BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
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:
XXXX Experian XXXX XXXX have been dragging this investigation out in regards to XXXX XXXX XXXX XXXX ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXX XXXX  Investigator XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law

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 2022-11-15
Company: R & B Corporation of Virginia
State: VA
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:
This account is to be remove do you its inaccurate information. This account was already removed from XXXX credit reporting agencies due to its lack of correctness! So this agency is still committing illegal activity against a consumer that do not owe a debt to ( CREDIT CONTROL CORPORATION ) Neither do I have a contract with XXXX XXXX XXXX XXXXXXXX this debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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 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 2022-11-15
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
When the initial federal student loan pause was commenced i continued to make voluntary payments until around XXXX of 2021 when I was made aware that i did not have to make the payments and in fact could receive a refund for the voluntary payments i had made since the pause had began. The refund amount was sent for {$1700.00}. My Loan servicer, XXXX company, sent out the refund check and it was lost in the mail. The loan servicer required 90 days to elapse before a new check can be issued. After the 90 day wait time a new check was issued however this check was intercepted and fraudulently cashed.XXXX XX/XX/2021 I cooperated with the loan services providing an affidavit that was notarized indicating that I am willing to press charges to the fullest extent of the law against whomever fraudulently cashed my check as well that i was not involved. This process with XXXX was initiated almost a year ago approximately. I spoke to XXXX XXXX XXXX and his supervisor XXXX and explained my situation. XXXX advised me that i need to contact XXXX company 's bank, Frost bank for additional information. I did reach XXXX XXXX ( relationship XXXX at frost bank ) I again explained the situation and was advised that now XXXX XXXX XXXXXXXX  ( where the funds were fraudulently cashed ) is causing the delay in the fraud investigation. Again it has been over a year with no response from frost bank or XXXX XXXX XXXX I have maintained communication with both frost bank and XXXX company throughout this process via email and telephone calls leaving voicemails and never hearing back. XXXX company contact number XXXX Frost bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont have information for the XXXX XXXX loss preventention department. I am not an account holder with Frost Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: SYNCHRONY FINANCIAL
State: CO
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:
On XX/XX/XXXX there was an Amazon Store Credit Card opened in my name that had made a purchase of {$560.00} to an address that was near me but not my home. On XX/XX/XXXX there was another purchase made with the same card to a different state with the purchase of {$970.00}. 

I had called amazon asking telling them I had no knowledge of these transactions or these cards. They simply returned the money and ask that I call again if there where any issues. Amazon gave me no advice or information on what might happen to the account or card. 

I then received the card in the mail. I then called the number on the back of the card asking if I could close the account or freeze it, as I had no knowledge of how this account was made or how. They simply did the same thing ( refunded the money ) and asked me to call the bank associated with the card. I could no get a hold of the bank because I needed the Account number associated with the card in order to start asking questions about it. 

I then Printed My Credit Report to check if any other cards had been opened under my name and address.

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 2020-12-23
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have contacted WorldRemit repeatedly regarding my transaction number XXXX, for {$150.00} USD/XXXX XXXX dated XX/XX/2020, promised available by XX/XX/2020. It was never received in XXXX XXXX, XXXX, account # XXXX. ( Also my account. I am the sender as well as recipient. ) Your agency insists the funds were received, while it does not show up in XXXX XXXX records ( see attached statements for XXXX and XXXX ) in fact, they insist they do not even receive XXXX Transfers. However XXXX WAS a choice available on your website when I initiated the transfer. ( Although later on it was not. ) My receipt clearly indicates it was sent to XXXX. However, as I have mentioned to your representatives several times, the record of the transaction on your website indicates it was sent to a bank called XXXX. ( See attached screenshot, taken the week of the transfer. ) I believe this may have something to do with the problem causing the funds to have never been received. ( Incidentally, XXXX DOES receive international transfers. ) I have cooperated with XXXX XXXX representatives in every way, supplying proof that these funds were never received, contacting the bank, etc., everything they asked, yet they refuse to refund my funds OR cooperate further. Now, my account has even been disabled, which I feel may be a retaliatory action, and conveniently leaves me unable to get into my account to view the record of this transaction. Fortunately since your representatives had requested all this information, I already have all the information I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I also contacted the furnisher and they approved of deleting the accounts from my file due to the misleading information it caused.I 'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX FINANCE XXXX, XXXX FINANCE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
This request is to have a fraudulent Hard Inquiry removed from my credit report on the three major credit reporting agencies ( XXXX, XXXX, XXXX ) as well as the consumer credit and verification company that processed the Hard Inquiry ( Factual Data ) and then provided that information to at least the credit reporting agencies listed above and possibly others that I am unaware of. 

I was notified by a bank with which I do not currently do business ( XXXXXXXX XXXX  ) on XX/XX/2022 and informed that a new bank account had been opened under my name and SSN. Fortunately the bank employee felt that it was suspicious so they called me to discuss the matter, and then closed the same account due to the believed fraud. They also warned me that the perpetrator had all pertinent personal information including SSN, XXXX XXXX  #, etc. 

Since that contact I have continually been contacted/informed of ongoing additional activity to include multiple mortgage refinance accounts in process at numerous lenders. I have also received credit monitoring information on a hard inquiry under my identity, and in contacting them have since learned that there are additional potential attempts to process applications for bank accounts, credit cards, etc. 

I have since received phone calls and mailings under my name ( XXXX XXXX ) and SSN which indicates my identity and SSN has in fact been breached and is being used fraudulently. 

My wife and I have also now been receiving phone calls and mailings under just her name ( XXXX XXXX ) and SSN to include completed mortgage refinance applications being attempted, also indicating that her identity and SSN has been breached and is being used fraudulently. 

This activity continues to be ongoing still, with the latest being last night when she received a completed thick multiple page mortgage application to be signed, and also a voice mail this morning from an additional different vendor to discuss a mortgage refinance being processed under just her name and our address.

The Hard Inquiry on both of our credit reports occurred on XX/XX/2022 by Factual Data credit reporting agency. I contacted them on XXXX to dispute the inquiry and have them remove the inquiry from all three of the major credit reporting agencies. They indicated that they would start the review process to do so, at which time that also told me that I should contact the CFPB and start the process here as well. 

I have started a crime incident report with local law enforcement ( XXXX XXXX XXXX Colorado ) and was told that the process may take some time as well. They did provide me with a Fraud/Identity Theft Incident Report tracking number which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransWorld Debt Collecter. I spoke with them found out the debt was from XXXX XXXX, I physically went to my local XXXX XXXX asked about the bill for date given to Trans World XX/XX/2018. XXXX informed me I had NO service done on that date.And if I had XXXX would have paid it with my maximum owed of {$16.00}. I then called XXXX who informed me I had NO bills submitted in or around that date and the sum of {$570.00} is very high for ANY lab test done on me and my maximum bill would only be {$16.00}. 
I informed TransWorld of this and the 3 reporting Bureaus of this, but they still REDUCED my score 57 points and let stand TransWorlds claim without a physical bill from XXXX the original biller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a 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 2023-01-25
Company: Experian Information Solutions 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:
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 explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to 15 USC 1681 accounts shall report accurately and the attach documents prove these accounts with the account numbers should be removed immediately from all three credit bureaus. These accounts are hindering me and my family from moving forward in life.

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 2021-11-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called my Wells Fargo XXXX SUPPORT FOR AN UNAUTHORIZED TRANSACTION on my card, but instead of fixing the issue, they caused a much bigger problem They blocked my card. even though i rold them not to, cause i am on business trip far away from home And i dont carry cash with me, and i use my card for evry day needs from food hotel fuel also have many atoupayment setup on this card, now trying to buy some cryptos on card but was declined because it is blocked also i cant get hotel food or anything. Basically i am dead broke for the next XXXX to 10 days until the next card will be mailed home But i am no where near home for the next XXXX. Even though i explained my situation to the XXXX, they dont care if i starve to death or sleep or conduct my every day business. I already missed a good investment opportunities on crypto coins also will be spending many nights out like a homeless with no way to buy food, and many upcoming payments wil also XXXX missed and all that good stuff that comes after!!! 
I explained all this to MY WELLS FARGO BANK XXXX XXXX I SPOKE WITH. NOW I AM LEFT NO CHOICE BUT TO ASK FOR CHARITY FROM OTHERS, EVEN THOUGH I HAVE THOUSANDS OF DOLLARS ON MY ACCOUNT BUT CANT ACCESS OR USE IT, ITS A SHAME ON A BANK TO TREAT THEIR CUSTOMERS THIS WAY AND CAUSING MUCH WORST SITUATIONS. INSTEAD OF FIXING A SIMPLE XXXX NOW I AM FILLING THIS COMPLAIN FOR ALL THIS MISFORTUNE I'M XXXX FORCED TO ENDURE FOR THE NEXT 10 DAYS AWAY FROM MY COMFORT ZONE. 
AND I HELD THIS INSTITUTION RESPONSIBLE FOR XXXX THING THAS HAPPENING TO ME NOW AND ALL REPRICAUTIONS THAT WILL OCCUR IN THE FUTURE. CAUSED BY BLOCKING MY DEBIT CARD.

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 2020-09-18
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Because I am XXXX the company is not accepting normal proof of identity and address and is keeping me under additional scrutiny. I am a us born citizen regardless of my race and name. I provided my lease, utility bill, phone and cable bill, bank statement, ss card and a valid state id. The barraged me with emails to have my federal benefits direct deposit ( which again confirms id and address ) and the would not activate the card they sent so i can access my own money/federal benefits claiming the harassment is the fault of the government because of XX/XX/11. If they were not being XXXX towards XXXX applicants and customers this would not be an issue. i am XXXX and have XXXX kids, our benefits are necessary to survive and pay for life sustaining medications. i need help to stop this harassment, discrimination and ensure access to our federal funds.

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 2023-06-15
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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