BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is not mine authorize user card

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 2022-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian has taken it upon themselves to take {$23.00} out of my checking account in XXXX and they are trying again to take another {$23.00} out of my account-Only the funds arent there. I tried to email them after the transaction went through at the beginning of the XXXX XXXX. I want a STOP put to this and a refund. I NEVER asked for their services and I live on a fixed incomeXXXX. Thank You.

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 2017-12-06
Company: Stellar Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It states in 2016 I opened an account and owe {$690.00}. This information is false. They have now placed this information with collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( 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 XXXXXXXX ) 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Capital one bank360 Spark business checking has a balance of negative $ - XXXX and my savings has only XXXX cents my transfer deposits XX/XX/XXXX {$1500.00} and same time anorher {$1500.00} deposit to my business checking totaling to {$3000.00} but because of the negative {$220.00} balance posted Reduced which i expect to {$2700.00} they hold my account force me to call the bank and told me they gon na closed my business checking and they will send my checking account balance through a check. Then XXXX I deposited {$770.00} and {$400.00} into my savings account after they Closed my checking account for some reason savings account balance was {$1700.00} and stays the same for months by XX/XX/2022 I am withdrawing {$1700.00} but I type in wrong amount I typed in {$1100.00} instead of {$1700.00} so I quickly hit withdraw again entering {$600.00} XXXX this but at the same time the screen of my phone is as someone controlling the system and sudden cause which kead to disappearance of my {$600.00} XXXX dollars and when I called... they lie by saying my total balance is only {$1100.00} surely it's a lie because it's been {$1700.00}. For months XXXX XXXX XXXX I know for the fact of countless log in log out and it is my money period .I know how much my saving they stole the {$600.00} it disappeared in front me while in a process of my XXXX withdrawal seconds apart from the first attempt was a success withdrawal but wrong amount while I was in the process of transferring {$600.00} XXXX this XXXX time remember the first withdrawal was a success but I put in the wrong amount and in the XXXX withdrawal suddenly it disappeared the amount you can't find any traces of {$600.00} is gone. They stole it honestly saying here in CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NV
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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last XXXX I requested an investigation because I felt the item was not being reported legally. XXXX of XXXX ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation for below account! If you can not provide a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws this account must be deleted from my Equifax credit report immediately. 

XXXX. You are in violation of XXXX XXXX XXXX XXXX XXXX XXXX or personal information should not be on my report Untitled Account Number : XXXX XXXX XXXX XXXX ( XXXX ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the Equifax Data breach, so please remove them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The money source XXXX XXXX XXXXXXXX XXXX XXXX XXXX or aka XXXX is shown on my credit bureau as the originator of false fraudulent and harmful publications on my credit report. Today they claimed Im two months late XXXX XXXX. They reduced my score almost XXXX points. They are intentionally knowingly and deliberately out to harm me because I filed a case against them and have reported their conduct to several state consumer protection agencies like attorneys general in Illinois. They are out to hurt me anyway they can even if its obvious and totally illegal. Today they claim the fraud loan was paid in XXXX. Then they claim it is 30 days late in XXXX. XXXX  thats obviously impossible. And by their own choice and by their intent and willfull purpose they know the loan was sold in XXXX transfered XX/XX/XXXX but they claim Im late for XXXX too. XXXX  so willful and so intentional to harm me. They know I have a case but they want to do everything to harm me. So sad. So illegal. So obvious. Remove this debt from my credit file as u promised, stop reporting false fake info on my file, stop the theft of funds used to cancel this debt. And stop making money on the debt by not transferring it to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Just stop already. Their attorney contacted me today to say XXXX did nothing wrong. XXXX  sad.

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 2018-04-14
Company: WELLS FARGO & COMPANY
State: CA
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 had requested a new debit card from Wells Fargo. They sent it to me in the mail on XX/XX/XXXX. I never received it in the mail. 

On XX/XX/XXXX, I logged onto my online banking. This is when I noticed that I had transactions that were not approved by me. I immediately went into Wells Fargo bank and spoke to a banker to help me claim the fraudulent charges. 

On XX/XX/XXXX, I received a letter from Wells Fargo that they have looked into the claim, decided that all the charges were made using my card and a Personal Identification Number ( Pin ), therefore they will be closing the case without any refunds. 

I was stolen {$2100.00} from and none of it was refunded. 

I have an XXXX and the criminal purchased a XXXX phone, XXXX  rides, XXXX tokens, XXXX XXXX XXXX charges, XXXX ( travel ) charges, and even called a prisoner in jail. 

When I went to the Wells Fargo branch on XX/XX/XXXX, I requested a new card be mailed and immediately installed a lock on my mailbox at home. 

They sent me a new card and I activated it on XX/XX/XXXX. In order to do that, I had to go on the website and use my birthdate or my last four of social security number to activate it. No PIN was needed. The thief could have done this by looking at my other mail items.

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 2023-12-08
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/23 I wrote Equifax to start an investigation into credit inquiries appearing on my credit report I never authorized! I never heard back from them and they still are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CT
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 trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a wireless account with XXXX XXXX XXXX XXXX started in XX/XX/2022 and was cancelled end of XX/XX/2022. They misrepresented their services and their rates. Because I cancelled 3-4 day into new billing period the amount due was only supposed to be {$4.00}. I offered to pay this at time of cancellation but was told to wait for final bill. Unfortunately when the final bill arrived, the balance due was {$190.00}. This is incorrect! When I called XXXX to inquire, they told me the balance was XXXX ( XXXX ) when I proceeded to ask questions the representative was very rude and hung up on me. I am disputing this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: MI
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 ; 3-4, fraudulent, accounts, on my, BUSINESS, profile, with ; Experian-credit-bureau. I have tried 2 resolve them, with, a 1st, round, of, dispute-resolutions. They, tell me ; these accounts, are, verified. They, are NOT, mine! It is fraud, by, some, imposter. And ; the report, does-not, list, any, contact info. No ; merchant names, no, addresses, etc. so ; I cant even fight-it ; and, Iam the customer & business, owner. I dont know ; who 2 call, or, contact, abt it? & ; these accounts ; are abt 2yrs old, now. I just found out, a few months ago ; when, denied credit, by my, business-bank? Plz let me know ; where, 2 go, from, here? 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-28
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was notified through my credit protection service that Receivables Performance Management ( RPM ) was attempting to collect a {$410.00} debt for XXXX that is not my account. I contacted RPM, XXXX and XXXX  several times between XX/XX/XXXX and XX/XX/XXXX. The debt belongs to my dad whose name and address were submitted to XXXX  but the collection hit my credit report due to my SSN being linked to it. My dad nor I have received anything in writing regarding this debt. I experienced a similar issue last year for this same account on the XXXX  and XXXX  credit reports that was resolved in XX/XX/XXXX. RPM changed the name and address from that of my dad to my name and address after I requested they not do that. XXXX   got involved and questioned RPM on why they changed the account to my name when they submitted my dad 's name and address to XXXX. I've contacted XXXX who expressed that my name, address nor SSN is linked with the account and have reported that to RPM several times. XXXX even updated the collection system that RMP has access to review for updates on XX/XX/XXXX and XX/XX/XXXX to let ROM  know that they have mistakened my identity. RPM still won't budge. t I am very frustrated because I have been wrongfully accused and my XXXX credit score has dropped almost 100 points because of it. This complaint is for Receivables Performance Management ( RPM ), especially Mr. XXXX XXXX, for the seemingly sneaky tactics used to switch the account on to me and for not being helpful. Please look into RPM and their debt collection practices.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-06
Company: Experian Information Solutions 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 Reporting Act Convergent Accounts has Violated My Rights. 
( Experian- child support enforcemenXXXX  XXXX ). ( XXXX XXXXy - XXXX ) ( XXXX ). ( XXXX XXXX XXXX ) ( XXXX XXXX- XXXX ) XXXX - XXXX Babcock XXXX XXXX ( Educational XXXX ) ( Child Support XXXX ) ( XXXX ) ( XXXX collections- XXXX ) XXXX XXXX A 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 : its 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 non-monetary relief
Consumer complaint received 2019-01-28
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
my ex-husband let our house get foreclosed during our divorce XXXX years ago. I have worked hard to repair my finances and have improved my credit. the foreclosure has timed out on all of my credit reports, but I continue to be denied credit, it is always because of lexis nexis report- they should not be allowed to do an end run around state and federally mandated consumer protections. I have alerted them and requested that they remove it to no avail. I have opted out of their sharing my information-to no avail. I am ready to enlist the help of legal council to great personal expense. I thought I would first see if someone can just get them to do what is right

Company response to consumer: Closed with explanation