BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-04
Company: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Checked Credit Report And Do Not Recognize These Hard Inquires 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Experian Information Solutions 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 NEVER GAVE CONSENT TO ANY OF THESE PERSONS TO FURNISH ITEMS TO MY CONSUMER REPORT ON MY BEHALF. AS A RESULT MY LIVELIHOOD HAS BEEN ADVERSELY AFFECTED, AND MY PRIVACY HAS BEEN BREACHED.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a mortgage with Wells Fargo and had applied for a Loan Modification with Wells Fargo during the XXXX time frame. For 11 months they said it was still under review and no decision had been made. After almost a year their Rep on the phone named XXXX said it seemed that the people getting the loan mods had stopped paying. After six moths of not paying and constantly calling to follow up on the status we were told we were denied. We appealed and they sent us a 35 page document that they said had to completed and faxed to them by the next day. We complied and they still did not respond to loan mod status. After nearly two years they notified that we were denied and they were foreclosing on the house. We had seen some of the notifications of settlements, but nothing that applied directly to us stating we were part of the settlement. Despite follow up calls to Wells Fargo we have been given no assistance. We were solid payers and our home was still above water when asked for initial loan modification, and by all of the publishings at the time we should have qualified. We were working through ASC XXXX American Servicing Company, and they had agreed to a forebearance program, before foreclosing.

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 2022-11-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I received a letter from Huntington Bank XXXX Ohio XXXX dated XX/XX/2022 saying that my bank account will be closed by the bank on XX/XX/2022. I called XXXX on the same day to asked why was Huntington Bank account was being closed and was given no reason. 
The only item I can determine is that I am being discriminated against by Huntington Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, Midwest Recovery Systems hit all 3 Credit agencies for the amount of XXXX. They are stating the original lender is XXXX XXXX XXXX. There has never been any notification sent out about this debt as well as no information verifing this debt. However now when they have the ability to automatically report non-verifiable debt causing an instant decrease in my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.

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 non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Block, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I attempted to send my brother XXXX dollars through cashapp. A app where you can send money fast to a person. In paying off a credit bill to my mother and she changed who to send the money to. It was XXXX XXXX  Hawaii time. He said he did not get it. Plus to get it right away there is a XXXX dollar charge. So at XXXX I sent XXXX dollars and he said he did not get that. So at XXXX I sent XXXX again and still he did not get it. I tried again but cashapp cut me off. So I told my brother I would try the next day. On XX/XX/XXXX I tried again but this time I tried with a different debit card and when I applied it the other card said it was the same bank. That is impossible. So that's when I knee something was wrong. I took that card down immediately and checked my bank and my money was not there, a totally of XXXX dollars. Cashapp has given me XXXX dollars back. But I'm having a hard time getting XXXX dollars back. Twice they told me they sent me XXXX and almost XXXX dollars back but when I called my bank they have not receive my money at. I feel they lied to me twice. I've called numerous times and emailed numerous times and I need extra help. My bank is not helping at all. I asked them for a letterhead of the month of my statement and they sent me nothing with cash app charges in it. I was very mad about that plus they made me wait until the XXXX of the month to get and nothing is on it that I can us. But I have screenshots of everything. I can prove everything I say. 
If anything, this company is bad for business, when they gave the XXXX dollars they put it in my bank then they took it out of my bank. XXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Good afternoon my name is XXXX XXXX REMOVE THESE COLLECTIONS AND ACCOUNTS IMMEDIATELY YOU ARE IN VIOLATIONS OF 15 U.S CODE 1681a 3 RESTRICTION OF SHARING MEDICAL INFORMATION, ( e ) THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION PERSONAL CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS. WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER, ( YOU NEVER INTERVIEWED ANYONE REMOVE THESE COLLECTIONS IMMEDIATELY ) REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH INFORMATION SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMERS CREDIT RECORD OBTAINED DIRECTLY FROM CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. YOU ARE IN VIOLATION OF THE LAW IT COMPLETELY STATES YOU ARE NOT SUPPOSE TO INCLUDE ANYTHING FACTUAL IN A CONSUMER REPORT WHICH YOU DID, AND YOU SHOULD INTERVIEW MY FRIENDS NEIGHBORS AND ASSOCIATES YOU NEVER INTERVIEWED ANYONE DURING THIS ENTIRE DISPUTING PROCESS. THE CONSUMER REPORTING AGENCY ARE AN ELABORATE MECHANISM AND YOU ASSUMED THIS VITAL ROLE OF CREDIT INFORMATION

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The Credit Bureaus stated that XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) was properly investigated but how is that possible if the open date is inaccurate and the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent given these accounts written permission to furnish these accounts on my credit 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 2023-05-02
Company: Genesis FS Card Services, 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:
I received notification from XXXX that I have a new credit card w/ Destiny Master Card. 
I contacted XXXX and told them I never applied for a new credit card. Today I received A bill from Destiny stating I owe {$59.00}. I never applied for this card. I need to know that this inquiry and credit card will be removed from My credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX2 accounts paid full and closed in XXXX. two previous accounts opened paid in full and closed with the original company. these two accounts are still being reported by transunion on my record. Both accounts have met the 7yr requirement in accordance with the fair credit reporting act. Agency needs to delete accounts from consumer record or provide response on why record its waiting till 10yr mark when its not related to bankruptcy. 
XXXX XXXX current credit card balance and monthly payment are wrong, 60 day delinquency is also wrong. this information is affectively the consumer negatively when being evaluated for banking services XXXX XXXX, account was closed in XXXX paid in full/never late. account has met 7yr requirement to be deleted. agency needs to delete from consumer record or provide reason on why its waiting for 10yr mark when its not related to a bankruptcy XXXX XXXX XXXX XXXX no late payments, monthly payment is {$500.00}. never late XXXX XXXX XXXX. account paid in full and closed. account closed as of XXXX/XXXXXX/XX/XXXX. Consumer requests this record be deleted immediately from the record since 7yr requirement has been met. Agency needs to provide response on why record is waiting for 10yr mark when its unrelated to bankruptcy.

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 2021-06-09
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: Was not notified of investigation status or results

Complaint:
Dear Credit Bureau, After checking my credit report with your company, I am notifying you that you need to update the account number of ( XXXX ) with the account name XXXX XXXX XXXX XXXX that the creditor is no longer a derogatory status that you are reporting. 

? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of Metro 2 Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely Information that SHOULDVE BEEN adequately reported! 
U = Data Point is else wise UNPROVEN. as reported! Undocumented claims can NOT be assumed valid nor compliantly report. 

I ask that you contact the creditor of XXXX XXXX XXXX and get my paying history corrected ASAP as its causing me issues with my credit score. Send me an updated credit report with 15 days when correction has been applied. My address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ). 

Thank you for your attention,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
USAA Bank linked my checking, savings and VISA card accounts with another person I do not know and definitely did not authorize to have access to my accounts. I was also given access to the other person 's accounts. 
I called USAA Bank on XX/XX/2022 and notified them about the issue ( over 2 weeks ago ). They told me that the other person had wanted to link their accounts up with someone else, but they provided an incorrect number so *my* whole banking profile got linked to theirs instead of who they intended to be linked. Obviously USAA Bank didn't bother to review/verify if the name was correct before doing the linkage as the other person certainly would not have known my name, nor was I contacted at any point to advise that someone was trying to link their accounts with mine. 
USAA Bank then blocked me from making online bill payments from my account but did not remove the other person from being linked to my accounts. When I tried to follow up with USAA Bank on XX/XX/XXXX seeing that no correction had been made, the hold time was XXXX minutes for a representative, so I tried to send an email, but the website told me that I was not allowed to send an email about my issue. I therefore mailed a letter to them on XX/XX/XXXX describing the issue and still have had no response whatsoever to my initial call on XX/XX/XXXX nor the letter mailed XX/XX/XXXX, and as of today XX/XX/XXXX my account is still linked up with the other person who is a complete stranger and who can presumably view my account activity seeing as their checking account, banking activity and debit card are completely visible to me. 
This is an egregious breach of security and confidentiality, and USAA Bank has shown no response over XXXX weeks after I reported it. I removed almost all of my funds from my checking and savings accounts and blocked my credit card to protect myself, but this situation is completely unacceptable and non-compliant with banking regulations as far as I understand. 
I plan to close my accounts altogether as soon as I can get new accounts opened and active/usable at another bank. Obviously I do not trust USAA Bank 's processes and security any more, and their complete lack of response to this serious issue is frightening and disturbing. I believe they should be subject to regulatory discipline as their activity certainly does not demonstrate adequate security measures or reasonable concern about the safety of customers ' bank accounts and access by others thereto.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation