BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-05-27
Company: Experian Information Solutions Inc.
State: IL
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 account number XXXX and XXXX account number XXXX has violated my rights. 

15 U. S. C. 1681 section 602 A States I have the rights to privacy.

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.

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 2022-05-27
Company: EQUIFAX, INC.
State: AZ
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 Account/Reference # XXXXXXXX XXXX XXXX  Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX 's XXXX  Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXXXXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX Account/Reference # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX states I have an account which is showing on my Transunion credit report as two different collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the account is still on my credit report after disputing three times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information. I have received correspondence from XXXX XXXX that I am a victim of identity theft and completed the necessary steps on their website with no response. I would like this account to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
The problem started on XX/XX/XXXX, when my husband and I were applying for a home mortgage. The credit report showed a problem with my husband as a authorized user on my account and it placed his credit score at zero and no credit history. I contacted the credit card company and they stated there was no problem with my husband with them. The company in question requested I fax the copy of the report with my husband 's social security number, home phone number, credit card number and sign my name to the request. After getting the wrong fax number I finally got the fax to go through on XXXX, XXXX, I telephone the company to find out what is happening. I was told on XX/XX/XXXX, it would take twenty-four to forty-eight hours for the credit card companies, Credit Bureau Dispute in the internal division to investigate the issue. I called and talked to a supervisor who is a service representative on XX/XX/XXXX. She explained the twenty-four to forty-eight hour response time started on that date as they do not work on weekends. I telephoned again on XX/XX/XXXX and I was told to wait another day. Time is of utmost importance since we can not get a loan without the credit card company sending a letter stating my husband is not in dispute with the company. We had an excellent credit score for forty plus years and this is a first. I pay off the credit card company monthly and have no outstanding loans now. We own several homes that are completely paid for. The last loan we had was in XX/XX/XXXX in which our credit was excellent. We are in escrow now but without a bank loan and may default due to this problem. 
All we want is a letter faxed to the mortgage company stating there is no problem with my husband on the account. I have had the credit card for over twenty years without any problem

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 2021-12-04
Company: EQUIFAX, 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 have contacted Equifax several times about this error. I have XXXX accounts for the same creditor listed twice on my credit file. 
The account is listed as XXXX XXXX The first account is listed as paid in full ; second one charge off The amount are listed as the same the open dates are the same as well I have asked them to correct this matter. 
I also asked for them to provided the correct information. I asked to verify this is account belongs to me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
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:
My Equifax information has been breached, here is the proof. They refuse to delete these accounts, so please delete these from my credit reports immediately. As I was a victim of this data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX  *Account XXXX XXXX XXXX XXXX XXXX XXXX *Account # XXXX XXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I made a transaction # XXXX to charity donate to a XXXX  organization helping to make a humanitarian relief to people suffered from war via Wise remittance, but Wise ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.wise.com ) declined to do the transaction because they stated I violated their acceptable use policy and this is sanctioned entity, related to weaponry. In fact this is lies, this entity does not exist in XXXX XXXX list and never was. 
Entity I was making a transaction is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is it lawful that Wise declines to do this transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I traveled to XXXX and got a taxi which was supposed to be {$60.00} we signed a POS system and entered our email address while verifying it was {$60.00}. They were supposed to email us a receipt and never did. During the ride I received a text message from the credit card company asking if I authorized a charge for {$380.00} I replied to the text no and I also called my company immediately even while during the taxi ride. The credit card agent told me to wait until the charge processed and I could dispute it. They did not turn off my card or freeze it and I never got a receipt from the taxi company. I filed a dispute which was denied I also filed a fraud claim which was recommended by Capital One supervisor both were denied. I have asked the credit card company to contact the merchant and provide the signed copy of what we signed in the taxi and they have said even if the merchant doesn't respond because I don't have a receipt I am liable for almost {$400.00} charge that I did not authorize and I immediately notified the company of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXXXX XXXX XXXXXXXX have reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company XXXX XXXX  XXXX letting them know the account is not mine. I never signed any contract with anyone at XXXXXXXX XXXX XXXXXXXX or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which XXXX XXXX 's current claim is due is {$2100.00}. The amount has increased since XX/XX/2022. Whys is this Happening? This appears to be an identity thief. Please help to remove this item from my credit reports.

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 2023-10-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
Over the span of two months ( XXXX XXXX XXXX ) someone was using my credit card to make purchases through XXXX  ( XXXXXXXX XXXX and XXXX ) without my knowledge or permission. Once my card got overdrawn and I was notified that someone was trying to make purchases toward my account I checked the mobile app and saw that I was indeed overdrawn even though I had stopped using the card altogether over a week before I was notified. I called navy federal and together with a clerk we went through my transaction history on my card and my XXXX  history and anything that was on my credit card statement but not on my XXXX  history was marked as fraud. The amount came out to {$2200.00}. After my initial fraud claim got denied I was told to get proof from XXXX such as the transaction history and send it to the bank so I did that and even though I sent my XXXX transaction history, I was told that wasnt good enough evidence for the appeal. I was then told to find other pieces of evidence and when I asked what else would suffice I was told that I would need something from XXXX stating the purchases were fraud. After talking with XXXX for a few weeks they acknowledged the fraudulent charges and said they would refund me ( they still havent after almost a month ) and I sent a screenshot of that to the bank after I still hadnt received my refund ( as I was told to do by another Navy Federal bank clerk ) but the investigator said that still wasnt enough. After asking again what I could get that would be seen as sufficient evidence I was told that there was not going to be another appeal chance and that I would have to deal with it directly with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CAINE & WEINER COMPANY, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting in XX/XX/XXXX we started to receive emails from a XXXX account stating we had a past due balance. I was able to check our account and I could not find anything past due so I figured this was a phishing scam. We continued to receive emails from this email account ( XXXX & XX/XX/XXXX ). 

XX/XX/XXXX we received a collections letter from XXXX. At this point I contacted XXXX to insure this was not an actual bill. Case # XXXX was created by XXXX and XXXX ( support ambassador for XXXX ) was able to confirm that this was not an actual bill from XXXX that they are trying to collect. 

We reported this scam to the FTC XX/XX/XXXX. 

Yesterday ( XX/XX/XXXX ) I received a new email from Caine-Weiner trying to collect this bill. 

All documents have been added for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, DEPT OF EDXXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-06-15
Company: Experian Information Solutions Inc.
State: CA
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 begging for help with Experian they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. 
Each time I contact CFPB XXXX  responds that this matter must be investigated which they never do please look at all the complaint and have them delete this account IMMEDIATELY.

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 2020-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX   {$20000.00} XXXX XXXX {$1700.00} XXXX XXXX {$13000.00}

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I called Wells Fargo to close my credit card. I had a credit balance of {$46.00} and requested for a check to be sent to me. I called again on XX/XX/XXXX checking where my check is. I was told it would take 7-14 business days. I called again on XX/XX/XXXX, I was told by rep XXXX that I'll give it until XX/XX/XXXX, and call back on the XXXX if I didn't receive the check by the XXXX. I requested for the check to get replaced but XXXX was not willing to replace it. I called again XX/XX/XXXX, spoke with XXXX, still no check and was told to wait until XX/XX/XXXX. This has been going for over a month and it makes me wonder if a check was really sent. It is hard to trust Wells Fargo since this company has a tarnished reputation and a repeat offender.

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 2017-10-30
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX : NC DOJ # XXXX Financial Fraud Section XXXX XXXX ( XXXX ) case number XXXX OCC Case # XXXX NCCOB # XXXX # XXXX " I have been attempting to address this matter since XXXX, your help in promulgating closure regarding the XXXX escrowed funds that were never forwarded, once sold, to Nationstar Mortgage would be readily appreciated. I maybe contacted by phone, XXXX, or by mail at the NJ address provided until XX/XX/XXXX due to elderly parent 's individual personal matters. I have an upcoming XXXX XXXX County Court hearing scheduled and expedited pertaining to this situation. 


Escrow issue : XX/XX/XXXX - XXXX XXXX XXXX - closing for XXXX XXXX and XXXX XXXX XX/XX/XXXX - Erroneous paperwork - Mortgage sold to XXXXXXXX XXXX XXXX- XXXX sold financial investment to Nationstar Mortgage Escrowed funds never transferred with applicable interest from XXXX. 

The consumer concern regarding the Mortgage transferred from XXXX XXXX is clear. I never received confirmation of Mortgage Servicing Rights once the transfer was completed after the XXXX NCCOB was filed. It is of the utmost importance as I am currently addressing an identity theft case pending in XXXX County. A previous tax filing by accountant unearthed a XXXX document disclosure discrepancy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been an Citibank credit card customer since XXXX, I have not missed one single payment on my card and my XXXX score is XXXX. I have been paying the annual fee of over {$400.00} every year. 
In early XXXX, XXXX, Citibank closed my card without prior communicating with me through any form, hence I don't even know the exact date of my account closure. 
I reached out to Citibank via phone call, despite I told them I'm not physically in the XXXX right now, they said the only way to communicate with them on this matter, is through physical mail ( not with email or phone calls ).

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