BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I ask for proof of the debt like a contact that I signed with my signature they didnt respond I ask several times for this no answer

Company response to consumer: In progress
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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 reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2021-12-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransWorld Systems is reporting delinquent accounts on my credit in error. I have had XXXX XXXXnsurance for the last several years. The original creditor must have made an error and not taken my XXXX XXXX  information XXXX I have attached a copy of my medi-cal cards dating back to 2017. Please have TransWorld verify the accuracy of all negative TransWorld accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I informed the credit company I am a victim of defamation and financial injury FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ). As a result the accounts I informed them are reflecting with their company incorrectly. Therefore, Im not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA.

I asked them to DELETE the mentioned accounts and they do not have the legal authority to decline this demand to block information based on the basis of a misrepresentation of fact by me the consumer, or any other reason under 905B ( c ). Based under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute their organization 's willful negligent non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Information belongs to someone else

Complaint:
This is my third 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX 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 explanation
Consumer complaint received 2022-11-04
Company: AMERICAN EXPRESS COMPANY
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: Overcharged for something you did purchase with the card

Complaint:
American Express Card was a corporate card under XXXX XXXX XXXX company in 2017 card was closed after items where disputed American Express tried to sue me personally and the suit was dismissed for failure to show signed by judge the order stands American Express is filing again abuse of process for the same thing with out doing an appeal refuse to send documents for the dispute using a debt collector Customer Service. 
XXXX overcharging of fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please find attachments that XXXX and XXXX did not permit loading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Portfolio Recovery Associates LLC is reporting an alleged debt to the major credit bureaus as of XX/XX/XXXX. I requested debt validation by notorized document XXXX XX/XX/XXXX sent by certified mail received and signed for by business verified by XXXX but the business has failed to validate the alleged debt to date far exceeding the 30 day requirement by the Fair Credit Act. A contract between myself and original creditor and a transfer of debt document from alleged original creditor to Portfolio Recovery is required to collect and or report alleged debt. I request Validation to be posted here on the Consumer Protection site, do to the business claiming to send validation via mail to my address. Only requested documents are validation and gives the right to collect and or report on the alleged debt according to FCRA, federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: KY
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-08-16
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I first want to start by saying that I am unsure if I selected the correct categories because I am in a very odd situation, frustrating situation at that. 

My work offers an HSA ( health savings account ), and they require you to go to a specific bank ( People 's United Bank ), to open the HSA account, they also give you a {$500.00} to deposit into the HSA account. Why I feel this is an urgency, is because I just had my wisdom teeth extracted and I could use the {$500.00} that my work gave me to front load my HSA account. Well, when I went to people 's united bank this week and a week ago, they told me that I showed up on a chex system report, meaning that I had an outsanding charge off with another bank. People 's United bank couldn't tell me which bank was reporting that the first time, but for some reason they were able to tell me the second time which I find frustrating that they couldn't tell me the first time. The second time I went into people 's united bank in  XXXX, NH, they told me that XXXX XXXX XXXX was reporting me and that I couldn't open up the HSA account. 

I had to think for a minute because my the only bank that I have a checking or savings account with is XXXX XXXX XXXX XXXX. I then remembered a few years back, my father was going to jail and he needed someone to pay his bills for him while he was in jail, and he had me put my name on his account at XXXX XXXX XXXX XXXX so I could pay his bills. Well, I went straight to XXXX XXXX XXXX in XXXX, NH and the manager terminated my name from my father 's account, but wasn't able to report that I wasn't responsible for the {$3000.00} charge off account that my father accrued with XXXX XXXX XXXX XXXX. My sole purpose was not to be on my dad 's account to pay his fees, but to pay his bills for him while he was in jail. Now I can't open up an HSA account at People 's United bank until my dad 's balance at XXXX XXXX XXXX is paid off. I don't feel that is fair to me because I honestly didn't realize my name was still on my father 's account and nor did my father tell me that I was still on his account. So while he was racking up a bill with XXXX XXXX XXXX, my name was still associated with his account. I am furious! And I will take every step that I need to, to resolve this. I don't feel at all this is fair to me especially for the reasoning that I was on his account. 

XXXX XXXX at People 's United bank sent me an email XX/XX/18 stating that I can't open up an HSA account until the balance at XXXX XXXX XXXX is paid. 

XXXX XXXX at XXXX XXXX XXXX provided me a letter XX/XX/18 stating that I was terminated from my father 's account to provide to Peoples United Bank, and even after providing that letter, XXXX XXXX still told me that I couldn't open an HSA account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX 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 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 2023-02-10
Company: Lockhart, Morris & Montgomery Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt collecter engaged in abusive deceptive and unfair practices of the FDCPA which it prohibits.they furnished this account that we didnt agree upon and i didnt sign agreement on XXXX contract is signed by two parties and i did not particioate in any of ti.More so they didnt follow the proper 5 step validationprocedure which makes this unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$460.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/2023. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 2023-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I was a victim of fraud worth {$7600.00}, I purchased a vehicle from an XXXX business registered as sinner sundown, I paid through XXXX using my debit card Less than 24 hours later at the dmv on XX/XX/23 XXXX found out the vehicle was stolen by XXXX  XXXX XXXX and all documents provided were fake, the car was taken away by the police.

I immediately contacted my bank and explained the situation and disputed the charge since it was clearly fraud. 
I was issued provisional credit while they investigate. 
I provided police reports and adequate information regarding the whole situation. 

On XX/XX/23 I received a letter in the mail from Wells Fargo stating my claim was declined and the provisional credit will be taken away. 

I contacted them and to my knowledge they never received the police report I submitted, I was told I will be called back with an update in 24-48 hours. 

The same day I contacted cashapp/square, I was told on the phone and also sent documents stating that the {$7600.00} in total has been reversed to my debit card on XX/XX/23 and the full amount is currently with my bank and that I should contact Wells Fargo XXXX 

I wasnt notified of this by Wells Fargo, they issued me a provision credit around the same time cashapp/square reversed the payment back to my debit card. 

I asked Wells Fargo why I wasnt notified of this and the customer service agent couldnt answer my question.

I never got a call back updating me within 24-48 hours on XX/XX/23 and its been over a week now. 

I called in today and the customer service agent on the phone told me the claim has been closed.

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 2018-10-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and I noticed a few hard inquiries that don't belong to me, I immediately contact the companies to let them know those applications are fraudulent. Please remove these fraudulent hard inquiries from my credit report XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX  XX/XX/18

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 2018-08-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i had a rep call me and tell me that my account was being reviewed due to me reporting an atm fraud. i explained that i have never reported any kind of atm fraud. i have my debit card and there was nothing wrong with it. i have had direct deposit for over 3 years and when i called they said it was closed. the same day that i got my direct deposit. now there telling me i have to wait 60 days before i can get my money. so i have to wait 2 months before i can see my money. they wont even let me open a new account. not like i would want to after all of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: MA
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:
Ban of America is reporting I failed to pay my mortgage. I provided the copies of my bank statement as proof. The payments were made to XXXX ( XX/XX/XXXX and XX/XX/XXXX for {$370.00} ), who held the mortgage with us. they still refuse to fix the error.

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