BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
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:
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 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 2023-10-24
Company: Experian Information Solutions Inc.
State: PA
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 contacted XXXX on XXXX requesting they do a proper investigation. Contact the school, check IP addresses, match up the signatures, they cant do these things because it doesnt belong to 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 2023-06-03
Company: EQUIFAX, INC.
State: TX
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 disputed a collection on my credit report with all three credit bureaus. The collection is from the XXXX at XXXX XXXX XXXX XXXX XXXX I have NEVER lived at. I have resided at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX since XX/XX/2020. I have done everything I know to do including offering copies of my 3 years of lease agreements to prove I NEVER lived at the complex and the {$330.00} collection is not my account. This is preventing me from finding housing. I will be homeless on the XXXX because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX  assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.

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 2023-06-21
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX  XXXX and XXXX XXXX XXXXXXXX. Please update and correct.

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 2022-12-09
Company: Experian Information Solutions 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:
My name 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 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 2019-11-20
Company: EQUIFAX, 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:
XXXX XXXX XXXX is attempting to collect XXXX for a cable box that I already paid XXXX XXXXXXXX for and I also returned the box. XXXX assured me that they pulled this from XXXX XXXX and no other collection attempts and it would be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX United States citizen and Wells Fargo bank continue to tell me that I owe them {$290.00} cents for over draft fees in which I never authorized them to sign me up for over draft protection and I have told them on numerous occasions that I don't even know how to use online banking and I never authorized Wells Fargo bank to sign me up for anything without my permission. But after going on 3years they didn't say anything about me having to pay any fees in which I should have been informed about all these hidden fees but even now Wells Fargo bank and it's bankers played along with them and are getting paid big money just to stay silent and the bankers and Wells Fargo bankers know what Wells Fargo bank executives are doing and are afraid that they will loose their jobs if the these bankers don't do what their superior tell them to do. And Wells Fargo bank has taken advantage of these consumers by forging people names on documents without the consumers authorization and knowledge. I have tried to let this institution know that I have not given them any permission to sign up for for anything without my consent. Now it's obvious now how Wells Fargo bank has been sued not only for taking advantage of people that are XXXX and Wells Fargo bank has been sued for discrimination as well. But in these days in time and are in a pandemic they are getting money just to feed their families and loved ones. By holding and opening up fake accounts and taking money with out the consumers consent and permission. And I have tried to get the information on what was in my savings account and they the bankers want to tell me hold on I will let you talk to my supervisor and and waiting on the phone just to seek out the truth about what is going on with my account. And the results has been click I have been hung up on by this financial institution and now they Wells Fargo bank wants me to give them my debit card number and my account number if I did that this is how they would justify that I have gave them authorization to charge me that {$290.00}

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 monetary relief
Consumer complaint received 2019-03-21
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On approximately XX/XX/XXXX, I received an Escrow Analysis that had shown we had a escrow shortage of {$1300.00}. When reviewing the Analysis it was noticed that the shortage was due to property taxes being disbursed outside of the terms in which the escrow account was originally set up. Originally my mortgage was set up with property tax disbursements to happen XX/XX/XXXX and XX/XX/XXXX. When my mortgage was transferred to Flagstar in XX/XX/XXXX from XXXX the escrow was set up correctly, which is evidenced by the XXXX escrow analysis from XX/XX/XXXX. When XXXX received my mortgage transfer from XXXX they altered the escrow disbursement date and paid the entire property tax bill in full in XX/XX/XXXX. By Flagstar making this change on their own it caused my escrow account to be short, which in turn is causing me to either pay Flagstar the shortage amount or have my mortgage payment increased over $ XXXX/mon. On XX/XX/XXXX I contacted Flagstar 's Escrow department and spoke with XXXX regarding the above referenced issue on my escrow account. XXXX put in a request to have a new escrow analysis completed as a rush, which he said would take 3-5 business days. On XX/XX/XXXX we checked account on the Flagstar website and a new escrow analysis was completed. This time with the updated escrow analysis showed the correct disbursement dates of XX/XX/XXXX and XX/XX/XXXX along with now and escrow overage. I also noticed on the new analysis that Flagstar was showing an HOI disbursement in XX/XX/XXXX for over {$3000.00}. My HOI is approximately $ XXXX/yr. I subsequently called Flagstar about the analysis on XX/XX/XXXX to inquiry about this issue and attempted to review the XX/XX/XXXX analysis with a representative from the Flagstar escrow department. I reached the same agent XXXX as I did back on XX/XX/XXXX and XXXX first was able to tell me that the {$3000.00} HOI disbursment was to Integrity insurance, which is my insurance company, but they have no record of receive any such payment from Flagstar. Upon additional questioning, XXXX stated that he could see the escrow analysis was in fact completed on XX/XX/XXXX, but was not available in any of the three systems that he was able to check and couldn't tell me what happened to that analysis. I had another expedited request opened, but he wasn't able to transfer me to a supervisor and could only put in another request. XXXX did verify that he was able to see the original loan documentation that showed the property tax disbursements were to be XX/XX/XXXX & XX/XX/XXXX for each calendar year and also saw that is how the escrow account was set up at XXXX prior to the transfer to Flagstar. I simply want Flagstar to correct my escrow disbursements to the correct date and adjust any account balance difference caused by the malpractice.

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 2023-05-31
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. 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 says it's mine. According to the FCRA ( Collection Agency Name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CEX.IO CORP.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I registered at a cryptocurrency exchange cex.io back in XXXX. Used it sparingly. Upgraded to their Address verification level with an ability to deposit and withdraw both XXXX and XXXX currency up to {$10000.00} daily. 

In XXXX I initiated a verification process to get upgraded to their Enhanced level of verificationwithout any daily deposit and withdrawal limits. 
Throughoutthe process I provided cex.io with my tax income documents ( IRS XXXX XXXX ), proof of income, and all the documents they asked for. Communication was conducted with cex.io via email. I must note that at some points they didn't respond to my emails and I had to wait for their replies for months. 

After they received all the documents proving my income they asked me to provide " screenshotof the withdrawal destination platform showing owner ship of that wallet. '' for transactions dated back in XXXX. 
I find it unreasonable to require this kind of information for these reasons : XXXX. Transactions are old. I upgraded to Address verification level after those transactions took place. So why cex.io is looking at the old transactions whichpassed the previous verifications? 
XXXX. I have no access to destination wallets, since they were not mine. Even if they were mine, why am I required to take their screenshots and share with someone? That is unsafe practice. 
XXXX. I don't have to remember who I send coins to or who sends coins to me. 

A cex.io customer support representative wrote that they had to comply with regulators. They didn't mentionany regulator 's name or a source of information where such regulations are defined. 

I decided to cancel the Enhanced verification and withdraw my XXXX XXXX to my XXXX. However, I found out that cex.io has locked my funds without any notification. 
I XXXX twice asking to unlock my coins, but receivedno any reaction. 
I XXXX on XX/XX/XXXX demanding to unlock their illegal hold, but receivedno any reaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CITIBANK, N.A.
State: WI
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:
On XX/XX/2021, I was mailed a letter to my home address from Home Depot Credit Services informing me that the consumer credit card I applied for could not be processed due to a credit freeze on my credit report. I DID NOT APPLY FOR THIS CREDIT CARD. Fortunately, because of the credit freeze I have in place, the credit card has not been processed. I will attempt to contact Home Depot Credit Services and tell them to stop processing this request.

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 2021-07-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account number 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company should have closed the account as request in XX/XX/2018 after the {$5700.00} payment. This was because the authorized purchaser on the account, XXXX XXXX, was in a nursing home, her card was missing and because of that I did not want any more charges on the account. 

This situation was explained when I closed the other accounts with HSBC as well. 

Instead the company allowed charges and let interest accrue then charged late fees and more interest. 


I have tried to settle this matter several times with HSBC and each time, they provide misleading information and refuse to acknowledge receiving the notification I detail above. Yet, in XX/XX/2018, they contacted me to tell me of suspicious charges, which I confirmed and again asked why the account was still open. 

Currently they are doing this with a debit card on a checking account with XXXX XXXX as a co-owner that I have asked them to shut down several times and they have ignored my request. I have asked them to cancel that debit card, just as I asked them to close this master card account and my requests get ignored and then HSBC refuses to do anything to correct the situation and the now useless CFPB will not do anything so I was advised by the House Government XXXX XXXX XXXX to continue filing until CFPB starts doing its job and banks start complying so I am filing again and hopefully either the CFPB will do its job or the House will make them do their job. Each of these complaints with nonsense responses goes to the House XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: LEXISNEXIS
State: TX
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 writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported. 
Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged on XX/XX/XXXX XXXX is no longer current and therefore must be removed. 
I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. 
I demand that this error be rectified immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written confirmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously and resolve it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal has " decided '' for some reason that I'm doing something suspicious and risky and permanently limited my account, I have money in my account that they insist I can't withdraw for 180 days, but it still lets me add money. They are literally holding my own money XXXX for no reason. No disputes what so ever. No reason for them to hold the money, they claim they can't do anything for me. My paypal email is XXXX.

Company response to consumer: Closed with explanation