BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: BARCLAYS BANK DELAWARE
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:
Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a PO Box exists in XXXX Georgia under my name and it is not mine.

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: 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:
My name is 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 this account. 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 reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX Date Opened : XX/XX/2019 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: FinCo Services Inc DBA Current
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On about XX/XX/XXXX I noticed several unauthorized charges made on XX/XX/XXXX, XXXX, & XXXX. On The same day I had my card canceled and submitted disputes for all 49 charges. The Current customer support team member asked had my card been stolen I advised him, No that I still had my card. So I received an email about each of the disputes on XX/XX/XXXX stating that the disputes had been completed and based on the facts of the investigation, they concluded no error occurred, therefore no credit would be issued, and that this matter is considered closed. I emailed them back letting them know that I didnt make those purchases, have no idea who could have, and that I was already in a bind on money and could barely make ends meet as it was and now {$2200.00} was just took from me by some place Ive never even been to, nor heard of. That money was needed and I was counting on it to pay my rent and bills that were due. Im a single mother of 4 children and work my tail off everyday trying to keep a roof over our heads, so for this to happen and nothing I could do about it, it really hurt me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Account Discovery Systems, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2018 a guy named XXXX called and left a voicemail on my phone stating he need to get ahold of me for paperwork to be sent to my employer for verification. At no time in the voice mail did he identify as a debt collector or state what the call was about. I called back on the XXXX XXXX XXXX a recording told me to hold for the next person again never said it's a debt collector. Then a guy who said his name was XXXX XXXX answer and again nothing about being a debt collector was said. At this point I didn't know who they are or what they need I asked for XXXX as he instructed in the message. The guy said he was gone for the day but he works closely with him what do i need. I told him about the message and then started that i felt like this is a debt collection and if it is that is against the law for them to not identify as such. He then got very rude and stated that he could not help me that I would need to call back tomorrow of wait for the next call from them if I wanted to know what the matter was about. He then hung up on me. I called back and informed him that if he was indeed a debt collector to seize and desist their attempts to contact me over the phone or with my employer. That still never said they where a collection agency and also never informed if the call was recorded. The company is Account Discovery Systems LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent several letters to experian/XXXX ... ... Experian through the XXXX scoring system is displaying that I have 116 late payments. I have gone through my consumer report and have noticed that they are reporting lates as far back as 16 years ago. 
It is my understanding that lates, old accounts fall off in seven years therefore it clearly shows the experian is bias and prejudice toward and is purposely trying to hold my score down.

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 2021-12-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In early XXXX XXXX a fraud account was opened under my name, I came to know this after I received a letter from citizens bank to activate a new debit card I called the bank directly on XX/XX/XXXX I informed this is a fraud account, but it seems the fraudulent people were faster they opened 5 accounts under my name and start to issue fake cheques to my name all the cheques were bounced back unpaid, I called the bank 4 times every time I receive a letter from the bank. Because bank refuse to take action and close the accounts fast claiming they need more time for investigation, the result of their ignorance on XX/XX/XXXX I received a call and letter from XXXX collection company asking me to pay XXXX $ debt for a XXXX XXXX XXXX XXXX. please I need your help I don't know how to protect my identity after my personable information was breached by scam email on the internet, and these people could still open fraudulent accounts even if your credit report is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, I logged into my account online and noticed a check # XXXX dated from last year ( XX/XX/XXXX ) " in process '', for {$3000.00} from my account. 
I reviewed my previous year 's statements and found out that the check was paid/posted by bank last year, XX/XX/XXXX. 
I contacted bank 's customer service and spoke with XXXX and explained to her what happened. She agreed that the check is being processed twice and started a bank investigation process with Reference # XXXX. 
On XXXX, I logged into my account online again and found out that check # XXXX was " cleared an paid again '' for {$3000.00} on XX/XX/XXXX. I called bank 's customer support again and logged another investigation and was given complaint # XXXX. 
I was told both times that bank 's investigation can take up-to 10 business days. I asked the customer service to restore {$3000.00} payment to my account while they conducted the investigation so that I can pay my scheduled bills. My request is being declined. 
See attached copies of check being cashed in years XXXX and 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 2023-10-24
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23, my credit card with another company was taking out a sum more than I requested, which would have left me without any money in my account. I spoke with the credit card company to alert them ( I thought I had cancelled the transaction but it still went through ). In another attempt to prevent problems, I contacted Wells Fargo ( WF ) and put a stop payment on the transaction and was assured it was for that transaction only. As I attempted to make payments from WF, they were continually being declined. I've made four attempts in less than one month to pay my account. A payment I scheduled to take the place of the other payment was also canceled, so it was really 5 attempts that were denied. It wasn't until today that I was told that WF put a stop payment on ALL payments to my credit card company. I was assured that this would only be for the one transaction. 

As a result, my CC company decided to close my account, which will reflect on my credit. At no point did WF ever reach out to me while this was happening to find what was going on and to see if they could help, nor did the decline texts ever say it was because they had placed a stop payment on the account. Had that been the case, I would have immediately reversed it. Now, my credit is in jeopardy, all because they did something I did NOT ask them to do. 
And not only is my card closed, I can no longer use it. Until now, I had never had a late card payment, which I've had the last 7 years.

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 2023-06-16
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
1, The debt collection communication violates federal law. The debt collector, UNITED COLLECTION BUREAU, called me at XXXX XXXX, XX/XX/XXXX and left a voicemail. I complained to them about the time but they called me again at XXXX amXXXX  XXXX. XXXX, and left a voicemail. The evidence is attached. 

2, The debt doesn't exist in the first place. Per the agreement between my insurance company and the hospital, if the hospital submits claims late, they should eat the cost themselves rather than collecting from me. A statement from my insurance company is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I sent a certified letter to AWA collections to verify the alleged debt they are reporting on my credit report. Its been more than 30 days and I have not received any response from them. They are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have attempted to worked with PENNY MAC to restructure my loan with an affordable loan modification. PENNY MAC refuse to grant me loan mod and forwarded my loan to a lawyer for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-07
Company: William D. Meeker Enterprises, 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:
I have recently conducted a thorough examination of my credit report on XXXX and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple accounts, inquiries listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX, I promptly dispatched a formal letter to the credit bureaus in which I requested a comprehensive investigation into the accuracy of the information associated with the inquires I have enumerated below. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX CIC Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CIC Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: DC
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX sent a letter to Experian asking them to provide the method of verification for the alleged bankruptcy that is currently showing on the report. they replied stating the bankrupty was verified by XXXX XXXX I recieved a letter from XXXX XXXX stating that they dont have any records of a Bankruptcy. Then Experian stated they received it from the Courts in DC I received a letter from the courts stating they do not provide infomration to the credit bureaus. I have explined this all to Experian and have yet to hear anything from them in reference to the letters I have sent and the acccuracy of my credit report. I would like for Experian to delete the inaccuracy bankruptcy that they have showing on my credit report as it is a violation for the credit bureaus to have inaccurate information on 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 2023-06-16
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 and XXXX, XXXX sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately sent me correspondence stating that US Bankruptcy XXXX do not report or provide information to credit bureaus or any other agencies. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. 

You have violated my given rights under 15 U.S.C. 1681.

According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions.

According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This loan was paid in full as of XX/XX/XXXX following a total loss insurance payment. During the insurance process was advised by credit acceptance that account referred to insurance department and account would be on hold. Credit acceptance received this payment prior to XX/XX/XXXX and yet proceeded to report the account as delinquent and open. The current reported balance, status, and payment history have all been inaccurately reported. We brought this to their attention and were advised to file a dispute with the reporting bureaus which has been done. These reporting actions directly violate the FCRA and show a willful and malicious reporting behavior.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?

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 2023-06-16
Company: Experian Information Solutions Inc.
State: TN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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