BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: MA
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 2 issues a {$7000.00} XXXX XXXX school out of XXXX MA loan paid, and prior loan through XXXX XXXX out of XXXX MA XXXX to that loan was paid in full in the amount of {$12000.00} I was XXXX XXXX XXXX it might have been a title loan for a custom XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a modified small block XXXX XXXX motor XXXX none of this is in my credit report. I also sent Fraud activity that XXXX XXXX XXXX commitment acts of to XXXX XXXX XXXX but not before I tried working it out with XXXX XXXX XXXX I want this reported to attorney General after criminal action this is going to become civil action due to cause the denial of my mortgage cause of XXXX XXXX XXXX my criminal charges and civil suet are only towards XXXX  XXXX XXXX  the other companies I just want my credit reported to the credit Bureau for XXXX XXXX XXXX the other company XXXX XXXX XXXX XXXX loan.In regaurds to XXXX  XXXX XXXX there is no compromise you ruin me getting my first home with your fraudulent practices I'm XXXX I have nothing but 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 2023-04-05
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
Company: Experian Information Solutions Inc.
State: OH
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/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried to pay off my loan with BMO. The amount still owed was XXXX was sent to them on XX/XX/XXXX. My bank said it was clearly written out for that amount but they requested from my bank XXXX. My bank said to call the company and let them know they made a mistake and they would send back with insufficient funds. I did this. The first woman I spoke to said that it was obvious that someone mistook a 1 for a 4, and that they would take care of it, and if it did not get taken care of before the next payment was due there would be no late fees. I waited until today ( XX/XX/2023 ) to let them fix their mistake, but had heard nothing. I called on 3 different occasions today and was hung up on 3 different times.

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 2023-02-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account 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 a account without my written instructions.

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 2020-01-09
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 my employer received a letter from Converget. In that letter contained the amount of money I owed in debt. XXXX and that the balance was reduced to XXXX. I'm currently employed at the company witch my wife 's father 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 2023-11-06
Company: Upstart Holdings, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Upstart issued a {$4000.00} line of credit to an ONLINE FRAUDULENT IDENTITY THEFT person who claimed to be myself. Loan apparently taken out/issued on XXXX On that date, I was already XXXX XXXX XXXX as XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. I am currently XXXX XXXX & my mother has POA. Upstart REFUSED to discuss ANY details on this loan with her, even though she is LEGALLY bound POA while I am enlisted. Upstart demands a police report - which they have been told REPEATEDLY THAT THERE IS NOT A POLICE REPORT filed since loan was fraudulently obtained online. My employer & residential address were INCORRECT but loan was STILL GRANTED with my full name & social security/dob. My POA has been working with all 3 credit bureaus to get this investigated/disputed/removed from my credit report. The derogatory comments from Upstart have not only RUINED my credit, but now my XXXX XXXX XXXX is in jeopardy & my XXXX rank are all being affected. After documentation was sent to Upstart by my POA, proving this loan is FRAUDULENTLY in my name & social security #, SEVERAL different times, Upstart STILL REFUSES TO REMOVE loan from my credit. I was forwarded to this site by XXXX ( via my POA on phone conversation XXXX  ) representative, stating once this is filed & received in paper form by XXXX XXXX that THIS LOAN WOULD BE REMOVED FROM MY CREDIT. I had already filed a complaint with XXXX  & FTC in XXXX XXXX  & 4 dispute/investigations later, the Upstart loan is STILL ON MY REPORT. Please help me rectify this erroneous fraudulently obtained line of credit loan by removing this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: SC
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 1st 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, M XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$460.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$540.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing 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 Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX Balance : {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 2022-11-14
Company: Aldous & Associates, PLLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aldous & Associates ( " Aldous '' ) has repeatedly taken steps to ruin my and my partner 's respective credit while the alleged underlying debt is disputed ( it would appear that Aldous suggests the disputed account was joint, and thus it decided to attack both of us ). In fact, we want to report our belief that Aldous violated 15 U.S. Code 1681s2 ( and other consumer protection applicable law ) in their blatant disregard for consumer rights and handling of this issue.Aldous has continually ruined our respective credit by reporting the disputed debt as delinquent when they knew or had reason to believe that their information was inaccurate. Once we became aware of Aldous, we respectfully and painstakingly informed them that the debt was not ours, and asked for additional information both electronically and telephonically. We even had an attorneycall Aldous to fact-gather. Aldous has blatantly and systematically ignored all of our requests and statements regarding the inapplicability of the alleged account. Instead, Aldous decided to take the predatory route in attacking our respective credit reports ( which some might consider, as performed here, financial XXXX  ) before providing us with information and addressing our information that the account underlying is disputed. 
Overall, the alleged bill is based on services that were not rendered. As our credit reports show, we pay our debts. We refrained from paying this alleged bill because we needed further information from Aldous, which it decided it simply did not want to provide us ( and because we do not owe thealleged figure. Again, we always pay our debts as history shows ; this is a matter of right and wrong. We will not pay something that is not owed. And, we are disappointed that an entity which holds itself out as being a law firm ( Aldous ) would adopt such scofflaw practices in clear disregard to well established U.S. consumer protection principles and rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, i tried to withdraw all {$3000.00} of my own money which i had stored onto Cash App. They suspected " unusual activity '' and Cash app locked my account saying " My account is locked and it will take 24 hours for support to contact me. However i still have access to see my balance. '' The next day which is today .. I received another email stating saying " Email Address Unlinked XXXX has been unlinked from your Cash account. If you did not request this change, please let us know. '' Now i have no access to my account or my funds, this is an extremely concerning matter and i'm left in the dark about this who situtation. Also no one from support has contacted me within the 24 hours stated. 


I've tried to contact them numerously, no response and now i'm just missing {$3000.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone and wallet were stolen at a restaurant. My cards were all used to charge cryptocurrency purchases through my XXXX XXXX on my phone. These cards were associated with XXXX XXXX, XXXX and Chime. XXXX XXXX and XXXX were excellent in recovering the stolen funds. Chime will not even investigate. They are immediately denying the claims and only providing the transcript of a questionnaire the customer service agent went over with me on the phone. I provided Chime with a police report and letters of determination in my favor from XXXX XXXX and XXXX. They will not even look at these. They will not even attempt to charge back the transactions. And I got frustrated with them and they threatened to take action against my account. Please help me take action against Chime to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: MA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: GA
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:
Filed a credit card dispute with Wells Fargo XXXX XXXX XXXX from a purchase made on XX/XX/2022. It was recently declined and letters have not arrived in a timely manner. In fact, a decision was made to deny on XX/XX/2022 and I was never notified until I sent a request on XX/XX/2022. At this time I was provided a response by the merchant and the Vehicle Purchase Order ( page XXXX ) was obviously altered and does NOT match the same document that I have in my possession and was provided to Wells Fargo XXXX XXXX XXXX. This material fact of alteration seems to be continuously overlooked for some reason. By altering this vital document in this dispute, its outright misrepresentation and Fraud. 

At no time was I ever advised of any official means of appealing this dispute as is required by XXXX XXXX. Does Wells Fargo XXXX XXXX XXXX follow the Dispute procedures as outlined by XXXX XXXX or are they following some other procedure? 

On the first page of the ! st attachment this was in the text : We are unable to obtain a refund on your behalf because we have confirmed the merchant provided the services for which you were billed, and you accepted the services. 

At NO time did I accept an altered material change in the Vehicle Purchase Order ( page 5 ) that was sent to Wells Fargo XXXX XXXX XXXX. 

The actual document that is in my possession is in the 2nd attachment and is NOT altered.

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 2023-10-25
Company: EQUIFAX, 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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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 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. Please delete the accounts : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00}. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}

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