BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: TN
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a, a creditor may not treat a payment on a credit card account under an open end plan as late for any purpose.

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 2023-11-14
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i decided to go to XXXX XXXX shop in XXXX XXXX  for an issue i had with my car overheating. they held my car there for 2 weeks, and when i got my car back i had to pay XXXX dollars out of pocket and my dad paid XXXX with a total of XXXX in payment. leaving the lot i realized my car not only was overheating still, but my engine light turned on along with the AC not working. i tried calling back they answered and when they said theyd call me back they never did. they arent trying to give me a refund and when i called discover to dispute this, they proceeded to tell me time and time again they couldnt help me because service was provided but it wasnt. because my car isnt fixed and they wont give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX # XXXX is reporting a balance on a closed account XXXX XXXX XXXX # XXXX was paid in full and show as charged off 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 2023-02-04
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
EXPLANATION : I've Had this fraudulent account added XX/XX/2021 without my consent. 
I went into XXXX XXXX to switch phone carriers while I was still connected with XXXXXXXX and was denied since my phone was still locked. The XXXX XXXX asked me to write down my information, so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX & XXXX XXXX XXXX, Etc... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, meanwhile I have NEVER missed a payment with my newly opened XXXX account so I was confused ... i also NEVER received any document or phone call saying owe XXXX anything... So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. They told me it must be a misunderstanding and they removed it off the credit bureaus but it was still on my EXPERIAN credit file. I end up calling XXXX a month later and we ended up finding out the first XXXX franchise i went to where the EMPLOYEE asked me to write down my information on a STICKY NOTE ended up fraudulent opening an account with my information and sent it to the Debt Collectors!! THERE IS NO OFFICIAL DOCUMENTS WITH MY SIGNATURE ALLOWING ME TO OPEN THAT ACCOUNT. 
XXXX told me the only thing i can do is pay off the balance ( {$120.00} ) to get it resolved since they couldn't remove it from every credit bureau so i did that ... Next thing you know it turned into a closed account, this has Humongously effected my credit, I have never missed a payment and it posted as i missed ALL my payments.. it dropped my credit score almost 50 POINTS!!! I NEVER gave XXXX authorization to open that account nor was i sent any documents or contacted about that account since it was " opened '' they NEVER had my official information!! NO address or NO number just my SSN. I've tried to dispute on Experian & XXXX XXXX and it kept coming back accurate! i just want this account OFFICIALLY removed since it was fraudulent opened.. The company can not provide proof i opened this account, and have violently prohibited my rights!! i even provided proof in the evidence box of XXXX saying the account was mistakenly opened.

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 2023-12-10
Company: EQUIFAX, INC.
State: NY
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:
It is illegal for XXXX XXXX XXXX XXXX to report income on a credit file. Per IRS Publication 4681. 

XXXX XXXX XXXX XXXX Is reporting illegal transaction and experiences between the consumer and person making the report Per 15 U.S.C 1681a ( 2 ) ( A ) ( i ) transactions and experiences should be excluded. 

XXXX XXXX XXXX XXXX Is in violation of the Privacy Act Of 1974 5 U.S.C 522a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Bright Capital Inc
State: TX
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
i was told a membership fee was like XXXX a month. but yesterday, they took out XXXX out of my account at one time. and said it was for 3 months. i have cancelled my membership fee, and if you cancel within 30 days they are suppose to refund any money they took. and i did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I needed to dispute a credit card transaction for services not ad described and/or services not delivered. The original transaction date was on XX/XX/XXXX in the amount of {$6000.00}. The date which I learned the services were not as described and/or not delivered was on XX/XX/XXXX. I contacted my financial institution USAA to dispute the transaction and was told they generally can not dispute transactions beyond 60 days but would do so if I submitted my request in writing. I submitted my dispute request in writing as instructed, and was informed that they would not proceed further due to the transaction elapsing 60 days, which contradicts entirely how they advised me initially. I asked for clarification into why this was the response given and was furnished no credible information. Doing my own research, I discovered via VISA ( credit card ) guidelines that the time limit is 540 days. Per VISA literature : The issuer can pursue a dispute as the original services were not rendered using Dispute Condition 13.1 Merchandise/Services Not Received. The time frame would be 120 days from the expected services ( not to exceed 540 days from the transaction processing date ). USAA refuses to acknowledge the terms and services of VISA as the issuer, refuses to issue a dispute despite clear guidance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted XXXX, XXXX and Transunion to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX collections company. Any account with XXXX was merged with XXXX, I currently have my plan with 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 2022-10-19
Company: Experian Information Solutions Inc.
State: IL
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:
Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks

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 2022-10-19
Company: EQUIFAX, INC.
State: IL
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:
Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I believe that Wells Fargo was showing that my account was at a negative balance when I, in fact, had money in my account. I also believe this lines up with the current legal action taken against Wells Fargo in regards to their unethical banking practices

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 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 Capital One claims i made a deposit not in my name which triggered a fraud investigation into my account. The deposit was from XXXX and the USERNAME was not real name but the information used to verify that account was all of my real information. My account was closed on the XXXX of XX/XX/2022. However the account did not actually get closed out until XX/XX/XXXX. It is now XX/XX/XXXX, I have received a check for the interest payment of {$1.00} from my deposit of {$2000.00}. However there is no information or contact from the insitution on when I will receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: FIRST ADVANTAGE CORPORATION
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:
XXXX XXXX XXXX charge me for ending my lease early. Date move in was XX/XX/XXXX XX/XX/XXXX I gave my 30 days notice on XX/XX/XXXX. My expires date was XX/XX/XXXX. I left on a emergency situation. Property Manager kept my security deposit and charge me {$820.00} and put my name on, XXXX XXXX XXXX XXXX. I have made payment and ask for a letter. I have been getting the play voice over the phone for one year. Every time I apply for an apartment I get turn down I am on subsidized housing and my credit score shouldn't have anything to do with my past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is the company and they are a rip off they to high I was struggling with my bills I got behind the call and mail me constant I told them when I get money I will call them and I will they closed on Saturday and Sunday so monday the XXXX XXXX XXXX I'm set a arrangement up with them hopefully they leave me alone then. The call send mail to house like twice week it frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: World Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Earlier this morning I received the phone call notifying me that I owe them from a debt that they bought from a personal loan company. I notified then that I do not have the money to pay and have no means to do so, I told them to put me on the Do Not Call List and they notified me that they would still contact me and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
XXXX XXXX XXXX XXXX AMOUNT {$25000.00} I HAVE BEEN TRYING TO CONTACT THIS COMPANY BUT THEY HAVE NOT RESPONDING TO MY CALLS.

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 2023-10-25
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-07-17
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
AMEX made an unauthorized credit inquiry that was listed my XXXX  report on XX/XX/XXXX. I have written to Amex on XX/XX/XXXX requesting documentation proving this authorized inquiry ( sent via certified mail ). AMEX responded XXXX on XX/XX/XXXX ) to the first letter claiming to have had " permissible purpose '' while totally disregarding my request to be shown proof of my authorization. I have since sent another letter ( via certified mail XXXX on XX/XX/XXXX again requesting the verification method and evidence to my authorization and I've yet to receive either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S. code 1681 Section 602 states i have the right to privacy.

15 U.S. code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S. code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Trojan Professional Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, TROJAN PROFESSIONAL SE XXXX Date Opened XX/XX/2018 Balance : $ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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'm reaching out to highlight the erroneous personal information linked to my identity. Several accounts and transactions, which I neither initiated nor authorized, have been incorrectly associated with me, leading to considerable distress. I've fallen prey to identity theft and have promptly reported this incident. This situation has adversely affected my financial health and personal reputation. I urge your immediate assistance in removing all incorrect entries from my credit report and launching a comprehensive investigation. I stand ready to furnish any required proof and, if necessary, pursue legal avenues to defend my rights and obtain due compensation. I truly appreciate your swift attention to this pressing 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 reports no consent is fraud.

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