BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-12-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is inaccurately furnishing information to XXXX and Experian who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

Transunion : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX XXXX XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

XXXX : XXXX XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX XXXX XXXXXXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX  on XX/XX/XXXX and again on XX/XX/XXXX XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX In the amount of {$3900.00}.

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 2023-05-27
Company: FIDELITY CAPITAL HOLDINGS, INC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, I went to court against XXXX XXXX XXXX because the landlord XXXX tried to evict me with false reasoning & collect amount of money he was never owed. XX/XX/XXXX, Judge dismissed case with prejudice because XXXX XXXX had zero proof for all claims. Nothing was owed to them, and I was given the decision on moving or remaining in their property. I moved out of their property the end of XX/XX/XXXX. We were sent the same letter that stated they had only within 30days to file another motion for any owed debt again. We never went to court again after they loss. Nothing was filed in that year at all under my name. XX/XX/XXXX, I was notified from XXXX that theres a new debt on my name that just reported within that same month stating I owe double the amount we went to court for originally & now I cant have it removed because its reported to some untrusted collection agency who has multiple numbers & unable to do anything. I need this removed off my name immediately it is stopping me from trying to buy or rent or homes because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was giving an apple credit card that just popped up on my XXXX. I didnt apply for it and do not want it. Tonight I started to see fraudulent charges on my account. I tried to cancel this account which by no has been compromised. They will not let me cancel the account. Ive asked over 20 times on chat and they wont even acknowledge that Im asking to cancel this card. I need help. I dont want this card and didnt apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-09
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened up an account in my name on XX/XX/2023 for XXXX and charged up to {$840.00} and let it go to collections. The address associated was XXXX XXXX XXXX XXXX, TX XXXX I never lived here. I have lived at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX for over 12 years and XXXX, TX prior to that. The number and address associated with the company is ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The collections company is CREDENCE RESOURCE MANAGE Account number XXXX This needs to be addressed please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct number XXXX is in violation of my rights. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX is in violation of my rights. 
In accordance with the FCRA XXXX acct XXXX has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX acct number XXXX and XXXX XXXX acct number 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 States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it concern. 

I am a person with good credit score who pays his debts and obligation as a respectful and good citizen. 
I am victim of a fraudulent action from AMSHER COLLECTION SERVICE AND XXXX. 
Both companies are charging me {$1000.00} for a cell phone service that does not below to me. 

The account or service they are trying to collect belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It is true that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Was my company by XXXX  but I transferred this XXXX  to the new owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reason I contact the bill department of XXXX and the answer was that I was right and everything was a mistake ; because the phone bill should be pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX who is the owner of the XXXX  on mention. XXXX did not give me any receipt or document that support that I do not owe any money to the cell phone company because I was not in the system. 
The customer service said to me Dont worry XXXX XXXX you are not in our system that account is not yours. It belong to other person and we can not give you information that does not belongs to you I notice to the new owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. About this situation but I dint get any answer from hem. 

Even I ask to myself what kind of phone service without contract costs {$1000.00} when a phone service should be cut off after a month without pay!!!! 

I am victim of fraud, abuse and harassment from AMSHER COLLECTION SERVICE AND XXXX. Something that is not easy at this time when inflation and the economy of the country are very difficult for any American family. 
Built a good credit take years and I can not believe that two large companies use all its power to destroy families without consequence. 

Thanks for your time, help and comprehension From a man with good faith

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert on my credit report and noticed that there was a charge for collections for a service. I had no knowledge of. I reached out to verify my identity and they have not removed the charge. They just said the charge was valid I do not live at that location nor that city and I submitted documentation showing my identification and where Ive lived since XXXX and they still have not removed that collections from my credit report or my name. I have disputed with all 3 credit agencies and nothing has been done to remove it. 

XXXX - XXXX XXXX - XXXX Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXXXX/XX/XXXXOriginal creditor XX/XX/XXXX Opened XX/XX/XXXX ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-08
Company: EQUIFAX, INC.
State: MA
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 am writing to bring to your attention a matter of concern regarding incorrect information on my credit report held by Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following inaccuracies in my credit report. To date, I have not received any response from them. I am providing the details of the inaccuracies and the necessary corrections required : The account with the following details was never late : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please correct/update this inaccurate information on my credit report. 

The account with the following details was never late : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Please correct/update this inaccurate information on my credit report. 

The account with the following details is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The account with the following details is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Original Creditor : COLLECTION Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Consumer law has been violated in accordance with15 U.S.C ss 1681s-2 ( B ), by continuing to furnish inaccurate information to my credit file after I have brought to their attention the inaccuracies of the information reported on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL THREE CREDIT REPORTING AGENCIES repeatedly claimed verification of the account when its the accuracy that is in question. I will hold XXXX, Trans Union and XXXX liable for reporting this inaccurate account and pursue damages as permitted for violating my rights after I have bought the inaccuracies in detail to their attention. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
XXXX did not cancel the subscription renewal after I told them to. They charged my card again. I told Capital One to reverse the charge since I did not give XXXX the right to charge my card. 
XXXX website does not allow anyone to cancel the account. 
XXXX does not answer their phone line. 
Letter sent to XXXX to reverse this charge. 
I can not use the XXXX services even after they charged my card. 

Capital One did not protect me for the amount of {$29.00} and charged me XXXX for disputing this charge. 

This is wrong of both companies to promote fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XX/XX/2022 I received a XXXX loan from Wells Fargo. I paid off the loan in XX/XX/2022. I applied for a new loan, within 2 weeks, in the amount of XXXX and was turned down. I have been given numerous conflicting reasons for the denial such as length of accounts are too new, insufficient income, checking account balance too low. Nothing has changed financially since my previous loan. I suspect retribution on Wells Fargos part. I am a XXXX veteran with guaranteed income, I have 100 % on-time payments for 20 plus years, my credit scores are good. I get direct deposits regularly and I pay my bills on time. Something is rotten within Wells Fargo. I wondering if they are still practicing illegal loan practices. I know Wells Fargo has recently paid over XXXX XXXX dollars in fines and restitution for illegal practices. 
Without this loan I will become another homeless veteran. I have tried my best to resolve this issue with Wells Fargo and get nothing but conflicting reasons and a general run around. Something is absolutely wrong here.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 USC1681. 

XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-10-18
Company: EQUIFAX, 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:
My name is XXXX XXXX, I have been a victim of Identity theft, and I am hoping the Consumer Financial Bureau and the FCRA can assist me getting my financial life back together. All the accounts listed below are fraudulent and should be deleted immediately.

WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT and nothing has been doneAccount Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation