BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
The credit bureaus is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking them to remove them and they have not so im filing a compliant against them for unfair credit reporting Credit inquiries XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 2022-04-13
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report from All three credit bureus ( XXXX, XXXX, & XXXX ) for the sake to see what is on there to clean up and improve my Credit Score. I Notice this Company was on my Credit report. I sent several letters complaining to both the Credit Bureus and This Company and to remove the Hard Inquiries and Negative Account information from my credit report for about a year now give or take. So far there are no results. I believe it is fraud and a scam collection company trying to get money from me and pretending to be representing on behalf of another random company. My goal is to simply get this company and their negative claims and Hard Inquiries to be permanently removed and deleted from my credit report from all 3 Credit Bureus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a line of credit with Capital one. They sold the debt to a company, " XXXX XXXX XXXX  '' They reserved the right to sell or transfer the debt. However, they never updated the contract with me to them. I am in a written contract with Capital One. They never updated the contract, therefor the contract and debt is still attached to Capital one, XXXX XXXX XXXX  simply owns it. I am therefor not required to pay XXXX XXXX XXXX, Contractually, or legally. They are holding my credit hostage and do not feel that this is a fair arrangement to wait an additional 3 years for it to fall off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Paypal Holdings, Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I received a notice from PayPal that an Invoice for {$1400.00} was made to my account. I had not made that transaction with them, so I contacted them, using the Dispute instructions on their website : I called the number listed. I spoke to XXXX XXXX who gave me Trans ID XXXX XXXX XXXX XXXX, Case ID XXXX XXXX XXXX XXXX XXXX and said the transaction was canceled. I also received a notice stating that the invoice was canceled. He then transferred me to XXXX, in their Account Team. 
Little did I know, at that time, that this was a scam which originated and continued on PayPal for pages and pages of transactions because PayPal did not alert me to the excessive charges. Bottom line, I was scammed out of {$5000.00} from my Bank account. I discovered this on XX/XX/XXXX and filed a Police report as instructed by my bank. 
Going forward, I spoke to several people at PayPal, including a supervisor and a manager, and explained what had happened. Each person I spoke said they understood. 
On XX/XX/XXXX, I received 'An Update about your case ' from PayPal , which said " We've completed our review of your unauthorized activity case, and have determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal history. '' " This transaction ''?? I have 14 pages of transactions, which I sent to them, before I stopped printing them. Further, I've always used them for small amounts, not thousands. They should have alerted me to the excessive charges to my account, just as any reputable credit company does. They have taken no responsibility for what happened to me. And to state that the transactions were not unauthorized transactions is offensive and insulting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I purchased furniture from XXXXXXXX XXXX and had to open a credit card to pay it back in installments. XXXX XXXX  employee gathered all the information and send it to the bank and opened a wells Fargo account at the end of the XXXX  year, after opening I realized they used my husband 's name under my social security. I called a couple of times to fix it but got no help every time they transferred to other customer care and ended up saying they could not help. 
I did not document all the phone calls but only once, which was my last call. 
On XX/XX/XXXX called on wells Fargo 's credit card helpline around XXXX XXXX, according to the customer care employee name XXXX employee ID XXXX, it was corrected on XX/XX/XXXX but it was not showing online banking. the online banking was still my husband 's name and as he was the owner I can not pay bills. XXXX transferred me to XXXX employee ID XXXX, he could not help as he was not able to pull the account information from his side. He transferred me to XXXX XXXX Employee ID XXXX and asked me to call on number XXXX because he was having trouble opening my account information. I called on that number around XXXX XXXX customer care employee name XXXX XXXX, refused to give me her employee ID and transferred me to her supervisor. SUpervisor 's name is XXXX ID XXXX, according to him the info from their end is correct but online banking was still under my husband 's name. He generated IT ticket number XXXX and told it should be resolved in 4 days and if not he does not know what to do. 

I also went to XXXX XXXX XXXX XXXX a couple of times, according to them they gave the correct information to the bank and now they can not 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 explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: IN
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:
I have hard inquiries on my credit report an i do n't have accounts with none of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TN
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:
To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX  XXXX to run my credit! XXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!

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 2022-04-13
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:
Accounts reporting late payments when they should not on all three major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over then last several weeks I have spoken to several people including the president office that I no longer wish to have this establishment service the tax portion, homeowners insurance portion or flood insurance portion of my escrow account pursuit to the XXXX XXXX guidelines. I have repeatedly stated I do not wish to close the escrow account as I can not legally do so due to the property mortgage insurance must be paid into one. The escrow requirements are clearly stated an 4201.2 a, b, and c. Section 8201.1 ( b ) ( i ) further covers that the mentioned less then 80 % and and less then 2 years that the bank has used on denying my desire is not valid and therefore not legal. It has further been stated that this bank wishes to charge me and additional % .025 to not administer a service that I do not required by any laws I can locate. It is my belief this is extortion. I have a fixed interest rate and a contract not requiring this service. I want to pay the P.M.I. that can not exceed % .05 gross LTV although it appears is over. P.M.I. is a escrow service that as not only a escrow requirement but none I welcome!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMTDUE SHOWS : {$4800.00} THIS ACCOUNT WAS OPENED OVER 12 YRS AGO. IT FAR SURPASSES THE 7 YR TX REQUIREMENT FOR STAYING ON A CREDIT REPORT. IVE ALREADY SENT IN A DISUPUTE THROUGH XXXX AND IT IS STILL SHOWING. I NEED THIS REMOVED FROM MY REPORT, ITS SEVERELY AFFECTING MY CREDIT. IM GETTING DENIED FOR THINGS I SHOULD BE EASILY GETTING APPROVED FOR. THIS AMOUNT WAS ALSO SENT TO A CONSOLIDATION COMPANY BACK IN XX/XX/XXXX. PLEASE TAKE IN CONSIDERATION OF REMOVING THIS ASAP.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The 3 credit agencies have all information regarding my accounts incorrect. My Account with XXXX XXXX the Open date is incorrect the amount owing is incorrect and behind According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) any transaction and experience between the consumer and the person making the report are excluded, so this means that any late payments are excluded according to the FDCPA all 3 credit agencies must match with everything that they are reporting the credit agencies are being in non compliance. I am tired of dealing with these incidences and the credit agencies 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes; or ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2020-04-01
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2020 my card was used fraudulently. I called and reported this to Eppicard.com PA department. They cancelled my card, and issued out another one at no expense. I received the new card and activated it. Today XX/XX/2020 I called to check the status of my claim. The representative verifies my information ; then transfers me to another department for fraud. The rep XXXX who answered the phone, could not understand what I was saying ; then claimed the information did not match my social security number. Now keep in mind my information was verified prior to being transferred. I advised that my info is correct ; he stated " sorry ma'am I have closed your card '' and you have to provide proof you are who you say you are. I stated my maiden name is on this card and my drivers license has my married name. He stated I would have to show divorce papers. I have not divorced, how can I show this? He froze my card, I am unable to access my funds. They are unable to give me information, and refuse to say anything other than sorry. I have no job and this is the only funds available to me for my daughter. They are not trying to help me, and I am unable to use anything. It has been weeks since my first call to them about the fraud and they still refuse to assist. My $ is stuck in this pre-paid account. I want to report them for falsely closing my card, not wanting to listen to me verify any information and refusing to let me transfer my funds. 

They have no information and another deposit is on its way to this card and they won't allow me to use it. I have contact domestic relations of PA about this shady company. They also charge per call you make to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
i am currently reviewing my Experian Credit Report and there is an address that I would like to have added to my credit report. 
Below is the address and telephone number that I would like to have added to my Experian Credit Report : XXXX XXXX XXXX XXXX, XXXX, NY. 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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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've submitted proper documents to show that I was the victim of Identity Theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my credit score and personal 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 explanation
Consumer complaint received 2020-05-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, XX/XX/XXXX, I attempted to get my free annual credit report. XXXX was successful, EQUIFAX SAID THEY COULDN '' T GIVE ME BECAUSE I ALREADY GOT IT! Not true! In fact, My last report pull was XX/XX/XXXX. 

EQUIFAX refuses to answer their phone lines and has no place for me to resolve what's going on. I suspect my acct was compromised because I received an alert email from XXXX  earlier this week. I am concerned! I want immediate access to my report, want to confirm my credit freeze is still on from this unethical, loose company. And yes, my account was part of the breech. 

These company 's should be prohibited from gathering and maintaining my personal info, especially when there is no way to access or fix their numerous errors. I am being impacted without my consent. Break them up. Demand they staff and answer phones. 

PLEASE, PLEASE, PLEASE - I need a copy of my credit report ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute this claim, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: OH
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 has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX  XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX CARD SERVICES Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDClosed on XX/XX/XXXX, XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX LT Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX  / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: FRESNO CREDIT BUREAU
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX Original creditor : 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 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
n accordance with the Fair Credit Reporting act XXXX my personal info, 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

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