BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: NY
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: RFNA, LP
State: GA
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:
On XX/XX/2023 I paid my loan completely off and even prior to paying them I received notification from XXXX that I was delinquent on my account which they said they did not submit any late payments on my account. On today which is XX/XX/XXXX, I received another notification from XXXX Republic finance has reported my balance increases and is late which caused my credit to fall from Good to Fair with a point deduction of XXXX points. this is the second time in 6 months that my credit dropped due to their practices. Additionally, I attempted to dispute this situation to XXXX on multiple occasions However, XXXX wouldn't allow me to dispute it saying that I have previously disputed this account and I am not allowed to dispute it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Synergetic Communication Inc
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter came today from Synergetic Communications, seeking to collect {$130.00} on behalf of XXXX XXXX XXXX, original crefitor " XXXX XXXX. '' I have never dealt with Synergetic or with Novea or with XXXX XXXX. 
All the account numbers on the letter are bogus. 
My name is not on the letter. 
The letter invites me to dispute the validity of the debt. But I do not enter into dealings with outfits that fabricate debts. 
The letter is no mistake. As a matter of principle I do not carry debts. In the last ten years my only debts were on our house ( to a bank ) and our car ( to the manufacturer ), and both were paid off eight years ago. Every month I pay off my credit cards on schedule, as I have done for the last fifty years. Sender knows as well as I do that the " debt '' they cooked up does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 inructions 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 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be verified or removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commonwealth financial systems put on my credit report XX/XX/XXXXXXXX  my account was delinquent for payment in the amount of {$3000.00} and it was sent to collections in XX/XX/XXXXXXXX  from XXXX XXXX XXXX who is original debt collector. XXXX has been coming for me since XXXX  on these same medical claims that were supposed to be paid by the veterans affairs I have called the veterans affairs several times thinking the issue was through only for it to continue popping up on credit report. It is frustrating because they are supposed to file claims within three month window to receive payment they continue to go after me illegally sending threatening notices in past years about the collection when they are supposed to go through veterans affair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-12-23
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received checks with my name and ( former ) address on them from FNBO via Deluxe. I have never used this bank nor did I request any checks. I also received a letter from the bank stating that they placed my account on hold due to suspected fraud. I called and they said that an account was opened with my personal information on XX/XX/2023 but that since hearing from me they would be sure 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 2017-07-16
Company: U.S. BANCORP
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I ORIGINALY MADE AN ADVERTISEMENT TO SELL A THINKSTATION ON   XXXX   XXXX   FOR {$2000.00} AFTER 2 OR 3 DAYS I WAS CONTACTED BY MY PHONE MESSAGE THAT THIS PERSON WAS VERY INTERESTED SO HE OFFERED {$50.00} EXTRA TO HOLD THE COMPUTER LATER HE SENT A CASHIERS CHECK FOR THE AMOUNT OF {$4200.00} TO COVER THE SHIPPING OF $   XXXX  .I DEPOSITED THE CASHIERS CHECK AT THE BRANCH AND I WAS TOLD THAT THE FUNDS WILL BE AVAILABLE NEXT DAY, WHICH WAS THE CASE.I ASKED TO MAKE SURE THAT THERE WAS NO PROBLEMS AGAIN. SO WHEN THE PURCHASER ASKED ME TO FORWARD {$2200.00}, TO THIS PERSON NAMED   XXXX   XXXX   IN TEXAS I DIDNT SEE A PROBLEM.I WAS TOLD THAT SINCE THERE WAS CASHIER CHECK INVOLVED AND THE BANK HAD 24 HOURS TO VALIDATE THE CHECK .THERE IS NO EXCUSE TO RETURN THE CHECK WITH {$19.00} TRANSACTION FEE PLUS MY LOSS OF $  XXXX .I TRUSTED THE BANK SINCE I AM NOT FAMILIAR WITH THESE CHECKS AND HOW THEY WORK.I AM NOT THE PERSON THAT MAKES THE DIRECTVE OR THE PROCEDURE ON HOW THE BANK IS A BANK. I TRUSTE THE VALID FUND AFTER THE BANK DECISION AND MADE THE TRANSFER. I THINK THE US BANK SHOULD BE LIABLE FOR BANK DECISION NOT ME SINCE US BANK DECIDED TO THE JOB AS A BANK NOT ME.
I THINK THAT THE US BANK SHULD BE RESPONSIBLE FOR MY LOSS OF {$2200.00} AND THE {$19.00} FINE.
I HAVE ATTACHED ALL THE DOCUMENTS I HAVE. MINUS THE POLICE REPORT THE I AM GOING THE FILE RIGHT AFTER THIS.
I HAVE A VERY SERIOUS COMPLAINT, I DOPOSITED THIS MENTIONED CHECK.I COULD NOT SEE THE IMAGE TILL IT WAS RETURNED. I COULD ONLY SEE THE DEPOSIT SLIP.
THE BANK DID NOT PROCESS THE CHECK PROPERLEY AND AS THE RESULT I HAVE LOST {$2200.00} AND {$19.00} OF FINE.THIS IS DUE TO THE BANK BEING UNDECIDED TO CASH THE CHECK OR NOT.IF THE BANK HAD MADE SURE THAT CHECK WAS OK TO HAVE AVAILABLE FUNDS OR NOT I HAD NOT LOST {$2200.00}.
THIS IS NEGLEGANCE OF THE BANK.AND I THINK THAT THE US BANK SHOULD HAVE A NEW DIRECTIVE AND PROCEDURE TO HOW TO PROCESS THESE CASHIER CHACKS SINCE ITS THE BANKS JOB TO DO THIS.
I AM CERTAIN THAT I AM ENTITLED TO BE COMPENSATED FOR $  XXXX .I WOULD HAVE NOT WIRED THIS MONEY OUT TO TEXAS IF I WAS NOT MISGUIDED BY THE BANK.
THEY SHOULD HAVE HAD AS MANY DAYS OF HOLD ON THE CHECK AS THEY NEEDED.I WAS NOT IN NEED OF IMMEDIATE CASH SINCE I HAD 6 TIMES THAT AMOUNT IN MY ACCOUNT.
THANK YOU.

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 2018-11-08
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the third time I have had a collection agency contact me regarding a debt I paid in XX/XX/2012. The original debt was with Citibank. I settled with them for an amount less than what was owed. My attorney worked with theirs for the settlement. I have reported this to the CFPB before, but it happened again. I don't know if this is some sort of fraud, or attempted fraud, or if Citibank did indeed sell the balance of what was originally owed to another company. This time I was contacted by XXXX XXXX or XXXX XXXX XXXX. XXXX. They had all the dates of when I opened the account, the amount originally due, etc. and the last 4 of the account # and the last 4 of my social. They told me the debt had been purchased by XXXX XXXX XXXX. I can't find either company online. I told them that I had paid the account and they told me that if I could provide the entire account number of the account ending in XXXX, they would make a note to stop collection attempts. She said it was a MasterCard. The rep I spoke to gave me her direct line so I could look for it and call her back, XXXX. When I went to look for the account number, I realized that the account ending in XXXX was my Citibank XXXX XXXX. I called her back and told her I would not give her the number and that it was an XXXX, not a MasterCard, and that I had a letter from Citibank dated XX/XX/XXXX ( from my last complaint to the CFPB ) stating that the account was settled and that Citibank has not sold the debt. She told me that she would " put a note in my file '' stating this and she wouldn't send her legal document server out to my place of employment. They had threatened this on a voicemail. I offered to email a copy of the letter and she said it wasn't necessary. That alone is strange. She is trying to collect a debt, but takes my word for it that I paid it already?

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 2023-09-18
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Nelnet 
Securities Fraud 
Stolen promissary note 

XXXX  reported new open account without written consent, 

Federal Law Violations : TILA , FEDERAL RESERVE ACT, BILLS OF EXCHANGE ACT, 15 USC , 31 U.S. Code  3123, Title 18 241/242 , Fair Credit Billing Act , , HJR-192, EQual Credit Opportunity Act ,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2023, I mailed in a letter to Equifax after they received my letter on XX/XX/2023, they never responded to my certified letter to correct the incorrect personal information, accounts or addresses on my consumer report. Based on 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role. Equifax were not given express permission by me, the consumer, or competent court jurisdiction. So not only did they fail in the initial investigation of the accounts I include in the letter. Equifax assumed these accounts were valid. Which is a violation of my consumer rights. Equifax did not ensure that these accounts, addresses or personal information were accurate, and they did not exercise their grave responsibility with fairness and impartiality. They took one side of the story and never consulted with me to find out if these accounts, addresses or personal information were true and accurate. As a result of this my privacy was breached and my right to privacy was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was with Bank of America. I had a secured credit card and I ended up being incarcerated. I wrote 3 letters to XXXX XXXX headquarters and they would not respond. My wife constantly tried to pay on a secure card which was my own money but they continued to deny her access to pay even with my written consent while away. She tried for weeks and they denied so I wrote again. I even called to resolve and they told me your account is closed for lack of response. Mind you, this is a secure card that I faithfully paid on time every single XXXX month. They closed it saying I had an outstanding balance of {$15.00}. This was so sad because it now sits on my credit report. Its not right. I told them prior and authorized my wife as a user to make payments or decisions on this account. She did everything she could do but they closed it. All for {$15.00}. I got a call and they forced me to pay the account off for the {$15.00} even after they knew I was incarcerated. They said there is nothing we can do for you. They closed it only this but also my checking account due to monthly service fees I accrued while away. They basically just used my situation to get money and make my credit bad. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited a check for {$3400.00} at a Wells Fargo ATM in XXXX XXXX. The bank wrongly adjusted my deposit. On XX/XX/2023, I spoke with Wells Fargo 's ATM department. They said that they would review my deposit and the funds would be available the next day. That same day I made a second call to check the status. They said the bank accepted the deposit and that they re-deposited the fund to my account, that I should have the funds by the next day. On XXXX XXXX, I did not get the funds. I called the ATM department again. They said they were having technical difficulties and that the funds should be ready by XX/XX/2023. I called a second time that day to confirm that I would have access to the funds XX/XX/2023. They said most likely I would have access by the XXXX but worse case scenario I would have the funds on Tuesday, XX/XX/2023. I didn't get the funds XX/XX/XXXX. I called Wells Fargo 's costumer service and they did not tell me the reason why my funds do not show up on my 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 monetary relief
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX and I'm a consumer submitting this complaint without any third party being involved on behalf of myself. Upon checking my consumer report I've noticed several fraudulent accounts, addresses, and hard inquiries being furnished on my consumer report without my written instructions or consent and no lawful authority. Fraudulent accounts : XXXX  XXXX {$5300.00} opened ; XXXX XXXX XXXX XXXX : {$3700.00} opened : XXXX XXXX : {$1400.00} opened : XXXX XXXX XXXX XXXX : opened : XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-07-16
Company: Experian Information Solutions Inc.
State: WV
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: Other problem getting your report or credit score

Complaint:
XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am p.o.about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.

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 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My score was XXXX. I did nothing different the status even says they show no changes to my report yet Transunion dropped my score by 61 points. This is not fair and a way for this agency to assist companies in applying higher rates because of a low score. I have not been late in over three years on any of my accounts. I have not applied for new credit. I have not become delinquent on any of my accounts, and I continue to pay down my balances which most are below 30 %. There is no explanation for this drop in my score. There should be an explanation required by the credit bureaus to drop a score so significant with no changes to a consumer 's report. Please assist.

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