BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We have just been scammed out of {$23000.00}. It was an extremely complex Phishing scam. I am a XXXX XXXX  with over 40 years dealing with PCs / Computers and a XXXX XXXX. The timing of the philshing email and the topic of the email was proper. The name and logos were exact. Everything seemed proper. Once we realized it was a scam, It seemed to me to be too coincidental for a blind phishing email. I started digging. 

On XXXX XXXX, I finally figured out how it was done. XXXX XXXX has a FEATURE that I did not even realize was present. It is an autoforward feature. 

Somehow, ( still trying to it figure out how this was done ) someone, without our knowledge, put an email address in that field. The result was that all emails sent out of my wifes email account were automatically copied to that email address. We had absolutely no idea that this was happening. It is a really big security exposure if you somehow got your email hacked and did not know that someone added that email address to the autoforward field. The name that somehow was put into the XXXX field was XXXX. We have no ideal how it got there or how long it has been monitoring our outgoing emails. 

What happened to us is that our travel agent sent us a notice that our final payment for an upcoming trip was due. We responded back to our agent asking what we needed to pay the agency. They replied ( these were all valid emails ). We got a email day or so later asking use to hold of on the payment and asking for us to acknowledge the receipt of the email. ( This was the first Phishing email ). We then receive an email telling us that there was a change in the payment method and we should use a wire transfer. ( Phlishing Email again ). Wire transfers were unusual but we though it was a reasonable request from our trusted travel agency. All emails logos, names, and the timing seemed proper. so we fell for it. 

I have filed a police report with the XXXX XXXX Police department initially before I found the XXXX email. I informed them today of the autoforward feature Also filed an FBI report since it was a major amount of money ( not just a few hundred dollars or even a few thousand dollars ). 

The wire transfer was made from our bank " XXXX XXXX '' of XXXX, MN. It was transferred to Capital One. Our bank told us they contacted Capital Oneand we were told that there was nothing they could do since was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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 information incorrect

Complaint:
On XX/XX/XXXX I disputed inaccurate and incomplete information regarding XXXX XXXX XXXX XXXX XXXXXXXX with XXXX, noting that multiple paid months say No Data '' as well as inconsistent information being reported regarding the date of last payment and alleged delinquency. See attached dispute letter, credit report, and bank statements for XX/XX/XXXX, and XX/XX/XXXX, which are months where payments have not been reported to XXXX. 

I also disputed incomplete information regarding my SchoolsFirst FCU XXXX loan account with XXXX, because there are 11 months on the XXXX report that are inaccurate and incomplete regarding my Auto Loan payment history. See attached dispute letter, credit report, and bank statements for the incomplete months. 

After disputing with these credit reporting agencies, SchoolsFirst claims on correspondence dated XX/XX/XXXX that the information is accurate and there is nothing to update. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Convergent outsourcing just showed up on my consumer report. The reporting states the account was open XX/XX/XXXX. My consumer file with XXXX XXXX XXXX XXXX and XXXX have been frozen locked and there's an idenity theft alert on my file as well informing all propensity creditors that they need to call me and verify my idenity before opening a credit file. THIS DID NOT HAPPEN. I DIDN'T RECEIVE A BILL NOR A LETTER LETTING MY KNOW 5 DAYS ON ADVANCE OF THE ADVERSE ACTION THAT WAS GOING TO BE TAKEN AGAINST ME. There have also been addresses showing up on my consumer report at places I've never lived or have any association with. The bill is for XXXX. Account number XXXX Not only that. They've reported 2 different days of last activity with the consumer reporting agencies. One states XX/XX/XXXX and one states XX/XX/XXXX as the last date of activity. If like this negative information suppressed from my consumer file until after the investigation. My request will be in the photos below

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 2023-02-13
Company: Experian Information Solutions Inc.
State: MD
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXXXXX SYXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
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 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 explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
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 concerning my credit report with Experian. On XX/XX/XXXX, I contacted Experian to address inaccuracies in my credit report. Despite my initial contact, I have not received a response to date. The following accounts are inaccurately reported, and I request their prompt removal : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Please remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Please remove it from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Please remove it from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove it from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10.00} Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Please remove it from my credit report.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-05-15
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:
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 reporting 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 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 2023-02-13
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:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2020 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a 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 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 explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 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. My information was also impacted by the 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 explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: CO
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:
I have sent a letter to Experian to correct an obvious error they have placed on several accounts on my credit bureau. This is not a complaint so they can go verify it with the original creditor/furnisher, it is clearly an error on EXPERIAN 'S reporting. My initial letter with all supporting documentation was sent to them XXXX of 2022. I have not received a response nor are the errors corrected. 

I find this to be a huge problem if Experian is the only one of all three bureaus showing this on all of the below listed accounts. Ive included a copy of my credit bureau for each account. 

There are a total of 8 accounts. Please as I stated before, this is not a request to have experian verify it with the creditor, it is a CLEAR error on experians reporting, all these accounts are in a good satisfactory payment standing, but they continue to place incorrect remarks in the payment status. 

If these payment status remarks are not removed immediately I will use all legal resources provided to 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I currently have an arbitration case against Wells Fargo Bank because a Wells Fargo Representative called me stupid over the phone because I asked a lot of questions in XXXX of XXXX. I asked why she called me stupid, and she told me that I was not understanding her. I asked to speak to her manager. I told him all about her calling me stupid. I have been communicating with some of the lawyers who represent Wells Fargo, but they are shady and can not be trusted. I sent them a letter that I received from who I believe is the individual I spoke to concerning the Representative calling me stupid, and they concoct a bogus audio to try and prove that the letter was in regards to a loan. I have a copy of the fixed audio and the letter. In the audio the made me say that I have taken out loans with Wells Fargo in the past and paid them off. Wells Fargo has never given me a loan, and I would never lie to loan officer to disqualify me for a loan. I would like to forward the audio and the letter, but I need an email address. I know you all have the capabilities to detect when audios have been altered. 

On another occasion, a Wells Fargo Representative took money from my account without my authorization. The Wells Fargo Attorneys did not give me enough of my account information to fight my case. They only gave me what would not help 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 2021-10-15
Company: WELLS FARGO & COMPANY
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: Information is missing that should be on the report

Complaint:
On the XXXX of XX/XX/2021. I sent a certified mail dispute letter to WELLS FARGO, disputing the inaccuracies on the account, specifically the account number, which is in direct violation of FCRA 609. The certified letter was signed for on the on the XXXX day of XX/XX/2021. I waited 30 days hoping the company will correct the error. I sent a second round of certified dispute letter via mail on the XXXX of XX/XX/2021. Also, nothing happened, and on the XXXX day of XXXX, I wrote my 3rd and final dispute letter, which also fell on deaf ears. I then approached the legal route, to help mediate in the matter. WELLS FARGO did not show up at the hearing, nor sent a representative. A default judgement was awarded on the XXXX of XX/XX/2021, which was not appealed by the defendant ( WELLS FARGO ). I retrieved a certified true copy of the judgement, and I have come to lodge a complaint, so your department can help me enforce the judgement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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