BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: U.S. BANCORP
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX monitoring revealed that US Bank had opened an account for us. We have no relationship with US Bank, and XXXX told us to call them. When we did we were brushed aside as needing to call their fraud department. The representative, supposedly a " banker '', refused to take our information and phone number and have someone contact us. 

When we called a local phone # for US Bank in XXXX VA, we were told by a XXXX XXXX there to " XXXX for fraud contact information for US Bank '', that she evidently would not lift a finger to help. 

I will attach a file of the notification from XXXX, below.

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 2022-03-13
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Dealer Services placed a hard inquiry on my credit report. I did not authorize this inquiry 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 2020-09-14
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2022-12-14
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving NEW letters of a debt that has been resolved and or discharged ( see complaint XXXX CFPB ) This original debt was caused by insurance not billed, this company XXXX XXXX XXXX XXXX XXXX has closed their doors years ago, there are no invoices, billings that XXXX XXXX XXXX XXXX can provide me to prove otherwise as indicated by the many phone calls placed to them with customer service and supervisors assistance. They keep sending me these letters and have placed this debt on my credit report AGAIN.. they just keep selling this to debt collections and these people will not reason or send documentation of this debt whatsoever. The last company was XXXX XXXX XXXX. and they were contacted by you to close and or comply and they closed their file and removed it from my credit bureau. They call me non stop and this needs to AGAIN stop please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was advised by XXXX that a collections account has been added for a utility account I never authorized. I have never lived in XXXX XXXX ever. I spoke with XXXX XXXX from Convergent Outsourcing who advised an account was opened up using my SSN and DOB for the property address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX for XXXX XXXX XXXX and the email address used to open the account XXXXThe amount of the debt is now at XXXX XXXXXXXXConvergent account number is XXXX. 

Credit Agencies have been advised and my credit is now frozen and a fraud alert is now on all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2022 i was XXXX  and taken to XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet with my bank card my cell phone and other personal affects were left behind when XXXX XXXX XXXX because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well someone ended up getting there hands on my wallet and my phone and was able to use both to access my account and make charges and withdraws from it while i was in XXXX. upon my XXXX on XX/XX/2022 i noticed that my items were missing from my stuff and immediately checked my bank and saw that there was transactions made while i was XXXX i immediately notified chime of these transactions, they issued me a new card and started a dispute for the unauthorized transactions. a few days later i was informed that there dispute team denied my claim stating that no error occurred. so i filed a rebuttal which is the only course of action they allow u to take in these numerous rebuttals i've filed i've sent documentation supporting that i was in jail and couldn't have made those transactions just to be denied time and time again i asked why i was denied and they sent me a very confusing email stating the reasons all i got out of it was that they believe that the person/persons who used my card had insider knowledge of my account. but when i told them that my cellphone was in someones possession up until recently and they could have gained access to all my banking information that way they didn't care. i had my XXXX XXXXXXXX write them a letter confirming i was in XXXX  for the period of time in question which also did nothing. so from XX/XX/2022 till XX/XX/2022 any transaction was fraudulent the amount of all the transactions totals {$430.00} and some change and was all the money i had from working which was deposited during that time frame. todate they are still denying my dispute i've sent them every piece of document unredacted with my personal private information information in hopes that they would see that everything i say is the truth. all i got in out of that was there attempt to stop me from filing a rebuttal on the fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company 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 2023-06-16
Company: EQUIFAX, INC.
State: IL
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:
I am reaching out to address the presence of fraudulent personal information and unauthorized inquiries associated with my identity. It has come to my attention that certain accounts and transactions have been falsely attributed to me without my consent or knowledge, causing significant distress and concern. I have taken immediate action to report this incident as I am a victim of identity theft. 

I emphasize the importance of rectifying this situation promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide any necessary evidence and, if required, pursue legal recourse to safeguard my rights and seek appropriate compensation. 

I greatly appreciate your prompt attention to this matter and the resolution of this unfortunate situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 records 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 accounts. 


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 2022-11-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, a buyer wanted to buy my set of wheels I was selling ( {$2200.00} ). The buyer then asked for my email to send the money. Once he said that he sent the money, he was told that my account needed to be upgraded into a business account so he paid an additional {$500.00}. I was then told to send him {$500.00} back in order to release the money that XXXX was holding, so I did. Then i was told to send another {$500.00} to release the money. After all that I tried to reach out to them but I think they may have blocked 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 2023-11-20
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 2023-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following companies are NOT following FDCPA, FCRA, TILA laws and not Metro2 compliant, these laws were created to protect consumer rights, therefore they are violating my consumer rights, I have illustrated in my disputes the inaccuracy of the reporting and the false and misleading information that each company is reporting, these companies are using stall tactics claiming I am not sending them the needed information but Iam and sent my letters notarized, i am asking for your help in this matter, thank 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: PA
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:
On XXXX XXXX i checked all three of my credit reports and discovered that in XX/XX/2022 my old roommate opened a credit line from XXXX XXXX Bank for {$2000.00} and charged {$2500.00} on it in total. I did not open this account and am reporting this fraud. I have reported this to the Federal Trade Commision report number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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:
this is my 2nd attempt I am interested in processing disputes with Equifax to clear my credit report with the inaccurate information That it is showing. please delete an remove the items listed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor : XXXX - CARD SERVICE XXXX PLEASE DELETE!!! 
XXXX  - CARD SERVICE XXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.

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 2023-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

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 reportsno consent is fraud. 

XXXX - CARD SERVICE XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following companies are NOT following FDCPA, FCRA, TILA laws and not Metro2 compliant, these laws were created to protect consumer rights, therefore they are violating my consumer rights, I have illustrated in my disputes the inaccuracy of the reporting and the false and misleading information that each company is reporting, these companies are using stall tactics claiming I am not sending them the needed information but Iam and sent my letters notarized, i am asking for your help in this matter, thank 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 non-monetary relief
Consumer complaint received 2023-11-20
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:
This is the multiple times I've mentioned being a victim of identity theft. You must remove/block any inquiries that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
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 2023-09-28
Company: EQUIFAX, INC.
State: CA
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My son received a gift card ( VISA ) issued by XXXX. 

Cardholder services and balance inquiries are directed to XXXX After MULTIPLE attemps to access the balance online to find out what was wrong, it was discovered that this card was fraudulently intercepted and used in a foregin transaction. 

Despite this card being in our possession the entire time. My son is out {$25.00}, and this company will do nothing about it. Simply stating that this can not be referred to the fraud department because 60 days was exceeded. 

My son was saving this for later purchase. We had no way to know it was fraudulently used by a bad actor. The card was in our posession and protected at all times. 

RE : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has had 2 of my paid up credit cards closed out and had one 's credit limit slashed by 90 % by reporting issues all caused by Covid19 and/or wildfires to the banks. My issues are temporary and 100 % caused by pandemic and fire. Then they sell my info to these fraudulent companies hassling me to let them settle my debt. It is XXXX to use this tragedy to punish 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