BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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:
Equifax REINSERTED a previously DELETED item on my credit report WITHOUT sending me a notice within 5 Days. The account reinserted was Dpt of Treasury. Under the FCRA, Equifax is required to send me a notice within 5 days if it is going to REINSERT an item. Equifax has VIOLATED the FCRA by NOT sending me a notice within the 5 Days. This is my SECOND complaint about this as Equifax IGNORED my first complaint. I AM NOT NOT SUBMITTING A DISPUTE. I AM POINTING OUT YOUR OBVIOUS VIOLATION OF REINSERTING THIS ACCOUNT IN MY CREDIT FILE WITHOUT SENDING ME A NOTICE WITHIN 5 days. You have engaged in the enabling of Identity Fraud by placing this account back on my credit report AFTER YOU ALREADY DELETED THIS ITEM BEFORE. I DEMAND you to delete this erroneous information from my credit report AND that you provide monetary relief in the amount of {$1000.00} for this violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: NM
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 attempted to retrieve my free annual credit report from all three credit bureaus, but the website is not allowing to access or even submit the information online to access my report. I need to be able to obtain my credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
Upon further investigation, I contacted each credit bureau Experian and XXXX. I verified that XXXX XXXX is reporting account : XXXX illegally. This company did not have my permission to obtain my personal information to open an account. I have sent this company several notices in writing via USPS certified mail to inform them that my information was obtained fraudulently and to remove this information from my credit files. I have sent them a police report, an identity theft affidavit from FTC, and also from their company website and identity theft affidavit. All documentation notarized by the state of Ohio. This company has ignored my request to do a thorough investigation into this account. 
This company is also reporting misinformation to each bureau. On Experian it says the closing date was : XX/XX/XXXXXXXX  on XXXX the closing date is XX/XX/XXXX. XXXX XXXX is also reporting monthly an over the limit utilization rate when the account is closed and charged off. XXXX XXXX is also report to XXXX and do not have an address, social security number, phone number, nor original documentation on file stating this account belongs to me. I have asked for this company to send me proof of the account. They have ignored every attempt. I have a confirmation number from XXXX : XXXX regarding this dispute. XXXX XXXX is also updating the account with my current information I have sent in for the dispute, and I did not give my permission to do so. This is a violation to my consumer rights.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that there were multiple fraudulent credit card accounts opened under my name. I've called the credit card companies and was told there's nothing they can do unless I file an identity theft report. I would like these accounts deleted and removed from my account immediately. 

The credit card accounts are from the following companies : 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 2020-03-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2020 Synchrony Bank applied XXXX in interest to my account over-drafting the account and adversely effecting my credit score. I was told as long as the minimum was paid the promotional would not apply. 

I called several times to try to speak with someone re : reduction in limit and recent charge for interest. Had difficulty with language in all cases and was told the company had the right to adjust limit at anytime for any reason. 

After paying on time every month, they decreased my limit so when they applied the deferred interest it made my credit score plummet. 

They have done the same with another of my accounts as of today XX/XX/XXXX. I will never get my score up if they keep reducing my limit as I pay it down. 

This is unfair as I am judged by how much credit I have available and they are taking away the fact that I have been paying on time to them and tying to raise my score by reducing my credit liability. NOT Fair!

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 2023-12-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a call from ( XXXX ) XXXX identifying themselves as USAA - for which I have multiple accounts. They said there was a " change in my status '' and asked for my social security number, which I foolishly gave them. When they asked for my login information, I told them I did not feel comfortable giving them this information and would call USAA myself. 

USAA can not verify that this is their phone number and I am worried someone has accessed my social security number. I would like to know what I can do to protect myself. Thank you -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, 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:
I went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, 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 2020-03-25
Company: PENTAGON FEDERAL CREDIT UNION
State: MS
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:
Someone pretending to be me had funds in the amount of {$1500.00} transferred from a bank account at one bank ( XXXX XXXX XXXX  ) to pay a late payment at another ( Pentagon Federal Credit Union ) on  XX/XX/2020. I called both agencies and didn't get any resolution. The bank the funds were transferred to said somebody called saying they were me and to transfer the money from my account at the other bank. I, of course, didn't know anything about it until I checked my bank statement. I have been working with a debt consolidation company ( XXXX XXXX ) and the bank receiving the payment stated that's who had done it but, upon contacting them, they said they know nothing about it. In a three-way call, I was told by the receiving bank that they would look into it but they don't seem too interested in doing anything about it. What can I do to get this resolved?

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 2022-08-17
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I informed Caine & Weiner in writing in response to an SMS text message on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX that I do not have a XXXX account and that they are not to communicate with my phone number via SMS or phone call. 

On Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX, I was contacted again via SMS at my phone number with a message saying Caine & Weiner is here to help you resolve your XXXX XXXXXXXX XXXX account. Please contact me to discuss your options. 

XXXX XXXX XXXX XXXX XXXX online at  XXXXXXX XXXXXXXX XXXX I responded on Tuesday, XX/XX/2022 at XXXXXXXX XXXX XXXX  saying, You have already been informed in writing to not contact this number. I do not have a XXXXXXXX XXXXXXXX account and I am not affiliated with a company that has a XXXXXXXX XXXX  account. I am formally complaining to the CFPB about your contact after I informed you in writing to not contact this number. I will be sending screenshots of this conversation as well as my phone records. 

Since those messages were sent, I have been receiving sometimes more than three phone calls a day from Caine & Weiner regarding collecting this debt that is not mine. I also informed them more than once that the debt is not mine and to stop contacting me. 

On XX/XX/2022 at XXXX XXXX XXXX, I received another SMS text message from Caine & Weiner saying, Please contact me about your balance due to XXXX XXXX XXXX XXXX XXXX XXXX online at XXXXXXXX XXXX XXXX I replied on XX/XX/2022 at XXXXXXXX XXXX XXXX saying, Another complaint and screen shot is being sent to the CFPB. 

IT HAS ALREADY BEEN REQUESTED IN WRITING THAT THESE COMMUNICATIONS STOP IMMEDIATELY. 

IMMEDIATELY STOP ALL WRITTEN, VOICE ( PHONE CALL ), AND MAIL COMMUNICATIONS TO THIS NUMBER AND ANY EMAIL OR PHYSICAL ADDRESS ASSOCIATED WITH IT. 

There is no message saying that the sender is not able to receive SMS communications thus it has been communicated multiple times that the messages and phone calls must stop as this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my 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 2023-03-07
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:
Backstory : I am XXXX XXXX XXXX and have been banking with Wells Fargo 30+ years. I have multiple personal and business accounts with wells Fargo. I have never ever use my debit card for any point of sale transaction or for any purchases. I have only used my debit card for PIN verification for cash withdrawals from Wells Fargo branches. I have never authorized the charges or have never authorized another person to perform the transactions. 

On XXXX : Two unauthorized debit card charges occurred : 1 from T-Mobile ( {$60.00} ) and 1 from XXXX ( {$2500.00} ) The same day I reported both transactions as fraudulent to Wells Fargo , a Reg-E fraud case was opened for the transactions, and the debit card was closed. 

On XXXX : A provisional credit for both fraudulent charges was given by Wells Fargo while the case is investigated. 

On XXXX : The investigation by Wells Fargo concluded. The {$60.00} charge from XXXX was deemed as fraud and reversed. However the fraud case for the larger {$2500.00} charge from XXXX was denied by Wells Fargo. Wells Fargo stated the case was denied because my address was used for the transaction thus I authorized the transaction or authorized another person to perform the transaction. 

On XXXX : The provisional credit for the {$2500.00} charge by XXXX was reversed. I called the Wells Fargo Debit Card Fraud Department who enforced the case denial despite my protest in not authorizing the debit card transaction. 

On XXXX : After the denial letter was received, I visited a Wells Fargo branch and spoke with the banker there. A complaint was filed for the case denial. 

On XXXX : A representative from Wells Fargo 's escalation department called me and reiterated the claim was denied. 

On XXXX : I visited the Wells Fargo branch again to file another complaint. 

On XXXX : A Executive Office Case Specialist from Wells Fargo called me and reiterated the claim was denied. The specialist also suggested for me to contact XXXX who did not provide any information. 

Despite being a loyal customer for over 30 years, I feel victimized by Wells Fargo. I do not know how my debit card information was used for the transactions since I never use my debit card for any purchases.

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 2017-09-13
Company: EQUIFAX, INC.
State: NY
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:
Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days!
Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they have done to the citizens of our country.
In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX 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.

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 2017-12-06
Company: AFNI INC.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call from Afni and subsequently a letter dated XXXX/17 from AFNI, Inc stating that I owed XXXX {$2300.00}. I never had a XXXX account. Talked to a XXXX representative and they said they could not find anything under my name or the XXXX account # XXXX ( provided by AFNI, Inc in the said letter ). XXXX asked me to file a complaint with their Fraud department as they told me someone is trying to collect under your name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
NFCU has repeatedly given me the wrong information regarding my payments and late fees on my account to the point where I have incurred a ding on my credit report due to erroneous payment information given. I am unable to login into my account due to software issues on there system and this issue has been noted on my account. I continue to make my payments by phone so I rely on their customer service to give me the correct information. The latest being I paid {$200.00} in late fees only to find out that instead of them processing the payments on for the late fees they processed payment for principle balance. The promissory note states that if you are in default all charges, which includes late fees become due. They are being deceitful because they want me to continue paying interest on late fees that have already been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation