BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 checking my credit report and I noticed inquiries that I had not authorized. I have contacted the credit bureau several times and disputed these inquiries, but the only thing they say in return is that the company verified the information. How can you verify if I have not applied for anything? XXXX has listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX . Experian has XXXX XXXX / XXXX XXXX. XXXX has no inquiries reporting because that is accurate.

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 2023-03-13
Company: Experian Information Solutions 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 2nd 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
NO/LATE Response to Dispute (Experian)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have submitted a dispute through Experian through USPS Certified Mail on XXXX XXXX XXXX, the document was verified and received on XXXX XXXX XXXX, the estimated completion
date was XXXX XXXX XXXX The estimated mailing received date was XXXX XXXX XXXX The
credit bureau used more than the allotted amount of time given to respond. I have also attached
photos of the receipts for the certified mail, as well as a copy of the dispute letter sent to the
bureau. Attached you will also find a photo of my XXXX Identification card.
Under the "Fair Debt Collection Practices Act",
 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in
connection with the collection of any debt. Without limiting the general application of the
foregoing, the following conduct is a violation of this section:
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector
for the collection of a debt.
(11) The failure to disclose in the initial written communication with the consumer and, in
addition, if the initial communication with the consumer is oral, in that initial oral communication,
that the debt collector is attempting to collect a debt and that any information obtained will be
used for that purpose, and the failure to disclose in subsequent communications that the
communication is from a debt collector, except that this paragraph shall not apply to a formal
pleading made in connection with a legal action.
 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection
of any debt, a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;

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 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment any on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 as youll see in XXXX of the attachments Wells Fargo was sent all of the required information and was also advised that my late mother XXXX XXXX to whom was also on the mortgage is now XXXX. And that were currently in the court proceedings and once I gets the money myself and Wells Fargo can finally move fwd however as you can see in their own response they can careless. And I gets a letter from them which is also attached in reference to my new Mortgage Payment amount thats due on XX/XX/2023. But yet they has my home scheduled for XXXX on XX/XX/2023. To which is a total contradiction on their behalf

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: OneMain Finance Corporation
State: NY
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:
Main financial has reported a charge off to consumer reporting agencies which is illegal because a charge off is considered cancelled debt and cancelled debt to the IRS is income. Income can not be reported on my consumer reports. Also I never have them written permission to furnish anything on my consumer report which invades my privacy. Other companies seeing this can damage my reputation and can cause emotional and other types of damages which is defamation. Not only is main financial reporting something they arent suppose to they are committing tax fraud as well. In the finance charge it states if I default then they will get paid in insurance money. Putting the account as a charge off is stating I defaulted in the money which means they got paid there insurance money and they also received a tax write off as well. They dont want to send me a 1099c so I can report this income to the irs . So I will be making a compliant also to the irs which will make them send me the 1099C that they have to send me. 15USC 1681 - explains how anything furnished on my report must be because I did a written authorization for it to be reported in my report. I never authorized this to be furnished in my report. As far as I seen this has been furnished to XXXX, XXXX, XXXX XXXX  XXXX I am still waiting on the order of other consumer reporting agencies to see if the charge off is reported there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 checking my credit report and I noticed inquiries that I had not authorized. I have contacted the credit bureau several times and disputed these inquiries, but the only thing they say in return is that the company verified the information. How can you verify if I have not applied for anything? Transunion has listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX / XXXX XXXX. XXXX has no inquiries reporting because that is accurate.

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 2023-03-13
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
The Citi Bank Credit Card : I havent received a credit card statement and the credit bureaus have not been reported to in over XXXX days. Therefore my credit utilization ratio has been way higher than it really is for over XXXX  months. Which then messes with my eligibly credit wise and puts my life on hold.

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 2023-06-05
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I tried to use my debit card and it said declined which was embarrassing and I had a line behind me at the store so I went to my car and checked my email I see that chime sent to me a email stating that they were closing my account because of some violation terms which isnt true I have had that card sense XXXX and only paid bills from and received direct deposits or send money to family members

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I get over draft fees even if i transfer the money way before they are asset and payents have not been paid even if the money is in my account and i have tries to make purchases but my accout in locked without notification saying the did it for fraud activity

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 2022-02-13
Company: Amscot Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was forced to change from an Amscott card that I used for years without a problem to an XXXX Card which was trying to " be much more than a pre-paid card '' and for my first big purchase I put a large amount to my XXXX Card for a Valentines Day dinner last night I found out my card had been compromised that day and my dinner and my card where denied. 
This caused a huge embarrassment and loss of potential employment when my fellow diners saw that my card was declined. 
I called the number when I got home and found that a unauthorized purchase had been made that very same day. XX/XX/2022 which put my card below the very expensive dinner I had planed to pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
When funds are supposed to be available 3 days after transfer, its taking 10 days in actuality for Marcus/Goldman Sachs to do so. 

See the attached Instant message exchange I had with Marcus to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter dated XX/XX/2022 stating that my Bank of the West checking account, account number # XXXX would be closed effective Friday, XX/XX/2022 and that the funds in my checking account would be in the form of a cashier 's check and mailed by First-Class U.S. Mail . Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
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:
I first submitted my police report to Equifax on or around XX/XX/2017 regarding the items that were in question on the report and they have since then deleted the items one by one at a time. The only item that is remaining on my credit report is XXXX XXXX. Both XXXX and XXXX has deleted the items on the police report. I have sent in documents numerous times to Equifax including a FTC Identity theft report and a letter showing deletion of this account with XXXX XXXX being deleted from XXXX. The item in question was not reported to XXXX. I have sent Equifax copies of these documents via fax and mail. When I would call to check they would state they did not receive all of the paperwork that I am stating or that it was blurry. And I have certified mail receipts that they received my documents but they would say that they had not. I spoke with a supervisor by the name of XXXX whom I asked why is it that when I try to send my documents via fax or mail I'm having a problem with this particular company on regarding this account with them. This guy put me on hold for well over 30 min and still would not give me an answer on what I could do to actually make sure that my documents are not going unnoticed and we get to the bottom of this. He basically just sat on the phone as if he was not even listening to me and my situation was not of any concern to him

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Jon Barry and Associates, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX keeps calling my home phone XXXX even though I have had no business dealings with this company and have no debt associated with them. I would like the repeated phone calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Monterey Financial Services LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
my credit report says XX/XX/XXXX XXXX was opened I don't know when it was another date says the status updated was XXXX XX/XX/2019 I believe it was my ex-partner who opened this account without my knowledge I've tried contacting this place but is XXXX names on the collections I've asked them to remove it since i since it was join with XXXX XXXX  i know it was him that did it without me present i don't know when i have a collections agency on the report with name of MONTEREY COLLECTION SV and is for original creditor XXXX XXXX XXXX XXXX so i don't even know where to call I've been trying to dispute it for almost a XXXX and i can't i need this off my credit i have paid everything so i can improve my credit my debts this is not mine and is affecting me a lot i have no information on him and i don't know what to do i need help on escalating this to fraud i cant solve this issue this was not made on my part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Account status incorrect

Complaint:
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of XXXX and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
Credit hard inquiry done on my name, not even my social security number, done on XX/XX/20. I tried getting deletion of account from sync/tjx XXXX XXXX. TjMaxx credit card. I did not apply for credit, yet i was penalized and since have not been able to delete from my credit reports. Both XXXX  and Synchronchy bank  have not corrected problem. I file a fraud case with FTC and when I sent that to XXXX, they received report, but when they uploaded it to their system, it was not legible to fraud department. They ordeal has caused me financial hardship and i am thoroughly disgusted at that fact that nobody cares what happens to me, because of peoples errors against me. I have since sent my copy of FTC report to Transunion and hoping they will correct report and delete synch/tjx XXXX credit inquiry from refit bureaus.

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 2023-09-02
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX  is reporting inaccurately and XXXX XXXX XXXX a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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