BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MO
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 formally requesting by submitting this CFPB complaint to remove the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I am submititng this Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 

XXXX XXXX XXXX Balance : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 

XXXX XXXX XXXX XXXX : {$0.00} I need to dispute charge off accounts that are still being reported on my credit file with a XXXX balance. These accounts have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies 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 explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TN
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:
Per my Equifax credit report, on XX/XX/2023, a company requested a hard pull of my credit. I have never heard of the company in question, nor did I authorize the request. I disputed this twice with Equifax, once on XX/XX/2023 and once on XX/XX/2023, both of which times have been denied and the information is not being removed. It does not appear that any new accounts have been opened from this inquiry, and as such, I believe this is an erroneous hard credit inquiry by the company in question and not fraud. As a result of this, I have placed security/fraud notices on my credit file with all major bureaus ( Equifax, XXXX, XXXX ) XXXX as a precaution. 

The company in question that apparently made a hard inquiry is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, OH XXXX I have attempted to contact the company directly, but so far have not been successful, so I am submitting this compaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, someone got into my Cash App and sent money to an unknown account. I contacted authorities immediately and started an investigation. Cash App told me that there was no way to recover those unauthorized charges and that there was no way for me to get any help. Since Cash app did this I went directly to my bank for assistance, now no one wants to help me with my situation. It is XX/XX/2023, and I have contacted Cash App multiple times to reopen their investigation because I have stated very clearly that these transactions on the account where unauthorized. They continously tell me that the XXXX shown on for the charges came from my account, but I've told them countless times that I DID NOT AUTHORIZE THEM! Even when I try to ask to speak to a manager, they can only send me one-way emails and continue to enforce that there is no way to reverse their decision. I am seeking help because now my Bank is attempting to charge me for the money that was credited to me during the investigation. Cash app had told me the only things I could do was : 1. ) Request that the person who received the money refund back to me. 2. ) Contact Law Enforcement. I have done both of those things and am getting nowhere. I need help because my account is now in the negative and I feel that I am being treated unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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

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 2023-01-27
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing to dispute an inaccurate report linked with my name, regarding a recently closed account with Bank of America. This account was reportedly closed due to supposed suspicious and fraudulent activity, which I firmly believe is a misunderstanding that needs clarification and resolution. 
The transactions i made ( XX/XX/23 for a total of {$12000.00} ), ( XXXX a total of {$6800.00} ), and ( XX/XX/23 for a total of {$500.00} ) deemed " suspicious '' were individual checks I received from a client tied to my newly established business, registered as an LLC. As the business was in its nascent stages, these checks were deposited into my personal account at Bank of America. The funds from these checks were strictly related to my business operations, a fact that I can validate with the relevant LLC documentation and evidence containing the Consumer ID To my knowledge, these checks were legitimate. Therefore, it was surprising and distressing when my account was abruptly closed without any prior, direct communication or preliminary investigation. I had no cause to suspect any fraudulent activity linked with these transactions. 
My client, XXXX, provided these checks from XXXX XXXX XXXX  as payment for business services rendered. As such, I request that you thoroughly investigate this matter and reconsider the nature of these transactions.And not once did i ever recieve that money or used that money because it was never deposited into 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 explanation
Consumer complaint received 2023-08-05
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Innacurate information being shared. Also my written consent was ever given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-03-06
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: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my XXXX, Transunion and XXXX reports. I have been a victim of identity theft, and there have been multiple inquiries on my XXXX, Transunion and XXXX reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with XXXX, Transunion and XXXX but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my XXXX, Transunion and XXXX accounts immediately : * XXXX XXXX - XXXX on XX/XX/XXXX * XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX * XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX Inquired on XX/XX/XXXX * XXXX  XXXX- Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX- XXXX on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX BANK - Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX XXXX, Transunion and XXXX is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.

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 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a loan from WellsFargo to start my medical practice. I am personally liable for the loan for my LLC, not the business itself. The payments etc appear on my personal credit report. 

I was supposed to receive a line of credit with the loan, but that never materialized. 

When I make extra payments, I request that the payment due date be advanced. WellsFargo has not applied any of my payments as I requested. They have said it is because the payments are not associated with an invoice, but no bank sends out old payment coupons anymore. WellsFargo does not generate electronic invoices in advance. They create a system where I can not pay an advanced payment, despite me wanting to do so. I even tried placing the month and date in the memo section. 

I called WellsFargo again on XX/XX/ XXXX. I reached XXXX. XXXX refused to understand my issue. She became upset and disconnected the call, when I stated her answers were not to my questions. XXXX stated the payments are applied by a computer. Any over payment is applied to the principal, but does not advance my payment date. I kept explaining that is exactly what I do not want to happen. I want the payment date advanced, unless I tell someone to apply it to principal and not advance the payment date. 

I like to have a cushion in payments in case something unexpected occurs. They rob me of my ability to manage my finances in the way that best suits me. They take away my right to apply the extra payments as I wish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Account information incorrect

Complaint:
Once again the Fraudulent accounts are hindering my everyday life. 
The accounts are ..... 

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments. This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments. 
This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00}

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 2023-02-28
Company: PNC Bank N.A.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received a vehicle total loss & was sent a check for my vehicle. But the check was cashed at PNC Bank by a different party & since the middle of XXXX of 2022 I have been waiting for a response but havent gotten anything or at least any information on who cashed the check & what 2 forms of ID the person showed. 
The bank doesnt want to speak with me & only tell the insurance who sent the check that they are still investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I appear to be a victim of identity theft. Somone else has been taking money from my Wells Fargo Bank checking account in Florida. The bank eventually gives me my money back but in the meantime the account has been locked to me. I can not use the ATM machines and I must go to the bank in person to get money out of my account. There was a hurricane in Florida several months ago and since my house is unlivable I have left the area. I am currently visiting friends and relatives in New York and Massachusetts where there very few Wells Fargo Banks. There is also an issue with my Wells Fargo credit card which may also be used. Please help. I do not have a lot of information as I left Florida without any information on my banking problems.

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 2022-02-16
Company: BANK OF THE WEST
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Failure to MOV, Fair Credit Reporting Act Request under XXXX ( XXXX ) ( XXXX ), for the items listed below within the time set forth by law .... 

Bank Of The West XXXX Open Date XX/XX/2019 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