BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX  ) Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX, XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, XXXX dollars were taken out of my checkings account inside my local Bank of America branch with a teller. My account was a shared account with my father XXXX XXXX XXXX. This account is used by me to put my XXXX XXXX money. I did not authorize or make this withdrawal, neither did my dad. Two days later, on XX/XX/XXXX, I called BofA and made a fraud claim. The fraud department took three months with their investigation and replied to me on XX/XX/2021, denying my claim to refund me my money. The reason, as stated on their letter, was because my pin was used. I appealed this decision and asked them to re-open the case and investigate. On XX/XX/2021, they denied my case once again. Having no other option to appeal since my case was denied twice, I went to my local branch and spoke with the branch manager named XXXX. She told me the branch would start a branch investigation. This process took long as well, about 2 months, with me always checking on the status of the investigation. On one of my checkups she told me the fraud department had sent her some footage and it looked like neither me or my father on the footage. I later checked in with her again and she told me that their case was closed for the same reason, that they found my pin was used. I am now with my arms crossed since I need those XXXX dollars to pay my XXXX. Someone stole XXXX dollars out of my tuition funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXX XXXX has been constantly charging or withdrawing money from my account for multiple years which lead me to requesting an account closure. However the account is reported to EarlyWarningServices as a closed account by the granter. This information is incorrect and EarlyWarningServices verified that the information about insufficient funds from XXXX to XXXX are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wallet was stolen XX/XX/XXXX I reported it stolen to wells Fargo, they credited my account after a week and then withdrew the money back again after deniying my claim presenting no evidence.

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 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE SEVERAL MONTHS FIGHTING WITH THIS IDENTITY THEFT PROBLEM, THEY USED MY DOCUMENTS TO OPEN BANK ACCOUNTS AND CREDIT TRJETS IN THE CAPITAL ONE BANK INTITUTION, THEY OPENED A XXXX CHECKING ACCOUNT WITH A CHARGE OF {$2600.00} CRED AND A CRED CARD {$580.00} FEE I NEED HELP WITH THESE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After i was notified of a credit score decrease, i disputed the report, explained the situation and provided the Trans Union and the XXXX all the necessary proves ( Bank Account statements ) that i have no payment due at the account which did the report, I submitted the documents in two forms, by post and by uploading on their page.

I waited one month for the investigations but in the reports it wasn't mentioned any of the facts i provided. So there was no result, it shows only that i don't miss a payment but they didn't correct my score. 
In XX/XX/XXXX my score was XXXX. After the XXXX XXXX XXXX made the report for delinquent account it went XXXX down. 
The XXXX XXXX, reported a delinquent account because they made an unauthorized payment in XXXX and XXXX, which brought my account negative. I had authorized an auto pay for XXXX, and in XXXX I was using a different bank to make payments. 
I dint have access at the account because i was overseas and didn't expect from them to make a payment.In XXXX i was Infected by Co-vid 19 and wasn't able even to think about it.After i found out, I asked them to cancel the payment because i had done it from a different account. So they did and canceled all the fees related to this, and the account went current.I contacted the bank, to send the Trans Union and other companies they had informed, a letter of deletion but they denied! So i submitted the bank statements to the Trans Union, Still they denied to correct the score even though they see that it was done mistakenly and the bank brought the account current it self by canceling the transaction. 
In the attachment, is the proof of the transactions done and cancelled by the XXXX XXXX XXXX, The payment rate is XXXX $ done at the 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 2020-07-27
Company: EQUIFAX, INC.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company 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 XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 2 emails on XX/XX/2022 at XXXX from Truist Bank stating that a new account has been opened With my name. One of the e-mails provide the last 4 digits of the new account number. 

The other email is confirmation that A user ID was created. Ive never used Truist or Suntrust for banking.

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 2020-06-08
Company: EQUIFAX, INC.
State: OR
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:
THERE ARE TWO SPECIFIC ACCOUNTS THAT NEGATIVELY REMAIN ON MY CREDIT REPORTS, NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THE ITEMS. I HAVE ATTEMPTING TO DISPUTE THE FOLLOWING ACCOUNTS NUMEROUS TIMES : XXXX XXXX ( XXXX ), & UNKNOWN MEDICAL ( XXXX ). NOTHING HAS BEEN DONE ABOUT THIS MATTER AND IT'S GETTING TO THE POINT WHERE IT'S FRUSTRATING. PLEASE HAVE THE BUREAUS REMOVE THESE ACCOUNTS ASAP. THEY'RE NEITHER VERIFIABLE, ACCURATE, NOR COMPLETE ( FCRA ), AND I DEMAND FOR THESE ITEMS TO BE REMOVED IMMEDIATELY. THEY DO NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX 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 2023-09-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Chase Banking credit card ( XXXX ) and checking account were opened in my name today XX/XX/2023, without my consent. There were hard inquiries on my XXXX and XXXX credit reports and I disputed them. I do not see an inquiry on XXXX but am contacting them to ensure that did not happen. 

I have put fraud alerts and freezes on all 3 credit reports, notified the FTC, and the Consumer Finance Bureau, and filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: The Bureaus, Inc.
State: FL
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:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT THE BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CHARLES SCHWAB CORPORATION, THE
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been trying to have my funds distributed from Charles Schwab for the past XXXX weeks. ( It states on they're site to call if it is a time sensitive matter, so I did. ) Below is a summary... 

After I sent my paperwork in the first time, they said 3 to 5 business days for distribution. I get a status update on XX/XX/XXXX, telling me they're missing paperwork. I call, they tell me I am missing 3 pages - I was actually missing 1 of the 3 pages, the other page was for an IRA which did not apply. ( Regardless, I still resent the missing page, even though I can see that I already sent the page in my message center in their portal. I also provided that message ID to the rep. ) I sent the what they requested that day on XX/XX/XXXX. The rep told me everything looked good, and the distribution would be transferred and I can expect funds soon, processing time 3 to 5 days. 

The days passed and I never got the funds. I call XX/XX/XXXX. They're still processing my request. Give it until the end of the week. 

No funds received. I call again, and I am told again I am missing paperwork. I resend the same pages, as requested. I am told it takes 4 hours for them to see the pages, ( but the prior time I resent pages, the rep confirmed they were received while on the phone. ) Each time I am on the phone I tell them I need part of the funds rolled over to another account with my current employer, and it needs to be via check and received by XX/XX/XXXX - AT THE VERY LATEST. ( I have 30 days from XX/XX/XXXX to rollover some of my funds from this savings account ). Mail time is 7 to 10 days. IF they send a check today on XX/XX/XXXX I can be rest assured that it will be received in time... .but that's probably not going to happen, hence the reason for my complaint. 

Each time they tell me they're marking my case as urgent .... 

I call XX/XX/XXXX. The request is either waiting to be processed or it is being processed, is what I am told. 

I call XX/XX/XXXX. No updates on the account. A manager says he is going to watch my account. 

I call today, I am told it is either waiting to be processed or is being processed. They don't know why it's not processed and they'll add another note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Registered Mediation Associates LLC
State: MA
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX CXXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position

Company response to consumer: Untimely response
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
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:
My name XXXX 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.SXXXX Code XXXX 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 2021-10-21
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Discover card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down XXXX points?????????? 

I called Discover to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. 

I spoke with Discover XXXX XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the Discover card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was XXXX. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. 

Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in XXXX XXXX.

Company response to consumer: Closed with explanation