BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Hello, I deposited {$5000.00} to CD in Wells Fargo 10 years ago. I have a proof - certificate of my deposit. I tried to take the money back but they say that they have no records of my account. I went to the branch and they said the same thing. They basically stole money from us. I have read the article from the newspaper and they are doing it to lots of people. What is being done about this? Are we going to get our money back? People responsible for this should go to jail. 

I would like to file an official complaint against Wells Fargo. 

Thank you so much for your time

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 2020-02-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have another credit card that I never owned. I never had possession of and I don't know how it was even opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A balance increase on one of my cards by XXXX, and Transunion decreases my score 33 points?? 
I've never seen such a thing, they do not mention that I have paid off 3 credit cards, so my score should be the highest being that I just paid over XXXX down This is unfair practice and makes absolutely no sense! 
XXXX  sees an increase of XXXX and shows a decrease of 2 points, and also does not show my payments of over XXXX being made. 
The 33 points for a XXXX increase is not fair or correct. How are people supposed to live with this constant scoring errors?

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: AmeriCollect
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Americcollect reported a medical bill on my credit for treatment that was a result of a auto accident relating to my son. The case is still pending. It has not been settled. My son is currently represented by an attorney and this should have never been reporting on my credit. My attorney reached out and provided the proper documentation to Americollect, they were to remove the collection item. However, they chose to re-report it again on XX/XX/2023. I placed a dispute with XXXX and they validated the debt as of XX/XX/2023. Even though I provided the written documentation that it was to be removed as I have legal representation. I called XXXX and Americollect daily to get no result other than Americollect saying they arent reporting it and XXXX saying they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: MN
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:
To whom it may concern, I reviewed my credit report and found grave errors that the company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. The inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter. 
Equifax XXXX ( Not more than two payments past due ) XXXX  ( At least 120 days or more than four payments past due ) XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX - XX/XX/XXXX ( 30 days past due ) XX/XX/XXXX ( Settlement accepted on this account paid collection ) XXXX XX/XX/XXXX ( Payment after charge off / collection ) XX/XX/XXXX ( Not more than two payments past due ) XX/XX/XXXX ( 120 days past due ) XX/XX/XXXX ( Settled ; less than full balance ) XX/XX/XXXX ( Payment after charge off / collection ) XXXX XX/XX/XXXX ( Paid, was past due 60 days ) XX/XX/XXXX ( Current, was past due 30 days ) XX/XX/XXXX ( 30 days past due )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello My name is XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX Ny XXXX. I am a mother of XXXX and I am currently trying to purchase a home for me and my children. After looking at my report I see there are items being displayed on my report that Ive tried to fix. I see that there are damages on my report. According to 15 U.S. c 1681 law there should not be any damages on my report it is a defamation of my character.Please kindly remove these items from my report. 
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 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX Balance : {$680.00} ; XXXX XX/XX/2021.

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 2020-02-14
Company: EQUIFAX, INC.
State: MD
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 hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: SC
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:
The reason for this complaint is because my credit was pull multiple times for the wrong reason! Need these off my credit report asap! 
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 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America says they issued me a credit card, however I never received a card from them nor have I ever even applied to receive a card from there or signed any type of documentation or contract.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. 
The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.

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 2020-02-21
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Looking at my credit report I saw a collections account from Continental Credit Control opened on XX/XX/XXXX ( original creditor : XXXX XXXX XXXX XXXX ) with a balance of {$110.00}. 

At this time I was living in the school dorms and had sporadic mail access. I was under my mom 's insurance at the time and used her information when receiving my XXXX XXXX. 



Neither a bill from the XXXX XXXX nor a letter from Continental Credit XXXX ever made it to me. Without any information about the account that is attempting to be collected, I sent a debt validation letter by certified mail on XX/XX/XXXX. On XX/XX/XXXX XXXX the letter was delivered. It is now XX/XX/XXXX over two months later and I have not heard a reply to this request for validation and it is still being reported to the credit bureaus. 

USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} ; XXXX XXXX XXXX XXXX. Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}

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 2022-12-30
Company: CITIBANK, N.A.
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:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : CITI XXXX Date Opened : XX/XX/2005 Balance : {$0.00}

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 explanation
Consumer complaint received 2023-05-27
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX of 2022 I realized that charges from XXXX ( there are several 100 's of charges ) were not mine. The problem is that I had already made about {$20000.00} in payments. 

I disputed the charges with Chase, disputes sent me to fraud. Fraud sent me to disputes, this happened several times. There are probably over 50 different call logged with Chase. 

When this all happened I didn't know what was going on, everyone became a suspect I tried to figure out how it happened who did it. I question several of the companies that I worked with but none of them had access to the card. 

I contacted XXXX, they provided an order history from the card. All of the email addresses and IP addresses are bogus. They don't belong to me and I don't know where they came from. 

There is currently {$37000.00} in charges on the card that I didn't authorize. I have done business with Chase for over 10 years and haven't had any problems. My credit score was XXXX and now that Chase has reported this my credit score is XXXX. The credit card had a limit of {$35000.00} the card ran up to {$48000.00}, I called in and had the card deactivated. Still scratching my head as to why Chase didn't let the charges go over the limit and not notify me of suspicious activity like they do on my personal card. 

I am asking that Chase review the fraudulent charges and do the right thing by removing them from my account and restore my credit. I have worked on my credit for the past 25 years and it is very important to me. 

Warm Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX open date XX/XX/XXXX {$6800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX open date XX/XX/XXXX {$1800.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports. 

XXXX XXXX XXXX XX/XX/XXXX {$1300.00} I have requested verification of this account, there are several different account numbers and amount open dates on this account across all of my credit reports.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Self Financial Inc.
State: IL
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:
In accordance with the fair credit Reporting act this company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hello many times I have late payments on my student loans credit report, thru navient account # XXXX had follow all rules to best of my ability. and still not having the results that they explained to me. please fix all problems thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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