BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX : notified Experian someone had used my ID to try and open XXXX credit cards at XXXX XX/XX/XXXX. Placed fraud alert on all XXXX major companies. XX/XX/XXXX same person tried another card in my name same place XXXX. Experian Let Them Have the Credit Report!!! No record of my fraud alert, I could find no dispute of hard inquiry by XXXX on XX/XX/XXXX. Had also requested dispute of that inquiry. It is not on dispute. It gets worse. 
Today called Experian, XX/XX/XXXX. Tried to plave a free freeze, system hung up on me when giving me pin number. Called back XXXX times, could npt get a person, nor could I confirm the freeze was put on. I had to pay XXXX a month to freeze my XXXX credit! They are crooks, extorting this money out of me, or let them issue reports and credit to whomever has my information! 
XXXX  XXXX XXXX I called them XX/XX/XXXX, they said they would be investigating this and making alerts, but, again, same people tried to pull credit on my name again XX/XX/XXXX, how could they let this go through?! 
I need : both XXXX XXXX XXXX  XXXX XXXX Taken Off/discarded XXXX XXXX back to where it was before these inquiries A record in writing on paper of the existing fraud alert, the pin number of there was an actual freeze by me by phone today and refund of all monies I must pay to keep my credit info safe ( blood money ) until a proper free freeze with me having gotten the PIN NUMBER to my freeze so I can unfreeze when I need to change phone companies. 
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 non-monetary relief
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Aargon Agency, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed a dispute against Aargon Angency with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$220.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on XXXX online but was unsucessful. I contacted XXXX via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. XXXX failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.

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 2018-03-15
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2018, I was alerted by XXXX XXXX XXXX that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
These are not my loans I did not apply for any loans I dont have a drivers license or a car I cant get a car loan in XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
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:
I have two medical debts for XXXX XXXX  that is being reported incorrectly by XXXX  XXXX XXXX  XXXX, they transfer them between themselves and another collection agency they own, the Debts are more than Seven years old but they are reporting them from they day they switchEd them from the other collection agency instead of the actual delinquency date! I have disputed these several times and the collection agencies will not remove them!

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 2023-08-15
Company: Experian Information Solutions 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:
I am the victim, in an identity fraud, attempted credit card acquisition and hard inquiry scheme that occurred twice, on the dates, of XX/XX/XXXX ( XXXX XXXX XXXX and XX/XX/XXXX ( Experian reporting ). XXXX  XXXX XXXX XXXX XXXX was the host bank that conducted these fraudulent credit inquiries which was initiated by an unknown person who stole my personal information credentials possibly from a XXXX address as disclosed to me by XXXX  XXXX XXXX XXXX department. However, my conversations with XXXX  XXXX XXXX XXXX department, on XX/XX/XXXX yielded no results, in removal, of the hard inquiry pending conclusion of their investigation. In fact, the violations of my credit files continued with another fraudulent credit inquiry, on XX/XX/XXXX, at which time I spoke to XXXX, a member of XXXX  XXXX XXXX XXXX department who advised me that a letter will be sent out to me, by XXXX  XXXX XXXX confirming the fraud credit breach which would have allowed me to secure a police complaint report in XXXX XXXX XXXX. There has been no communication from XXXX XXXX XXXXXXXX since XX/XX/XXXX. The XXXX XXXXud credit inquiries still remain on my credit report, from Experian and 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
While banking with Wells Fargo I were being charge tremendous amount of late fees overdraft fees from my account XXXX of dollars every month my entire deposit check turns out less money once wells Fargo deduct from account I felt it was wrong of wells Fargo to take XXXX of dollars out of my account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen for a check I never cashed or deposited and Wells Fargo reported me to the banking system for something I never received and I have been unable to get a XXXX XXXX XXXX XXXX  account for last 8 years

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 2020-03-12
Company: EQUIFAX, INC.
State: IL
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:
Equifax has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX  ACC XXXX not mine XXXX  XXXX not mine XXXX XXXX  ACC XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: LA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
hello, each month bank of america charge me about {$60.00} on my credit card and XXXX XXXX  on my second credit card! 
i pay my bills before the due date! 
thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On my credit report there are two different names reflecting on my credit report that arent mine or aliases of mine.

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 2023-06-05
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hi, This is my 3rd time requesting this information. Your customer service representatives keep giving me the run around. 

May I please have the agreement that was set in place for the security interest on my XXXX  XXXX XXXX? 

DO NOT send that retail installment agreement. That is not what I am asking for. If you are still confused what I am asking for you may have it labeled as the " Purchase agreement '' or " bill of sale '' I do not want it sent by mail because you are not going to send it out. Either email it or reply back to this complaint with it. 

My email address is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
I have been going in circles with Experian Credit Bureau when it comes to the negative in accurate information being reported. I have filed a identity theft report and sent a copy of it to Experian Credit Bureau per their request in an email i received. I also sent a copy of my id, social number, and a current bill. They keep asking for the same information that i have already sent them more then 3 times via certified mail that shows they received the documents. I am having to re-submit letters over and over and over again before anything is done and when they do open an investigation they are not investigating everything listed on the identity theft report. Which again causes me to have to re-submit letters again for the same things. They continue to report inaccurate addresses, different incorrect spellings and usage of my name, along with unauthorized inquires, and negative accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX Acct # XXXX In accordance with the fair credit reporting act XXXX  XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an 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 2023-09-06
Company: STATE EMPLOYEES CREDIT UNION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According To 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting information During Covid-19 in accurate information is violation of the law..I reach out Several Time Concerning This Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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 Third endeavor to tell you 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 items 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 XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} BANK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on 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 2023-09-05
Company: Continental Finance Company, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to get my first credit card by XXXX but was denied because they said I had credit card debt. I then checked my credit report and seen there was debt on my credit {$720.00}. I called the debt collection company associated with it and asked about it. Seem to be a scam themselves.

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 2020-12-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 applied for an Amazon Store Credit Card in the beginning of XXXX. I believe it was in XXXX, but I can not recall the actual date. I applied online, through my Amazon Account, when I was offered a promotion to get {$50.00} off the current total cost. I received the {$50.00} discount although I never received any notification in my personal email or in the mail about the credit card. 

Synchrony gave Amazon my credit card information before sending me the card, and Amazon went into my Amazon Account, removed my Prime card from default charge and replaced with the new synchrony store card. There was a letter with the details, dated XXXX XXXX, in message Center of my Amazon Account. This letter mentions that I " will '' receive my card at a future date, pointing to the fact that the past mentioned actions have taken place prior to my having received my physical card. The letter also states that the store card was automatically added to my Amazon.com account as my default payment. 
I have attached a copy of transaction sheet listing charges two charges totaling {$63.00} for two items and the late fees of ( {$38.00} per month ) up to the current date come to the account balance of {$340.00}. 
XX/XX/XXXX - {$7.00} XX/XX/XXXX - {$56.00} Complaint Amazon and Synchrony violated CA law by distributing a card in CA and to a CA resident that does not require activation, and by not divulging this information to me before I signed up for the card. If I had known the card did not require activation prior to use, I would not have applied for it. Both companies put me at risk for fraud and identity theft by violating CAs credit card law. 

Both Synchrony and Amazon took part in committing financial fraud when Synchrony gave Amazon my full credit card number and the three digits on the back, enabling the card to be charged without my permission and before the card was in my possession. Amazon not only entered my personal Amazon account without my permission, they manipulated the credit card arrangement, changing the default so that any charges made to the account would automatically go to the Synchrony Store Card. This was something someone at Amazon did with the help of someone at Synchrony. 

Request It is my desire that all charges involving this Amazon Store Card through Synchrony that are connected to either or both companies be cleared along with any and all late fees.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
, I would like to bring to your attention that the collection agency, COMMON WEALTH, is not licensed to collect debts in the state of Texas. Pursuant to XXXX XXXX XXXX XXXX, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.I know my rights and this is a violation of the HIPPA law.This is NOT a third party. I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt. 
.I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report.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 non-monetary relief