BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received 3 credit cards in the mail I did not apply for. I thought they were junk mail until I opened them on Saturday XX/XX/XXXX. All three accounts sent me physical credit cards. 

XXXX. ) Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Visa Signature ) I received a bill statement from XXXX XXXX XXXX XXXX XXXX  card. {$75.00} on XX/XX/31 for " Annual Fee ''. 

Wells Fargo sent a statement with a {$0.00} balance. 

I called each company and successfully closed & blocked the credit card as well as open an investigation into the fraud activity. 

- XXXX XXXX closed Saturday XXXX - XXXX XXXX XXXXXXXX closed Saturday XXXX - Wells Fargo closed Monday XXXX I also received a notification from XXXX XXXX  declining an application " due to number of recent inquiries on consumer report agency '' XXXX was listed. 

I am not sure if there are other fraudulent accounts open in my name in addition to the three listed above.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Received this mail from transunion asking for proof of identity which I already submitted prior times I decided to send it again through here so there can be another record

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 2022-11-13
Company: EQUIFAX, 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:
Equifax blatantly ignored 1st request to block accounts that are a direct result of Identity Theft and ignored 1st CFPB complaint re : Identity Theft and accounts reporting a direct result of Identity Theft. Equifax sent me another letter dated XXXX stating cant block accounts as don't have the required info to prove my identity. That is not true as I have submitted this twice to them. 

I placed an extended fraud alert on my Equifax credit file on XXXX and placed a security freeze in XX/XX/2022 as a result of Identity Theft where my SS # was linked to another name and address. On XX/XX/2022 I mailed in XXXX detailed pages requesting information on my credit file be blocked as a direct result of Identity Theft, including all completed and submitted Identity Theft Reports to the Federal Trade Commission, my driver 's license, SS card, and recent utility bill for proof of identity and proof of address. On XX/XX/2022 I received a letter from Equifax stating they are r3efusing to block any information as they need proof of identity and completed submitted Identity Theft Reports with the Federal Trade Commission. ALL OF THIS WAS IN THE XXXX PAGES I MAILED TO EQUIFAX ON XXXX!!! They just blatantly ignored this!!! This is wreaking havoc on my entitr4e credit file and I have been denied several things due to EQUIFAX 's blatant negligence in correctly reviewing my info and blocking information resulting from Identity Theft. I have again included all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF 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 2018-08-19
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
Accounts on XXXX  and Transunion have been closed but still show as deliquent. There are inquires that should be on the reports.

XXXX XXXX XXXX XXXX  These accounts are not suppose to show

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 2022-11-07
Company: ORG GC GP Buyer, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received written notice about collection. Immediately replied via certified letter in XXXX to verify the debt, I had no recollection and even reached out to XXXX, they had no record either. I still have XXXX services that are in good standing and paid in full every XXXX 

GC Services never responded to my debt validation request and reported the debt to my credit report on XX/XX/2022. Please remove debt since it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$14000.00}

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
Consumer complaint received 2019-07-10
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, Since XX/XX/2019, I have made 5 payments to my FedLoan XXXX loans : XX/XX/2019: payment of {$140.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$2800.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$140.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$140.00} made and confirmed by FedLoan email. 

However, these payments totaling {$3200.00} have not been reported to any of the 3 national credit reporting agencies, and is negatively impacting my scores. 

The misreporting of my FedLoan student balances to the credit agencies continues for years to be a significant recurring issue impacting my scores, finances, and family. 

Please help. Many thanks for your time and extraordinary wok. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
/XX/XX/XXXXXXXX XXXX for the past several years has continued to pop up on my credit report. Every time I remind them that the original creditor XXXX XXXX XXXX XXXX found this account to have been fraudulenty opened in my name in a state I was not residing in at the time using my information via the internet and phone. I have been the victim of identity theft years ago. Convergent knows this a will pop on my report several times in the last several years and when I dispute the fraudulent account, they find its fraudlent from XXXX and delete. Then 6 months to a year later they try and collect again on a known fraudulent account hoping I will not dispute and they can make money ( so I've been told by one representative on XX/XX/XXXX. They are predatory. I have no outstanding bad debt and a good credit score, despite this fly by night operation popping up every 6 months to a year violating the FCRA and FDCPA laws about collections and reporting by being harrassing, providing false and intimidating talk and information relative to a known fraudulent account and attempting to collect on an already deemed fraudulent account. I have proof of them violating at least 6 different federal collections laws over the years. Friday, XX/XX/XXXX, without a call or mail to where I have lived and continue to live in Virginia ( not Florida ), they inserted on my credit reports. Laws state that a consumer must be served a dunning letter that state the alleged original creditor, amount alleged to be owed, the alleged date of oncurrance of alleged debt along with a required statement by law that identifies them as a debt collection company and the rights of the consumers. This never happens with this company. A true violation of consumer protections and rights. I pay all my bills monthly. I simply will not be harassed by this company by holding my good credit hostage in an attempt to extort money. I was told on XX/XX/XXXX by XXXX at XXXX XXXX via phone that I should " just pay the XXXX dollar bill '' even though it wasn't mine because he " can do whatever he wants to get me to pay ''. I record and document my phone conversations with this company and file them away. It seems this company has a difficult time owning up to what constitutes " good business ethics and preactices ''. Please help.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, this creditor has violated my rights under 15USC1681 SEC 602 states I have the right to privacy.

15 USC 1681 SEC 604 A SEC 2 consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 166B, a creditor may not treat a payment late on an open credit card account. 

XX/XX/2019 late fees were attached.

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 2022-11-07
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records or I'll it to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
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:
Had 7 transactions totaling {$300.00} from XXXX that I did not make or authorize. Contacted JPMorgan Chase Bank to file fraud claims on the transactions. Chase is denying the fraud claims stating they have no authority over XXXX fraud claims, even though I have to go through my Chase app to use XXXX! XXXX claims they have no authority over the transactions and that Chase denied my fraudulent claims. Chase says there were no log in errors before the money was transferred so the transactions were valid. I have just lost {$300.00} and JPMorgan Chase Bank nor XXXX will do anything about it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: National Credit Adjusters, LLC
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:
I have sent a request to XXXX to get proof on how the account was verified as a valid account and never received the information on how it was verified.I have called XXXX XXXX Which is NCA and left a message with my address on what I was requesting and never received a call back.I sent a certified letter to XXXX onXX/XX/2019 by USPS Tracking XXXX requesting in writing that the account was mine and how it was verified and have not received the information.I got an email stating it was correct but no indication that it would be sent out.I received an email stating it was verified but how?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called in XXXX of this year to cash in my rewards. I was promised a check for over {$5000.00}. The check never came. I called back about XXXX weeks ago and was promised they would expedite the check and it never got here. Also Ive tried to cash rewards from them in the past and the same thing happened. Today I tried to resolve his issue again and was informed that the person could not get any supervisors on the phone to resolve this. I didnt even ask for a supervisor so I assume it takes a supervisor to complete this.

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 2017-06-23
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:
i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our  authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Please remove the following items off my credit file. The items on my credit report are reporting different on XXXX and XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
First received a check for {$5.00} from Bank of America a couple of weeks ago, that I thought was odd and possibly a scam so I just held onto it, then about a week later I received a statement from a Bank of America account I never opened. It had a {$5.00} balance, then I got another letter statement about a week later and it said it was a different account number with a XXXX balance? Dates of the accounts were XXXX XXXX XX/XX/XXXX, then the other one was XXXX XXXX XX/XX/XXXX, I called to complain, they said my accounts would be closed but the fraud forms they sent me were very time extensive to fill out and mail to them. They asked for physical scanned copies of my license and Social Security card, which seemed absolutely bananas to ask for that over the mail as it could be intercepted and ruin my life, especially as I was just the victim of identity fraud and someone just used my SSN to open not one but two different Bank of America accounts without being in person with any identification. 
They also asked for me to get a copy of a social security statement, proof of residency, all original account documents, police reports, a crazy amount of stuff considering they let some scammer just open 2 accounts with none of this. 

When I called about it, the woman on the phone sounded like she was mocking me like oh the REAL person would have those documents, how do we know Im even talking to the real person? 
I have the documents, I dont think its safe to mail them and its actually illegal in 17 states to send SSNs by mail so idk what they are doing. Im planning to go down with my documents in person but again I just got defrauded, I dont want them to make copies of my social security card. 
When this account was opened, it didnt show up in my life lock or in my XXXX XXXX  so I dont feel like B of A is reporting things appropriately. And they are letting people open up checking accounts online without ID, but making it incredibly hard to close fraudulent ones and prevent it from happening again

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 2022-11-07
Company: Experian Information Solutions Inc.
State: IN
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 non-monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS 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 accounts 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 Accounts XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}

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 non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: TN
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:
ON XX/XX/2022, Sent a letter to XXXX, XXXX, and Experian, XXXX informing them the information they are report to my consumer report 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 2019-12-22
Company: EQUIFAX, INC.
State: VA
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:
In XX/XX/XXXX XXXX erroneously reported to the credit bureaus that I was late on a payment on an account that had been paid off in XXXX. According to Equifax XXXX as of XXXX of this year is still reporting the account. The account was opened in XXXX. Equifax refuses to remove the account from my report and still reports an incorrect status that the account is in collections. I have disputed this account numerous time to no avail. I do believe this error by XXXX and Equifax caused me to receive a higher interest rate when I closed on my home loan in XXXX and continues to affect my credit score. Equifax failed and continues to fail to follow the Fair Credit Reporting Act. They are the only credit bureau to update my credit report to reflect current payments on accounts. They also tend to drop my credit score a few points after I make a complaint and file a dispute

Company response to consumer: Closed with explanation