BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: Bread Financial Holdings, Inc.
State: VA
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 see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo did not allow me online access for 5 months. A SSI direct deposit was very short because I had no access to account while traveling although went in the branch 5 times.

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 2023-05-14
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 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 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 2019-06-16
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scam by pal pal XXXX XXXX ext XXXX XXXX told me to purchase 3 XXXX XXXX   cards because my paypal account was being hack by someone in XXXX, XXXX and Texas I need a refund for my money thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attempted to dispute with company after they added 3 negative accounts to my credit profile and have not heard anything back from them. I've advised this is fraud via certified mail to the company. I have not been to a medical professional, doctor, or hospital in over 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 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 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 ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00}

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 2023-05-12
Company: EQUIFAX, INC.
State: CA
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 9th 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 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 XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: MS
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:
happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

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 2022-09-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank has a program if you open a new account is supposed to credit you {$400.00} if you had to do anything and theyre telling me that because I didnt deposit XXXX in one lump sum They will not qualify me for the program nowhere does it say deposit XXXX in one lump sum is this make Direct deposit in the sum of XXXX or more dollars Ive made deposits in the sum of way more than {$500.00} what they do is they intentionally break up my payments so I dont come in at {$500.00} Im going to send documentation to show this this bank is the scummiest dirtiest bank Ive ever dealt with their customer service will yell at you theyll hang up on you they wont return your calls theyll say they return your calls they wont they lie this is a very dirty bank I dont recommend anybody using it Im so disappointed that I close my original account and open an account with this company if look online they have long history of doing this I will not stand by and be taken advantage of our be lied to want to file his complaint and if nothing happens with this Im going to move further with contacting a lawyer Ive had money stolen from the ATM they wont return it there just a bad bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2018-10-29
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Grant Mercantile agency reported to credit bureaus a {$2500.00} outstanding invoice without notifying me that they were going to do so. I was completely unaware the amount was owed and was told " we tried to call you in XXXX ( 2018 ) '' ... a full 8 months before reporting to the credit agencies. I also received nothing in the mail allowing me to dispute the charge ... which I do ...

I asked them if I could dispute the charge but they told me that the ambulance company had turned it over to them and there was nothing I could do. ( they claim they did not pay the ambulance company for the account ) The charge was for {$2500.00} for a 10 minute ride that was un-necessary because it was just for XXXX, however, at the time I was told they had to take her. Clearly XXXX just wanted the money because they had already showed up. Had they told me it was going to be {$2500.00} I never would have allowed them to take her ... but my current complaint is with Grant Mercantile who did not allow me to dispute the charge ... only to claim financial hardship. When I paid in full ... due to being told I " had no choice '' they also refused to take it off my credit ... only to report it as " paid in full '' which is unacceptable and unethical given I was not notified in writing about the attempted collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Affiliate Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Spoke with a representative back in late XXXX early XXXX and set up a payment plan, however I was facing financial hardship and wasnt able to make the payment, the representative called me I explained my situation and asked was there something else we could do to start the payments but I wasnt able to make a payment that day she told me well you have other financial obligations you have to tend to as well so how are you going to make a payment today. I said excuse me she repeated herself and said something else I then hung feeling disrespected and mistreated. A few days later another representative called me, he said we see we attempted to collect your payment but however the payment was declined and you are no longer eligible for the payment arrangements so how will you be paying the full amount. I told him I spoke with a representative prior to him calling and I was working on the matter. He cut me off and said well maam you have to make a payment today i dont know who you talked to but a payment needs to made. They call me back to back even if I let them know Im at work call in the morning they get rude, its always they dont have no previous notes, & I got called a liar from a representative telling me how they didnt call me meanwhile I have recent calls from their company number. They even call hang up then call back. How can someone collect a debt or let alone trust giving someone their money when you have customer service representatives that are very unprofessional and aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: MO
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, has violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agencies can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Ray Klein, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a bill for {$100.00} on XX/XX/2019 by credit card to XXXX XXXX XXXX for services rendered by XXXX XXXX XXXX. Account number XXXX. I owed no more on this service rendered. 

Six months later i have begun to receive letters form a collection agency, Professional Credit Service, for the {$100.00}. I already paid that and called and let them know. Instead of listening to what I had to say, they only wanted to collect more personal information about me for their records, asking for my personal information such as DOB, telephone number, address, etc. I have paid this debt six months ago. They need to remove it from their records and mark it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
Your website is " broken '' and refuses to allow me to submit a personal statement! I am almost certain that this is done on purpose in order to hinder me from exposing corruption at Experian! They want me to send it in via postal mail as along with a ton of documentation. I'm not doing it! You motherfuckers are broke and owe me money! Not the other way around! I'm not jumping through your hoops! 

Here is the personal statement and attached is the screenshot! Update the file with it! It is XXXX characters. 

" I HAVE NEVER MADE A SINGLE LATE PAYMENT ON ANY DEBT I HAVE OWED ANYONE EVER! THE US GOVERNMENT IS COMMITTING FRAUD AND DEFAULTED ON ME NEARLY A YEAR AGO AND IS REFUSING TO RELEASE MY COLLATERAL! I AM THE CREDITOR, AND YOU ( ALL REGULATED BANKS, BROKERS, INSURANCE COMPANIES AND EVERYONE WHO HAS PREVIOUSLY EXTENDED CREDIT TO ME ) ARE NOW ALL IN DEBT TO ME! I WANT MY BITCOIN RETURNED IMMEDIATELY! THE SPOT PRICE IS FRAUDULENT AND THE BANKRUPTCIES ARE FRAUD! XXXX XXXX NEEDS TO BE IMMEDIATELY ARRESTED AND THE SEC NEEDS TO BE SUBPOENAED BY CONGRESS TO EXPOSE THE EXTENT TO WHICH IT WAS WORKING WITH XXXX TO DEFRAUD CREDITORS. I HAVE A MOUNTAIN OF EVIDENCE OF CRIMINAL WRONGDOING! " XXXX '' AT XXXX, NEEDS TO BE ARRESTED AS WELL. SEE YOU AT TRIAL XXXX! I AM NOT PAYING ANYONE UNTIL THIS IS RESOLVED! I AM SUFFERING AN ESTIMATED XXXX XXXX DOLLARS IN DAMAGES PER WEEK! I HAVE INCLUDED ONE SCREENSHOT OF ONE CONTRACT TO ESTABLISH STANDING AND FOR THE FBI TO BEGIN UNRAVELINGTHIS.IHAVEALOTMORE! ''

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 2023-05-14
Company: Experian Information Solutions Inc.
State: PA
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 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 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 2023-05-14
Company: Experian Information Solutions 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:
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 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 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 2023-05-10
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, a former housemate used my personal information to open up a Big Lots and Express credit card. The bank used is : Comenity Bank, XXXX XXXX XXXX, XXXX, OH. 

The former housemate charged {$990.00} to the express card and had items shipped to my former address at XXXX XXXX XXXX, XXXX XXXX, VA XXXX. I last resided at that address in XXXX of XXXX. Since XXXX, I have resided at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX. 

On XX/XX/XXXX I looked at my credit report and noticed my credit score had dropped XXXX XXXX so I looked at my recent activity.

It's highly likely one of my former housemates used mail to find my social security number and birthday in order to fraudulently open the account. I have filed a police report and reported the fraud to Comenity Bank.

Company response to consumer: Closed with monetary relief