BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) ( XXXX XXXX ). Please investigate and provide Proof with statements showing that these payments were late.

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 2023-03-28
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was recently informed ( when I called the company ) VYSTAR that my debit card had been canceled due to suspected fraud. I went to the local branch today to get a replacement debit card and was told they had sent me a text message which I did not respond to therefore the card was terminated. 
I did not receive an email or mail notification that this was done. 
Heres why the complaint-they claimed a text message was sent on XX/XX/2023. They sent the text to my home landline ( which I no longer have ) claiming it was the number on file. That may be true however they could have sent an email or a letter stating their position. They did not. When I was at the bank today they changed the old phone number to my cellular number which is the only one I have. Calling later today to have my card verified they claimed they could only send a code to my old landline which is non-existent. I asked them to please send me an email with the code and was told they have no email on file for me. 
After that call I checked my account information and there was my email and cell number. 
Im sorry to have to complain about this company again but they need to get their act together. Its frustrating doing business with them. I will soon change banks but dread the associated change overs that come with that. None of their customer representatives seem to be based in the USA. 
Sincerely 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 2023-03-28
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX _ {$770.00} XXXX  XXXX XXXX _ {$1100.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry  : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A wire transfer was sent to me from XXXX XXXX  XXXX XXXX for {$1.00}, XXXX on XX/XX/XXXX, a Friday. When the money had not arrived by mid of the next week, I called wells fargo and they said they did not see any wire transfers my way. I reported this to XXXX XXXX XXXX XXXX and they opened a tracing investigation. Last Wednesday, XX/XX/XXXX, almost a month later, XXXX XXXX  informs me that wells fargo has been holding my money for weeks in Compliance, even though wells fargo told me multiple times they had not received a wire transfer at all. I called Wells Fargo again on Thursday, XX/XX/XXXX, and i asked the rep to check with compliance. They finally admitted they have been holding my money due to an address error and now was cleared and would get the funds by Monday XX/XX/XXXX. The rep gave me a confirmation number XXXX XXXX XXXX XXXX and told me it was the consumer internal wire dept. All the calls are recorded by wells fargo as well so there is proof of this info. I called wells fargo on XX/XX/XXXX to find out why I had not received the funds and now I was being told that they do not see any wire transfers from that transaction. The supervisor XXXX was extremely dismissive even when I asked him to listen to the prior conversation and even gave him the compliance tracking number. I was given on Thursday. I now still don't have the money sent to me, over 1 month later, and no one seems to want to give me my money. I just need my money released and I'm tired of calling every couple of days. Only 1 rep was able to locate the money and now i'm being told it is non existent. XXXX XXXX  XXXX XXXX has also not received the funds back so wells fargo still has the funds

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 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that a collection from XXXX XXXX XXXX XXXXXXXX is on my credit for XXXX XXXX of which i have an account with and can log in and make payments of which i made one earlier. This account was never sent to collections and i would like it removed off of my Equifax and XXXX. I have no knowledge of this collection agency nor have i conducted any business with either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a complaint. XXXX ; Richard Owens Vs Bank of the West. on XX/XX/2023, the Bank of the West now BMO retaliated and closed my business account. This was done because of my race and retaliation for me filing a complaint.

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 2023-03-28
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. through Lexis Nexis Which can not TRUE. I would like this entry on credit report to be removed. Lexis Nexis Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-03-28
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 has violated my rights. 
( XXXX  XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 
Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX 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 2023-03-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hello, this complaint is actually regarding the Equifax Data Breach Settlement Administration. I have reached out multiple times since XX/XX/XXXX to clarify with the administrator when checks would be distributed since the website indicated Fall XXXX checks would begin being distributed. I also contacted the administrator in XX/XX/XXXX because I was anticipating a change of address and was trying to proactively keep them informed of address changes. Each time I was told it was unknown and likely not going to happen soon. Then out of the blue on XXXX XXXX, XXXX, I got an email from XXXX that I needed to cash the check that was sent. By then I had moved and had no idea a check was sent. I have contacted the Administrator multiple times in XXXX providing the updated address and trying to confirm when a check would be redistributed or how else I can receive my distribution. I have also requested a supervisor contact me. No one has responded by phone or via email. While the administrator reps are friendly ; this entire process has not been very consumer friendly and has been quite cumbersome and frustrating. It is sincerely concerning why a consumer can not simply call and be given an estimated date of check distributions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  _ {$770.00} XXXX XXXX XXXX  _ {$1100.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 2023-03-28
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 Fair Credit Reporting act XXXX Account # 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 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2023, I sent 3 certified mail letters to 3 credit reporting agencies, Experian https : XXXX? XXXX, XXXX https : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX regarding FCRA , METRO 2 standards violations on my credit report and an alleged debt of {$1300.00}, that was not verified and not validated as per USC 1692g. 

Experian, XXXX tried to correct the FCRA, METRO 2 violations but they still remain, I'll add two credit reports as proof, one before sending the letters and one after, further they did not verify and they did not validate the debt as per USC 1692g i.e, provide irrefutable proof of loan contract with original wet ink signature. 

XXXX didn't take any action at all. 

This is a gross violation of my rights and privacy and I plead CFPB to take swift action.

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 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called me and left me a message saying they needed to deliver some papers regarding a civil lawsuit against me. I returned the called. They had my name, address, birth date and social. They gave me the addresses of where my ex-sister-in-law lived ( we had the same name at the time ) and told me she must have used my identity to set up the account. They said she had paid on it for 6 years before defaulting and said I owe {$4000.00}. They told me I would need to wait for the papers to arrive and then dispute it. Here it is, one month later, I've called them 3 times to find out where these papers are and they keep telling me they're with the courier. The guy I spoke with today was extremely rude, told me my credit score was going to take a hit, legal threats etc and hung up on me. To be clear, I never owned this account and never lived at the addresses they had on file ( other than my current address ). I ran my credit report and nothing showed up. I feel like something shady is going on. 
Why do these people have my information and why are they threatening me with a lawsuit? I can't get any answers from 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 explanation
Consumer complaint received 2023-10-03
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Bread Financial 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: Account status incorrect

Complaint:
Hello- I had my card on auto draft with XXXXXXXX XXXX  XXXX XXXX . My account went late for 30 days and I did not know until they called me since I assumed my account was on auto pay since I had the problem before and tried to resolve. The gentleman on the phone told me that the late payment would be taken off and I paid the balance over the phone to have that removed. to my understanding it would be taken on my credit report. It is still showing so I called again to see the issue and the new customer service rep told me the previous rep told me the wrong information that it would not be removed off my repot but XXXX my account. So I am not understanding if I was told in accurate information why the late payment was not taken off my report as the first agent stated. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: Tsarouhis Law Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been trying to fix my credit and settle old debts. When I contacted the company that previously had this account, they advised me that they no longer had the account and that I had to now contact Tsarouhis Law Group. I got in contact with them to try to settle the debt which is old and figured they'd offer me a decent, manageable amount. The debt is originally from XXXX on XX/XX/XXXX. The last payment was made on XX/XX/XXXX. The amount owed is {$11.00}, XXXX. They offered me a settlement of about 80 % of the balance due which would be more than {$8000.00}. I told them that I do not have money like that. Then they offered monthly payments for the entire amount due. They said they would email me papers outlining the settlement offer. What they sent was some legal paperwork for me to sign admitting that I want a judgement against myself to be entered. I didn't receive any legal paperwork before so why would they send me this and why would I agree to this. In the past, when I have made a settlement on old debt it was for a much, much lower amount and I just received a letter from the company stating that the matter was considered settled. I called to ask about all the legal paperwork and they said there's a judgement that will be there against me. Then today they sent an email stating that if I did not make an initial payment that they are proceeding with legal action and the judgement. I don't know anything about a legal case or a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation