BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

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 2023-10-20
Company: EQUIFAX, 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:
Subject : Urgent Action Required : Fraudulent Charges on XXXX  XXXX XXXX Account Due to Identity Theft I am writing to address a serious concern regarding fraudulent activities on my XXXX  XXXX XXXX account ending in XXXX. My identity was compromised, making me vulnerable to fraudulent charges that total an alarming {$18000.00} on the said account. 

The inclusion of this unauthorized account on my credit report has wreaked havoc on my credit score, causing undue stress and financial strain. While I am the victim of identity theft and fraud, I find myself facing the severe repercussions of these illicit actions. 

Despite my persistent efforts to rectify this situation, and successfully having other fraudulent accounts removed, this particular account remains a blemish on my credit report. This ongoing oversight continues to erode my creditworthiness, unfairly penalizing me for actions I did not commit. 

I implore you to conduct an expedited review of this matter and ensure the removal of this fraudulent account from my financial records. It is crucial that my credit report is an accurate reflection of my true financial behavior. 

Thank you for your immediate attention to this pressing issue. I trust in your commitment to fairness and anticipate a swift resolution. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Wallet Stolen XX/XX/2019 resulting in fraudulent inquiries for lines of credit using my information.

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 2023-05-23
Company: Southwest Credit Systems, L.P.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have spoke. With XXXX. I do not have a bill. They agreed. I call southwest collection and they know it is a fraud. Why isnt it taken off? It said derogatory which is not true. The collection agency said they would take it off. They did off of one credit bureau but not this one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NE
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted National Credit Adjusters about my XXXX XXXX account of {$1100.00} that was sent to collections. On XXXX XXXX i contacted NCA to settle out the account in the amount of {$680.00}. At that time i was told the account would be deleted or removed. Which it has not. I filed a dispute with XXXX and called and i keep getting call the collections, call XXXX I have a paid in full letter. But not deletion letter. Please help trying to purchase a home, and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I looked at my credit report and have inquiries on my credit report that i did not approve, authorized, or apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting 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 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
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 requesting validation of XXXX XXXX credit debt, with the acct number XXXX.As per my right granted by the FDCPA under section 809 ( b ). I dispute the validity of this debt and kindly request that Experian provide proper documentation and evidence to verify the following information : 1. The full details of the debt, including the originals creditors name, account number, and the amount owed.

2. A complete payment history, detailing all transactions and charges made to the account. 
3. Proof of a signed agreement or contract myself and XXXX XXXX, indicating my responsibility for the debt. 
4. Verification of statute of limitations for this type of debt in my state. Please provide the date of the last activity or payment made on this account.

5. Proof that your company carries a bond.

6. Proof of how your company assessed the outstanding debt.

7. Name and address of the original creditor.

8. Chain of title of this debt.

9. COPIES OF ALL LETTERS SENT TO ME FROM YOU AND FROM THE ORIGINALCREDITOR.

Your cooperation in providing the requested validation is necessary to ensure the accuracy and legitimacy of the debt in question. Failure to provide adequate verification within 30 days is a violation of the FDCPA.

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 2023-07-06
Company: EQUIFAX, 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:
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 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, 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 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-10-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hello! 

I've been with PayPal since 2003. On XX/XX/XXXX my attempts to transfer money to my bank account were declined, then on XX/XX/XXXX I received an email that my business was not " active '' and that I could no longer use PayPal " due to potential risk ''. Now PayPal is holding my entire balance of {$10000.00} USD for 180 days and has permanently banned me from using their service. 

I've tried to contact PayPal online and by phone and the only explanation they offer is " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I double checked my account activity and it is all normal. 

PayPal is an important service to me and my company and I want to continue using it to process payments. Of course I also want access to my money. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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:
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. 

Account Name : US DEPT ED Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS ACCOUNT HAS BEEN CLOSED & CHARGEDOFF FOR MONTHS NOW AND YOUR COMPANY STILL REPORTS THIS AS CURRENT WHICH IS NOT ONLY FALSE BUT IS ILLEGAL AND VIOLATES MULTIPLE RIGHTS UNDER FCRA. LISTED BELOW IS FCRA SS 623 WHICH EXPERIAN IS GOVERN BY STATES THESE LAWS AND THIS ACCOUNT VIOLATES MULTIPLE LAWS & CONSUMER RIGHTS LISTED BELOW. 

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 2021-01-08
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: Account status incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CITY NATIONAL BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently hold the bank 's Visa XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the Visa XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I discovered these changes on my own several days after they occurred ( the bank has not yet formally informed me ). I was advised by the bank that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2023-07-06
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: OR
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for any XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, I disconnected my XXXX  services in preparation to move to XXXX OR, which is not a service area for XXXX. They removed the early termination fee from my bill and credited the account. That left my account with a credit of XXXX. Once my final bill was printed the cancellation fee was added to back to my account along with other minor charges that were clearly AFTER my termination. 

This account has been turned over to a collection agency- it is not a valid charge and I should have received a credit BACK from XXXX. The balance on this account is simply due to the charge of the Early Termination. 
XXXX was also aware that I was moving to XXXX Oregon as they sent my final bill to my Oregon address as seen on the enclosed bill. 

XXXX has not been willing to help or rectify this bill. The collection agency changes every few months and no one is willing to help. I am not sure of where to even send this cry for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion on multiple occasion about the inaccurate reporting on item XX/XX/XXXX# XXXX. They conducted an investigation and on the included copy of their credit report they state the following concerning this account : Date open XX/XX/2014 ( which is inaccurate ), the balance is stated as XXXX ( which is inaccurate ), they also report that the close date was XX/XX/2014 ( this is inaccurate ) and lastly that account was included in bankruptcy ( again this inaccurate ). 

I included a copy of a document that I received from XX/XX/XXXX indicating the inaccuracy of the investigation conducted by Transunion.

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