BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: MA
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:
My Experian credit score has been negatively affected by accounts that were opened by someone else, using my SSN ; which in turn negatively affect my FICO score. Although I have successfully resolved this issue with XXXX XXXX and XXXX, I still have not been able to resolve with issue with Experian, and it continues to negatively affect my credit score with Experian and thus also with FICO. 

I first attempted to dispute the addresses and accounts belonging to someone else in XX/XX/2021. At the time I was living in XXXX and was able to successfully dispute the addresses and accounts with XXXX XXXX and XXXX. Both of these agencies removed the false addresses and accounts and my credit score reflected the change. However, I was not able to access the Experian site because it had an international security firewall.

When we moved back to the U.S. and were attempting to buy a house, I again tried to dispute the claims with Experian. However, I was not able to get through their online identity verification process, because it required me to verify addresses where I have never lived as my own addresses. These addresses appear actually to belong to the woman who opened these accounts. She has a public record with the Maine DOC which identifies her as a former resident of various Maine cities, and address in these cities also appear on my credit history with Experian. They used to appear on my XXXX XXXX and XXXX files, but have since been removed since I was able to successfully disambiguate my credit history. 

The Experian phone line does not allow me to connect to a representative to whom I can explain my situation, and there is no option in their menu that is appropriate to my situation. I have now been attempting to resolve this issue for over two years.

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 2022-04-19
Company: EQUIFAX, 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. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX  of XXXX Account Num : XXXX  Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX has violated my rights .

15 U.S.C 1681 section 602 A states I have rights 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 items 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 2022-04-19
Company: EQUIFAX, INC.
State: GA
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 # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: IL
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 with the fair Credit 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.

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 2023-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 a check in the amount of {$39000.00} that was fraudulently obtain and negotiated cleared my account. I discovered the issue on XX/XX/2023 and contacted Wells Fargo to submit a fraud claim. I was told the process would take XXXX business days. XXXX calendar days have passed and not only do they not have a resolution, they can't even give me a straight answer. Needless to say I have not recieved my money back into my account. 

I never write checks this large and the bank simply cleared the check and didn't even issue a call or text to confirm if I had written such a large check. 

One of the investigators I have spoken to is named XXXX XXXX and my XXXX XXXX XXXX is 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 2023-06-22
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:
IVE BEEN A VICTIM OF HAVING MY INFORMATION RELEASED TO THE PUBLIC WITH VARIOUS DATA BREACHES. THEREFORE, I HAVE HAD PLENTY OF INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT THAT WERE PREVIOUSLY DISPUTED. SOME ACCOUNTS CAME BACK AS VERIFIED WITHOUT ANY PROOF OF THE PROCESS THAT WAS USED TO VERIFY THESE INACCURATE AND INCOMPLETE ACCOUNTS. I NEED THESE ACCOUNT REMOVED IMMEDIATELY BECAUSE THEY ARE RUINING MY REPUTATION WITH THE BANKING SYSTEM. I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION MORE THAN 30 DAYS AGO AND I STILL HAVENT GOTTEN A RESPONSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: PNC Bank N.A.
State: NJ
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:
Fraudulent credit card was opened and charged up to XXXX that I never received used or entered into a card member agreement for an account o be opened on my name with pnc bank. This account is fraud and I plan to escalate this matter to court if needed. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a claim to my insurance company, for roof damage by a storm. By XX/XX/XXXX the claim was settled, I then submitted the check to XXXX XXXX because I have a Reverse Mortage on the house, all documentation has to be submitted tot hem for a 2nd time because they received it before the inspection was done by their inspector. 2 1/2 weeks later they sent the first check back to me indorsed. The contractor submitted an invoice for supliment work inside the house, XXXX XXXX XXXX   XXXX sent a check for the completion of the work on XX/XX/XXXX. This check included the depreciation amount, XXXX XXXX sent the inspector out a second time, the report stated that the work was 100 percent complete. They have repeatedly come up with a reason or excuse to not to indorse the check therefore I can not pay my contractor. It is now XXXX XXXX XXXX I either called them or received calls from them daily with reasons they come up with not to endorse the check. At this point the contractor is considering a lean against the property because of delay of payment. The insurance company has been supportive of me and the frustration of dealing with XXXX XXXX. They continue to lie about additional documentation saying that it has been sent from the insurance company with a different amount and want to send out another inspector even though they have already sent an inspector who has deemed the job 100 percent complete. I have spent over {$200.00} in overnight evenlopes sending out checks to them which they continue to send back unendorsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: AL
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:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  Act. # XXXX, XXXX  Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX 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

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 2022-04-19
Company: EQUIFAX, INC.
State: SC
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:
This debt with XXXX XXXX XXXX was first charged off in XXXX in XXXX. The agency is continuing to add reporting and updates to the file, as if we have been in contact and I am making payments on this debts. This is effecting my credit rating to the misinformation and incorrection being reported to the XXXX. They last updated Equifax XXXX in XXXX of XXXX. Why is this happening? If you look at my credit reports you will see for the entire year of XXXX there was no reporting, then in XXXX new charge debts being reported. The payment status should not have changed since XXXX. This validates my rights as a consumer, and I feel that the CFPB should take action on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MO
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 Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

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 explanation
Consumer complaint received 2022-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 an inquiry was shown on my credit profile by Experian XXXX XXXX on my Experian Credit Profile. I did not provide permission to anyone to pull my credit profile. This transaction is fraud. I have requested the inquiry to be removed from Experian 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 instruction. 

In accordance with the Fair Credit Reporting act XXXX  US Bankruptcy 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 instruction. 

In accordance with the Fair Credit Reporting act XXXX 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 instruction.

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 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX  tells me to contact the business to get it cleared up.

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 2017-09-18
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On the XX/XX/XXXX I received a letter from NCAC ( debt collection ) agency regarding the outstanding debt of {$2500.00}. 

On the XX/XX/XXXX I emailed the representative to advise this amount is disputed between their client and myself due to multiple issues and provided an unanswered letter to their client. 

The NCAC representative said they spoke to their client and have made the " final decision '' that I am still liable for {$2500.00} ( without providing a statement or validation of debt prior ) and will have my credit rating negatively affected if this payment is not made. 

The outstanding debt is in dispute due to violations made by the XXXX XXXX and myself. They made several changes that affected my stay in the apartment and caused damages to my property. NCAC is not a court of law to make decisions on disputes between two parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank closed my account due to a check that I deposited for {$260.00}. Initially the check was on a hold, then the funds cleared, but then I was trying send a payment to my credit card and the payment would not go through. I called Chase on XXXX XXXX XXXX and they let me know that my account had been restricted and was pending closed within the next 24hrs. When I asked why, they said that they could not verify the maker of the check and subsequently results in the check being flagged and account being closed. Then after being sent to multiple people I was instructed to take this issue up with the payroll company issuing the check. I did and they sent me a confirmation showing that they funds has been posted on their end and there should be no reason for the bank to hold my funds. So I called Chase back on XX/XX/XXXX, and spoken to another person and he relayed that there was nothing he could do and there was no verification in their database for the maker of the check. Which was interesting to me considering this check is issued by XXXX a payroll company that partners with the XXXX XXXX. Studio in XXXX XXXX, CA. Which is where I worked and got the check from. He told me to keep calling back because the check could possibly he verified at some point. No specific date, or time frame. Just at some point, if not after 2 years the fund will be handed over to the state, in which they will deal with it. I gave him the office number for the payroll company, but he told me he couldnt call and verify because the number didnt populate in his database. So I asked him how I was ever going to receive my money if he or anyone else who works for Chase is not allowed to call unverified numbers. Again how am I supposed to receive my funds if they can not verify. Upon further inspection I saw my last name and address were spelled incorrectly in the check which leads me to believe I was flagged for fraud. I have contacted the payroll company and have escalated the matter to their higher ups as well. Chase also claims I will receive a cashiers check for the other balance I had prior to depositing the check.Thank you, and look forward to being in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently had to dispute multiple charges on my debit card after it was stolen from a restaurant. PayPal not only denied and refused to raise these claims, they actually completely closed out my account and locked away over {$1200.00} in funds. I have had a PayPal account for many years and have had it reviewed in the past with no issues, the problem is they are saying the account is closed indefinitely, and that all of my funds are going to be held for 180 days. I am a small-small business that is just me, myself, and I. I need this money released to be able to purchase items for the customers orders. Customers are not going to wait 180 days to be able to get their orders fulfilled ( what PayPal is telling me it is going to take 180 days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/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 non-monetary relief