BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8200.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Why is it that when I use a credit card my credit is affected IMMEDIATELY. But when I pay off a credit card it's NOT reported IMMEDIATELY? 

That is wrong and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX  XX/XX/2021

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 2021-01-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and a fraudulent credit card was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and synchrony system

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer 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 Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: CA
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:
account incorrect Last Payment made, also incorrect balance amount I request to remove this account from my credit report. experian credit bureau does Not help me to solve this problem I called experian credit bureau more than 5 times without clear explanation from customer services representative about wrong balance and last wrong payment made, experian credit bureau does not corporate with 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 non-monetary relief
Consumer complaint received 2019-04-26
Company: WELLS FARGO & COMPANY
State: TN
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:
Wells Fargo mismanaged my Home Mortgage and Home Equity Line of Credit from the time the my accounts were acquired from XXXX XXXX, whom I originally open the accounts with. This mismanagement caused my accounts to be incorrectly reported to the Credit Bureau causing my credit score to be  affected severely. Ive always had excellent credit and was never late with my bills. 
I had one mortgage and one equity line of credit. Wells Fargo reported four equity line accounts and one home mortgage account to the credit bureau in my name. 
Wells Fargo also reported I was late 30 times in one year, because of allocation issues with my payments. 
Ive disputed these issues with the credit bureaus and Wells Fargo and they insisted their system reported the late payments correctly. 
When I sold the home in 2018 and paid off the balances of the mortgage $ XXXX and the equity line $ XXXX, Wells Fargo was still reporting I had one line of equity in my name still open, and after my dispute again with the bureaus, they corrected it. 
I inquired with Wells Fargo why my balance for the equity line was never changing, and I was informed it was an interest only loan. I explained it was never an interest only loan with XXXX, why is it now an interest only loan. For more than 10 years Ive been paying interest only on a $ XXXX line of credit. Unknown to me Wells Fargo changed the agreement after acquiring my accounts from XXXX and told me I signed papers agreeing to the interest only account, which I know I would never have done. I figured out Wells Fargo might have sent me a document after acquiring my accounts to sign informing me they were now handling the accounts, but did not inform of any changes they were making to my accounts. I would assume they were doing the right thing by me the customer. 
It was way too much for me to keep up with what was going on with these accounts. 
If will furnish on your request the five account numbers that were reported to the bureaus. 
Now that I have paid of my loans, it will be very difficult to get a mortgage with all of those discrepancies on my report. 
Ive had difficulty finding a decent job because of my credit history I am sure. I have an XXXX and can not find a job. 
This is all very stressful.

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: 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:
I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-11
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account with citi bank. They closed my account with XXXX still in it. I waited patiently for my check in the mail and never received it or info on why my account was closed. Called them several times and they told me I wouldnt be getting a check my accounts closed they are no longer servicing my account so basically stole my XXXX dollars from me. I can prove where the money came from and my bank account that transferred it over into the citi account. I will have attached a pictures of my deposit from my work for XXXX proving my income. And the direct debit from my XXXX  account for 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 2021-01-20
Company: Mountain Run Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
the compay name is monotronics alarm security, i was another company & it was with 2 other companies, this acct is still being sold & keep on being added to my acct. the acct. was recently & then with XXXX XXXX!! WICH WAS DISMISSED & NOW IT IS SOLD AGAIN because it stayed on my credit report for XXXX now they found another company MOUNTAIN RUN IN XXXX UT.I have been contacted by this company I DID NOT KNOW that could keep trying to sue me this many times from a company after selling this account so many times & was classified as a write off!!! each company is adding on thier charges!!! & trying to me i am a widow on a fix income from my husband, i also have XXXX grand kids i have no excess money!!! anymore information needed contact XXXX  CONSUMER XXXX CALL THEM FIRST & NO ACTIONS WAS TAKEN I DO NOT THINK THIS FAIR!!!! IAM NOT A RICH PERSON!!! 
MY ACCT. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX PH XXXX I NEED THIS TAKEN OFF OF MY CREDIT REP0RT MY HUSBAND HAS BEEN DECEASED FOR OVER 10 YRS I HAVE TO DO EVERY THING ALONG THANK - YOU XXXX XXXX XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act DEPTEDXXXX Account # 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 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 explanation
Consumer complaint received 2021-01-20
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX, XXXX XXXX XXXX and their debt collector Rausch Sturm are using threats of a lawsuit to attempt to collect a debt that is not owed. They are doing this in violation of the FDCPA. They know that they can not prove that I owe the debt in court, because it was the product of identity theft so they are using a threat of legal action in order to try to fraudulently collect on a debt that I do not owe. They should be fined under the FDCPA and now that President Biden has been sworn in, I would expect that the CFPB will start actually doing its job again which means bringing lawsuits against these rogue debt collectors that were allowed to flourish over the last four years. 

The XXXX credit card that they are trying to collect on was paid in full about four or five years ago. I actually took out a HELOC and consolidated credit card debt. The account ( along with a few others ) was reactivated and used by an identity thief. XXXX, XXXX, XXXX XXXX XXXX and Rausch Sturm have all been supplied with the police reports and the FTC reports. YET they continue to try to fraudulently collect on this debt in violation of the FDCPA. I understand that the former chair of XXXX was a close friend of the former President, Donald Trump, and that may be why CFPB never did anything about this before -- but now, we have a new President who is upholding the laws, so I would like the FDCPA enforced in this matter and in ALL accounts that XXXX if fraudulently trying to collect on.

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 2022-09-12
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Tried to cancel before they tried charging me and they refuse to and kept asking to freeze my account and was put in a uncomfortable situation to say no and felt force to keep the membership

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: USCB, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019, and while insured by XXXX XXXX in XXXX California, I visited Maryland ( where I have now moved ) for several months and received medical attention from a XXXX XXXX XXXX injury here. 

Before receiving the medical attention, I contacted a XXXX representative in California who advised me that any medical services that I received in the XXXX / Maryland / Virginia area would be covered by my XXXX plan in California, provided that I received the attention at XXXX XXXX. 

I was further told that medical services received from non-XXXX facilities may be covered as well but in more limited circumstances, so I made sure to only receive care in XXXX owned and operated facilities. 

When I later permanently moved to Maryland, I officially switched my coverage to XXXX XXXX. At no point was I without coverage, either by XXXX of XXXX California or XXXX XXXX. 

After several months of services from XXXX XXXX, I was informed that I owed out-of-pocket costs from the services previously rendered in the XXXX XXXX facilities while I was a member of XXXX XXXX California. 

I disputed the charges with XXXX 's internal dispute resolution services, and during the last call I had with them I was told that since their records confirmed that I was completely covered by a XXXX plan ( whether XXXX California or XXXX ) at all times, I would not be responsible for any out-of-pocket charges and they would be resolved internally. 

I believed that the matter was resolved until I received a letter yesterday from USCB America, informing me that they are attempting to recover a debt of {$2800.00} owed by me to XXXX XXXX XXXX. I ran my free credit report and this has in fact been reported and my credit score has been significantly lowered as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We went through an investigation with Wells Fargo several months ago. Unfortunately the thorough investigation only began after the CFPB became involved. After a month long investigation in a XXXX scam, Wells Fargo stated that they could not return our money because it was authorized by the customer. 
Our biggest concerns about this entire situation were that Wells Fargo never warned/informed us as customers about the ongoing incidents with the XXXX scam , that had been taking place throughout the country for over 9 months. They began their XXXX Scam Campaign 2 weeks after we were scammed. 
Our other primary concern is regarding their reading for not returning our money, again stating that it was authorized by this customer. How can something be authorized when it is a scam? I did not authorize someone to steal {$3500.00} from our accounts. I would never authorize someone to take {$3500.00} from my familys savings account. 
The scammer called from a Wells Fargo number. 
When asking Wells Fargo about insurance that covers such fraudulent behaviors and scams, they stated that insurance covers frauds, not scams. 
Wells Fargo stated that they would also follow up with the bank that the money ended up going into to try to get our money back, and we have heard nothing from Wells Fargo since that time. 
We were never warned about the possibility of such a scam prior, though Wells Fargo was well aware of this and they did not protect us from this scam afterward.

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 2019-04-10
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter is regarding the so called second account which you claim I owe {$38.00} for The {$34.00} that I settled to pay to you all was for the so called second account that's {$38.00} that your company claimed I could pay and settle for {$34.00} on behalf of XXXX XXXX XXXX. This is the reason you all received my information in the first place on behalf of the original creditor which is XXXX XXXX XXXX! This is a formal notice that your claim is disputed. I am requesting validation, made  pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you for this account. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). I'm sick of going back and forth with you all this is ridiculous! First you claim I had no account, then you couldn't find it, then I paid it, now there is a second account ... ..I smell Fraud!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation