BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a loan from Wells Fargo in 2011 with prepaid gap coverage and wasnt given any money back once the loan was paid off early, I also had a checking and saving account with them during that time and should be entitled to refunds due to fraudulent over draft fees.

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 2020-12-20
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the beginning of XX/XX/2020 I tried to pay off a credit debt to PayPal but instead I transferred the money to someone I didn't know. I called PayPal since the transfer hadn't processed yet. So they said they couldn't stop the transfer but I could call the bank to do a stop payment and they would be able to handle it as an internal affair. So I did, I paid off the credit debt owed to PayPal. But now my account was XXXX $ so I called and it was a different person they said I had to at least contact the person who I sent the transfer to before they could do anything ; and they could only give me an email to contact them. I emailed them and the the email itself did not exist. I call a third time and now they said that its not in their policy and that if they didn't give the money back I would owe the XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: LEXISNEXIS
State: TX
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a collection call regarding a credit card that I have never received, or ever requested. 

In order to respond to my questions, they requested personal information. Since I had not initiated the phone call, I refused to provide personal information. They therefore refused to provide any information about what the call or balance was for. They were requesting a partial payment of {$50.00}. 

The company then sent me a text message that provided a link to again request my personal information. This appeared to very suspicious - I have always been told never to provide passwords or personal information to a request by text. 

I then received a statement in the mail - the account is stated to be with a COMENITY Bank for a BJ 's card. There is a stated balance of {$120.00} which includes late fees of {$69.00} and interest of {$2.00}. By subtracting these amounts from the balance, there appears to be an underlying charge of {$50.00}. 

The statement suggests that I have a {$750.00} credit limit. 

I never requested a BJ 's card, and have never heard of COMENITY Bank. I also have never received a physical card for the account. I am still not convinced whether the statement is in fact valid.The statement does not provide a full identification of the credit card number, and since I never received or requested a card - I do not know what my account number is with COMENITY Bank. If I seek resolution with that Bank, they require the release of personal information before addressing any questions or resolution. Since I am suspicious that the entire arrangement is a fraudulent, I will not release that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20
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: Investigation took more than 30 days

Complaint:
I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus XXXX, experian, XXXX credit report And XXXX sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail

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 2023-01-21
Company: Experian Information Solutions Inc.
State: AZ
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:
The follow information should, but does not, accurately paint a truthful picture and such consumer reporting fails to meet the " Maximum possible accuracy '' standard. My understanding is that I have the right to a fair and ACCURATE report, based on this understanding, the following data is reporting inaccurately and needs to be removed immediately. 

Address - XXXX XXXX XXXX XXXX XXXX AZ, XXXX Experian Accounts - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiries - XXXX Credit / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i mailed letters on XX/XX/2020 to equifax XXXX and XXXX  about some errors and its been over 75 days and i havent heard nothing i even sent another letter not hearing back from them in order to get a response and that letter has been over 30 days since they received it back i sent certified mail and have the delivery receipts to prove that they received my letters this has to be some sort of violation with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Earm LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me every other day at least. I don't know what the loan is or how much it is. They keep calling for my husband after I gave them his number. I gave my husband their information.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-17
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: Information belongs to someone else

Complaint:
i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this 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 explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: FL
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:
Experian Information Solutions XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason.

It has come to my attention that Experian has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that Experian will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 


I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification.

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 2021-03-17
Company: UNITED BANKSHARES, INC.
State: VA
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:
Multiple fraudulent charges appeared on my account and the bank fail to correct the problem.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: In progress
Consumer complaint received 2020-01-14
Company: CW Financial
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/18 i contacted XXXX XXXX at crest wood XXXX   apartments regarding forfeit my lease due to an family emergency which resulted into me having to move back to XXXX. I was given a pay off balance of XXXX to forfeit my lease. I was given a payment plan which i also gave a date when i was moving out. On XX/XX/2018 i contacted XXXX XXXX via phone stating i had already moved out and i had sent my payment via money order with the keys by mail. I also contacted XXXX XXXX asking for a copy of my pay off plus a copy of my forfeit agreement however leaving numerous of voicemails XXXX nor XXXX never called back. We communicated a lil thru email, where XXXX stayed she had received my money order of XXXX. She never contacted me back after. So i felt everything was done and paid off until i was placed in collections stating they never received anything from me and i have every money order & email that was sent between the three of us. Ive tried contacting XXXX XXXX myself to resolve the issue and no one called me back or anything. Ive been trying to get this removed from my credit for a year now Ive paid them and gave the keys back to the unit. By me not being an XXXX  native i feel like they mistreated and placed it on my credit to keep me from moving back home to XXXX. Ive been homeless since behind XXXX and XXXX unprofessional behavior with me.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have only had two credit cards with XXXX XXXXXXXX and they are currently in good standing. Ive never had any other XXXX XXXXXXXX credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The card was closed abruptly and I was not allowed to communicate with them. Nor have I received a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: CT
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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: 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:
On XX/XX/27 someone logged into my cashapp account on a new device. I got the e-mail and instantly clicked that it wasn't me. A {$3600.00} payment went through that I did not authorize and tried to stop. XXXX wouldn't help me, I did a claim with Wells Fargo and it took over 3 months for them to finally say they declined the claim. I didn't approve this and this is a large sum of money I am owed. I provided them proof and they still ignored me and sided with XXXX. Wells Fargo and cashapp have been very rude and not helpful at all. Please help me. I've had Wells Fargo for 14 years now and they're the biggest mistake I've made, I will be switching accounts after this is resolved.

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 2023-12-04
Company: EQUIFAX, INC.
State: TN
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:
I do not recognize these credit inquiries, and I have asked for them to be removed, and the Bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Bank of Baroda - New York Branch
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I HAD A BANK OF BARODA CREDIT CARD. I APPLIED TO CLOSE THE CREDIT CARD IN XX/XX/XXXX AS THEY WERE CHARGING ANNUAL MEMBERSHIP FEES OF XXXX WHICH THEY DID NOT MENTION WHILE ISSUING ME THE CARD. I PAID THE MEMBERSHIP FEES IN XX/XX/XXXX AND APPLIED FOR THE CLOSURE OF THE CARD. 

I RECEIVED AN EMAIL MENTIONING THAT THE CLOSURE OF MY CARD HAS BEEN APPROVED. 

SUDDENLY IN XX/XX/XXXX THEY AGAIN SENT ME A STATEMENT CLAIMING FOR THE MEMBERSHIP FEES. WHEN I PRODUCED THEM ALL THEY DOCUMENTS, THEY ARE CLAIMING THAT I HAVE TO PAY THE MEMBERSHIP FEES AND THEN ONLY MY CARD WILL BE CLOSED. 

THESE GUYS ARE COMPLETE FRAUD. THEY ARE DIRECTLY THREATENING ME. I WANT STRICT ACTIONS AGAINST THEM AND ALSO COMPENSATION FROM BANK OF BARODA FOR CONTINUOSLY THREATENING ME.

Company response to consumer: Closed with explanation