BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}

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 2023-03-07
Company: Experian Information Solutions Inc.
State: AR
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 have been a victim of identity theft for several years and its a constant battle keeping negative information and inaccuracies at bay! I informed XXXX, XXXX And Experian as well as the FTC ON NUMEROUS OCCASIONS, that I Wanted an Extended Fraud Alert placed on my File. Experian Has complied and processed some of my Disputes However, Experian, XXXX and XXXX hasnt been so compliant to my disputes. All three Bureaus have disregarded the police reports Ive sent to them, The FTC Victim Affidavits and statements. I filed numerous disputes with XXXX and XXXX regarding inquiries. Any inquiry that isnt Attached to an account I did not authorize. The only Inquiry Made by me was with XXXX XXXX XXXX XXXX In XXXX of 2021. Ive tried maintaining Freezes but somehow the fraudster steal weasels around it. Ive placed in my statements to not extend Credit or check Credit without verification of my identification. To ask for multiple forms of identification by Mail or Fax or In person only. My wishes for that hasnt been Met. XXXX has denied all of my dispute claims against the numerous Inquiries that has been made to my XXXX Report : Experian Has denied the dispute Regarding the XXXX Account which was included in a police report, Ftc Statment and fraud Affidavit Ive sent them numerous times. They have violated FCRA 605B ( 15 U.S.C. 1681c-2 ). I have requested to have the negative FRAUDULENT Data Blocked, furnished all three bureaus ( XXXX, XXXX, and Experian ) the proper Documentation I.e. Police Reports, FTC Statements, identity theft victim reports and statements. Due to these bureaus not correcting Certain discrepancies and fraudulent activities, Ive been Denied Access to certain Financial Products, Fair Housing opportunities, Certain Utilities, Fair Lending opportunities, Equal Employment opportunities, Business Ownership And Expansion opportunities, Life/Auto/home & Renters insurance . I Feel that another Class action should be en motion because Im certain Im not the only U.S. consumer being subjected to these Adversities Due to the CRA ( Credit reporting Agencies ) ignorance, negligence, and disdain

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 2018-02-20
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Date : XXXX XX/XX/XXXX My company name is XXXX XXXX XXXX XXXX XXXX -XXXX located in XXXX XXXX . We have a vendor XXXX XXXX ( XXXX ) XXXX - XXXX. We purchased books from them and will remit settlement to to their account occasionally. 

Since XX/XX/XXXX, someone in XXXX hacked into our e-mail server, change the e-mail content from our vendor XXXX XXXX ( XXXX ) XXXX, asked us to remit to a new account in for the beneficiary name XXXX XXXX ( XXXX ) XXXX  with Wells Fargo. 

From XX/XX/XXXX until XX/XX/XXXX, we have made 3 transactions : 1. on XXXX XX/XX/XXXX US {$50000.00} Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 2. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 3. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX / amended bank a/c # on XX/XX/XXXX to XXXX Remittance Amount : USDXXXX When we found out those transactions are involved fraud on XXXX XX/XX/XXXX, we reported to the XXXX XXXX Police immediately and we made call to Wells Fargo Bank to report those bank accounts involved fraud, the staff from Wells Fargo Bank have checked those accounts and mentioned that those accounts ' holder name are not the same with our beneficiary name XXXX XXXX ( XXXX ) XXXX. She asked us to send the claim form for refund of remittance via our local bank XXXX XXXX XXXX. 

We did submit the 3 claim form for refund of remittance via our local bank XXXX XXXX XXXX on XX/XX/2018. However, our local bank XXXX XXXX XXXX advised that the Wells Fargo can not refund the remittance due to those accounts are closed. 

We XXXX XXXX XXXX XXXX XXXX would like to submit a complaint to Wells Fargo Bank. Why the beneficiary name XXXX XXXX ( XXXX ) XXXX of those accounts are not matched and they still transfer money into those accounts? Wells Fargo Bank seems allow those fraud bank accounts holder open those bank accounts so easily and without limitation. 

Best regards, XXXX XXXX General Manager E -  XXXX T - ( XXXX ) XXXX XXXX F - ( XXXX ) XXXX XXXX M- ( 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 2023-02-15
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending letters to the Bureaus for 90 days. They always tell me the same thing. Keep saying it is accurate. They do not show original documentation on the items on my credit file. The Metro 2 system says everything suppose to be 100 % accurate. Nothing on my credit file is correct. They have not been responding to my disputes in a timely manner. I'm uploading only a few errors that is on my credit file. That is just the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, 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:
Defamation of character and proper information being reported on my consumer report without my knowledge or consent. See attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage amount for XXXX XXXX XXXX place is {$2700.00} with THE MONEY SOURCE. 
In the month of XX/XX/XXXX however, XXXX charged me {$3100.00}. I have no lapse in insurance coverages or anything so I contacted them requesting an explanation and a refund. I got neither. 

I did realize sometimes in XXXX of XXXX, XXXX conieved with my XXXX agent to put XXXX  Insurance on my property. I immediately opted for a more reputable insurance company- XXXX XXXX XXXX. The XXXX XXXX agent and myself emailed and called in my new policy several times but XXXX pretended not to receive our barage of calls and emails. 

Then in XXXX, instead of acknowledging my new insurance information they decided to overcharge me without explanation. 

I contacted XXXX  requesting explanation for the overcharge and refund. Uptill today, I neither received an explanation nor a refund from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted Portfolio Recovery by mail to try to negotiate a settlement. They have not responded to my request. I would like the cfpd help in having them respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}

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 2023-02-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXXXXXX XXXX, 2023 my Chase account showed suspicious activity of someone using my XXXX account. At this time a {$390.00} transaction was pending to someone I never heard of. I immediately contacted my bank and filed a complaint. They stated at that time it would be taken care of. 
On XXXX XXXXXXXX XXXX, 2023 my account showed it was no longer pending but had gone through and the money was taken out of my account. I once again contacted Chase and they stated it takes 2-5 business days for them to clear it up. I do have a reference # for this claim if needed. 
On XXXX  XXXX XXXX, 2023 I received an alert from Chase stating they would not refund my money that there was no suspicious activity seen in my account. I once again contacted them stating I would be changing banks if they didn't get this cleared up. They stated the only other thing to do was to contact XXXX. Which I did, to no avail. They sent me right back to Chase stating they needed to deal with it. 
I feel the fair resolution is for Chase to reimburse my account the {$390.00}. Especially since I caught it while pending. 
Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX, I physically presented my passport which is already on file with Regions since XXXX. Upon to reporting to the bank, i requested to open a savings account to be attache to my existing checking account. XXXX XXXX, regions banker was provided my US Passport for identification which was immediately refused as she stated she knows me as a long-time customer so no need to take my passport. At that moment, XXXX requested my social security number and have be verified my ATM Pin Number and begin to process to open the savings account which was finalized. Accordingly, {$1700.00} was transferred from the checking to new savings account. 
To date, XXXX XXXX failed to document the details on account which causes several overdraft fees on my checking account due to inability to transfer my funds from the savings account to the checking. I have had several issues with regions bank due to the negligence and poor customer service. I was told I i cant use my account on XX/XX/XXXX and I will continue to assess fees. The other Agent K of Regions told me that a US Passport is not valid to open savings accounts and that my UNEXPIRED Passport is on file is not accepted for avoid fraud or risk and that it does not matter if am a customer since XXXX with the same passport. I am so so stressed which triggers my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am must now alleged that am denied equal opportunity and being treated prejudiced. I will forward my complaint also to the comptroller 's office. 
this history with XXXX XXXX to be doing a poor job is becoming chronic as this is the 2nd time she has failed to do her job effectively and only caused me stress and 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 2019-08-27
Company: TRANSWORLD SYSTEMS INC
State: TX
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: Information is incorrect

Complaint:
I called the company on XX/XX/XXXX after seeing them report deroggatory on my credit report to see who they were and why were they reporting {$25.00}. the representative told me that the company had contacted me. When I questioned him as to when and who did I talk to his resonsed ; that we called you but company policy prevents us from leaving a message. If you call a person and do not let them know you are calling that is not a contact. Since that conversation Trans world Sys Inc /XXXX - ( XXXX ) XXXX has once again reported to the credit bureaus numerous in the Month of XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I am not clear as to what this company is doing and hope that consumers can be protected from them. Additionally, I did not receive any correspondence from this alleged debtor. 

Can anyone just drive your FICO down on a wim? Is there any request through anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: U.S. BANCORP
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My ex-wife and I have a mortgage and a HELOC through US Bank. We got divorced, and I subsequently went bankrupt. My ex-wife would like to purchase the house, but US Bank has been unwilling to send a payoff quote. She has been trying for approximately six months to get this settled, and I personally have contacted the bank at least 4 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have all 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 explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called equifax on XX/XX/2022, and spoke with representative about why a financial services company couldn't access my credit report. They told me it was because of a dispute that was incorrectly reported and that my report was locked. My report was never locked by me. Also my current address is incorrect and they won't fix it even after verification of my identity. They have my old address on file only and told me to go online to change it. I can not change it on their online under my identity. My current address is on all of my credit accounts and they keep giving me the run around that they can not fix it and a lender will not lend to me for a home until it's fixed. My current address that should be on file is XXXX XXXX XXXX XXXX, PA XXXX. Upon further investigation it seems this happens to alot of people and now is happening to me. I don't know what else to do because I can't get anywhere with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted about a debt in XXXX for {$280.00} and spoke with someone from Midland Funding LLC who said that they had bought the debt from XXXX/XXXX. I told them someone was trying to use my information to open accounts, that I didn't request or authorize it. I think they said it was opened at a XXXX in Kansas ( possibly Massachusetts ), and let them know there was no way that could be me - I hadn't traveled there at all in XXXX, didn't authorize anyone else to use my information, and I also don't shop at XXXX. More recently I've learned that instead of removing the debt because of the identity theft/it not being owed by me, Midland Funding reported the status as in collection, and it's lowered my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/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 2023-02-28
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my income taxes deposited to my credit karma spend account and the very next day I was not able to access my funds so I called customer service and was told my account was closed and they weren't qualified to tell me why. So they said to wait on an email because they were escalating my concern to the right department after I told them my account was wrongfully closed. They emailed me and said they were escalating my case again to have it investigated by the right department. After waiting a couple days I still heard nothing since then I've repeatedly called and emailed credit karma about my account. no one will tell me what's going on and now it's showing that the account is frozen. They have my XXXX XXXX and I need it. Today my sister in law said they're doing the exact same thing to her so I went online and seen many recent reviews of people complaining of credit karma freezing and closing their accounts with no explanation. I have all my efforts to resolve my matter saved.

Company response to consumer: Closed with explanation