BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dating back to XXXX my personal information was used to obtain a payday loan and siphon by bank account at the time. When noticing significant money leaving my bank account after talking with a representative at my financial institution month after month to resolve, I was instructed to close the bank account and to open a different account so this doesn't happen again. From XX/XX/XXXX - To now ( XX/XX/XXXX ) I have been called by debt collectors on my work cellphone from a new company each month claiming that I owe them money for a Payday loan that is physically unobtainable in the state I live in. It got to the point where these companies started to call my family members for this fraudulent debt. After saying this is Identity Theft from my info that's available on the dark web & people finding sites the company leaves me alone and gives it to another company since their stories & reasons for collecting change every time. This time I received a notification on my credit report that I have a collections account from Consumer Adjustment CO. I look at the details and its because of the XXXX fraud. My identity is still compromised because of this fraud years ago. I put freezes on my credit reports and social number then contacted XXXXonsumer Adjustment CO. After talking to the representative, the information they were asking me about was the information available online used in the fraud. They were trying to put words in my mouth to make it seem like it was me, but they could not tell me my current address or the actual date of when this identity theft took place and tried to get me to say more information about me. 

Even when you think that you have taken care of identity theft, they keep coming back. The dark web is a dangerous place and I have been a victim of my information on there for a long time, the most recent is my social security number and email in attempt to make a XXXX XXXX XXXXXXXX account on XX/XX/XXXX and XX/XX/XXXX of this year where they knew my full social. I pray that nobody else has to go through identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a couple checks as payment for a job. Before I accept the payment i called the banks owner of the check and verified that the payment was legitimate. I also asked the customer to see there ID. 1 out of the three cleared, and now Wells Fargo is faulsly accusing me of giving a fake check.

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 2023-12-02
Company: UMB FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This issue is in regards to UMB Health Savings Accounts and the associated Investment account tied to this account. My intention was to transfer the funds from my UMB Health Savings Account to a XXXX XXXX. 
( XXXX ) XX/XX/2023 - {$6600.00} was transferred from the UMB Investment account to the UMB Health Savings Account. The Total balance was {$7600.00} ( {$1000.00} was the existing balance ) ( 2 ) XX/XX/2023 - The Account transfer to XXXX took place, but UMB transferred only {$970.00} to my XXXX account and not the full balance. UMB transferred back {$6600.00} back to my investment account and then proceeded to CLOSE my Health Savings Account. Additionally, it's not quite clear why {$6600.00} was not transferred back and how I lost {$63.00} during this process. 
( XXXX ) XX/XX/2023 - I initiated a transfer back to my Health Savings Account of current investment account value of {$6600.00} thinking it would be OK to do so. Instead it rejected this transfer and the funds never returned to my Investment account. 
( XXXX ) XX/XX/2023 - I called UMB, but they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX 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 non-monetary relief
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: MS
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:
Last week I submitted a letter detailing two XXXX accounts that I do NOT have, identity theft report, a notorized affadavit of truth, my legible ID, Proof of Address, and a copy of FCRA 605B ( a ) requesting that these accounts be blocked per federal consumer law. I recieved an automated generic template response stating that my request was denied due to either material misrespresentation or request submitted in error. This is a known delay and deter tactic that Experian has used many times with consumers to avoid removing erronoeous information on credit files for their own monetary gain. I specifually stated in the letter and the affadavit that this request was NOT made in error and that this request was NOT made as a result of material misrepresentation. I stated this because I KNEW experian uses these automated generic responses to make it almost impossible to consumers to remove inaccurate information from thier credit file. 

I called Experian which makes it almost impossible to reach a live person, and finally reached XXXX in the Special Services Department. XXXX would not state her employee number nor would she reveal what office location she was working in which was very shady. She explained that the request was denied because they verified the info in their system was correct. How can that be properly done in less than 24 hours? When asked what method of verification was used, XXXX stated in an irritated and condecending tone that she could not disclose what type of investigation was used. I then told her that I followed FCRA 605B ( a ) when i met the requirements for this request and that by federal law they must follow the FCRA and not their own random made up procedures. I requested the information they had on file or used in the investigation and was told that I couldnt recieve that information. Experian does NOT follow consumer laws! This is unethical and should be investigated. There have been numerous lawsuits regarding this very issue. Research Osada V. Experian Osada v. Experian Info. Solutions, Inc., Case No. 11 C 2856 ( N.D. Ill. Dec. 20, 2012 ) and many other cases where Experian has pulled this stunt. Per FCRA these items SHOULD have been blocked within 4 days of reciept of my request with all the proper requirments met Per FCRA 605B ( a ). They refuse to follow consumer law and refuse to provide the consumer with any relevant information pertaining to the consumers files. Which means that if there is inccorrect information in their files, then they would continue to report in accurate information after being notified by the consumer that such info was in accurate.

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 2023-12-02
Company: Block, Inc.
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:
I want to reopen my case which was XXXX XXXX first of all I was never given an opportunity to answer back before they closed my case. I have more than enough proof to show that Im still missing {$100.00}. When I opened up the dispute it was {$230.00}. Yes they did pay me back the XXXX. But XXXX still missing XXXX charges that I will show you in my account that they went ahead and paid those fraud people. that is a total of {$100.00} that is still owed to me. That equals all together {$230.00}. I have no need to lie or be accused of lying. I only want what is mines and what is mines. I work too hard for my money and I will be damned if somebody will take my money from me. They are lying and if I have to go to court, I will go to court and file a lawsuit. I have already spoken to an attorney and they think I have a very good case. XXXX not threatening, but XXXX just saying what I need to say. XXXX XXXX XXXX XXXX. I dont need this kind of harassment and hassle in my life, I will show you the attachments exactly what they owe me. Who are they to choose and pick what they owe me. On XX/XX/XXXX I opened up my dispute with all those charges that equal {$230.00}. They just chose to pay me just {$120.00}. They still owe me the {$100.00} that I will show you that they paid that fraud company or whoever those people were be nice is somebody will give me the opportunity before they close my case. If they would take the time to go into my account, they will see exactly what XXXX talking XXXX have copies of it all. I would appreciate next time if I can have the opportunity of explaining myself before my case is closed. Not always do the company have the correct answer as you can see thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: IL
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:
I mailed a certified letter to Experian credit bureau to remove 5 inquiries from my report and it is now over 30 days and have not had any response to my request.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2022-07-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-04-20
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a US Bank account around 2 and a half years ago. Earlier this week, I received a letter from them stating that they believed the account to be fraudulently opened, and requesting proof of identity, as well as some other information. The proof of identity I can understand, as asking for photo id and social security card is pretty standard. However, they are also asking for 2 years of my tax returns and 2 months of bank statements. This is the kind of information that is normally asked for when applying for a personal or home loan, not a personal credit line. 

When I called and asked them what evidence they had of fraud, they informed me that it was an internal matter that they could not discuss with me, and provided me no evidence as a result. The account has been open for multiple years, is paid and in good standing, including a balance transfer that was paid off, so I don't know what would prompt them to send me this letter. If someone was committing fraud, I would assume that they would take the money and not pay the account. Since they won't share with me what prompted this, I can only assume that they are demanding financial information from me in an attempt to qualify me for other bank products that they have, or to resell this information. 

I would like you to please find out on my behalf what actual evidence they have of fraud. Please note that I am fully willing to provide proof of my identity in the form of my ID and social security card, but I refuse to give them financial records of the nature that they are requesting when they wouldn't request the same from a new customer, and when no other credit card company I do business with has ever asked for such either. This seems like harassment to get access to information by threatening to close the 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 non-monetary relief
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to access my credit file from Experian to place a freeze because someone is using my information. Experian required me to submit documents to prove my name address etc. Which I mailed to them 2018. They responded with a standard form letter saying my case was closed without resolution. I have not been able to access my Experian Credit file and I have fraudulent accounts opened in my name.

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 2020-06-16
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Interest rates on variable interest private loans has not dropped with he federal reserve cuts. Rates were almost immediately hiked when they were adjusted up. I have emailed Navient with this concern Navient Student Loans Loans are Owned by Navient Values range from 3000 to 12000 dollars ( 6 loans total all private ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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