BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023

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 2023-03-17
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They flagged my account for fraud. There is a block on my account. However, I have never, nor would I ever attempt, fraud or scamming. I dont care if they close the account or not, but I just received my paycheck from my place of employment and I have no way to access it. I just want the money that is rightfully owed to me.

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 2023-03-17
Company: Experian Information Solutions 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2024-01-18
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:
I am filing a formal complaint against Experian, one of the major credit reporting agencies, regarding the handling of my disputes concerning negative information on my credit report. I have recently encountered issues with Experian 's response to my dispute letters, and their assertion that the letters " do not appear to have been sent directly by me or authorized by me '' is both inaccurate and deeply concerning.I submitted dispute letters to Experian on XX/XX/2024 disputing certain negative information on my credit report. However, Experian 's response, as conveyed in their communication claims that my dispute letters either did not come directly from me or were not authorized by me. This assertion is complicated and distressing, as I can confirm that I personally submitted these dispute letters, and they were authorized by me.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$9400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I.Q.Data International attempted to fraudulently collect a debt of XXXX that was illegal sold by actual creditor. Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividens to shield and will strongly do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I always use XXXX to transfer money between my XXXX  bank accounts. XXXX and BMO Harris. This particular time i used XXXX  XXXX  to tranfer money to BMO Harris. I transferred XXXX dollars from XXXX  XXXX  to BMO harris because BMO harris ATM was closer to me at the time. I waitied until i seen the funds avaliable and i went to get the funds from the BMO ATM. Fast forward a couple weeks and BMO is telling me my acct is over drawn by XXXX which i dont understand cause i had the funds, i checked before i took it out. XXXX  XXXX  is telling me funds were taken from my account and provided me the transaction number and everything but BMO was telling me they have no documentation of me transferring the money only taking it out. I went back and forth between the two banks for months and got nowhere. Now BMO harris sent my info to collections and closed my account and now i am in XXXX XXXX for something i had no controll over. I can not open accounts because of this. 

Also BMO harris owes me money because i had another acct being deposited into the acct and what they said i owe was being payed down so my balance went from XXXX to XXXX by time i knew anything and they sent it to collection and they knew i was fighting this and they still sent me off Transaction number to this amount transferred was XXXX This was provided to me by XXXXXXXX XXXX Thanks

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 2023-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please see the credit report attached from XXXX. 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, DEPT OF EDUCATION/XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Total Card, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX - After checking my XXXX XXXX account online I came across a change that was reported by one of my creditors, Total Credit Card by XXXX XXXX XXXX , stating that my credit card account with them was " closed. '' XXXX - I instantly contacted Total Credit Card and spoke to a Supervisor by the name of XXXX XXXX XXXX ). She stated that the account was closed on XX/XX/2023 because a credit repair agency reported a " fraudulent application claim '' regarding my account, therefore, they ( Total Credit Card ) decided to close the account. I shared with her that the date I came across was XX/XX/2023, not XX/XX/2023. She didn't respond. Call ended! XXXX - I received a correspondence in the mail, dated XX/XX/2023, from Total Visa Card , stating the completion of their investigation and their decision to close my account due to " my fraud application correspondence '' received. I'm extremely disappointed with this creditor. I have never initiated such, and there's nothing that I've disputed of this magnitude that involves any type of fraudulent application on my behalf. I've not dismissed or disputed ownership to this account. I applied for this credit card account, in hopes to assist in building my credit history and credit score. But, after receiving such a disturbing and disruptive correspondence in the mail, I'm lost for words regarding something that was intended to help me moving forward. XXXX to the present & ongoing - This closed account, which was supposedly reported only to XXXX XXXX not XXXX and XXXX has impacted my credit & credit score negatively. The account balance was being paid down recently, but Total Credit Card is reporting an increase of {$180.00} which also increased the credit utilization by 17 %. And because of this, my credit score instantly dropped a -38 points due to this false reporting. This false reporting has caused me great damage to my credit overnight. It's frustrating to try and get back to normality when all of a sudden, without any notice, my account with Total Credit Card closes and there are mixed signals circulating in all directions, not knowing what's going on. Total Credit Card closed my account behind a reason that I have not initiated or took part in. I have no knowledge of these accusations ( fraud application correspondence ) that were set before me and caused my account to close, and my credit report/credit score to be damaged and affected negatively. ****I have never came across such a callous group of people. It's striking to see how insensitive these people are. They have control issues over your credit and what they're able to do to intentionally destroy you, even with false claims. They will go through any measure of impacting your life, negatively and drastically, if they're given the authority as a creditor, abusing the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Caliber Home Loans, 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:
As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: KS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena.

2. In accordance with the written instructions of the consumer.

3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; Use of Consumer Reports for Employment Purposes Section 604 ( b ) ; 15 U.S.C. 1681b ( b ) Section 604 ( b ) has specific requirements for persons, such as financial institutions, that obtain consumer reports of its employees or prospective employees prior to, and/or during, the term of employment. The FCRA generally requires the written permission of the consumer to procure a consumer report for employment purposes. Moreover, the person must provide to the consumer in writing a clear and conspicuous disclosure that it may obtain a consumer report for employment purposes prior to procuring a report. 
Prior to taking any adverse action involving employment that is based in whole or in part on the consumer report, the user generally must provide to the consumer :

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 2023-08-11
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a mortgage assumption and given the lender all the information they requested but No One at the company has provided me any updates or advice when I can expect to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm writing you again for the fourth or fifth time about this matter and I want give up until this matter is resolve. I have sent you all the information and I have attached this in my complaint.In regards to the FCRA 5611 15 U.S.C 16811. I didn't give no-one to take my information so therefore you are invading my privacy. therefore you should deleted this information from my credit report. 15U.S.C. 1681 sec 602 a states I have the rights to privacy. 15 U.S.C. sec 604 sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. I'm sending it again showing everything more clearly. Please look into this matter and remove this information from my 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 2023-03-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Tuesday XX/XX/2023 I received a call from a man that identified himself as XXXX from Wells Fargo. He told me I had some suspicious activity on my account. He called from a number that is the common number called for Wells Fargo assistance. He asked me if I was in XXXX because that is where the suspicious activity was taking place. I told him NO. He asked me to authenticate my identity through sending texts and providing the code back to them just like Wells Customer Service requested from me the next day. He then said they were attempting to wire money out of the account. He put me on hold a number of times and then told me the wire had gone through. He said he was escalating it and it would be resolved and returned to me in 24 hours. At no time did I provide him any confidential information. He did ask if the last 4 of my SS XXXX was XXXX but I never volunteered any information nor provided my username or password. When I called WF the following day they had no record of the 'fraud '. When I reported it to WF fraud they took my info and said I would hear something in a week or so and also said there was a 95+ % chance the money would be returned to me. When I did call on Friday XX/XX/XXXX I was told that they traced it to a bank and the money was not there so the case was closed. Shocked! I asked to speak to a manager and was transferred to a 'Spencer ' and was met with a very brief response. We did not recover the money from the bank it was traced too and the case is now closed. We see that it came from your username so we can not return any funds because it appears you initiated it. I did not. 

Being a XXXX XXXX customer I think this was handled very poorly. I was never asked by anyone from WF to provide any specific details of the incident. There was no 'personal " communication at all. It was all basic questions and then days go by and was basically told. Sorry we did not find the money. I lost nearly {$25000.00} and was treated as if it was pennies. No explanations. No education. Nothing. My goal is to recover what was mine. It can not be that easy to remove a customer 's money from a highly secure institution. The customer can not be treated last! 

I have been told the case is closed because I authorized the transfer. I did not! but the customer is always last.

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 2023-03-17
Company: EQUIFAX, INC.
State: AR
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:
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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation