BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am missing one of my Wells Fargo Credit Card account on my XXXX Credit Report. My account from Wells Fargo : XXXX is not reporting on my XXXX credit file. The account disappeared off the file about 3 months ago although it is still open. The account has a credit limit of {$2000.00} and this is affecting my credit utilization rate tremendously. I need this problem fixed as soon as possible.

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 2023-07-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by mail by FCO, Fair Collections & Outsourcing , Inc.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX, regarding a purported debt consisting of purported rental arrears. The letter claimed I had a lease with the landlord and failed to pay according to its terms. 

I asked them to validate the debt and they sent me a lease commencing on XX/XX/22, which is after every item on their purported rental ledger. 

In fact, there is no lease or any other document to support my liability for rent through the period on the ledger. 

They have threatened to report this fraudulent debt to credit reporting agencies as well as litigation.

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 2021-05-27
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
i save my cryptocurrency on blockchain wallet, i later detect about their interest account so i transfers XXXX ETH on XX/XX/XXXX to the interest account on blockchain and on XX/XX/XXXX i transfer XXXX XXXX to the interest account, on XX/XX/XXXX i was contacted by blockchain to provide my source of wealth and i provided all the documents they asked for and i didn't read from them again, i even sent emails to asked if everything is alright but i didn't get a reply, so on XX/XX/XXXX i already had XXXX ETH in my interest account and i have XXXX BTC in my interest account too so i decided to withdraw XXXX out of the ETH in my interest account to my private wallet and i got a confirmation email which said the XXXX ETH will be available in my private wallet by XXXX of XX/XX/XXXX and by XXXX of XXXX the ETH hasn't been in my private wallet account and i didn't read from them so i contacted their support and i was told my account was been review and they will get back to me soon, on XXXX XX/XX/XXXX i was contacted and i was told i had an unresolved issues with blockchain, according to blockchain the issues happened XX/XX/XXXX and i remember immediately is about the documents they asked me to provide and i explained i already provided this document so i was asked to resend the document which i did and they acknowledged receiving it and promise to get back to me soon and they haven't get back to me up till this moment, so on XXXX XX/XX/XXXX i decided to withdraw all my ETH and BTC from my private wallet account and i also got a confirmation that it will be there on XXXX XX/XX/XXXX, by this time am writing to you my blockchain wallet account is XXXX, i have talk to the support so many times and they keep telling me to be patience that my cryptocurrency are safe and i will soon receive it in my private wallet and i haven't receive it, please am tired of been patience and this is really affecting my health because i can't just lose all my fund. i feel blockchain is trying to scam me or they used my cryptocurrency as a loan and they are finding it hard to retrieve the loan so they are using delaying tactics. i find out a lot of people are having this problem but no one is ready to speak out, some said it took 3 to 4months before getting it back. i will appreciate if blockchain wallet is contacted and asks to make my cryptocurrency available as soon as possible. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have sent multiple letters this company asking them to remove information they are reporting on my credit report that i did not aurthorize or do not know. they continue to respond they need 60 days but the FCRA states thatits only 30 days but they been continue to speak that evertime i send proof XXXX show how this company continues to violate my consumer rights.Comlain # XXXX the same results over and over.

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 2022-02-12
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my XXXX, and XXXX report. 

The accounts in question that still remain to be an issue are DISCOVER, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to XXXX, XXXX, and XXXX. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against XXXX and XXXX. 

For the past 3 years I have been submitting dispute after dispute to XXXX and XXXX concerning DISCOVER, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the XXXX side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the pasXXXX XXXX years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. Discover reported the debt as first being delinquent on XX/XX/2019 and on XXXX of 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from XXXX or XXXX. Instead I just keep getting generic computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS IS A MOBILE PHONE AND IS UNLAWFUL TO CONTINUE TO ROBO CALL THIS NUMBER AND I AM NOT AFFILIATED OR KNOW THE PERSON THEY ARE CALLING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hi so I received a Bank of America EDD card about 2 years ago and I filed for identity fraud and filed a claim for {$8000.00} something hot dollars and another one for {$2000.00} something dollars and it's been 2 years now and it's still being investigated without any provisional credit or anything I believe something should have been done by now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from XXXX passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that XXXX will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I contacted XXXX XXXX about erroneous crit reporting practices and those accounts do not belong to me and this company is continuously reporting the erroneous account, which is causing a hardship for me, I can't gain certain employment or housing due to these circumstances.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The alleged debt has inaccurate information represented in it. In XXXX of XXXX, I submitted a dispute about the inaccurate information to XXXX. They responded that the information was valid, I requested proof of the validity but never received it. 

The alleged debt is reporting as a delinquent account that was opened on XX/XX/XXXX. That is inaccurate. The account was opened with this company on XX/XX/XXXX of XXXX. It says that this is a 1 month account but my policy was for 1 year. It says that the original amount of the account was for {$800.00} but my monthly payment amount was {$320.00} so that number is inaccurate. Almost every piece of information related to this account that the credit bureaus are reporting is inaccurate even though I have submitted contrary information, it has not been updated to reflect any piece of accurate information. 

XXXX is reporting my date of delinquency as XXXX of XXXX XXXX reports my date of delinquency as XXXX of XXXX and Transunion does not report a date at all.

Company response to consumer: In progress
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without 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 2023-06-03
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There's accounts on my credit report that I don't recall having knowledge about. I would like to have them removed as soon as possible indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: AL
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:
Several inquiries and credit cards that arent mine have been reported to my credit report and have not been removed. I have sent in multiple disputes and nothing has been resolved :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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 Reporting Act, XXXX account # XXXX with XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. Stated I have the rights 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 2023-07-31
Company: Experian Information Solutions Inc.
State: PA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I took it upon myself to notify my sister 's mortgage company. I called and told them that she was in the hospital and she was not able to pay her bills. they took my name, address and phone number at that time. 
My sister passed away on XX/XX/XXXX, at which time I began the process of becoming the personal representative of her estate. 
I was unaware that her home was in foreclosure due to Pennymac not notifying me, although they had all of my information. 
While on a zoom call on XX/XX/XXXX for a conciliation conference, I spoke to a lawyer appointed to me. It was at this time that he gave me the information to submit a complaint. He agreed that I had a valid complaint. 
In the meantime, my sister 's home went under contract. 
I think under the circumstances that the foreclosure fees of {$3900.00} should be reimbursed or not be paid at the settlement on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NC
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 have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIANXXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-11-21
Company: EQUIFAX, INC.
State: IL
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 my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; CXXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Our XXXX payment feature has disappeared without notice or reason and we do not know who is to blame, as both Citizens Bank, XXXX and XXXX blame each other. 

Please investigate and advise.

Company response to consumer: Closed with explanation