BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit 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 2023-08-16
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I recently tried to get money at an atm from my government prepaid card and was not able to make a withdrawal. I called the number on the back of the card for help 3 times in XX/XX/2023 and they said the account was closed and to search help from the agency who provided the money. They provided limit info on why the closed my account. The prepaid card is not expired. The total on the card is {$4200.00}. I went two times by appointment to the state agency and had them say the bank is in charge of the funds and not the state agency. They did have me verify my identify for the bank thinking this would solve the problem. It did not. I am having trouble getting help from the bank and the state agency. No one knows what to do with my issue.

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 2023-10-13
Company: EQUIFAX, INC.
State: AZ
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:
There are fraudulent accounts and inquiries on my report as this is impacting me on a daily basis. As I seen on the internet and the laws state that all information on credit report must be 100 % accurate. Please fully investigate these accounts and remove from my credit report due to unauthorized information that is being reported inaccurately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Affirm Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 an ACH transaction, amount {$3600.00} from my XXXX  XXXX XXXX account to Affirm Inc without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: WELLS FARGO & COMPANY
State: TX
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 have a XXXX account with Wells Fargo Bank. 
On XXXX XXXX I had an unauthorized ACH payment for {$23000.00} processed through by business account. Someone used a XXXX XXXX XXXX XXXX  account to perform this transaction.. I finally received a text message from Wells Fargo at XXXX on XXXX XXXX. Some three business days later. All of the standard basic actions have been taken on my part with Wells Fargo. I'm now waiting on XXXX XXXX to finish their investigation and then they will report back to Wells Fargo. ( 60-120 day ) Wells Fargo have yet to explain to me why it took them 72hrs to text me a notification. When ACH payments are processed within 24hrs. 

Thanks, 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 2023-02-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My bank account is always getting overcharge with overdraft fees that make me super XXXX because I dont get charge for anything I pay for until Wells Fargo feels like they want to put it throough. When I buy something it should XXXX straight out of my money and not when I dont have money so then I get a overdraft fee because they dont process it until I have no more dollars in there. I get paid on the XXXX of every month and I end up negative three or four hundred dollars because they dont process the charges until I dont have any money in my account.

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 2023-07-26
Company: EQUIFAX, 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:
The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I filed a dispute with Penn Credit Corp because this account is not a collection or a charge/off and older than XXXX. It was accurate and removed from my credit. 
This account continues to be sold and added back to my credit with a different collection agency and dates of service which drops my credit score drastically. This account should not be on my credit this account keeps being sold through peopled gas since they can not file under an old account. This account is past the limitations to be on my credit. They keep selling and adding to my credit. I filed against peoples gas first XX/XX/XXXX this was removed then now added again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I spoke with personnel from XXXX, XXXX, and Transunion about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.

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 2023-08-16
Company: The CBE Group, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is claiming I owe {$1000.00} for services I never received ; clearly it was identity fraud. The charge showed up on my XXXX credit report when I applied for an auto loan through my credit union. I called CBE Group, the collection agency, and was told the charge was for a cable/utility for an address in XXXX, XXXX, from fall 2022. I have never lived in XXXX  and have never been a XXXX XXXX customer . Part of completing my ID theft information form is completing an incident report, which I assume is what I am doing right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from XXXXXXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX and Experian ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.

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 2021-07-25
Company: Bread Financial 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:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: GA
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:
I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: GA
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 of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-07-20
Company: ARC Management Group, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was seen at the XXXX emergency department. On XX/XX/XXXX I received 100 % patient financial services through this hospital. The patient financial services covered all dates of services through XXXX. A debt was sent to collections for this DOS. When I contacted XXXX they were unaware of this debt. Upon further investigation, it was found that the ER physician was contracted through XXXX and sent the bill out. When I contacted the ER physicians company and informed them of the patient financial service they told me they were unable to help as they had already sold the debt. ( I received no bill from this provider ). The bill would have been 100 % covered under the patient financial services. I was contacted by XXXX law. I submitted proof of this on XX/XX/XXXX, they did not follow up on this matter. I contacted them again today, to which they told me they need more proof of coverage. Furthermore, an additional debt collection agency has ( ARC MANAGEMENT ) submitted this same debt to the credit bureau, with zero correspondence to me. I contacted ARC and have yet to receive a response. I contacted XXXX XXXX and they were unaware of who ARC management was. At this point I believe my debt was sold to multiple debt collectors whom are all trying to receive the XXXX $ from me. This has negatively affected my credit score. Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BJ 's Perks Master Card by Comenity Capital Bank lost my payment. 
Electronic bill payment was made from XXXX Checking account on XX/XX/XXXX payment amount : {$1100.00}. Lost payment dispute was open in XXXX and still wasn't resolved. On XXXX Comenity Capital transferred all BJ 's accounts to XXXX XXXX. Now I have a new card and a new account, but still, I have the same debt. All my calls to Comenity or to XXXX XXXX didn't yield any result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: VA
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 have been divorced for 15 plus years from ex wife. I completed a change of address to the Post Office and she did as well. This is and has been a strain on my current marriage and has been all the while the mail has been coming to my addresses. It was one of the reason I sold my home in XXXX, was due to the mail coming to the address. My current wife never felt the home was hers, after change over change to the home. Then we moved to another county in XXXX  and mail kept on coming. I felt it was just the mail being forwarded. We didn't do a forwarding address when I moved to XXXX  and mail continued to come with my EX 's name on it. It has been very troubling and disturbing to say the least. One of the credit bureaus has been using my credit to service 3rd party information with out my consent. This has been discouraging and troubling on so many levels of my personal mental state and marriage. I have attached one of the pieces of mail. The problem is that I wouldn't have known how to attempt to fix this if I had not been introduced to the world of credit on a higher level. I know there are others like me that have been taken advantage of or don't know how. You don't know what you don't know.

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 2021-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX Hello Equifax, Recently, I viewed a copy of my credit report and noticed some old information that I need removed. I am certain that this account is affecting my credit scores, denying me of loans that I need for business expenses and costing me too much time and money every year. 

Listed below is the account that I have identified, and want to have removed. 

XXXX XXXX XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I ask kindly that this account be removed from all current and future credit reports. 

Also, I would appreciate it if you would please forward me the information of any individuals and or organizations you reached out to so I will be able to follow up with them on my end.

I am certain that 30 days is plenty of time for your company to look into this account.

I believe that under Section 611 ( a ), it is clear that the failure to investigate this account within 30 days constitutes a reason to permanently remove the information from my credit report.

Company response to consumer: Closed with explanation