BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The company involved is Wells Fargo. On XX/XX/2023, my birthday, while I was in a college lecture with XXXX other people, a {$1400.00} cashier 's check was taken out of my checking account at a branch. I filed a claim for this money as I did not take this money out of my account. I was concerned about being able to pay for my college tuition fees next semester. They informed me that they would do a 10 day investigation into the claim. They told me after the 10 days that there was no error found. I called them to dispute the matter further as I am 100 % sure it was not me. They gave me the name of who the check was written out to, XXXX " XXXX XXXX ''. During the time that the check was taken out on the XXXX, the bank XXXX XXXX department called me and informed me that they had caught and blocked an attempted {$400.00} online transaction using my checking account. While I was on the phone, whoever stole my identity was at the bank branch getting the cashier 's check, as they said it happened at XXXX PM, the same time that I was on the phone with the agent. They told me that the device that attempted to make the purchase had an IP address in Texas. I live in California and have never been to Texas. After further researching the name that was written on the cashier 's check, XXXX " XXXX XXXX '', I found an account of a female with that name on XXXX. Her location was listed as " XXXX, TX ''. After trying to further dispute the claim that this was not me after their 10 day investigation, they informed me that the XXXX would give me a call within XXXX business days to explain the closure of the claim. It has been XXXX business days later and I have still received no phone call. I will be dropping this immoral bank, and I suspect them of simply stealing my money as they have been shown to do with customers recently. Customers online have stated they do not trust this institution and they have been terrible at trying to help me get my hard earned money back. I'm XXXX XXXX XXXX, in college full time, and watch my money closely. Please investigate these crooks. People who I have no knowledge of have stolen my money!

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 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
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 Report Act XXXX, XXXX Creditor : XXXX XXXXXXXX, has violated 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, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is fraudulent account, I don't recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: GA
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 Report Act XXXX XXXX XXXX XXXX XXXX, has violated 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, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am disputing this account, because this lender has committed a fraud under this account, and they need to be accountable to fix this issue on my credit report, if this issue is not fixing, I will hire an attorney to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: NY
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 sent out a request to Experian which they received on XX/XX/2022 to BLOCK and delete the transactions on my consumer report are identified as identity theft. I explained in my letter in detailed that my request to block was NOT made in error, my request to block information was NOT based on a material misrepresentation, as well as the information identified is not information relating to any transaction by me the consumer. 

They sent me a letter via E-mail which is attached. that they are denying my request to block and delete these transactions because of one or more of the following reasons below : 1 ) your request to block was made in error, 2 ) or, your request to block information was based on a material misrepresentation, 3 ) or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. 

so I called them and explained I specifically wrote this is my original letter sent out to EXPERIAN as well as what steps did Experian and these companies took to VERIFY THAT I ACTUAL HAVE THE POSSESSION of these items. how can they prove this? XXXX XXXX, XXXX XXXX, XXXX XXXX AND EXPERIAN keeps reporting this information which I also never gave them permission for. How are they verifying that i am NOT a victim of identity theft. when I am a victim of identity theft! 

I called serval times and spoke to different Experian representatives and said they can not continue to report this information on my consumer report and they said they can because the companies verified that this is accurate? 

HOW? how can they determine that this is NOT identity theft when I'm making a COMPLAINT that this is identity theft. This request was not made in error. Please i attached a FTC report my driver license! Please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX XXXX {$20000.00} XXXX XXXX XXXXN XXXX {$18000.00} XXXX XXXX   XXXX  XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT ED/XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$320.00} DEPTEDXXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: NJ
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:
To Whom It May Concern, I was looking at my credit score on XX/XX/XXXX I noticed a few things that were never authorized by me. I believe these to be fraud as I never signed anything or authorized anyone to pull my credit report on the following date of XXXX XXXX XXXX. 

Here are the companies that are giving me hard inquiry even thou I have no idea who they are and what there talking about. Any help In removed this Inaccurate information would be great. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2023-09-07
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX XXXX XXXX I worked with XXXX XXXX, a loan broker with XXXX XXXX XXXX for a commercial equipment loan for my business. He quoted me various loan terms via email and I accepted one of those written options, and requested the contract. The terms were {$33000.00} loan for 60 months@ 15.3 % interest and a monthly payment of {$790.00}. 

My loan was then placed with Financial Pacific Leasing in Washington ( they are a subsidiary of Umpqua Bank ). Payments were automatically drafted from my account monthly and I never received a statement from them. Today, I reached out to Financial Pacific Leasing to request a payoff amount since I've been paying for 16 months, and was prompted to create an online account, which showed my payoff was over {$33000.00}. I told the representative this must be a mistake, and she indicated my original loan amount was {$47000.00} because all of the 60 month 's worth of interest was required to be paid up front, meaning there would be no benefit to paying off the loan early. She also informed me there was no interest rate attached to my loan. This was not what I agreed to in writing with XXXX, and he essentially bait and switched my loan. 

I reached out to XXXX and he said I owe whatever Financial Pacific says I do, and he didn't think I would want to pay the loan off early so he didn't think to disclose that he was in fact financing {$47000.00} on my behalf ( rather than the {$33000.00} we discussed ). But he said this is all my fault for signing the contract without realizing some of the agreed terms had been left out. 

I feel like I've been a victim of predatory lending- I did not receive the loan terms that were quoted to me and the bank and the broker are blaming each other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed a copy of my credit report and Capital One ran an unauthorized credit inquiry on me on XX/XX/2022. 

Recently my personal information was stolen out of my computer by some scammers. 

The credit check was not authorized neither was it performed with my intelligence. 



I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CAPITAL ONE and investigate such occurrence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: NJ
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:
To Whom It May Concern, I was looking at my credit score on XX/XX/XXXX I noticed a few things that were never authorized by me. I believe these to be fraud as I never signed anything or authorized anyone to pull my credit report on the following date of XXXX XXXX XXXX. 

Here are the companies that are giving me hard inquiry even thou I have no idea who they are and what there talking about. Any help In removed this Inaccurate information would be great. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have multiple inquires on my account that i dont recognize.

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: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtained a copy of my credit report from XXXX and was alarmed to discover a fraudulent collection item on my report. The collection is associated with an XXXX XXXX XXXX cell phone account, which I have never owned or had any affiliation with. 

Upon reviewing the details, it is clear that this entry is a result of identity theft or an error, as I have never been an XXXX XXXX XXXX  customer. I am writing to formally request the immediate removal of this fraudulent collection from my credit report. 

I understand the importance of maintaining accurate credit information, and I kindly request your prompt attention to this matter. Please investigate and rectify this issue as soon as possible to prevent any further damage to my credit score. 

Thank you for your assistance in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
I disputed a collection account with Equifax and XXXX. I informed the credit reporting agency I had no knowledge of having XXXX XXXX  account sent to collections. Equifax and XXXX failed to provide debt verification and/validation. The collection account was not removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: SC
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 First Progress Card XXXXXXXXXXXXXXXX, has violated 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you FIRST PROGRESS CARD are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Bread Financial Holdings, 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 have a fraudulent account on my credit report, which I reported it to Comenity Bank, yet Comenity Bank is not removing this fraudulent account. Comenity Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet Comenity Bank has refused to do this. The following is the fraudulent account : Comenity Bank / XXXX Date opened XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Colony Brands, Inc.
State: AL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
There is an account for SEVENTH AVENUE that was opened in my name.. It was opened with out my knowledge. I have contacted this company numerous times. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$680.00} XXXX  XXXX   XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX-XXXX   XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$530.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}

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: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a written debt collection on XX/XX/XXXX ( NCA, LLC ), asked what it was for XX/XX/XXXX, written. 
Received response back XX/XX/XXXX with an original loan with XXXX XXXX XXXX XXXX XXXXXXXX. Loan was docusigned, my name and address, unknown email address. 
Loan No. XXXX for {$1100.00} owing now {$2000.00} to National Credit Adjusters , LLC XXXX XXXXXXXX XXXX XXXX. Responded not mine XX/XX/XXXX. Guess I didn't get the legal language correct. Reported as bad credit XX/XX/XXXX by NCA, LLC. 
Payment account was to be : routing XXXX, account XXXX  XXXX. Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: DE
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$680.00} XXXX  XXXX   XXXX {$740.00} XXXX  XXXX  XXXX {$530.00} XXXX-XXXX   XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$530.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}

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 2023-08-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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