BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX Wells Fargo banks in XXXX SC rolled on me. 
The XXXX XXXX gat me for {$200000.00} whch was a Wells Fargo check ... non cashier 's check I believe. The check was made out to me from a XXXX winner who donated the check to me out of benevolence... I was selected to win the donation thru an email ballot he had. 
The fundz were diverted by an unscrupulous bank employee at the XXXX XXXX n then she told me to try cashing it at a check cashing store after she alrd cashed the check leaving sequence nos. on the bk of the check. 

The othr branch in XXXX SC rolled on my substitute checks n image cash letters of the amnt of {$7200.00} roughly ... she told me to have a seat whl she verifies the checks n then in came a guy who left the bank with all {$7200.00} in an envelope in his hndz... the wad of cash was XXXX in the envelope n I saw this with my own I 's. This bank was predominantly XXXX n the guy who left with my cash was also XXXX n most likely someone she knew outsd the branch. 


So altogether I lssd {$200000.00} bc of Wells Fargo fraudulent activity within those XXXX branches ... the first time in XX/XX/2022 n the XXXX tme in XX/XX/2022.

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 2021-05-12
Company: EQUIFAX, INC.
State: OH
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:
On XXXX 2021 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
Company: AMERICAN EXPRESS COMPANY
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 have contacted this company and followed protocol for this account being compromised by a burglary/Identity theft several times and company failed to correspond to my concerns and has my identity and filed a police report and company still damage my credit by reporting inaccurate information. I want the information deleted from my credit report immELETEediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This would be my 5th follow up letter, demanding XXXX and TransUnion to DELETE these accounts immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX  These arent mine and I dont owe them any payment. They both showed 2 different information in terms of Date Opened and Last Active. The information was incoherent, incorrect and inaccurate to me. Kindly delete them on my credit report now!

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 2023-10-07
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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This capital one account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. Capital one XXXX shows multiple times on credit reports as negative and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: GA
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:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late.

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 2020-10-20
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 do not recognize these accounts on my credit report.may belong to someone else.

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 2023-06-15
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:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and Experian and have noted following discrepancies : XXXX XXXXXXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX  Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXXXXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX  Inq date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, Experian and XXXX and have noted following discrepancies above.

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 2022-11-14
Company: RAB, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I obtained a commission advance from XXXX XXXX for the property at XXXX XXXX XXXX XXXX. in XXXX. I borrowed {$4600.00} and the amount due at closing was {$6800.00}. 

The property closed on XXXXthe buyer 's broker received the buyer as a lead from XXXX and XXXX was due a referral commission in the amount of {$4000.00}. 
It was XXXX 's responsibility to send their invoice to the title company, the closer I am assuming was confused and sent XXXX XXXX commission to XXXX. 
XXXX contacted me and told me they didn't receive their full balance and I owed them an additional {$2800.00}, which I sent to them on XX/XX/XXXX. 

I can't be certain about the chain of events as this was 4 years ago and a lot has happened in our world since that time. 
At some point XXXX, I can only assume sent their payment back to the title company and I was now responsible for paying the balance to them when the closer at the title company made the original error by not paying both XXXX and XXXX. 

I paid XXXX  XXXX {$2800.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$1000.00} and XX/XX/XXXX {$1500.00} to RAB , Inc collecting on behalf of XXXX 

Since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  has been contacting myself, my broker, my co-workers and the owner of the company I am now with, XXXX XXXX. 
The original company XXXX XXXX has since been dissolved.. 

On XX/XX/XXXX XXXX stated I owed XXXX  {$4700.00}, I paid them {$1500.00} that day and they received it XX/XX/XXXX, on XX/XX/XXXX, she stated I owed {$5300.00}. 

She has false statements and is striving to collect the wrong amount, she has also threatened myself and my current firm. 
XXXX XXXX has shared information improperly and threatened to take negative legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
THIS IS NOT THE SAME THIS IS NOT A DUPLICATE I have reported fraud and identity theft since XXXX/XXXX. 
I reported fraud and identity theft in person to XXXX XXXX XXXX XXXX  XXXX va the manager XXXX. 
I have over XXXX XXXX dollars that has been illegally stored and transferred via Ebankibg unknown identity thief. 
XXXX bank if America regulatory supervisor after intense fraud research thru my complaint her letter dated XX/XX/XXXX states CLEARLY MS XXXX I DO NOT SHOW ANY OVERDRAFTS ON YOUR dole account of XXXX. I recently obtained bank of americaiXXXX dole accounts that prove that was a false statement by my financial institution that should be protecting my monies and personal information from being combined with other persons/ entity. attached are screenshots of the XXXX XXXX XXXX overdraft. Of {$35.00} and then I was charged {$35.00}. 
So again bank of America who had XXXX  access to my sole account of XXXX XXXX XXXX from XXXX thru present date. 
Also identify the bank of America addresses of my sole account that bank of America put on my monies Opening thru XXXX XXXX XXXX XXXX Florida   XXXX XXXX deleware I am requesting the authorization documents if who put me on these business type EBANKING accounts with my deposits of over 100 thousand dollars plus transferred monies ( without my knowledge  or permission ) that was fraudulently used tampered with transferred and someone running thru fraud unauthorized check cards which I did not have any debit cards as per summeralls letter until late 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address the apparent violation of the Fair Credit Reporting Act ( FCRA ) regarding unauthorized hard inquiries on my TRANSUNION credit report. Under the FCRA, 15U.S.C. 1681 Section 602 A, I am unequivocally granted the right to privacy, which includes safeguarding my credit information from unwarranted inquiries. Moreover,15 U.S.C. 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions, leaving no room for doubt that these inquiries should not have occurred without my explicit consent. The following unauthorized hard inquiries were made.JXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I insist that the CFPB thoroughly investigate these clear violations and take immediate and definitive action to remove these unauthorized hard inquiries from my TransUnion credit report. Such steps are imperative to uphold the FCRA and protect my fundamental right to privacy. Your swift and decisive intervention in resolving this matter is expected and appreciated. I have also attached documentation to this statement

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 2023-03-13
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX sent letters to Experian, XXXX XXXX XXXX disputing 6 Accounts they state were in collection but had actually been charged off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.

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 2023-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to submit an urgent complaint against the credit bureaus, specifically XXXX, EXPERIAN for their persistent failure to conduct due diligence in properly investigating a negative collection item XXXX XXXX XXXX  # XXXX on my credit report. Despite my continuous efforts to dispute the inaccuracies and their impact on my creditworthiness, the credit bureaus have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial and emotional distress. 

I initially raised my concerns and initiated the dispute process with the credit bureaus over a year ago, providing detailed explanations and supporting documentation regarding the inaccuracies in the negative collection item. However, despite numerous attempts to rectify the situation, the credit bureaus have continually failed to conduct a proper investigation and provide the necessary documents to address the matter adequately. 

This extended and unresolved dispute process has had severe financial and emotional repercussions for me. Due to the credit bureaus ' inaction, my creditworthiness has been unjustly impacted, resulting in denied credit opportunities, higher interest rates, and limited financial options. Moreover, the prolonged dispute resolution process has caused significant stress, anxiety, and frustration, as I continue to face the consequences of the credit bureaus ' failure to fulfill their legal obligations. 

I firmly believe that the credit bureaus ' persistent non-compliance with the FCRA has directly violated my federally protected rights. Specifically, they have breached the following provisions of the FCRA :

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 2022-10-25
Company: EQUIFAX, INC.
State: IN
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
Chexsystems won't remove me from the report. They keep saying is the different credit agancies but they keep reporting me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased several Gift cards for clients directly from Amexgiftcard.com I gave a card to XXXX XXXX for {$1000.00} He went to the movies and used it very little. Suddenly it was denied at a supermarket. 
He called Amex ( spent forever on hold ), they told him the card had been hacked and XXXX charges for XXXX had been made. He told them he did not use the card and they said to take it up with the merchant that accepted the card. XXXX charge was in NY and the other in Texas. Amex said there was nothing they could do and to XXXX the merchants and take it up with them. Clearly fraud was involved and the gift card holder had no recourse. The card had been cloned. 
They said read the fine print on the user agreement. Their website says use with confidence but has nothing on their site about fraud charges. It just seems unjust as the gift card holder has no recourse against anyone The gift card # is XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief