BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
My identity has been compromised. I tired to file my tax return and the tax professional told me that my social security had been used already to file my tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were these things from my report. XXXX {$6000.00} XXXX {$880.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$420.00} XXXX {$410.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We've been charged unnecessary overdraft fees on the following years : 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 2020-04-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mobile check deposited {$6000.00} from wells fargo to XXXX XXXX on XX/XX/2020. 

XXXX closed my account XX/XX/2020 I have no access to withdraw. 

I contact to wells fargo to stop pay the check. WF letter me the fund already posted and cashed before I claimed. 

I reach to XXXX again and tell them its already posted. But they said they cant give my money back and only way is I have to recall the check. 

WF said I am not able to re open the case to recall the check I have to deal with XXXX XXXX directly. 

Both company said they cant and call other company.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: AZ
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:
violation of credit bureaus to report information on my credit report without my consent. legal code 15USC code 1681b. this is identity theft

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 2023-01-18
Company: Experian Information Solutions 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:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}

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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$18000.00}.

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 explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with FCRA, TransUnion has violated my rights by reporting false inaccurate information on my consumer credit report. Under 15 USC Code 1681 ( a ) - Congressional finding and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. XXXX XXXX Account has been closed and is reporting inaccurate dates and an updated balance every month as of XX/XX/2022. OTHER CREDIT REPORTING AGENCIES HAVE REMOVED/DELETED THIS FALSE COLLECTION ACCOUNT. I have been injured numerous times from TransUnion negligent and willful behavior. These injures include my reputation has been ruined, loss of income, XXXX and mental anguish. Please remove this account immediately. 15 USC 1681 ( a ) ( 4 ). States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692b ( 2 ) can not state that such consumer owes any debt 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned account. If you are unable to produce said requirements, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is a message from a consumer, natural person. Im going to give you a little detail of the ending of the relationship between myself and The Bank of America. Ive been a long term account holder of this financial institution. Until BOA took action in collecting debt on a ( vehicle ) without aduaquate notice nor an interest in payment resolutions. So Bank of America repossess the vehicle ( collects the debt ) around XXXX of 2022. Then five to six months later BOA takes actions to collect debt once again so suddenly and without any notice. This particular time they garnished my checking account for over {$1700.00}. Which is way more than 20 % of my weekly pay gross. Ive reached out to BANK OF AMERICA 's collection department on multiple occasions via phone and mail to explained my case and they responded with intentions of receiving more payment in the future.They stated that the money was applied to the loan token out on the vehicle. I explained that I no longer has possession of the vehicle so Bank of America not only violated my consumer rights multiple times but they also violated a few other TILA laws and ECOA laws.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/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 2023-03-09
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the emergency room several different times once in XXXX XXXX XXXX for treatment plus I have dual insurance that I used and now an 3 party collection company is telling that the doctor working for the hospital is charging me separately in addition to the hospital visits so basically I'm being double billed for the same visits once by the hospital and once by the doctor in which he's representing and working for the hospital. I believe that double billing it wrong.XXXX  set XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: SC
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:
I have sent out a letter to XXXX, Experian, and XXXX concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX  Experian, and XXXX to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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

Complaint:
Experian and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a account with well Fargo I lost my wallet with all my important information in it anyway I guess someone tried to use it so they froze my account and then close it when I went to address the matter far as trying to get my money and reopened my account they was giving me the run around

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 2022-05-31
Company: Conn's, 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: Account status incorrect

Complaint:
This complaint is in reference to Conn Appliance , Inc. On XX/XX/XXXX I mailed a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX which is the address listed on my credit report. This letter was returned to me unopened, as was the previous two that I sent over a year and a half time span. This time I held on to the returned letter. A copy of this letter is attached. I have also uploaded the contents of the letter with the information in which I was requesting from Conn Appliance , Inc. Here 's a little back story. On XX/XX/XXXX I was served by XXXX XXXX XXXX, XXXX. which is a debt collecting company filed with the plaintiff being Conn Appliance , Inc. I retained an attorney for my case number XXXX. Conn Appliance , Inc retained XXXX XXXX. This debt claim was canceled on XX/XX/XXXX. The balance due as of XX/XX/XXXX was {$0.00}. I have been trying to contact Conn Appliance , Inc so that I could get this removed from my credit report with all the credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported to XXXX that account as on-time ( copies attached ). On XX/XX/XXXX Conn Appliance reported to XXXX that account not paid since XXXX ( copies attached ). I did also noticed that the address listed on my credit report is the exact address that I have attempted to mail three previous letters to, and they all were returned unopened. This matter has caused my credit to plummet tremendously. This matter is now causing me a great deal of stress and uncertainty. I have to move in less than 30 days, because the home owner is moving back into the home due to returning to area on XXXX XXXX. My current credit score will not qualify me for a rental or to purchase a home which is going to leave me and my family homeless. I really need this issue addressed and rectified as soon as possible. Thank you in advance for your help and know that it is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: IN
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 not liable for these accounts. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
I did not sign a contract with these collection agencies. They did not provide me with the original contract with my signature on it.

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 2023-04-18
Company: EQUIFAX, INC.
State: MD
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 sent a letter to XXXX, Equifax and XXXX to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Date Reporting : XX/XX/XXXX XXXX  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid XXXX to publish my applications and help in finding a job, I was completely aware that there would be a back ground check done and when the results came in they denied me any futher help and would not be submitting my applications, but they are doing this based on a misdemeanor charge in North Carolina that i am still going to court over and i feel that it was not fair to deny me of any chance of employment on something that has not even been charged on me. My next court date is in XXXX and i was cleared in every other part of the back ground search. so if i am going to be judged on something the court has not even found me guilty of I think this is very unfair and I would like a refund of my money and I will be putting a review on yelp and any where else possible because I am being judged very unfairly by this company over something that i have not even been charged with in court.

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 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We currently have a joint bank account with Bank of America. Yesterday all of our assets were frozen and we were left with nothing in any of our accounts. {$1000.00} of these funds were from a XXXX check deposited into the account. The law firm refuses to release the money and puts the blame on the bank. The bank also puts the blame back on the law firm. Also the garnishment has no weight. My partner attended a hearing in XXXX  for it and they did not show up to represent themselves. Unless they went to court without informing us of a legal suit there is no record of a collection being issued that we have any knowledge of.

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 monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: MD
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 sent a letter to Experian, XXXX and XXXX to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Date Reporting : XX/XX/XXXX XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.

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