BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: DE
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:
Experian allowed an inaccurate account to be furnished on my credit report. Experian did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that XXXX XXXX XXXX XXXX XXXX shared or furnished my personal information to another creditor without my CONSENT, which was with the XXXX XXXX XXXX. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my XXXX XXXX decrease significantly and has had an adverse impact on 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 non-monetary relief
Consumer complaint received 2020-12-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Bank has closed 4 bank accounts without my authorization. The 3 accounts that bring the most problem are with my father 's estate accounts. My father passed away on XX/XX/XXXX. Well Fargo keeps records for account holders for 18 months which is great. This allows me to settle my fathers estate properly and provide the state of Virginia documents such as bank statements and checks to track funds. However given that the balances dropped to a low level they took it upon themselves to close these accounts. The estate requires documentation for accounting to preform tax returns and filings as well as estate filings. In addition Wells Fargo has no problem in charging fees on both my fathers estate accounts as well as commercial accounts without hesitation. I need online access for estate and corporate tax returns due to the fact that their bank statements dont provide details on checks that were written. I requested numerous times to allow online access so I can pull bank statements and cancelled checks for this year XX/XX/XXXX but they have denied me that right yet they offer that to others that have active accounts. If they had told me or warned me of this issue I would have kept the required balances. 

1. account # XXXX checking 2. account # XXXX savings 3. account # XXXX checking 4. XX/XX/XXXX XXXX account XXXX commercial

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 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
Over the course of several attempts, I have submitted all required documentation, diligently followed your guidelines, and cooperated fully in the hope of resolving this matter promptly. However, to my dismay, the bureaus have continued to dismiss my legitimate claims, leaving me in a state of vulnerability and uncertainty. Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. Account XXXX : XXXX XXXX. Please delete this account ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NY
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions 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:
ON XX/XX/XXXX I SUBMITTED A FTC REPORT FOR INQUIRIES THAT WERE NOT AUTHORIZED. EXPERIAN HAS NOT COMPLIED AND REMOVED THE FOLLOWING INQUIRYS 1.XXXX XXXX  XXXX  XX/XX/XXXX 2XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXXXX/XX/XXXX 4.XXXX XXXX, XXXX XXXX - XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6.XXXX  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 non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
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:
After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXXXXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with XXXX on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with XXXX on XX/XX/2023. Report XXXX XXXX. All of which were deleted from my report, please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with XXXX XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a THD/CBNA account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated 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. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

Equifax is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
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: Reporting company used your report improperly

Complaint:
We went to the car dealership I said I want to apply for a car they say they was going to only due XXXX. I was shopping for a mortgage loan the lender said he wasnt going to pull my credit until I was ready now I have 14 hard enquired. 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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply

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 2021-01-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CFBP HAS FAILED ME FOR THE PAST 3 MONTHS. NOTHING SETTLED WITH TD BANK. I filed 3 previous complaints for same issue. Never received my {$2500.00} for a closed acct back in XX/XX/XXXX!!. They refuse to send the check. They tell the CFBP that they are taking care of it and then the CFPB thinks all is well. I refuse to go to a branch 12 miles from here due to having XXXX  and must stay at home!! Emails and phone calls are never returned. The hold time on the phone is crazy and emails state to call!!. At wits end with this bank. They first said they sent an ACH to acct I sent in the original money from to TD. XXXX XXXX never got it and said it never came in. 2 months wasted. Last month they told CFPB that they are mailing check to my address. NEVER Received. We verified address and XXXX acct numbers also .CAN THE CFPB DO SOMETHING INSTEAD OF JUST SENDING COMPLAINT TO TD BANK AND ASSUMING ITS TAKEN CARE OF?? I WANT A CHECK VIA XXXX NEXT DAY. 4 MONTHS TO WAIT FOR MY MONEY??? HERE IS A COPY OF COMPLAINT FROM LAST MONTH, 3RD COMPLAINT MADE TO CFPB ABOUT SAME ISSUE. 
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the XXXX biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX  acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 3rd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2019-08-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Have power of attorney, faxed modifcation and loan assumption and loan see paperwwork! Finally i get mail, not sure why a sale put if all paperwork in, call and goes to voice mail and CAN NOT get to another REP! WHY should be albe to talk to someone! My cousin XXXX at XXXX has authorization and been helping me! SOMONE PICK UP PHONE and have sent three different packages!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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

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 2023-10-18
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I've been using cashapp to pay bills etc I've never had a problem I placed XXXX in my cashapp balance the XXXX of this month and XXXX weeks ago went to cash app it denied I verified my ID spoke to customer service even provided bank statements and proof if change and still they refuse to tell me why or anything just locked acct and said I won't get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account has been frozen or card cancelled more times than I can count. It got to the point I had to get a new card almost every month because of illegal activity or something. XXXX years ago they put a transaction through that they had already put through to years prior. I know it sounds crazy but this is the kind of stuff Ive been going through. They suspended my debit card at one point for a year. Why is my card being suspended when someone is getting in my account and Im showing you my card is in my possession. Then I have to wait on the arrival of the new card. XXXXXXXX XXXX XXXX2 I was at XXXX  XXXX XXXX trying to get a vehicle again someone got in my account. I told the rep I will change my PIN number dont cancel card. Her and I went back and fourth. XXXX XXXX left me careless and I was waiting on XXXX and XXXX still waiting on XXXX. When I got to final process of the rental car my card didnt work. The rep had closed the card. The problems and inconvenience are to numerous to count. From the fees, credit card fees, card cancellation, negative account, debit card problems, overdraft fees, and the list dont end

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 2021-03-12
Company: EQUIFAX, INC.
State: WI
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:
Equifax addressed one of the issues, but not my concern of how they continue to report the utilization of my credit being at 47 %. 
My card utilization is only 8 %. 
After contacting XXXX they made the correction right away. 
Seeing that this aspect of credit card utilization is essential to repairing ones credit. 
The refusal to correct this error seems intentionally underhanded. 
I've no response regarding the correct reporting of my card utilization. 
Can I sue them for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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