BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: CL Holdings LLC
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 letter is in response to your letter on XX/XX/2021 related to the debt referenced above. I wish to save us both some time and effort by settling this debt. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I am willing to pay this debt for {$300.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$300.00} payable to Jefferson Capital in exchange to have all information related to this debt removed from all of my credit files. 

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Jefferson Capital. The letter will be treated as a contract and subject to the laws of my state. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: P&B Capital Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had no knowledge of these credit agencies putting these collection on my report without my knowledge. They appeared on my credit report within the past 6-12 month span ranging from {$500.00} - {$3700.00}. I have different companies constantly calling and emailing me for a collection I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you, as I was a victim of wire fraud during a real estate transaction recently, and I was unable to get information regarding my claim until an email was received today from Wells Fargo, with incorrect information and stating that I would not receive my money back. Prior to today, XX/XX/2022, every time I called I am transferred a minimum of 7 times, and everyone states that they can not help me and need to transfer me again. After an hour of this or more daily, I hang up. I also have had Wells Fargo employees telling me different things, and some who have stated that they can not find the claim. I have emailed the Board of Directors at Wells Fargo last week, and still not one of you has had the decency to contact me regarding this matter. Today, I spoke with XXXX XXXX. To follow up on the email I received and explained that I had wired the money on XX/XX/2022, and on XX/XX/2022, I reported that the title company that the money was sent to, just notified me that they didnt receive the money and report that the wire instruction email was intercepted by fraud.. XXXX stated that the records show that it was reported that I notified them on XX/XX/2022, and there was nothing else they could do to help me. That {$18000.00} was my entire savings and I am currently homeless, have no money and in a state that I recently relocated to. I have been in tears daily, explaining this over the phone or in person to Wells Fargo employees, and nobody will help me. I was initially told by your Wells Fargo that I would receive my money back in a maximum of 10 days, and that was on the day reported, XX/XX/2022. however, It has been much longer than that and I can not even receive an update. The FBI was notified after I was aware of the situation too. This is ridiculous and horrible customer service, and I need I am definitely going to remove the little bit of money I have in Wells Fargo and transfer to a better bank ; Wells Fargo has been incompetent and not following their own CODE OF ETHICS. Why would anyone want to have their money in your bank when this is what happens. Banks are supposed to protect customers and treat them with respect and as a human being and protect their money when things like this occur. I have spent so much time and energy on this issue and have not received any further information than was given to me the day that I reported the claim. This situation is extremely stressful, and Wells Fargo has just made it much worse than it needed to be and they are not assisting me with this situation. I would appreciate anything you could do to help me or guide me in the right direction, as I lost my entire savings. 

Thank you 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 2019-04-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I disputed incorrect information on my credit reports in XXXX and still have no completed results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2021-03-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2021-11-22
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:
This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was victim of Transunion inquiry issue. I have inquires on my report that are not valid. I contacted Transunion multiple times and constantly was hung up on and finally asked to speak with a supervisor who did not speak good English and ended up saying they could not help me out. Below are list of inquiries that are not suppose to be on my report due to their mishap. 

XXXX XXXX- inquiry form XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX/XXXX  - inquiry from XX/XX/2018 XXXX XXXX XXXX inquiry from XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX XXXX- inquiry from XX/XX/2018 XXXX - inquiry from XX/XX/2018 XXXX - inquiry from XX/XX/2018 XX/XX/2018

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 2023-12-11
Company: Credit Karma, LLC
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Credit Karma double-charged my rent payment and car payments which are my largest expenses. This resulted in an overdraft of over {$2000.00}. On XXXX I tried to notify them by phone, but after 40 minutes on hold the call disconnected. I reached out on chat, and after another wait, I explained the issue. They stated they were going to transfer me to a specialized department but that was also dropped. They then emailed me which I replied to with documentation showing which transactions they charged twice. It is now XX/XX/11 I have had no access to my money to buy food or other necessities, instead of fixing my account, they are threatening to drop me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Credit Karma, LLC
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX a fraudulent charge of {$22.00} was posted to my account through a debit card that was previously replaced and should have been deactivated. This charge was after I reported the same transaction for the same amount of money, as fraud the previous month and requested a new card. 

Credit karma refused to remove the charge both times and can not answer as to why a deactivated card was able to be charged. 

In, fact credit karma denied every single charge dispute Ive ever made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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:
Its not fair that I became a victim of identity theft and I have fake inquiries and accounts that destroying my score. I can not proceed in my financial planning like at all. Look this is not fair situation and I want to get rid of these items. Please delete them from my credit report. I do not deserve to suffer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XXXX XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX  XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 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, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1100.00}

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 non-monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NV
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 2023-12-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as they are reporting me as late despite my punctuality.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-09-12
Company: U.S. BANCORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I submitted a written request to US Bank asking them to investigate 6 separate fraudulent ACH withdrawals from my Property Management Trust Account. Someone was apparently using my trust account to pay their personal (? ) XXXX XXXX bills. I also contacted XXXX XXXX to see if by using the tracking numbers they could find out who did this but they said they could not do anything until US Bank 's fraud department contacted their fraud department and that between the two of them, they would figure it out. 

I had yet to hear from US Bank after hand-delivering my letter on XX/XX/XXXX so late last week I began leaving messages for them to call me back regarding a follow-up. Yesterday after my second call, I received a call back. I was told that no adjustment could be made because with ACH withdrawals I only have 24 hours to notify them of the charge regardless of it being fraud. This makes absolutely no sense whatsoever. 

There are reference numbers on my bank statements that SOMEONE from XXXX XXXX OR US Bank should be able to track to see who did this. MAYBE it was simply an error? But with no one willing to even check into the possibility, the only one that got hurt here is me since I have to put the money back into the trust account from my own pocket. 

Thank you for taking the time to read this - I hope to hear from someone soon. I will upload my letter to US Bank AND their response once I receive it.

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 2023-08-30
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: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported 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