BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Consumer Counseling Centers LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am in the DO NOT CALL LIST. 
The company CONSUMER COUNSELORS is calling me at least 10 times a day. 
It is a recorded message. 
I don't need and I don't want this service. 
I had waited until a human takes the phone and explained several times that I don ; t want their services. I also informed that I am in the do not call list and that I am going to report them. 

Also, I receive daily calls from XXXX XXXX, telephone XXXX XXXX XXXX. 

I want to STOP RECEIVING CALLS FROM these 2 companies, please. 

I want to report those 2 numbers. 

Thank you, 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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have reviwed a current copy of my credit report and show inaccurate on incompleted information listed to my credit report. I sent a request for investgation to Transunion with to an alleged public record listed of bankruptcy. I recieved incompleted on unverified information back from transunion states that alleged public record verfied per data funisher. I understand that per the law of FCRA under permissable purpose. That I have not given any funisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investagtaion to the matter and request lawful reply.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NY
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 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 2023-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Wells Fargo credit card shows an outstanding balance that is more than the running balance kept in my account. There is an amount for which there is no record : {$24.00} is the amount not showing. It is included in my outstanding balance, but is not a carry over from the previous month, nor a charge showing in my transactions. It is an amount included in my charges, but there is NO record for it. I spoke with the rep. on the phone, she tallied all of my charges and came up with the outstanding balance, but could not answer where the extra XXXX was coming from, since it does not show in my running balance or in my transactions. There is something wrong here. I have informed them I will not use my card again until this discrepancy is resolved, and she offered to transfer me to her superior. After a long time I was told I would have to wait since that superior was unavailable. I hung up. 
My account shows all transactions, and this {$24.00} is no where to be found. It is not a pending transactions nor in posted transactions. It is an amount that does not exist in my charges. I am being charged for an amount that Wells Fargo can not account for. Please investigate. I asked the bank to do so, and was stonewalled.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report 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 2022-02-17
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Experian has verified this debt as accurate when they are the only bureau reporting this debt the other two bureaus did not have the proof from a proper investogation to validate this debt and therefore needs to be deleted the accout off my credit report. which is a fcra violation of inaacurate information and unverified debts.

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 2022-03-28
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I was approved for payment protection protection due to my lost wages from covid 19 and 1 month after payment was was delivered to my account account was mysteriously closed without informing me account has been closed unjustly and illegally creating a negative remarks on credit report I paid Monthly fees to be able To use this option of needed toaccount for this company and has been what does it cost me for over aover here no resolution has been made company not performed due diligence and I am forced to reach out to the bureaus for help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: UT
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 wereincorrect. 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. 
SEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
Company: Experian Information Solutions 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:
On XX/XX/ I was checking my credit report and I noticed XXXX Account XXXX XXXX. This Account does not belong to me so please delete it.

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 2020-03-20
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
This is the second time I report the same problem as I had no answer from the bank. 
I like to transfer US dollars from my account in Bank of America in XXXX  to my account ( in US dollars ) in XXXX Bank XXXX XXXXXXXX. I like to do the transfer in US dollars, The bank don't allowed me to do it, only in Euros and the rate of change they offer me is much higher that the one I get here in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had an account with Regions Bank and the bank charged overdraft fees on the account. The charge off date was XX/XX/XXXX and the balance was - {$210.00}. The balance on XX/XX/XXXX was - {$470.00}. I don't have any records of how the bank arrived at the current balance. I made a payment of XXXX on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. After requesting copies of the final bank statements, I realized that I was basically paying bank fees and decided that I would no longer pay on the account until I received proof the debt was owed. On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX offering a reduced balance opportunity to pay the balance off at 35 % in the amount of {$120.00} within 60 days.

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 2019-06-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I co-signed, with my then husband, an unsecured line of credit in XXXX with what is now JP Morgan Chase Bank. Not once during the past 20 years did that bank or any subsidiary ask for for any credit information or updated financial statements from either my ex-husband or me. 

They NEVER verified that entire 20-year time period whether my ex was solvent - no request for tax returns, financial statements, proof of income - NOTHING. 

I kept current with my own personal line of credit and paid it off in XXXX. Despite a certified divorce decree specifically ordering that my ex pay off his own line of credit, the bank went after me for the full amount of {$77000.00}. I reluctantly settled and paid them {$38000.00}. 

Had this bank followed federal regulations and demanded credit info over the past 20 years, they would have learned a lot sooner that my ex was insolvent. They waited until he died to go after me for his past due amount. They should have NEVER kept extending his unsecured line of credit note for 20 years without financial updates!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/23 I noticed a large sum of money being withdrawn from my bank account to my PayPal account ( I never find this, I just make small purchases from sellers that debits my bank ). I decided to look back and going as far back as XX/XX/23 there were multiple smaller withdraws with a grand total of {$6600.00}. I contacted PayPal the same day I was made aware for dispute as well as my bank. I canceled my debit card and my bank did determine there was fraud but PayPal argued against that claim and the money reversed by my bank to me, PayPal is holding me liable and my account is in the negative ( - {$3300.00} ). The primary email was changed on my account so I was not receiving notifications of account activity, and XXXX new funding sources were added without my knowledge or approval and do not belong to me. 

I requested from PayPals claim dispute dept on XX/XX/23 and again XX/XX/23 for the results of their investigation where they found that I had authorized any transactions and have yet to receive a response. Customer service says that there was not an email added however I have screenshot proof of another agent acknowledging there was, and that it did not belong to me. PayPal is refusing to acknowledge any dispute because it is outside of a 90 day window and they determined there was nothing looking suspicious in my activity. I told them That I reported the activity the same day I found out ( see Regulation E, Electronic Funds Transfer Act Sec. 1005.6 ) but was told everything was authorized because it is my account. I was also notified that I was affected in PayPals recent data breach where this was likely the root of the problem and ultimately responsible. 

I sent a demand letter as well on XX/XX/23 to settle this but they refused to acknowledge this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THIS IS AN UNVERIFIED, FRAUDULENT ACCOUNT. TRANSUNION IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS UNDER THE FCRA. FURTHERMORE, TRANSUNION IS VIOLATING DOLA PRACTICES by UPDATING THE " CO '' MONTHLY ON MY REPORT. PLEASE REVIEW ATTACHED DOCUMENTATION AND IMMEDIATELY DELETE FROM MY CREDIT FILE. 

I WOULD ALSO LIKE INFORMATION ABOUT MY LEGAL RIGHTS AND ACTIONS THAT I CAN TAKE AGAINST TRANSUNION FOR SUCH PRACTICES.

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 2023-04-24
Company: Velocity Portfolio Group
State: OR
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:
According to my loan documents my loan amount was for {$310.00} and I was debited out of my account for over {$1800.00}. 
Email sent to XXXX on XX/XX/. 
I also can not access the online portal anymore.

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 2023-02-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. This is my follow-up filing of complaint alongside my previous complaint dated XX/XX/XXXX. There are items that are fraudulent in my file and must be removed Immediately. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX Balance Owed : {$120.00} XXXX OF XXXX XXXX XXXX Owed : {$160.00} XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions 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:
Received a copy of my credit report XX/XX/XXXX, I noticed some unauthorized inquires my report, XXXX  credit XX/XX/XXXX XXXX verify 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 2020-12-18
Company: Nicholas Financial 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: Account information incorrect

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY NICHOLAS FINANCIAL INC # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have send a letter to update my personal information and have not seen any changes on my reports.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: AR
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 filing this complaint because of certain false accounts I discovered on my credit report. Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.

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