BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
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: Information belongs to someone else

Complaint:
I got my identity stolen in XXXX but was not made aware until XXXX of XXXX, and til this day its been an ongoing problem, Ive gotten bank accounts compromised, cars gotten in my name, phones, accounts opened without my knowledge etc. I was able to get some of the damage from the fraud taken care of however despite the evidence and the police reports Experian refuses to take off a couple accounts that they know arent mine. XXXX and XXXX finally complied and took off said accounts so I can have the correct and fair score but Experian refuses to. I even tried to get the address removed that they were doing fraud with and they said no because it was reported to them by several accounts. Those several accounts werent even mine. If my identity wasnt stolen how did a XXXX XXXX card get opened in XXXX of XXXX. I was XXXX! I didnt even have a bank account yet. I just want my situation to be resolved, this has literally caused blood, sweat and tears for me.

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 2021-08-16
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:
Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2018-02-09
Company: Experian Information Solutions 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 do not have mail or debt at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 2022-09-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Experian that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act this unknown item must be deleted : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX , XXXX XXXX XXXX XXXX Date opened XX/XX/2016 Balance {$35000.00}

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 2021-11-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Throughout the year of 2021, approximately {$44.00} have been withdrawn from my personal bank account and deposited into an HSA account via XXXX XXXX- a division of Webster Bank on a biweekly basis for the purposes of covering my medical expenses. Since the beginning of the year - almost monthly or every other month, I've attempted to use the debit card supposedly holding the funds to pay for what is CLEARLY APPROVED MEDICAL EXPENSES and the card has been denied each time. I currently have a medical bill for over XXXX XXXX dollars on its way to the credit bureau if it has'nt arrived there already. I've spent several hundred dollars of funds that I have set aside for personal expenses to cover medical costs such as prescriptions, feminine hygiene products, and even urgent care facility visits. Meanwhile, my so-called HSA account has over {$1600.00} of money that I earned that I can not access or use. 

I'm extremely excited about the cryptocurrency era rapidly approaching and hopefully taking over. I'm even more excited that companies with an emphasis on actual customer service and customer satisfaction like XXXX are considering providing health insurance. 

This is just unfair and unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
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 USC 1681.

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 XXXX 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 non-monetary relief
Consumer complaint received 2023-12-28
Company: Kikoff Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kickoff Lending reported to XXXX that I was 60 days late on my payments. this is not the true, I was never late on my payments. I was always on time. I paid the loan off a very long time ago. There was a saving account that I took out but I tried to cancelled it two months later, I sent them e-mails and messages for over 2 months and no one answered me back. I told them I wanted to cancel the saving account but I never was able to get anyone to response back to me for over two months, I had to finally send them a letter asking them to please close the saving account. They put it in the credit bureau that I was 60 days late but if they had answered my e-mails and messages they would have known I ask to close the account but they never responded to any e-mails or messages. They told XXXX I was late on the saving account but I ask to close the account but they never responded back to me until I sent the letter, They said they would change it with XXXX but they never did. I want them to correct their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX XXXX XXXX  refuse delete hard inquiry and wf crd svc refuse

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 2022-09-08
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
After multiple attempts to solve this problem, I have decided to file a complaint with CFPB. There is a late payment reporting on the month of XX/XX/2021 for my account. During the time, you guys were notified that I had XXXX XXXX XXXX XXXX XXXX. This was during the huge spike in XXXX in XXXX cases and XXXX XXXX XXXX, as a result my employment was affected which is why the late happened. From what I understand, if I had fallen ill and was unable to pay there is a law that protects this from reporting as a late on my credit report. Please look into this as I have always been a good customer and paid my bills on time. If it would not have been for a situation out of my control, this would have never happened. This is now affecting my whole life as my credit score dropped XXXX points for something I have no control over. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax, XXXX, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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:
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 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

I fell victim of fraud my XXXXXXXX XXXX accounts was comprimised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Cares Act creditors/credit bureaus are not allowed to put late payment info during times of covid XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Experian Information Solutions Inc.
State: LA
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 identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified Experian multiple times but they won't remove it off my credit report. XXXX also has a missed payment on my Experian credit report that needs to be removed, I was never late on.

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 2020-12-21
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I created a XXXX credit score account. Upon reviewing my XXXX credit report, I saw a debt that I did not recognize, allegedly due to " Central States Recovery, Inc. '' I reviewed the debt and have no reason to believe that I owe it. I never received written notification or any other communication from Central States Recovery about this debt before seeing it on my credit report. None of my family members have been contacted by phone, mail ( my home of record ), email, or otherwise. I have no reason to believe that they ever sent me the required written notification of this alleged debt. I called Central States Recovery on XXXX XX/XX/XXXX after submitting a dispute with XXXX, and the woman I spoke to said that she could not give me any information about the debt. I asked several times for her to please give me any information at all, all to no avail. I asked to speak to someone else, and she told me that I could not do that. I asked to speak to the legal department, and she said that they do not take phone calls. I asked if I could make an appointment with them, and she said they would not be available until XX/XX/XXXX. She refused to cooperate with any of my requests for information, and when I continued to politely ask why I was being denied information, she hung up on me. I have sent a written dispute and request for verification of the debt via certified mail with return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-12-11
Company: EQUIFAX, INC.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: U.S. BANCORP
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
invested into fraudulent exchange which was a fake account ended up being a fake XXXX XXXX  commencing around XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection was put on my credit reports erroneously. The company was asked to validate the debt in writing and never responded .Under the FCRA all unverified accounts are to be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called Wells Fargo. I transferred from my savings to checking and it exceeds the day so I get cha. They said that if I have overdraft charges I should see the issue on my mobile app. I have been banking for years and now I keep getting overdraft fees that just have no sense if I'm transferring from same bank to my checking from savings account just making no sense

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 2023-12-28
Company: CITIBANK, N.A.
State: MI
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:
A hard inquiry by XXXX dated XX/XX/22 appears on consumer reports. No disclosures were given for this hard 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 2022-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was contacted by my bank form the XXXX number that is on my credit card/debit card, they stated they were from the Wells Fargo fruad department and I had XXXX dollars bieng taken out my account form XXXX. If I didnt fix it now tomorrow morning it would be to late to get the funds back. They asked me my last 4 of my card and I stated that i wasnt comfortable with that he said the we have the card number just verify it so he read my card number to me, He also had all my bank info so I asked to speak with a manager and hung up. I called the XXXX number waiting for a person and the call came in from the same number so I answered it and I ladie stated she was the manager and gave me her ID # XXXX. She was here to assist me so my money wasn't taken and told me to follow all the steps to retrieve my money. The problem was thru XXXX and we had to go thru a process that she was watching from her office, so I did what she asked and I was scammed! The sad part is that I thought it was real because she called from the banks XXXX same as on my card. I called the bank that night to speak with the lady again and to my surprise No such name or Id number. So I asked the other lady to cancel all transactions but she said it was to late. So I cancelled my debt card and was sent a new one also asked for a fraud specialist, the fraud n # was XXXX / XXXX I received a letter stating that Wasn't getting my money back and they will continue to ask XXXX for my XXXX dollars. So frustrated trust when they called me now I'm out the money. PS I have been with my Bank since 1992 and such a disappointment. 

Respectfully submitted 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