by Bank of America which reveal successive increases in both the account balance and minimum monthly payments due to non-payment of the account. My bank account statements and e-statements concur with the last payment being made on XX/XX/XXXX ( posting on XX/XX/XXXX ) with no payments made afterwards however Bank of America is not changing their story. 

My entire issue is only asking to adjust reporting of the Date of First Delinquency by one month ( correct date of XX/XX/XXXX and NOT XX/XX/XXXX ) or simply remove the old account from the two credit bureaus as it is going to fall off later this year anyway.

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 2023-07-24
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 XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, 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 2023-03-06
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Last week Transunion had a Glitch that erased and re-inserted my credit inquiries without my knowledge. I have screenshots that can show where they were taken off and returned. This reinsertion without prior written notification are a direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquiries be permanently removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CCF Intermediate Holdings LLC
State: MD
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:
Upon a routine check of my credit report I found this account with XXXX, for a Speedy Cash payday XXXX. Not only do I think this is not my debt, it should also not be on my credit report. Neither Speedy Cash nor XXXX put this on my credit bureau when it was allegedly opened, but never followed the normal collection cycle. Had I seen this earlier it would have been disputed earlier. They put this on my credit for one reason only, to force me to pay a disputed debt. This is " weaponization '' at its worst! No company should be able to put an account on a XXXX without following the entire cycle of originations thru charge off!

Company response to consumer: Closed with explanation