BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously filed a complaint and BB*T response was lacking the necessary documents that were sent to me via email. They conveniently left out the fact that they sent me an email on XX/XX/2020 and I responded on XX/XX/2020. They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. 

As you can see from the attached documents, I received the email on XX/XX/2020 ; at the bottom of the email is an attached word document. I responded to the email on XX/XX/XXXX with the response and two attachments : The Merchant dispute Letter and the PDF copy of the gmail correspondence between myself and the constitutional tax collector. The information contained in the word document which I have included answers all the questions they asked me over the phone in late XXXX. 

They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. At no time did ANYONE who answered say they needed more information or that they did not received my email. I want my complaint escalated and reviewed properly. 

Additionally, the response time went from 30 days to now 120 days? And with all of the back and forth has not a single person tried to give a provisional credit since it is clear the transaction was in error. This response is just insufficient.

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 2023-07-25
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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed. Thank you. 
XXXXXXXX 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 explanation
Consumer complaint received 2019-08-27
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed this company twice ( XX/XX/XXXX and XX/XX/XXXX ) online. Failed to receive validation of debt only received collection bills all for {$200.00} ( starting after 1st dispute ). 3rd dispute was a Debt Validation letter dated XX/XX/XXXX, mailed out late XX/XX/XXXX. The letter includes my needs and the federal law in tact on debt validation before reporting an account to the credit bureau. This account has been reported to my name since XXXX. All disputes went through credit bureaus and as I dispute accounts, collection agencies would send just bills. I received a bill in the mail on XX/XX/XXXX from this specific agency and I called them and on a recorded line as they told me it was, I asked to speak with manager or debt collection dept to see if my letter was received. The agent tried to verify my identity and I stated to him I didnt feel comfortable because of previous attempts of calling in to handle this matter, I felt nothing was resolved and my information was just being taken to continuous attach this debt to me. He claimed he got the manager and when I asked about the letter I was told we dont have that ... I cant access that information ... .now I see there was a letter received but I cant access the letter. I continuously read off my letter I mailed in, continuously asked to speak to the dispute department, which at one point he told me they did not have that dept. I continued to asked for a manager and then I was told they were not available and in the beginning a manager did come on the phone and I had a conversation with two people. I ask to speak with the division  manager, as his name is on the bottom of the letter with an attached bill, the agent said the division manager will not talk to me. It got out of hand for me because I felt like I was being lied to with incorrect dates, I was told my letter was received and then it wasnt received. I was told there was no dispute dept and then if I wanted them to review my letter I needed to mail it in to them and someone who does disputes will review it. They have no connection with the bureaus but Ive received a bill everytime I dispute with the bureau. This is effecting my credit horribly and no one seems to want to provide me with the necessary information of the original signed contract from this consumer. As I have told them it is not my account and I have never had an account with that company and if there is fraud taking place, I need to be provided with something besides a bill to take to my local police dept for a fraud report if there is someone using my name. This has greatly affected me as Im a single mom trying to buy a house and start a business and I cant receive a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 2023-07-18
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX  XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 3 collection medical that aren't mine I don't know who told the hospital that.. I attached a photo of the information thank u

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
A dispute was filed on XX/XX/2018 with Experian ( XXXX ), XXXX XXXX, XXXX TX XXXX, that I did not receive a response to in the 30 day time frame. They were requested to remove the Item on XX/XX/2018. This letter was sent certified and signed by one of their employees. Based on the FRCA laws they have broken this law several times and continue to do so. They have not removed this item and it remains on my credit report. They have lied to me telling me that they verified items that are reporting on the credit report. They have also not provided any proof pertaining to this account that this information is valid and true. After my own investigation to the agency that has been reporting this item to my credit report. I was informed that they are not able to report or speak with the credit bureau on my behalf based upon the status that I currently have with them. I was informed that the credit bureau must have myself on the phone or have a letter directing the lender to submit such information to them which I have not give the credit bureau or completed with the credit bureau. I am hear by demanding that this item be removed from my credit report since they do not want to take the appropriate steps in correcting the accuracy of the report and contacting the reporting agency.

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 2023-07-25
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2019-08-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I logged on to the website for the Annual Free Credit report. I was able to obtain two of the three credit reports right away. The report from Equifax I couldn't obtain. The four questions that were asked, I had to respond with " None of the Above. '' I tried answering the form twice today, that is a total of eight times I had to respond with " None of the Above. '' I know that the answers that they are asking have nothing to do with me or my account. 
Here is a simple statement about my credit history over the last ten years. I have neither applied for or obtained credit in a form of a loan or credit card. I did have my identity stolen and all marks about the identity theft have been removed from my credit files over a year ago. 
I am asked on the questionaire about store credit cards, loans, car loans, personal loans, bank names and monthly amounts for those accounts that apparently occurred within the last five years. Again, I have not applied for any credit in the last ten years. 
I would like Equifax to ask relevant questions regarding me. I believe Equifax needs to maintain accurate records regarding myself,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: OH
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 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 non-monetary relief
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Transunion related to a HUGE drop in my credit score for NO REASON.. The outsourced guy in XXXX even sounds SHOCKED score randomly dropped 58 points in 1 day! then tells me if I want copy of my report which shows how they dropped score I need to PAY {$10.00}! To illustrate how arbitrary it is my husband had exact same credit crad bill charge and paid in full NO DROP on his card. Your CFPB guidelines copied here advise consumers to pay in full each month been doing so for 40 years Never this kind of problem ..The drop happened just because of the 1 charge on a bill which with other charges did not exceed at all the 30 % rule you advise ... So why does the Transunion guy tell me BEWARE when the lender soon reports I paid balance in full me the score can drop LOWER?? So here is CFPB guidance for me and others -- does CFPB hold reporting agencies accountable when the parameters are violated? 

" Pay your loans on time, every time. One way to make sure your payments are on time is to set up automatic payments, or set up electronic reminders. If youve missed payments, get current and stay current. 
Dont get close to your credit limit. Credit scoring models look at how close you are to being maxed out, so try to keep your balances low compared to your total credit limit. If you close some credit card accounts and put most or all of your credit card balances onto one card, it may hurt your credit score if this means that you are using a high percentage of your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You dont need to revolve on credit cards to get a good score. Paying off the balance each month helps get you the best scores. '' I follow all of this..please help me and others from being victims of these reporting agencies

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 2023-07-25
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 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 explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
To whom it XXXX concern, I recently opened a Checking and Savings account with Wells Fargo. I initiated the account opening online and was prompted to visit a branch. Upon visiting the branch and providing all requested official identification documents, I successfully opened my account. 

Shortly thereafter, I began receiving suspicious phone and mail communications from local branch employees and other alleged corporate entities questioning the validity of my legal address. 

I made a formal complaint within Wells Fargo which has not been responded to with any official notice as promised. After visiting several branches and providing adequate identification, I have continued to receive other suspicious and antagonistic communications threatening to close my account for Failure to Provide Adequate Documentation. 

Currently, due to circumstances beyond my control, I am homeless and seeking employment. I am reaching out to your offices for assistance as I have not been able to access XXXX funds from XXXX  to bathe, feed, or otherwise address essential functions of daily living. 

I feel victimized by my own financial institution and their openly divisive applications of government regulations. Attempting to resolve this has also led to greatly diminishing my professional reputation and is affecting my ability to seek and maintain gainful employment. 

Homelessness presents its own set of complications, however, I am disheartened and further burdened by being denied banking services at Wells Fargo merely because of being temporarily displaced, though, I have still managed to maintain a valid mailing address I have used without complications otherwise. 

I sincerely hope that youll be able to assist me in resolving this matter with Wells Fargo and set a firm precedent preventing this from happening to other citizens, immigrants, and migrant workers enduring similar circumstances who happily and gratefully toil in their efforts to support themselves and meaningfully contribute to this nation with or without any support from relatives and friends. 

Respectfully, 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 2023-07-25
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXXXXXX 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 XXXXXXXX

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 2022-04-04
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom this may concern I had been dealing with some bad Identity Theft issues from XXXX. I had my credit cards and bank accounts compromised with my Social Security as well. I've had accounts opened in my name fraudulently and someone trying to purchase a car with my information. Since then I had those accounts removed from my name and resulted in my favor. I was overseas in 2021 had my phone stolen along with my laptop as well. I found two more accounts that where compromised which are XXXX and XXXX XXXX. I've already finished my investigation with XXXX XXXX and got the account reimbursed and all my payments back that where taken out my account and got my XXXX account reopened. XXXX is giving me a hard time regarding these unauthorized these transactions and payments taken out my bank account. I was told I'm not responsible for unauthorized transactions yet XXXX wants to hold me liable. Since XXXX is making things difficult I've attached a FTC AND POLICE report showing proof I'm a victim of identity theft.

Company response to consumer: Closed with explanation