BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
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 a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : XXXX {$650.00} XX/XX/2023 XX/XX/2023 Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Informatio

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Information belongs to someone else

Complaint:
Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$680.00} written off.

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 2022-11-23
Company: EQUIFAX, INC.
State: GA
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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, In accordance with the Fair Credit Reporting act XXXX Account # 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX  XX/XX/2022 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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
See the attached documents.

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 2023-04-04
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I sold my house to pay for XXXX school and received XXXX in escrow from title. I was told at the end of my process the final payout was XXXX total with XXXX going towards my new house. I got XXXX and 8 days later I am being asked for XXXX back because title over paid me and made a mistake. I applied ALL the funds towards my XXXX school and am being harassed to pay the money or they will be withdrawing my entire XXXX that was paid. I have no idea how I am at fault for this and why Im being asked for money that I was told was mine 8 days after my money was given to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I attempted to purchased clothing from XXXX XXXX XXXX, located on XXXX XXXX XXXX / XXXX XXXX, Florida for a total of {$4800.00} a while back ( don't have receipt ), because I was in XXXX XXXXXXXX, shortly after this transaction occurred & my belongings ( to include my wallet ) were misplaced & subsequently lost. I paid with Wells Fargo Debit card. I contacted Wells Fargo regarding this transaction and was told by Wells Fargo, merchandise / items I purchased were being sent to me. I have never received anything from this merchant and requested reimbursement of {$4800.00}. Please review your records> Thank you for prompt attention to the matter. 

Thanks ; 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 2023-12-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Since XX/XX/2022 Ive been trying to resolve a mismanagement of my mortgage with Well Fargo with no avail to the point of now attorney involvement. When I call the settlement number XXXX their response is they will call me. Since XXXX no call and several calls to the same number ends with the same brushing off answerWe will call you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I received an email titled " security alert '' saying that someone used my Paypal account, and I have a balance to be paid. My PayPal account has been frozen for four years, as I am paying it off. The email came from ; XXXX. My social security identity has been stolen, I discovered recently. I don't know if this is related, but this is just an fyi. They are attempting to get me to pay for XXXX XXXX XXXX in the amount of XXXX. This may be an attempt to get me to open an attachment sent with the email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THAT SHOULD HAVE FELL OFF OR BEEN REMOVED. WHEN I CONTACTED EXPERIAN ABOUT THE LAWS FOR REMOVING THE ITEMS FROM 7 YEARS AGO THEY REFUSED TO ELIMINATE THOSE ITEMS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-06-16
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:
I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Transunion about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the hard inquiries that don't have no purpose to be 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 2023-02-23
Company: Experian Information Solutions 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 have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This information appears on my credit report, attempted to reach out to the company to request information, regarding this account. But instead my personal information was shared with another customer. I'm disputing those charges, because I was denied treatment,. This company has made calls and emails to friends, and family members unauthorized. Made numerous calls without identifying themselves as a debt- collector company. I have attempted to reach out to supervisor at the company, to file complaints concerning their actions, but my concern and complaints was dismissed. Therefore, I m going outside the box to draw attention to Capital Accounts, negligence on sharing my information, as well as violating my rights, refusing to provide me with Information regarding this account. 

Please look into this matters, as a consumer XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to Experian to update my personal information and they responded me that they are refusing to do it. I was the one who did the dispute yet they still refused to do it. I will attach a screen shot of what they responded. I need my personal information to be accurate in my credit report and they refuse to update them That is not even legal!

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 2023-07-13
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-09-20
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im currently a new Wells Fargo customer upon me signing up deposited XXXX a day later which I believe was XX/XX/11 I still didnt even have my card it was in the mail if someone was able to withdraw all of my cash and I found this absurd due to the fact that I still didnt have my card or didnt at the moment did the transaction to please? I reported it they looked into it and I still havent received anything back. I just got my new card yesterday and activated it but now upon me trying to log into the XXXX they dont allow me to look at my account, so what do I do about my {$300.00} thats missing

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 2023-05-18
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX riding lawnmower from our local XXXX 's. I charged it on my XXXX 's ( SYNCHRONY ) credit card. They have a Promotion that if you spend more than {$2000.00} you can charge it at a fixed rate at a lower interest rate. I charged {$2900.00} fixed pay for 60 months. I recently looked on their website and it shows I still owe {$2100.00} that I've been paying for more than XXXX years. That's only {$850.00} towards a fixed loan. Something is fishy going on. I contacted XXXX 's XXXX and all I got was excuses. I'm not disputing what we owe XXXX 's because I don't know because you can't get all the statements from XXXX. 

Another fixed XXXX months in XXXX for {$2000.00} and the current balance is {$1100.00} so {$840.00} has gone toward that one. 

The first thing that gets paid when we get paid is our debts. XXXX 's is on Autopay. There is no excuse for this. A fixed loan is a fixed loan. Come XXXX if that Lawnmower is not paid off I will be taking legal action.

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 2023-07-20
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist bank is NOT reporting the information accurately to the different bureaus. Truist has NOT followed reasonable procedures to assure maximum possible accuracy of the information concerning my credit report. How can they report inaccurate information and different information to each bureau? 

Truist bank did not process the payments as set up on their bank platform. The problems with their banking platform were on the banks end. It was bank error. Truist did not process payments in a timely manner after XXXX. I had to resolve the issue over and over again. I have never had a problem like this before with a bank! 

Please remove the information from my credit report. 

I am very upset.This was bank error. The information is not being reported accurately. 

I have tried talking with Truist to resolve the problem and the bank has been rude and unhelpful. 

Please remove the information being reported to the bureaus.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX altered my Nj state drivers license XXXX XXXX Stole my SS Card XXXX XXXX XXXX I cd XXXX and went to police station they stated they have the body cam footage of her stealing my DL. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj The FBI is aware of this incident and refused to arrest XXXX XXXX XXXX today for using my DL and XXXX XXXX card, XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX credit card XXXX XXXX credit card XXXX credit card XXXX credit card XXXX XXXX account she walked into the branch in XXXX XXXX XXXX {$20000.00} ( {$5000.00} a week she withdrew from my account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} for equipment modem cable boxes home landline phone XXXXXXXX XXXX phone {$1000.00}

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 explanation
Consumer complaint received 2023-04-07
Company: ONLINE Information Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ONLINE Information Services claims to be a debt collector and tried to collect money under the use of XXXX XXXX XXXX. When we contacted XXXX XXXX XXXX, they told us that they were not involved with them.

Company response to consumer: Closed with non-monetary relief