BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: TN
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 received Experian email notification on XX/XX/XXXX stating this- Hi XXXX XXXX your dispute results are ready. Dispute results Your dispute report number XXXX results are ready for review. 
Problem - Experian is continuing to violate my consumer rights accordingly with FCRA rule 15 U.S. Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 USC 1681a ( D ) the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; Hard Inquiry - This is fraud. I didn't consent to this inquiry. 
On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2023-05-05
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2021-08-26
Company: WELLS FARGO & COMPANY
State: CA
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:
There were several charges on my Wells Fargo XXXX XXXX credit card that I did not initiate or authorize. I reported the charges to the bank as soon as I discovered them. Wells Fargo sent e a new card, and initiated an investigation. An investigator called me after I received the new card. The investigator asked if I was in possession of the card. I misunderstood the question. I thought the investigator was talking about the new card they sent so I answered yes. Because of this Wells Fargo denied my claim.

I have submitted documentation including a police report, supporting my claim. The charges were made on two consecutive days. Some an hour from my home, and two others more than 6 hours away. Wells Fargo continues to claim the charges appear to be authorized by me, but provide no further explanation as to why they believe I authorized these charges. The card was lost or stolen, and I was not in possession of the card when the charges were made.

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 2021-08-26
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
Loan originated XX/XX/XXXX and balance charged off was {$1700.00}. I would like to follow up on the dispute with this bank because the charge off on my account has been past 7 years already and still have not been removed from my report. They are saying that it is due to be removed XX/XX/XXXX but I believe it should have been removed a few months ago. I have already submitted a dispute but was rejected by Wells Fargo but I would like to request all of my statements for this account from XXXX so we can see when the true date of my last payment was so we can determine when the 7 years really hit

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 2023-04-04
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal account was hacked and 4 unauthorized transactions where made. I contacted PayPal I filed a complaint at XX/XX/2023 XXXX for 4 transactions made on XXXX Here are the details of the one or more transactions you didn't recognize or had issues with : Transaction ID : XXXX Transaction amount : {$27.00} USD Recipient email : XXXX Transaction ID : XXXX Transaction amount : {$27.00} USD Recipient email : XXXX Transaction ID : XXXX Transaction amount : {$27.00} USD Recipient email : XXXX Transaction ID : XXXX Transaction amount : {$27.00} USD Recipient email : XXXX Within 18 mins PayPal closed the case and would. It investigate further. 
A credit card that is not mine was added to the account as well

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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 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.

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 2021-08-25
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" FINANCIAL CREDIT NETWORK '' IS REPORTING A DEBT THAT I DO NOT OWE. I WAS IN AN ACCIDENT IN 2018 WHERE A CAR HIT ME AS I WAS WALKING. THE DEBT, TO MY KNOWLEDGE, IS FROM THE COST OF THE ABUMLANCE. THE DRIVER AT FAULT HAD INSURANCE AND WAS SUPPOSED TO PAY FOR ALL DAMAGAES/COST INVOLVED. I HAVE ATTACHED A COPY OF THE POLICE REPORT AS PROOF. PAGE 1 SHOWS THE DRIVER AT FAULT AND WHAT INSURANCE THEY HAD ( XXXX XXXX. THE 2ND TO LAST PAGE WILL EXPLAIN THAT THE DRIVER IS AT FAULT FROM POLICE OFFICERS. I HAVE ALSO ATTACHED A LETTER I RECEIVED FROM MY ATTORNEY DURING THE TIME. I WILL REACH OUT TO MY ATTORNEY AGAIN IF THIS ACCOUNT DOES NOT GET ERASED FROM MY CREDIT. PLEASE REMOVE THIS INACCURATE REPORTING AND DEBT THAT I DO NOT OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : SANTANDER CONSUMER USA Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: MO
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:
This account, dating back to XXXX, has been reflecting on my credit report for XXXX years, even though the full payment of {$1100.00} was made. Although XXXX  XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days. I want the account removed not updated.

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 2017-02-25
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I know i paid on the card when i had it and i believe the amount owed is wrong.

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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Kelsting Group, 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: Information belongs to someone else

Complaint:
On XX/XX/2018 XXXX added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Affirm 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:
My identity information ( residence from years ago ) was used to purchase a camera a few years ago and the entity that stole my identity info financed the camera through AFFIRM. The entity that stole my identity did not make loan payments to AFFIRM, so AFFIRM sent the account to collections and it showed up as a negative on my credit report. I spoke to AFFIRM earlier this year and after multiple conversations and my execution of an affidavit AFFIRM acknowledged that they had made a mistake ... .they indicated that my credit should not be negatively impacted ... ..despite what AFFIRM told me my Experian report still has the AFFIRM collection on it and my credit score is thus being negatively impacted. I am trying to get AFFIRM to reach out directly to Experian to let hem know that they ( AFFIRM ) made a mistake ... ... AFFIRM is giving me the run around and after three weeks of dealing with AFFIRM again ... .the AFFIRM item is still showing up on my credit report and negatively effecting my XXXX  credit score. Trying to refi my house right now and take advantage of good interest rates. Need for AFFIRM to coordinate with XXXX  ... this has been a NIGHTMARE!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian Credit Bureau is incorrectly publishing on their website that my XXXX mortgage payment for XX/XX/XXXX was 30 days late. 
Experian Credit Bureau is incorrectly publishing on their website that my XXXX mortgage payment for XX/XX/XXXX is missing and not applicable.

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 2022-06-12
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage company took over my account n foreclosed on my house they over charge me n had me pay escrow account which in my contract im only to make XXXX payments of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false accounts on my report. Inaccurate information is reporting on my credit report. This is a situation where the use of my credit profile was Unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: VA
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-06-12
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
With permanent XXXX arising, XXXX XXXX XXXX was paid in full nearly $ XXXX reconveyance in XXXX of 2018, just prior to daughter XXXX XXXX ' release from custody. Upon XXXX 's return there has been many discrepancies and even a protection order placed from herself at her permanent location. I have filed multiple complaints regarding this issue with entities such as the Department of real estate, FBI, OIG USPSIS, USPS, FTC, IRS, FTB, BOE, DMV and even the attorney general. With myself no longer being at the home occupation this has opened the windows for real estate fraud and all the while attempting to remove the residents of XXXX XXXX, there is harassment. like such today, I have no devices to use to report acts of stick up for oneself. I have recently reported the entities that i believe may have spyware on my servers which had provided and insight to my loan modification. daughter XXXX XXXX and escrow agent XXXX XXXX have some sort of conspiracy to commit murder and are under investigation today for the manslaughter of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 investigation was not completed and I am being punished with incorrect information. I have reached out to Transunion multiple times with no success. I have 3 inquiries on my report that was not authorized by me. I spoke with their fraud department, and they refused to remove them. According to the fair credit reporting act, they must remove them. Also they are reporting bankruptcy information that is in accurate that needs to also be removed and they refuse to do so. ( FCRA ) states that I am entitled to an accurate credit report at all times, and Transunion is not abiding by the rules.

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 2023-06-14
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The list of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168XXXX. ACCOUNT Name : XXXX XXXX and U.S. Bankruptcy Court 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 an 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 explanation
Consumer complaint received 2021-08-25
Company: TD BANK US HOLDING COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 ; I called TD Bank Customer Service to inquire about problems accessing my online banking. This has been after two weeks of attempt to resolve this issue. I lost my phone on a Subway train in XXXX during on XX/XX/2021. Because of that, I had to get a new phone and a new number. I have not been able to log into my account nor receive any assistance in doing so. Their verification questions are impossible to answer because I haven't made a transaction in a branch or ATM since the beginning of XXXX. I left the XXXX of Massachusetts for school on XX/XX/2021. Therefore, because of that I can not remember the amount of transaction. 

TD Bank has been impossible to work with and they have failed to resolve my issue, despite my kind requests. They are not America 's most convenient bank. When I called on XX/XX/2021, I was told that because I am " outside of the TD Bank footprint '' that I would need to go into a branch physically. They are failing to show any consideration that I am a college student out of state. To go to a branch physically, would cost be large amounts of money just to solve a single issue. They are being disrespectful, discourteous, and quite frankly terrible customer service. 

TD Bank needs to be held accountable and taken to task for their horrible customer service. All I'm asking for is to be able to access my online banking. They are making it more difficult then it needs to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: Conduent Incorporated
State: FL
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:
A card was opened in my name. I tried using XXXX XXXX  to dispute this matter it never worked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: MD
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 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.

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