BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Resurgent Capital Services L.P.
State: PA
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 continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX, and they have all been removed. XXXX and XXXX continue to play these games saying its been verified, or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 

LVNV/XXXX XXXX XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 

XXXX XXXX XXXX XXXX # XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me or remove it! 

XXXX XXXX XXXX XXXX XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 

XXXX XXXX XXXX Is missing payment history, shows inaccurate information and shows late XXXX days back-to-back months. Please provide physical proof this account belongs to me or remove it! 

XXXX XXXX XXXX XXXX XXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back XXXX months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 

XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 

XXXX XXXX XXXX # XXXX This account is missing payment information and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone used my personal information to open a Checking and Savings account with Bank of America in XXXX. It is now XXXX and after several calls with Bank of America and proving that I am me, Bank of America will not close these accounts. These accounts were both opened when there was an active XXXX XXXX on my credit accounts. Bank of America did not attempt to contact me like suggested by the fraud alert before opening the accounts. Today ( XXXX ), Bank of America allowed someone to try and open a credit account in my name. Directly after the XXXX incident, I have my credit frozen at all three bureaus, yet Bank of America still did a hard hit on my credit ( XXXX point decline... ) I contacted them again and they, again will not help me close these 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: Bread Financial Holdings, Inc.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I deposited {$100000.00} into Bread Financial to start a new account. On XX/XX/XXXX, I attempted to access the account online. I could not do so. I called customer service and worked for approximately 1.5 hours on attempting to access the account and could not gain access. The rep stated " well, just try tomorrow ''. After ending the call, I felt very uncomfortable. I called customer service again and requested that the account be closed and the money refunded to the originating account. The rep stated that would happen in 3-5 days. 

On XX/XX/XXXX, the account was still not closed nor the money refunded. That day, I received a letter from Bread stated my account had been suspended and to get into my account, I would need to provide government ID, a bank statement from the originating bank, and my social security card. I submitted those items on XX/XX/XXXX and requested an immediate refund of my deposit to the originating account. I also spoke to a rep that day who again stated that the money would be refunded in XXXX business days. 

On XX/XX/XXXX I still did not have my money. I again called Bread. I spoke to 3 different representatives in Account Protection. " XXXX '' told me that all deposits are held for 30 days and I would get my money on XX/XX/XXXX. I stated I had no documentation stating that is the case and I wanted my money today. She passed me to XXXX who stated that the " executives '' needed time to do an account review and that is why my account has not been closed and my money returned to my originating account. She stated there is a transfer in the system for XX/XX/XXXX. I then called again and spoke to " XXXX '' who again stated the money would be transferred on Monday XX/XX/XXXX and to call at XXXX am if the money did not show up in the originating account. 

On Monday, XX/XX/XXXX, the money was not in my originating account. I called and again spoke to XXXX. She stated the account is in the process of being closed and I should have the money by Thursday. I asked to speak to somebody up the chain and she stated there was nobody else with whom to speak. 

I have no idea how you get from " transfer is scheduled '' to " account being closed ''. I have no idea why the money is being held-now for over 30 days. I have no confidence that my money will be in my account any time soon. I get multiple stories when I call about the situation and I feel as if Bread has stolen {$100000.00} from me and feel quite powerless to get any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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: Their investigation did not fix an error on your report

Complaint:
In XXXX an unauthorized account by the name of XXXX was being reported on my consumer profile. In XXXX XXXX charged the account off and sold the debt, a 1099-C was never issued pursuant to 431 IRS Rule. I disputed this account in XXXX with Experian and XXXX, unfortunately it was not resolved. Due to this account being fraudulent there is severe misreporting. XXXX is reporting a high balance amount while Experian reports XXXX as a high balance. The open dates for the account are very different ; XXXX is reporting an open date of XXXX and Experian is XXXX XX/XX/XXXX. Lastly, XXXX says this account is a " XXXX XXXX '' while Experian says it's a " Credit Card ''. This account needs to be removed immediately, it's placement on my consumer report has caused grave damages.

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 2020-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
The only credit bureau reporting unknown account. This account has been guaranteed not verified. No obligation to Chapter XXXX Bankruptcy. By federal law, this account shouldn't be reporting and in violation of FCRA laws. Submitting complaints prior to seeking legal counseling due to non compliant accounts and credit bureau not investigating into damaging accounts and falsely verifying as accurate. It's been past the allowed timeframe.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 U.S. Code 1666b - Timing of payments I was not made aware that I was late. I was not contacted or informed of this information. 

15 U.S. Code 6802b I never opted in to have my information released. I was never provided an option to opt out. 

15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

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 2021-09-15
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Opened XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: VA
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:
The account in Collections from XXXX XXXX has some inaccuracies through out all three bureaus. The status shows as Open and Past Due, Dates of last activity is not matching ( all 3 are different ), And all 3 reports have different payment history. 

The account with XXXX XXXX is for the same account as XXXX and XXXX, none of the three reports match. Dates are different, the balance and payment history does not match. Lots of inaccuracies. 

Can both companies report the same 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 2022-10-14
Company: Experian Information Solutions Inc.
State: MS
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 have fraudulent accounts and inquiries or my credit report. I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please verify each of these items and send me any written signature or agreement relating to these acounts and inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Resurgent Capital Services L.P.
State: DE
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 credit reporting act. The accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account Name, LVNV FUNDING LLC has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right 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 an account without my written instructions.

1. An acknowledgment of the dispute within thirty ( 30 ) days. 15 USC Sec. 1666 ( a ) ( 3 ) ( A ) ; 2. If the error is not corrected, a written explanation report following a reasonable investigation, including the production of documentation evidence, within ninety ( 90 ) days. 15 USC Sec.

1666 ( a ) ( 3 ) ( B ) ( ii ) ; and 3. No restrictions or adverse actions on the account, pending resolution. 15 USC Sec. 1666 ( d ).

FAIR CREDIT BILLING ACT VIOLATIONS. Failure to follow the rules pending resolution : 1. Relinquishment of the right to collect any alleged debt on the account. 12 CFR 226.13 ( d ) ( 1 ) ; 2. Exposure to liability for actual damages plus twice the amount of the finance charges. 15 USC Sec. 1640 ( a ) ( 1 ) & ( 2 ) ; and 3. Potential criminal liability for willful and knowing violation of the FCBA and other Truth in Lending provisions. 15 USC Sec. 1611 ( 1 ) & ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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, and I'm including it again. XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX, XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance XXXX {$3800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$28000.00} 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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I lost my wallet on XX/XX/XXXX. I thought I had left it at Capital One bank in XXXX NJ but when I went back it was not there. I believe it was stolen from there so can the FTC please check the cameras there? My Capital one debit card, XXXX Credit Card, anXXXX XXXX  credit card was stolen. In my wallet, I keep my PIN numbers and passwords to everything because I have bad memory problems due to my mental health. My PIN numbers and social media accounts has been completely compromised XXXX XXXX XXXX someone used my Capital One Bank Card at multiple locations. I informed the bank about someone stealing from me and they agreed to issue me a new card and investigate this matter. I really need this investigation done thoroughly by the bank, FTC, & CFPB because I lost a lot of money due to these fraud transactions : XX/XX/XXXX : - ATM WITHDRAWAL for {$1000.00} - XXXX XXXX XXXX  for {$13.00} - XXXX for {$1000.00} - XXXX for {$1000.00} XX/XX/XXXX : - XXXX  for {$31.00} - XXXX XXXX for {$170.00} - XXXX XXXX XXXX XXXX for {$10.00} - XXXX XXXX for {$26.00} XX/XX/XXXX : XXXX XXXX  for {$3.00} XXXX XXXX for {$6.00} XX/XX/XXXX : ATM Withdrawal for {$1000.00} XXXX XXXX XXXX XXXX for {$210.00} XXXX XXXX XXXXXXXX XXXX for {$190.00} XXXX  XXXX for {$20.00} XX/XX/XXXX : ATM Withdrawal for {$1000.00} XXXX XXXX XXXX for {$20.00} XX/XX/XXXX : XXXX XXXX for {$16.00} XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXXor {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Looked for one ticket to purchase for the XXXX XXXX XXXX. Found a post on XXXX. Used text messaging to contact the person. He then proceeded to tell me he has two tickets. I happened to find two posts on XXXX with the same description inside of the post, yet different phone numbers to contact. Person told me that's his girlfriend 's post. 
He texted me a picture he took on his laptop with the g-mail email pulled up of the XXXX XXXX order ( order # XXXX XXXX ) .I asked for proof of drivers license or ID. He sent me a " selfie '' holding up his California DL with address blacked out. I did the same, sent him a DL selfie with my address blacked out as well. His DL name matched the name on the email he previously sent the picture of to me. 
He asked what bank I use, I told him Wells Fargo. He gave me the email to add him so I can transfer money through XXXX online on Wells Fargo. 
He asked for half money upfront. I agreed, sent {$250.00} first. 
About an hour later his girlfriend used his phone to text me a picture of the same email order showing the XXXX XXXX Tickets with just my name changed on top. I asked for another better picture showing the date/time on the laptop and they sent that image as well 10 mins later.

It didn't seem right but she said she doesn't want to get scammed and she will send me the confirmation email once I send the second half of the payment. I then proceeded to send another {$250.00}. I waited 30/40 mins and all he/she could text me was " Still waiting on the Wells Fargo email that you sent the money ''. 
I then told them I had to go to sleep I work very early in the morning and I trust that I'll wake up to the text and email confirmation that the ticket has been transferred. 
I woke up with no email or text from them. I then proceeded to do even more research about XXXX transferring XXXX XXXX tickets. I called Wells Fargo in the morning, they could not provide me any information about the person. I called XXXX and there's nothing they could do either. I reported this incident on IC3.gov as an internet crime. I reached out to XXXX and they don't take responsibility because I went through Wells Fargo. Wells Fargo blames XXXX and so the cycle continues with no resolution.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on 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