BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.

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 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I presented a Lost Check Bond to the bank, as they refused to issue a new cashiers check to replace a check that was lost. They said I could not have the check replaced without this bond. After waiting days the bank never contacted the maker or myself about the new check that was to be issued. He, the maker, waited for 2 hours in the bank and was told to " go home ''. 2 days later we found the check. 

We contacted the bank to get our " original bond documents '' back, a pretty simple task just put them in the mail, and they have refused to return calls or return the bond. 

Lost Cashiers check # XXXX Contact at the Bank of America : XXXX XXXX : Phone Number XXXX Bank of America XXXX XXXX XXXX XXXX XXXX, FL 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 2023-08-26
Company: EQUIFAX, 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:
I am re-submitting another CFPB complaint as follow up and an assurance that the XXXX, EQUIFAX and XXXX Credit Bureaus will carry out my request to them to investigate and help me remove these fraudulent items that I listed in my previous complaint and today. And I am humbly requesting the CFPB for participating in assisting me in fixing the problem occurring in my credit file. Here are some items that I believe were opened from an alleged identity theft, that needed immediate attention and if possible prompt removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$760.00}.

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 2019-10-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have had multiple credit cards, bank accounts and even a mortgage in my name. I am now buying a new house and my lender is unable to get a credit report from Equifax. I called Equifax and the incompetent service rep says there is no record of my social security number and that I have to send in a bunch of information so they can open a credit report file in my name. I explained that I have a credit report file already as it was pulled a year ago by XXXX XXXX and I have multiple credit cards, bank accounts and even a mortgage. The service reps were unhelpful and have sent me on a wild goose chase  which is now endangering my chances of purchasing my new home! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-03-14
Company: EQUIFAX, INC.
State: CO
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:
Do not mark this as a duplicate complaint as there are new concerns that must be addressed. The account I am speaking of is XXXX XXXXXXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account # XXXX. The law gives me the consumer the right to opt out under 12 CFR 1016.7 ( h ) which states that " A consumer may exercise the right to opt out at any time. '' 12 CFR 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. Regulation P which is the privacy of consumer financial information clearly outlines the fact that I as the consumer can opt of you reporting this account to my credit. I wrote to XXXX XXXX XXXX on XX/XX/XXXX with a notarized opt out letter as evidenced by tracking number XXXX. Which was received by them on XX/XX/XXXX the account was last reported on XX/XX/XXXX allowing over 9 business days for them to remove the account before it was reported again. The law states they comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. I do believe that 9 business days is more than reasonable. Not only that section 51 of the lease agreement is the severability clause which states If any provision of this lease contract is invalid or unenforceable under applicable law such provision shall be ineffective to the extent of such invalidity or unenforceability only without invalidating the rest of the agreement. This means it is made in accordance with the Law and the laws for reporting credit under permissible purposes ( 15 USC 1681b ) says that you must have written instructions from the consumer to report in the 1st place. This is supported by the privacy act of 1974 which states " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. XXXX has already removed the account because it was added unlawfully after previous CFPB complaints. Therefore it is impossible that Equifax and XXXX are maintaining reasonable procedures and reporting accurate information which is a violation of 15 USC 1681e Compliance Procedures. The fact that one of the main reporting agencies has already removed the account is more than enough proof that my consumer rights were violated and continue to be. Equifax, XXXX, and XXXX XXXX 's negligence in this matter has caused me serious harm as the consumer. Please remove the account as I have opted out in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I actually handled farther than the options. My vehicle was repossessed on XXXX by Wells Fargo who hired XXXXXXXX XXXX XXXXXXXX XXXX XXXX, they left driving my vehicle. I paid my loan off on XXXX and retreived my car on XXXX. When they got my car it had XXXX miles to empty but when I got it back it was on empty. My floor mats were gone, there was a lot of trash, liquor bottle, cigarette butts, dog hair, muddy paw prints and mud in the carpet. I called Wells Fargo immediately, who requested evidence. I provided all documentation & proof. Photos from the Towing company at time of pick up showing a clean vehicle & photos when I picked it up showing mats gone and gas hand empty and all the trash. How can they legally drive my vehicle on my tags and insurance?? And who compensates for the missing floor mats. Wells Fargo states there is nothing they can do to help me and they dismissed my case. Please advise how this is fair and legal to a consumer who has worked hard and struggled to pay for a vehicle for their Towing company to trash. 
Thank you for your time and attention.

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 2020-03-10
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX XXXX, 2020, I purchased a money order sent to my merchant. Was notified that the money was not valid. Contacted the company the automated system told me that the money wasn't accepted because of, an error with the numbers on the money order. When i spoke with a customer service agent I was told that it was good, my merchant told me that western union put a stop hold on it. This has caused me to get highly upset, I keep my bills paid up, on time or before. I don't deserve this from a company that is suppose to honor their product. I should not have to pay for a return because of a error on their end. Really poor business practice, will not never purchase another money order from this company. The company is Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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:
The account was in a collection status due to late fees at total of XXXX dollars from XX/XX/XXXX to XX/XX/XXXX and then in XXXX XXXX the status changed to 180 past due and Credit Acceptance Corp has been reporting the account every month as 180 past due since XXXX XXXX. In XXXX of XXXX, I got an email relating to COVID-19 that late fees assessed that I have attached for reference. I also, got a letter this year in XX/XX/XXXX, asking me to remit XXXX dollars and the account would be considered close and the matter resolved. This payment was submitted and processed on to Credit Acceptance Corp *XXXX for the amount of {$31.00} on XX/XX/XXXX I had attached this letter for reference. I have not received the title as well. They are reporting this account every month as late on a payment.

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since XX/XX/2020 I had XXXX XXXX Dollars in Wells Fargo bank and it's gone ... I filed complaints got a letter from CEO office stating that the accounts were infact mine from a XXXX XXXX ... CEO office corporate office of Wells Fargo bank I was told to gather all information and take t nearest bank ( XXXX TX ) here in XXXX Texas there's no ban Wells Fargo I added my accounts to XXXX  XXXX  and XXXX my phone was also hooked up XXXX  and had another party that used it I was shocked to find that my money was XXXX and that the other XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... other party. 
XXXX XXXX XXXX had mirror the phone sence then they exchanged phone 's and I was a XXXX  for I'd theft to gain Access to accounts and property I owned a long with my brother ..... 
Sence then they have wired transactions fraud I reported over and over again and still nothing no letters no information no records nothing given after I requested it many times I transferred money was waiting on test deposit from XXXX  XXXX account when I opened three accounts the same day XXXX XXXX XXXX XXXX to XXXX XXXX to my son had a servire motorcycle wreck and was XXXX  in XXXX  I was at the XXXX train station I had XXXX XXXX hooked up to my phone and everything was fine I even locked myself out of the online account and had to call with security message to gain access with password back to my accounts within 24 hours nothing happened it's been wire fraud debit prepaid XXXX bank wise moneys service gift cards and wire transfers to and from banks by these parties XXXX  is now investing for the moment... they said they found XXXX XXXX XXXX XXXX account it was never his the accounts were mine he died XX/XX/2020 I reported everything to the bank and athories here in XXXX Texas also the list of banks is as follows now it a man named XXXX XXXX XXXX XXXX XXXX XXXX Texas.. 
Stolen phones ECT the other name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others please forward to FBI  and XXXX  for investigation of return my money and I Lost everything due to them people and lack of concern for protection proffectional models standards and business

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 2022-03-17
Company: Experian Information Solutions Inc.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: EQUIFAX, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
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:
To Delete Hard Inquiries - Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To Delete Unauthorized Negative Items - In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agencyncannot furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT FILE. THOSE ACCOUNTS ARE UNAUTHORIZED AND WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS AND INQUIRIES OFF MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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 XXXX Account # 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

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 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit reporting, credit repair services, 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:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
They sent me credit card with XXXX credit limt i put XXXX on card tried to use couole days later and card locked I haved called 4 times spent hours on phone kept saying it would be unlocked next day went through that 3 calls and they said i had to talk to fraud department and i did they said they had to call me back to prove my idenity they said they would call in XXXX hours no call i called them again told me same thing still waiting for call been XXXX weeks nothing still locked. 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