BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I am a victim of the XXXX breach and starting since XXXX and XX/XX/XXXX, I kept having " hacker ( s ), breacher ( s ) '' buying things using my XXXX and XXXX account. I have canceled my banks debit card well over 10 times in 3 months there were times were the hackers were making purchases so often I ended up having 2 debt cards at once. We fix that, they had also created a XXXX XXXX XXXX XXXX under my name ( luckly I caught it within a week ) So XXXX and XXXX fix that and close the card. Hackers were able to buy some things since XXXX adds the card to your account digitally as you wait for the hard card in your mail. I keept the card as a mento to be safe online while. I thought it was over. I ran some virus cleaners, ransom ware etc. 

But In XX/XX/XXXX my bank account was charged by XXXX i asked them why they stated i took out a XXXX loan which is now XXXX. I wrote to the the XXXX breach admin and still waiting a reply and instantly cleaned out all my hard drives and re-installed windows. XXXX XXXX didn't do its job or the hackers had remote desktop setup on my pc. Not anymore. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item XXXX be removed Frozen until they acquire the correct information/people to they gave a loan to.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. My credit score has gone down XXXX  points in 2 months. I've ask XXXX to let me view the loan/credit application I supposedly sent them,,, they never have gaved it to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not worked in 2 years and still can't so I would not qualified for their loan, i wouldn't have had any paystubs, checks, deposits or job to write in the application to XXXX Yet Experian won't remove the false 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 2020-03-31
Company: ALLY FINANCIAL INC.
State: KS
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:
I looked at my checking account today and I noticed that there was a electronic bill pay check written under my name to an unnamed source. The check was under my name and address.This check was dated on XX/XX/2020 and posted XX/XX/2020 I called my bank provider ( ally bank ) and after an hour or so conversation was able to open up a dispute on the charge. They also closed my old checking account and transferred the remaining funds to a new one for me.

They said the would get back to me within 10 business days and to call the company ( XXXX ) that the fraudulent check was written to. I dont have an account with them and havent heard of them until today. 

I spoke with a support rep and he said would escalate my issue to a higher up and took some information from me regarding my old bank account number the payment was made from and said they would get back to me tomorrow. 

Neither of these conversations left me feeling 100 % confident I would see my money returned and Im stressing out with the end of the month coming up as I can no longer afford rent due to this. 

Additionally, I've attached an image of the fraudulent check that was electronically filed under my name.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2018-05-01
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been experiencing billing issues with XXXX XXXX XXXX in XXXX, WI since XXXX which resulted in many of my claims being sent to multiple collection agencies. I was on a negotiated payment plan with XXXX XXXX and making monthly payments. In XX/XX/XXXX they sent over {$3000.00} in medical claims off to multiple collection agencies without a phone call or letter. We are working with the XXXX and XXXX XXXX XXXX to get to the bottom of that problem. What I didn't realize before the claims were sent off to collections was there are several that were paid in full many months ago. To make matters worse, the alleged amounts due have been reported as negative on all three credit reporting agencies. Two claims were given to Professional Placement Services. They were advised by telephone back in XXXX that I am disputing the debt. One claim was paid in full ( XXXX ) on XX/XX/XXXX but it still went to collections. The other claim ( XXXX ) was paid in full on XX/XX/XXXX. After reviewing my credit report I noticed a few issues that are very concerning to me. Professional Placement Services has not reported that this debt is being disputed. They also changed the open date from when it was previously reported by XXXX XXXX & XXXX. If I am not mistaken I believe that they are re-aging my medical claims. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Keep in mind these claims were paid in full long ago! This company calls my house every day, Monday through Sunday. They call several times a day. I get calls on Sunday 's at XXXX XXXX. All for debt that I paid off a long time ago. I have never received a statement from Professional Placement Services for these two claims so I can't attach them for reference.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Report Act XXXX, AccountXXXX, 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.

This is a fraudulent account ; I did not open any account with this company.

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 2023-01-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-07-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Genesis FS Card Services, Inc.
State: NH
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:
I got an alert a late payment was reported on an account when I checked my credit report I saw an account I did not recognize.. I XXXX  the company.. called them and they said my address was not the one on file.. I explained I never applied for nor had a card with them..they sent me to the fraud dept. I explained to the fraud rep the situation and he was very rude I asked what I needed to do and could I have the account number and the address to put in the police report he stated no.. that is private info and hung up. I reported the fraud to XXXX and disputed the info... I received notice that they verified the account and it is accurate.. It is NOT accurate, it is not mine ..this is fraud/ My credit monitoring does not show any credit card approved for this lender.. no inquiry nothing until the late payment was reported. I check they date it says the card was opened which would show on my credit monitoring. I had my credit file locked at the time this shows it was opened so no credit cards should be able to be issued if my credit file is locked. I can prove this with my XXXX  account. I need help to have this resolved and taken off my report. Also, the company that issued it is still showing the account active and open despite 3 calls informing them it was stolen identity and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My paycheck comes on Monday or Tuesday night late it is submitted on Saturday night or Sunday over XXXX XXXX weekend on Sunday I received I believe the first text saying that I had 2 accounts and they need verification that I am who I am. I had ordered a chime account they sent a card I lost it I ordered another one. They did not cancel the old card but rather kept the {$570.00} on it and issued a new card along with my credit builder card which I activated at approximately the same time since they did not cancel and transfer the old card it made me have two accounts and the representative I talked to told me it was on chime and that they had made the mistake they asked for my ID proof of residence social security card signed. I sent all of that in and still have not got my account unsuspended. I replied to every email along with sending emails and called nine different times I'm not getting anywhere I face eviction court in the morning because my rent is not going to be paid due to the fact that my direct deposit is not accessible and the old part of XXXX is not accessible and hasn't been for months when I called to see what was going on and why it wasn't transferred that's where I got the explanation and then they suspended my account for having two accounts. I have not had water for a week and I'm facing eviction now and not a XXXX to my name because they will not unsuspend my account and return my money or just return my money they can not help me over the phone they say they don't have the equipment or means to receive the things they need over the phone even though it says in the email to provide the information in the email and then call customer service the email says to provide what they need and then call customer service which I have done numerous times nobody can help me and my money is not being released and my account is not being unsuspended and all this because of their error I have a XXXX XXXX XXXX daughter and I'm about to lose my house I think this is means enough to contact you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: MD
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:
Three accounts on my credit report or report it as late payments this information is incorrect they were included in bankruptcy and should not be reported as late payments

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 2020-09-16
Company: EQUIFAX, INC.
State: GA
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:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
at branch # XXXX XXXX on XX/XX/23 at XXXX, I was directed to deposit {$2400.00} cash into a customer account. against policy, the teller took the {$2400.00} cash and deposited it. 
on XX/XX/23 I visited a different branch and was advised to follow up at the branch and teller completing the deposit. 
I was told by the customer that my deposit was cancelled on the 5th day and i could take my receipt to the teller for a return of funds. 
I returned to the original teller, was advised to talk to their customer to get my money back but I got no response over 4 days. 
Today I made a final plea for the bank to return the funds that their customer fraudulently accepted and that the teller ignored the banks policy on accepting cash deposits from non- customers- creating an issue that allowed their customer to scan {$2400.00} for rent on an apartment that didn't exist. 
While I appreciate the compassion of the teller, this transaction set the stage for me to be scammed of {$2400.00} - and that the bank and/or customer should return the cash to its owner.

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 monetary relief
Consumer complaint received 2020-02-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was looking at my credit report and noticed that I have a late payment on my report from a account that I paid in full. This is really hurting my credit. Wells Fago Educational Financial Service is stating that i have late payment on my history with them but have no proof that it was late. I had the payments on auto pay and I was never Late one time on my loan. The account was paid in full but its is inaccurately reporting on my credit report. This is causing me major problems in my life as i try to obtain more opportunities to expand my real estate portfolio. Please remove this from report. 

acct # XXXX It is also showing a partial account on my report which i did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello. I am sorry that I do not know English, and you know this well. So, I am forced to get assistance, and so they are aware of this as well, of what you are doing to me unjustly.

Why is it that my credit report does not show my active American Express credit card that ends in XXXX? 
Fix this immediately. And report the correct information to the three credit bureaus, because they removed the account from their credit reports as well. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, 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:
XXXX FAILS TO REMOVE THESE INQUIRIES FROM MY CONSUMER CREDIT REPORT AND I HAVE DISPUTED THEM MULTIPLE TIMES AND I HAVE EVEN SENT THEM THE LAW THAT SHOWS THEY ARE IN VIOLATION AND THEY KEEP IGNORING MY REQUEST. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( NOTE : PRIVACY ACT OF 1974! )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX XX/XX/2019 I took advantage of a Regions Bank credit card offer of 0 % for 12 months on another card balance transfer. I have been charged interest for the amount of the transfer for all but one statement since then.

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 2020-03-31
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shell point mortgage servicing was given our account from XXXX We have a problem with our escrow account Shell point has increased our monthly payment by {$120.00}. They told us they had to do this because our insurance and taxes have increased, but we called our insurance office and we were told our insurance actually went down by {$2.00} and looking over the taxes for XXXX the taxes were {$2800.00}. ( If paid late ) The taxes for the year XXXX, were {$2800.00} ( if paid late ) Shellpoint is  demanding a {$850.00} cushion plus and extra {$640.00}. even though our taxes are nearly the same and our insurance has gone down. They want {$640.00}. more and a cushion over the 12 months. When we call and ask questions, they become rude, will not go over the numbers with us and then just hang up. Over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation