BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: Village Capital & Investment LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
New Account XX/XX/2023 A new account has appeared on your credit report. 

VILLAGE CAPITAL AND INVE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV, XXXX This new credit account was not open by me and it caused a decrease in my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Information belongs to someone else

Complaint:
Please remove this account from my credit report as it is fraudulent and not associated with 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom mortgage is my collector. During this covid 19 time they are not picking up the phone. I want to delay the next few months mortgage. Till my wife goes back to work. She was advised not to work. I am on XXXX. There is no communication with Freedom mortgage. Pls 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 2023-06-10
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was sending money to my sisters bank account in XXXX using the western union app but she is not able to collect the money because she is trying to register with XXXX but it is not working. I want to know if the money will still go to her XXXX account or I will get back the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an online XXXX store run for me by another company. They told me I needed to pay a company called swift-ship {$2000.00} to ship some of my merchandise. Shortly after the payment was charged I noticed orders still weren't being shipped. I constantly tried to contact the account manager I was dealing with but there was no response. Then I received a letter from the company who was supposed to be managing my store that said they closed and dissolved their company. I never received any shipments from XXXXXXXX XXXX and none of my product was shipped because all the orders I received were cancelled. I filed a dispute but supposedly XXXX told Capital one they shipped a pallet of stuff to me at my address which is a regular house and would have place to receive a pallet of items. I tried to look up XXXX and don't have a phone number or address to contact them. So how could they verify or prove shipment were sent to me if Capital one can't tell me their number or address. I have received no proof of invoices being sent to this address and at this point feel it may be some kind of scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX and Experian are reporting late payments from companies that are inaccurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all reporting inaccurate late payment information. 

These have been reported late for XXXX, XXXX, XXXX, XXXX and XXXX which is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital one closed my account after i lost my credit cards in XX/XX/2022. I could not log into my account and when i called i was told that i had to wait for a letter in the mail to get my balance to pay. I asked they why they closed my account they said because they could not long have a relationship with me based off their company standards. So i waited for the letter but in the mean while they were reporting me late when i was never late to begin with. I called to settle the debit with one exception that they fix the late payments. I explained what happen again and they said they would send me a letter. 2 months later i get a letter saying that i was late. I don't understand how i could be late on closed account?? does that even make sense. this is affecting my credit and i need this fixed. i have disputed several times and request verification and never get anything. 

Reporting late on XXXX XX/XX/2022 to XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: AR
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 have been asking this company to fix my credit report for 3 years now. The company sends a response and say that the accounts are verified and never sends the proof that the accounts are my obligation. I have sent an invoice and the company didn't pay the invoice and states the information on my report is accurate. I am uploading proof that this company has not verified the accounts and they have not sent validation of the alleged accounts to me as I've asked several times. In these uploaded files you will see my credit report from this company showing several different mistakes. All of the errors are highlighted and marked. If this company really verified the accounts then they would have seen the mistakes before I did. Dates, late payments that are incorrect, some payments are not reported, no closed date, no information about who the alleged debt comes from. The alleged accounts are not reporting complete and accurate information and congress states that the banking systems are depending on the information being accurate and complete. This problem has been going on for 3 years now so I demand that the information be deleted immediately. They had three years to fix this information and it is clear that the company is willfully defaming my character and neglecting all of my attempts to fix the issue. I can no longer trust the banking systems because they are using information from a company that is clearly not really verifying and validating the accounts like they say they are. I have several exhibits showing several discrepancies. Delete The Accounts.

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 2023-09-05
Company: EQUIFAX, INC.
State: TX
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:
It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX account XXXX Date open XX/XX/2019 balance XXXX and loan by phone/ XXXX XXXX XXXX acct XXXX XX/XX/2019 balance XXXX both this debt was settled with collections and XXXX XXXX and Experian will not fix after multiple disputes and have sent settlement papers and keep coming back verify without stating how they verify that debt was validated

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
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 hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding fraudulent items associated with my account. Despite my previous attempts to address this issue, it regrettably persists. 

I initially reported this matter and despite your team 's efforts, the fraudulent items remain unresolved. This situation is causing me significant distress, and the lack of a resolution is impacting my trust in your services. 

I kindly request the following actions be taken urgently : Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. 

Provide me with a detailed update on the ongoing investigation into the origins and nature of the fraudulent activities, including any new findings since my initial complaint. 

Enhance communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to avoid any future unauthorized access or activities. 

I understand the complexities involved in addressing such matters, but I emphasize the importance of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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:
HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am XXXX XXXX and am sending this letter on my behalf, requesting that the extended fraud aler

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 2023-06-12
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: Information belongs to someone else

Complaint:
I have a fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX yet they are not removing these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have no right to refuse to remove these fraudulent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXXXXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened at an address where I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX XXXX 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
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Experian In reviewing my credit report from Experian, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX inquiry date XX/XX/XXXX 10. XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly 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 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was harassed and falsely accused by XXXX XXXX which led wells fargo to close my account. I opened my account on XX/XX/XXXX when I went to cash my insurance check for hail damage to my roof this banker XXXX XXXX pressured me into opening a checking account with them which I really didn't want, but she wouldn't leave me alone. Then she insulted my son about his facial features and mine also. I regretted not getting up and walking out. I had my account open and it was opened for 1 year. Around XX/XX/XXXX, I couldn't log into my online account. I called the XXXX number & the wells fargo rep said my account was compromised & I had to open a new account. I went to a XXXX XXXX wells faro branch on XXXX XXXX. It took me a week to get my new account open because they kept running me back and fourth, this whole time I didn't run into XXXX XXXX until the very last day on XX/XX/XXXX when I had to finish open it up, there she was at the door greeting people. Then after I sat down talking to my banker a few minutes later 2 XXXX XXXX police officers came in looking around, they were a bit confused because they saw I wasn't bothering XXXX XXXX because she wasn't around when the police got there. The police left a week later XXXX I was trying to purchase something with my wells fargo debit card & it decline. I had no idea what was going on. I called the XXXX number again and complained at this time I had no idea what was going on. The wells fargo employee told me that the business relationship went bad I said how? I just opened it. I received a threatening letter from XXXX XXXX telling me that wells fargo was exericing their right to close my account that I had just opened & I was told not to enter the wells fargo branch especially the one where XXXX XXXX was conventially at. He was very demeaning and hostile in the letter. It was XXXX XXXX who compromised my checking account & disabled my online accuess & she was stalking me having the employees at the XXXX XXXX branch to tell her where I was.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 
XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-17
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OneMain Financial is attempting to collect on an alleged debt in which they may not be the holder in due course. The debt has not been validated nor proof provided that I am obligated to pay OneMain this alleged debt. I have mailed a notarized conditional acceptance letter to the Chairman/CEO, CFO and a copy to the Attorney General of Indiana via certified mail requesting proof that OneMain is the holder in due course of this alleged debt and I am the obligated party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is not my account and keeps appearing on my credit after deleted Inquires removal was requested several times

Company response to consumer: Closed with explanation