BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: WELLS FARGO & COMPANY
State: OH
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 was never join with XXXX XXXX auto loan, idk why its on my account can you please remove it from my credit report asap thanks

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 2021-02-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe Commenity Capital Bank about {$900.00} for XXXX  work. I have been paying what i can for about a year now. My balance hasnt shrunk at all, as a matter of fact when i ask for the total it magically goes up. ( Ex last month {$920.00}, this month {$1000.00} ) They call me about 2-4 an hour every day, when i dont pick up they call back with a blocked ( XXXX ) number. I have answered and ask for financial assistance since im the sole provider for my family and we live in the XXXX XXXX so its very expensive. They oblige but then the next week the calls start all over again asking for the full amount. Now when i answer i tell them this is harassment and they quickly hang up. I need help settling this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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.

has violated my rights. Or a list of inquiries : 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 2024-01-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello i didn't try to get credit from that company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the financial POA for a friend who has been recently diagnosed with a terminal illness and is completely physically XXXX. I attempted to close her checking account on XX/XX/22 with Wells Fargo and they refused to allow me to do so because it is jointly titled with her mother, who is listed as the " primary '' account holder. Her mother died over 15 years ago and the bank is demanding a copy of her mother 's death certificate to allow me to close the account. It is my understanding that each joint account holder has equal rights to conduct any activity on a jointly held bank account. I don't have the time, energy or interest to track down a death certificate for my friend 's mother, particularly since there is no legal reason for me to do so. Wells Fargo is preventing me from exercising my legal right as financial power of attorney to close my friend 's account. They have the XXXX document and recognize it as valid. The account only has a {$9.00} balance. My guess is they just want to keep charging bank fees, sending the account into overdraft status, to artificially boost their balance sheet. The local branch XXXX filed a complaint internally on my behalf but the situation has not been resolved. They also stated I could not close my friend 's safe deposit box at the bank for the same reason. I guess in the long run account and safe deposit box fees will pile up and it will get reported to the credit bureaus. My friend is completely incapacitated in the hospital and can not advocate on her own behalf, but I have full authority so I don't guess it matter to the bank. Just another instance of scheming to maintain bank accounts to the detriment of their own customers. Quite heartless!

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX Account number 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

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 2019-06-19
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Over the least 18 months I've attempted to contact the business Speedy Cash & the collection agency XXXX XXXX. Speedy cash refuses to provide copies of paperwork that would have had to be filled out to obtain alleged loan. XXXX XXXX the collection agency also refuses to provide any proof that I obtained a payday loan. I have never obtained a payday loan anywhere in my life. I'm a retired police officer with full pension prior to XX/XX/2015 when they allege I obtained the loan & when I refuse to give my full SSN # they hang up on me! 
Without them providing any documents I would have had to sign, it's difficult to prove the loan was not obtained by me. I also have bank documentation that unknown persons had gained access to my checking account around the same time & can provide that If necessary. That loan isn't mine & the 2 businesses involved are highly uncooperative & why I need help dealing with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
NFCU, Recently closed my bank accounts they claimed that the computer I used to apply for a credit product ( WHICH I WAS APPRVD ) was compromised - and sent me all over to every department they have, still with no results in reopening my account! 

I served this country in the XXXX XXXX for several years and to be treated as a common criminal is a slap in the face. NFCU system is flawed and I'm very disappointed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been pursuing an amicable resolution with XXXX XXXX XXXX, XXXX regarding incorrect reporting of a " Late Payment '' with both XXXX  and TransUnion. 

Both TransUnion and XXXX  are reporting incorrect information regarding these " Late Payments ''. After filing complaints with the CFPB regarding XXXX, my attorney received a letter from XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX department. 

In his letter, XXXX XXXX specifically states that the account was paid off in full prior to my 2015 Bankruptcy and that there were no " Late Payments '' or other derogatory remarks reported to TransUnion and XXXX. 

I'm very frustrated at this point that XXXX  and TransUnion have not reported the account correctly even after filing several disputes with both the credit 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 2023-06-14
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened my venmo account on XX/XX/2023. The account was suddenly frozen on XX/XX/2023. I submitted the requested documents to have account unfrozen which was completed on XX/XX/2023. I then had a direct deposit come to my account in my name for {$1200.00} from my school at XXXX am on XX/XX/2023. On that same day XX/XX/2023 I attempted to transfer funds as authorized by the Venmo policy to a friend 's account but wasn't able to do so because my account had been refrozen for no apparent reason. So I called in and was told by a representative that the system flagged my account so they created a case number for me to have my account unfrozen and assured me that I've done nothing wrong ( I have the email from them to prove that statement ) I then received an email on XX/XX/2023 requesting me to upload another copy of my Identification to have my account unfrozen XXXX XXXX. I submitted a copy of the front and back of my driver 's license that same day XX/XX/2023 at XXXX and I received a notification saying submission successful. At XXXX XXXX I received an email from an account specialist by the name of XXXX XXXX. 
Account Specialist | Venmo saying my account was now permanently deactivated and that my funds would be turned over to the Loss prevention department for 180 days and that they'll contact then if the funds were going to be returned to me. So I email that same specialist and asked why was my funds being held, I also asked could the funds be returned to my school since they seem to have an issue with my identity information. That same specialist responded saying that it's no gaunrentee that my funds will be released back to me. My issue is that I haven't committed any form of fraudulent activities. If they would have asked me to submit proof of the funds I received as a direct deposit from my school them I would have but they only asked for my Identification which I submitted and they still restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX reported to Experian that my account was closed and a charge-off, but I have never made a late payment and I don't carry more than a {$100.00} balance ( {$3000.00} credit limit ). The problem I am having is my other credit card company XXXX said they received information from Experian about this XXXX account and as a result have reduced my credit limit from {$5000.00} to {$1300.00}. I've tried to explain this, but my credit limit with XXXX hasn't been restored ( since they're using false information ). 

I receive an email from Experian acknowledging the false information and that my report has been updated as of today XX/XX/2021. I am in the middle of refinancing ( being added to a mortgage ) and I need to make sure my credit stays as it was when I applied.

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 2021-02-05
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
While checking my three bureau credit reports through XXXX ; I've noticed a few inquiries and accounts on my credit report that I did not authorize. 

Accounts : Santander Consumer U - acct # XXXX - Date opened:XX/XX/XXXX XXXX XXXX- acct XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX- acct # XXXX Date opened : XX/XX/XXXX XXXX- acct # XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX acct # XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXr XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 2017-02-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Macy 's - Repetitive phone harassment from various phone numbers. To include : XXXX ; XXXX ; XXXX. They call several times a day interrupting me at work. I know who they are and what they want. Calling 5-10 times a day does not change my reply ...

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 2021-02-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX after reviewing my XX/XX/XXXX statement and noticing numerous XXXX charges, I reported fraud to both Capital One and XXXX. On said date Capital One issued temporary credit. Thereafter on XX/XX/XXXX, XXXX agreed with fraud claim and refunded all XXXX charges in the sum of {$2800.00}. On XX/XX/XXXX, I advised Capital One that the money was refunded and advised them to remove temporary credits and refund the balance owed to me as I previously paid Capital One in full and had a zero balance on my card. I was told it would take 7-10 days for me to receive a check. It was not until XX/XX/XXXX that they made credit adjustment. It has now been over 3 weeks since I requested refund and I still have not received it. Not only are they keeping money rightfully refunded by XXXX. XXXX but they have issued a freeze on my account and I do not have access to my XXXX credit limit. When I inquire they state the investigation is not complete which is completely unfair since I timely paid all my monthly charges and they have also received a full refund of all the charges from XXXX who found that my XXXX was compromised through no fault of my own when I purchased a new Apple XXXX in XX/XX/XXXX. Capital One is wrongfully withhold my refunded funds as well as keeping a freeze on my credit card which had a zero balance and has been paid timely monthly for several years. They are prohibiting access to funds which are rightfully mine through no fault of my own. XXXX properly investigated and determined the charges were not valid and issued a full refund.

Company response to consumer: Closed with explanation