BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
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 any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : 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 2023-04-07
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-01
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:
Dear CFPB, I am writing to dispute the accuracy of the information on my credit report regarding a fraudulent account. XXXX XXXX  Reported : XXXX XXXX, 2022 + {$110.00} Closed XXXX Reported XXXX XXXX XXXX, 2022 + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, 2022 + {$610.00} Closed XXXX XXXX XXXX XXXX XXXX is appearing on my credit report, but I have never opened an account with these bank. 

This error violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Electronic Fund Transfer Act ( EFTA ). The FCRA requires that credit reporting agencies and furnishers of credit information ensure the accuracy and integrity of credit reports. The FCBA requires creditors to promptly investigate and correct billing errors upon notification. The EFTA provides protections for consumers regarding electronic fund transfers. 

I am extremely concerned about this matter, as it is causing significant harm to my credit score and financial wellbeing. This is unacceptable, as it violates my rights under federal law and puts me at a significant disadvantage in obtaining credit on favorable terms. 

I have tried to resolve this issue with all of them to no avail, and I have also filed a police report regarding this fraudulent account. I have attached copies of the police report and any other relevant documentation to this complaint. 

I am requesting that you take immediate action to investigate this fraudulent account and work with the credit reporting agency to have it removed from my credit report as soon as possible, as required by the FCRA and CFPB regulations. This account is causing significant damage to my credit score and making it difficult for me to obtain credit at favorable rates. 

I am counting on your assistance in resolving this issue quickly and efficiently. As a consumer, I have the right to expect that my credit report is accurate and complete, and I expect the CFPB to vigorously enforce federal laws to protect consumers from such fraudulent activities. 

Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CT
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18
Company: Experian Information Solutions Inc.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-03-01
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Convergent outsourcing llc XXXX cell phone company owned by the mobile now I'm hoping that I have put the right stuff so this is take to the right people I had no knowledge of it I had this removed from my credit a while back then they changed the amount put it back on there I called the convergent explained it to them then was talked Into paying a lowered amount with them saying it would be removed and I wouldn't have to deal with it again. Like i had in the past I payed them and have proof then they turned around and told me after I payed they would not give me a delteion letter that it would get reported I o XXXX on it I was like I was told this would be removed they said they do not own it XXXX does i asked for proof they refused a letter stating such I contacted XXXX they refused to take it off and told me I have to pay them XXXX and some dollars more Account XXXX XXXX  Does have no opens to see what's ever owed they know I turned in and cut off services 3 days after getting it XXXX System states money owed for services 1 month started service XX/XX/2019 called canceled XX/XX/XXXX they said canceled on XX/XX/2019 when they got phones in mail after stating they didn't get them I have tracking number still if needed # XXXX There Account. XXXX convergentusa.com XXXX XXXX XXXX XXXX original talked to Called back in Payed XXXX XXXX XXXX XXXX to XXXX XXXX being transfered to XXXX XXXX to close out Account from XXXX Confirm XXXX payed in full 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 2023-02-26
Company: ORG GC GP Buyer, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX - initial complaint This is an additional complaint regarding an illegal repo from XXXX XXXX XXXX XXXX XXXX XXXX after a billing error complaint to XXXX. Repo occurred after XX/XX/22 statement included approximately 2 payments labeled past due but month before statement showed 0 balance past due. Error was brought to XXXX attention and verbally escalated to intent to sending in writing and repo happened after consumer being told that error was fixed and before 60 days were given to submit it writing on XX/XX/22. Illegal repo along with personal belongings being held. Absolute refusal to access to personal belongings. XXXX repoed vehicle and sold vehicle and send demand letter for {$29000.00}. Complaint was filed with Consumer finance. I have now received a demand letter from {$29000.00} From GC Services Limited Partnership identifying themselves as a debt collector. Stating they are trying to collect a debt that I am being accused of owing XXXX XXXX XXXX XXXX XXXX. Information regarding this harassment letter is as follows : GC Services Limited Partnership XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX GC NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Account- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is practicing Rackteering committing extortion and coercion violating RICO act. This is a clearly a repetitive behavior that has already been addressed by the consumer financial protection agency that identified XXXX guilty of hundreds of illegal repossessions as well as other things. This is a true example of this criminal organization engaging in a repeated illegal behavior. This should be investigated by those who have not accepted bribery from these criminals who have some reason to believe that they can violate the RICO act, not adhere to Consumer Protection Law, and expect no consequences when continuing criminal behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A : On XXXX XXXX, XXXX, Wells Fargo mailed me a check ( number : XXXX ). 
XX/XX/XXXX Husband XXXX XXXX deposited into his current account ( XXXX ) via mobile phone. 
B : On XX/XX/ XXXX, Wells Fargo debited {$25.00} from the checking account ( XXXX ) on the grounds that this check was deposited twice. 
C : I also don't have any money deposited with XXXX. I have the current month 's statement as evidence. 
D : Wells Fargo said that the money has been remitted to XXXX, so, Wells Fargo : The payee and account number of the money you remitted to XXXX? tell me. 
E : Since XX/XX/2022, I have requested money from Wells Fargo 18 times. Wells Fargo pushed it to five departments and has not given a clear answer so far. They have a bad attitude and no one takes my request seriously. 
This thing wasted a lot of my energy and time. 
F : I am now asking Wells Fargo to return this money to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank of America - Online Fraud claim # XXXX POLICE REPORT # XXXX NAME : XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX - I observed in BOFA online , there was unauthorized/ fraudulent transactions in process ( BILL PAYMENT debit to two accounts : XXXX XXXX XXXX  : {$6000.00} + XXXX XXXX XXXX Card : $ XXXX : {$10000.00} ), so immediately contacted thru phone on customer service fraud department and they told we can not do anything at this point and once it will post/ transaction completed then we can take action. 
So, on XX/XX/XXXX - called again customer service, reported same thing and they took case ( filed claim # XXXX ) and said starting investigation. 
on XXXX went to XXXX XXXX md police satiation and filed a case related to the same thing. 
and called customer service a couple of times, no updates XX/XX/XXXX - called again, BOFA told case is in under review and BOFA requested docs to fax : Faxed police report XX/XX/XXXX - one of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called me and said starting investigation, after that no updates XX/XX/XXXX : I called again- they told claim got denied as " the funds were sent out same from my account. I explained everything again they told will reconsider claim and will start investigation time frame : 10 days for investigation, 45 days finalize.. ''

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 2023-05-23
Company: AMERICAN EXPRESS COMPANY
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
I have used my credit card when I was in a line with XXXX XXXX XXXX but later moved to another line with XXXX XXXX XXXX but my card was not removed from the Old line. Even I have asked the persons in the old line to remove my card. Even after lot of calls and messages with the persons in the old line they have not removed my card. So, I have changed my card to stop the recurring payments from XXXX XXXX XXXX. I have also called my credit card customer service which is AMEX and asked them to block my card for further transactions for XXXX XXXX XXXX and they blocked the card for those Transactions on XX/XX/2023. I have even asked the AMEX to resolve this problem. I have not used that transaction and raised dispute with AMEX with that transaction which happened on XX/XX/2023. After blocking the card the customer service agent said that further transactions will not be happened because it is blocked. 
Later in the month of may also I have reconfirmed about the recurring payment block by contacting AMEX and they said as it is blocked no further transaction will be happened with XXXX XXXX XXXX. 
Even I have tried to contact XXXX XXXX XXXX about the transactions on my card which I have not used from my side. They are not giving a perfect resolution for my problem. 

Again on XX/XX/2023 there was again a transaction happened on my card which I have not even used. I have again tried contacting both XXXX XXXX XXXX and AMEX but they not giving any resolution for the problem. 
If I call XXXX XXXX XXXX about the problem they are asking to contact the credit card company to do something about my issue. And If I call AMEX they are saying to contact XXXX XXXX XXXX about the issue. 
The transaction is {$180.00} and some cents on the month of XXXX XXXX and {$180.00} and some cents on the month of XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX Then 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 explanation