BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX representing both XXXX and XXXX XXXX is reporting on both experian and XXXX that I am currently late every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently late for any payments because the accounts are closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. They are being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting these accounts incorrectly despite several dispute requests.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from 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 explanation
Consumer complaint received 2022-11-16
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX 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 2023-03-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX BANK XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : CXXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 2020-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Wells Fargo, Dear Consumer Finance Protection Bureau, Dear All, My bank is closing my account .... 

I made a mistake by receiving my friends tax refunds to my account. I am from XXXX and so are my friends. They all have US bank accounts but they blocked their cards since they are out of US. 
My mistake was to provide my account details for them so that put account and routing numbers on their tax refund. I do apologize for my actions. 
Meantime, this was not fraud. All tax deposits received were transferred to persons or provided in cash ( I am also currently in XXXX ). You can check history of XXXX  transfers, I can provide statements of XXXX transfers with the name of people whose tax refunds were deposited. Again, part of deposit were transferred via XXXX, you can check history .Other part were withdrawn through ATM and gave in cash ( you can also check non Wells Fargo atm withdrawals in transaction history ). 
I was trying to do favor for them and I am being punished for that. I can not blame my friends, I can not blame my bank. It is only about myself, only my fault. 
As I am outside of USA, I did not receive a letter from my bank about account closure. I found this out only when I was trying to move funds ( my part of income from freelancing ) to my bank on XX/XX/XXXX. It was turned bank. I immediately called and asked the reason. The specialists were unable to provide a reason but said account will closed on XXXX XXXX today is XXXX. Meantime I have looked through my actions, my faults which led my bank to discontinue business relationship with me. It is not my bank being unprofessional to me, instead I was being unprofessional to my bank, placing him into vulnerable situation. 
Another concern is that I should be having my payment transferred to my bank at the end XXXXbeginning XXXX. I am in desperate position, since I can not change account, it was already sent out along with task. It takes months of requests to direct it to another account. And this is happening during this hardship, the most serious financial tension, Covid-19, when people left without jobs, without source of income and I am making this stupid thing to loose my bank and loose this payment on time, which is vital for my family. As I breadwinner, I will be betraying my family, again, only because of my stupidity. 

I love my bank, I wish to keep my bank. 
I ask my bank to give me a chance to mend myself and show. I ask Consumer Finance to reach my bank to 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 2023-02-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I visited CHASE BANK and was discriminated against by an NMLS agent # XXXX XXXX XXXX. She prejudged me in violation if title 18 subsection 242, 1985 and judged me based on my skin color, and voice deflection. I was immediately removed from the building without explanation other than her objection to the sound of my voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: LEXISNEXIS
State: MI
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:
Late last year I noticed some incorrect information on my credit report. I took the time to contact the Credit reporting agencies to correct all misinformation but to no avail did that happen. I was notified to contact the company of Lexis Nexis to correct any and all instances of misinformed data that they were providing. I contacted Lexis Nexis approximately 3 times to rectify the situation and not once did they do all that was instructed of them. Their " investigation '' was not correct. I asked them to remove all names, addresses, phone numbers, and emails not associated to me. On my second request I received a report dated XX/XX/2023 in which my report went from 96 incorrect names and addresses that was on their XX/XX/2023 report to 20 incorrect names and addresses. They still had not removed all of the wrong information. I then sent them a dispute stated that my information was still incorrect. I received a report dated XX/XX/2023, and it shows they added 25 incorrect names and addresses. I'm reaching out today to ask the CFPB to uphold my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 ( A ) 2 : ... states a consumer reporting agency can not furnish an account without my written instructions.

I have repeatedly asked that this information be updated but in no way shape or form has anything happened the way I asked. I also have opted out of all the secondary credit furnishing companies including Lexis Nexis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification about an XXXX & XXXX bill on my credit report that I did not open. I reached out to XXXX about removing the negative report because of fraud and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: FORD MOTOR CREDIT CO.
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:
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, IM HAVING A PROBLEM WITH FORD MOTOR CREDIT, BACK IN 2018 THE LOAN I HAD WITH THEM WAS PAYED OFF WITH XXXX XXXX XXXX XXXX, FORD SAID I OWE THEM XXXX AND THEY PUT THAT ON MY CREDIT REPORTS, XXXX, XXXX, AND XXXX. I CALLED THE XXXX XXXX AND THEY SAID IT WAS PAYED OFF TOO THE COMPLETLY. IM VERY UPSET ABOUT THIS, THIS HAS REALLY MESSED UP MY CREDIT. I WOULD LIKE THE TO BE REMOVED FROM MY CREDIT FILES RIGHT AWAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion is furnishing unauthorize accounts on my credit report without my written consent or my knowledge

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 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There was a fraudulent charge placed on my credit card in XXXX XXXX XXXX. I contacted Bank of America to report the fraud. The charge was not removed until XXXX XXXX XXXXXXXX and my account was reported to the credit bureau as late for XXXX through XX/XX/XXXX. This is incorrect as there were no other charges on the account, only the fraudulent charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IN
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2022-11-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was notified by XXXX XXXX XXXX XXXX that I was required to take my required minimum distribution on my IRA. I sent the RMD forms in ( see attached ) letter and required forms. XXXX XXXX informed me that the money was sent EFT to Truist Bank. After waiting the required time line of 3 days the money had not shown up in my account. I contacted Truist Bank and they informed me that they had not received the funds from XXXX XXXX XXXX stated to me and to Truist the money had been sent.After numerous calls to Truist this matter has not been resolved. Truist is standing by that they never received the money. It is though Truist is making know effort to tract this transaction. Please review and advise. 

Respectfully, XXXX XXXX @ XXXX email 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 2023-05-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I used XXXX XXXX to send money transfer from my XXXX XXXX  ( XXXX  ) account to my USD bank account with BMO Harris. The money was paid on the XXXX and I was expected to receive it on XXXX XXXX. This is not the first time Ive done this- Ive done these transfers multiple times with no issues! I called XXXX XXXX and the money was delivered promptly. I then called my bank multiple times and they said multiple times they couldnt track my deposit of XXXX $ XXXX however when I finally provided a reference number to the supervisor they say that they are holding my money due to OFAC- however this is not the first transfer I make- and I am sending the money to myself so why would I get a hit. They dont respond my emails and they are not able to give me a timeline on when I get my funds released- I was doing my transfer to pay for school, and I dont know why my bank is not releasing the funds- they havent asked me to confirm any details. I already submitted a license application with OFAC but I know my bank can push through and expedite this 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 monetary relief
Consumer complaint received 2023-05-30
Company: Albert Corporation
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been contacting Albert since XXXX XXXX declined my transfer and my money still hasnt been added back into my account. Every time I reach out to Albert its always a different story about where my money is. I sent over the document that they asked showing that XXXX XXXX said they never charged the card because the transfer was voided out and the money was returned to the card ending in XXXX which is my Albert card but Albert keep saying its not there. Date was XXXX at XXXX amount is XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed a credit card account with Barclays in XX/XX/XXXX and paid off all amounts owed. In XX/XX/XXXX, I received a bill for a new charge on the closed account. I have called to dispute it multiple times. They keep pushing me to their fraud department and there has been no resolution in spite of my monthly calls. To make it worse, they are trying to collect late charges and interest from me ( which keep growing ), on a closed account, for a charge that I did n't initiate. I have spent hours on the phone with them.

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