BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX  & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below.

This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am victim of identity theft. the information listed below, which appears on my credit report does not related to any transaction that I have made. the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a business banking account checking and savings with bank of American. 
I made transactions, deposits, withdrawals and debits. 
One of my clients wrote me several checks although one of them he stopped payment on and issued another I. Replacement. 
Bank of American accepted the deposits and confirmed w my client and then XXXX down my account after they collected the monies. 
Bank of America then alleged fraud all on their own even after speaking and confirming w client. BofA the states they were taking the funds and holding them indefinitely in hold harmless. 
They then recorded the transaction as a closing transaction, showing I had {$59000.00}. Which all of those funds belonged to me. 
As they said funds were being held on hold harmless. 
I sent over an indemnity agreement and they just ignored every other correction from 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 explanation
Consumer complaint received 2019-01-30
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send a letter to this company dated XX/XX/XXXX. It is now XX/XX/XXXX ive never gotten a response from them. I have tracking number and proof of delivery. They are showing on my consumer report that the account was open XX/XX/XXXX and it has a balance of {$1300.00}. I have never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for an XXXX credit card in store with a {$1000.00} limit in XXXX XXXX They failed to send me a physical card but I was able to buy things on the account anyway. This became a problem when it came time for me to pay the card because every store I went to had different answers about whether or not I could pay the bill in store - sometimes same store, different employee response. 
I called, got the directions to use USPS mail to send my written social security number and ID scan into.so they could verify my identity before sending a physical card. I received a letter in the mail over a month later stating that my identity check was rejected - no reason why given. When I called and asked, they also couldnt tell me the reason for rejection. 
I spoke to them again in XXXX when they called to collect my bill payment with a late fee on it. Keep in mind I still cant pay the bill online or in store. I asked them to remove the late fee and I agreed to pay the remaining ( actual ) balance this once over the phone. They agreed and assured me I would receive my card in the mail. I held off on making any further purchases until my birthday came around in XXXX They had started stacking late fees on my account, so I called and paid the balance again but said I would not pay the fees. I called and explained the situation to multiple customer service reps who apologized and said, Im sorry, this is not your fault, which made me hopeful. But once I was transferred to Collections, specifically the Supervisor, she was horribly rude, hardly acknowledged any point I made, and blamed the entire situation on me. Zero options for compromise, not a hint of sympathy. When I told her I wasnt paying the fees and would be filing a complaint, she scoffed. 

Since, they have spitefully limited my account limit to barely {$100.00}, further hurting my credit. 
I have told the Supervisor of Collections and several other collectors at this point that I dont plan to pay it and Ill be taking a complaint elsewhere, yet they call multiple times a day from several numbers or No Caller ID. Its harassment. 
This is also not my first nightmare experience with Comenity. If I had realized they were funding the cards I never would have signed on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; Medical XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$570.00} ; XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have this US Bank XXXX XXXXe card for years. There is a benefit of the card which is {$320.00} annual credit for travel/dining purchases. The definition of " annual '' is card anniversary. Since my card 's annual fee has been always charged on XX/XX/XXXX, which is also a statement date, this is what I believe to be my anniversary date. I used my card on XX/XX/XXXX on some travel purchase. But for some reason, US Bank posted this charge a few days later and wasted my previous card year 's benefit. This is very disappointing for me, especially in a difficult year like this. I would really appreciate it if US Bank could make this charge ( on XX/XX/XXXX ) to be using my previous year 's allowance, instead of wasting my benefit. Thanks a lot!

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 2021-05-27
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Pay Pal Complaint PayPal is holding {$90.00} of my funds. " They '' wouldnt put it on my PayPal credit, release it to me via check, nor deposit it to my credit card. " They '' insist that they can only do it after I upload pictures of my ID and my Social Security to them. Being a security professional myself, I absolutely refuse to trust PayPal servers vulnerable to hacking so much information about myself. They already have my SS Number, my credit cards, my phone, address, e-mail all verified by them many times over. Now they want my banking account on top of it. 
I unsuccessfully discussed this issue with several PayPal employees. 
Please make them send me the {$90.00} they owe me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-08-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I was scammed. I received an email saying he was going to be charged for a XXXX XXXX XXXX subscription. I followed the instructions to " undo '' the charges, the scammer accessed my Wells Fargo accounts. and transferred {$30000.00} from my savings and {$10000.00} off my credit card. I went within two hours to a Wells Fargo branch in XXXX, Nevada and told them I had been scammed and they needed to stop the transfer that was happening. The associate there told me not to worry because the transfer wouldn't go through until XX/XX/XXXX. But it did and I lost {$40000.00}! I have filed a police report and gone to the FB! already. I have spoken to multiple Wells Fargo employees who keep telling me the incident is being worked on but that the case is closed. It's been OVER A MONTH. I have been a Wells Fargo customer for 30 years. My family has had a terrible year. My brother died in XXXX and I inherited the {$30000.00} from him. My dog XXXX  away in XXXX. And my only son died in XXXX from XXXX at age XXXX. Now I am scammed out of my only inheritance. Something needs to be done immediately. I have emailed the Board of Directors at Wells Fargo as well as every executive and NO ONE has responded.

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 2023-11-06
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: Personal information incorrect

Complaint:
Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately.

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!!

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/1993 Please remove any other dates or years you have listed. 

My employers name is as follows : XXXX XXXX XXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX  After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-25
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:
i have a lot of inquires for credit on my credit report all 3 of them XXXX, there are address on my report that do not belong to me TransUnion, and XXXX. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.

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 2021-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them about errors on my credit report and the violation that they made specially FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose. It causes me so much stress because it really affects me especially in getting access to different forms of credit which is needed during this time of a pandemic. I left no choice but to seek legal action against this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Account information incorrect

Complaint:
Due to my XXXX, my Dept.of Education loan has been discharged. The account is still showing a balance. I would like to have this account removed immediately from my credit report.

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 2021-08-21
Company: AMERICAN PACIFIC MORTGAGE
State: HI
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:
I took mortgage forbearance in accordance with the CARES act beginning in XXXX of XXXX with American Pacific Mortgage. The account was in forbearance until they sold the loan to XXXX XXXX  in XXXX of XXXX. Mine and my wife 's credit report now show a 120 day delinquency from American Pacific Mortgage even though our account with them is closed. 

I have called and emailed American Pacific Mortgage about the issue and they say that the account was in forbearance and that they never reported the account as delinquent but my credit score and report show otherwise so I am now unable to get another mortgage.

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