BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
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'm sending this complaint to inform AGAIN the 3 credit bureaus that I was a victim of Identity Theft. It seems the 3 credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
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 Act Reporting act 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. 166B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2022-01-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Wells Fargo indicating that I had opened a checking account with them, which was not the case. After speaking with a representative, they informed me that ( 1 ) I should start looking into potential identity theft and ( 2 ) they would be putting a hold on my account and starting a fraud investigation ).

It's now been over a month, and there has been no indication that my identity has been stolen ( after all, nobody has attempted to open a new loan or credit card in my name and my credit score and report at still the same ). Given that, I suspect that it was fraudulently opened by someone at Wells Fargo. 

Additionally, my Wells Fargo checking account is still open and I am getting constant emails from them about adding funds, etc. I have now called Wells Fargo to try to close my account multiple times, but each time they say I have to wait on hold for someone in their fraud department ( which I've attempted to do so several times unsuccessfully, having waited on hold for several hours and listening to mind-bendingly repetitive music ). When I connect with someone from a different department, they tell me that the only option is for me to wait on hold ( as that can't give a time estimate for waiting, don't allow for a customer call back for their fraud department, and don't give you an option to email them ). 

All I want is for my account to be closed and to not be charged anything. There should be an easier way than this.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus. On XX/XX/XXXX which is the deadline for Their 30-day validation window. I would like transunion to open an investigation. If I do not receive a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like Transunion to take it off my credit report. As is my right under the Fair Debt Collections Practices Act ( FDCPA ).

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 2020-01-06
Company: Experian Information Solutions Inc.
State: TN
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 attempted to pull my annual credit report from Experian and received the message that their server was experiencing problems and the report would not be available. The system then checked off that the experian report had been accessed ( which it had not ). I  believe the same thing occurred the last two years. This is XXXX ; they should be required to fix their problems or allow you to access the report after their computer problems are resolved.

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 2023-03-31
Company: EQUIFAX, INC.
State: LA
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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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: Public record information inaccurate

Complaint:
Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditors many many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I transfered money using there pay anyone transfer, I entered the phone number that i was sending the money too and it was sent to someone else. They stated there was no error because that phone number is linked to that persons CHIME account. I sent them my phone bill to show that that is my phone number with the phone number and my name showing and account number but they stated that was not an error because that phone number is linked to that CHIME member it was {$1600.00} and it was my rent money. Please help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I haves never been arrested for any crime, yet Experian has 3 records of arrests for someone on my personal report. Please advise me on how to get the fraudulent information removed.

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 2023-03-31
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: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 'm looking forward to the deletion of the following items in my file ASAP. Thank you. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America has turned me over to a collection agency for a fraudulent identity theft I never Bank with this bank of america just checked my credit history and this was on my report apparently I owe them XXXX $ I have never done business with this bank now they want this payment sent to XXXX XXXX XXXX credit owner XXXX XXXX XXXX Can you please help me they have ruined my credit and I was so unaware of theses charges that someone has stole my identity or bank of america is responsible. Help Please 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 2023-06-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe I almost paid off the principal on the mortgage. I owe the bank the deferred money from the Covid crisis. it was around {$4000.00} and it's now XXXX XXXX. The bank refused partial payment and asked for full payment of the deferred amount. The bank wanted to discuss this issue over the phone and refused to put anything in writing, while on the phone they talked about " Mortgage Modification '' and tried to fill out an application by asking personal questions, but I refused to apply for a mortgage modification. The bank insists there is nothing they can do and I have to pay the full amount. 
I filed a similar complaint on XXXX, XXXX and the CFPB computer closed the complaint and never contacted 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 2020-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXL XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXXE Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 3 credit Bureaus 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 unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: PNC Bank N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BBVA USA was merged with PNC Bank. All BBVA customers received welcome packets stating that the transition period would be the weekend of XX/XX/XXXX until the XXXX. During that weekend it was told to customers that funds would be accessible no matter what. From the very start of the weekend, customers funds were locked and no access was granted during this period. When called upon, BBVA stated that because there was a merger, customers would need to contact PNC. when contacted, PNC stated that those customers were not in their system and to contact BBVA. This back and forth went on the entire weekend. PNC 's other option was for everyone to just wait it out until Tuesday. Not everyone was able to do that. Some folks needs to get their medications or gas or food and had no access and no help from either company. At one point, BBVA stopped answering calls and basically shut their phone system done due to the influx in volume of complaints. This was also confirmed by PNC who stood on recorded lines and were disconnected themselves. PNC also had representatives been extremely dismissive and downright rude and obnoxious towards the customers who were experiencing this hardship. When confronted about what would be done, PNC just basically shrugged their shoulders and said, " We'll note it and let someone know your issues. '' That meant to customers, we don't matter nor do the company not care about the extremely negative first impressions they gave out and seem to not be bothered by the fact tons and tons of customers incurred fees because of THEIR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Business contacting me deceptively claiming to be in business with another individual ( that I do not know ). I believe they thought I did know the individual and were trying to get me to reveal contact details so they could contact them. I do not have any dealings at all with this company. They lied on the phone about who they were, and I thought at first they were a scammer trying to get info from me about people I might know to hack some account of mine. After XXXX the phone number I traced it back to this business and called directly and it was the same person that had contacted me lying about their identity.

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 2020-01-04
Company: Experian Information Solutions Inc.
State: NC
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 been disputing these accounts for a long time now and all I wanted is to have these accounts removed from my credit report. 
XXXX FORMERLY XXXX ACCT # XXXX XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX I have tried to fix this problem multiple times and told them to validate these accounts and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated with no sign documents showing me proof that the debt belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts 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 2023-07-16
Company: Experian Information Solutions Inc.
State: NC
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 XXXX Account # 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 1666B : 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 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