BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: PA
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've noticed that these accounts and loans are unauthorized on my credit report and is affecting my credit score. I am asking that the following accounts be removed being as though they don't not belong to me. According to the FCRA any false information should be removed from a consumers report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 2021-07-03
Company: General Motors Financial Company, 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: Old information reappears or never goes away

Complaint:
I have disputed with all three credit bureaus with regard to GM financial which is an account over 7 years old yet still being reported. With the las dispute they actually reported a date of XX/XX/2021. This is not in accordance with the fair use credit reporting act reference 609. I would like this account removed in accordance to the 7 year statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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:
This company illegally procured me a motor vehicle financing loan without a license. They did this for the entire loan they also contracted with a towing company who's business was tax forfeitures and did not have a non consent towing license

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 2023-08-16
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
I received my XXXX  report and TD Bank indicated that two transactions of {$20000.00} were returned on XXXX XXXX XXXX  This information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 2021-07-03
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 fraud alerts or security freezes

Complaint:
I wrote 2 letters to all 3 major credit bureaus to remove all extended fraud alerts and regular fraud laerts and the companies still have not removed the alerts. I sent the letters in XX/XX/2021 and XX/XX/2021.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a complaint on XX/XX/2023 complain # XXXX .However i requested the credit bureau to Experian to send me a detailed desscription of the investigation according to 15 usc 1681i ( 7 ) No later than 15 days and they never furnished the requested information .They did reply and said the information has being verified and still they are reporting improper information on my credit file .Attached is a copy of my credit report with the information reported which is not accurate XXXX XXXX XXXX XXXX XXXX XXXXXXXX No late payments on those and again verify the balance. 
XXXX XXXX XXXXXXXX Not my account, Its a corporate account company owned by my XXXX XXXX. 
XXXX XXXX XXXXXXXX Not my Account According to 15USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 2023-01-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
Long story short Wells Fargo closed my business account for the absolute wrong reasons. They gave me no in depth reason other than I being a risk even though I have not changed my business practices for over XXXX XXXX. I am a small business and several other small businesses have gone through the same

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 2022-09-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Attorney general XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX Texas 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 2021-07-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase account has been in review since XXXX XX/XX/2021. The company has not provided with any information nor have they responded to my correspondence other than providing with a support case number. 

They have also blocked me from ending emails to support and have demanded I stop requesting support. 

My account has a balance of less than XXXX  USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I recently reviewed my credit file and saw errors. I contacted Transunion via phone and certified mail dating back to XX/XX/2021 and have not gotten anywhere. They have placed this negative account on my file with no verification provided to me. It is in accurate and needs to be permanently deleted now as this is damaging to my attempts for employment and home ownership, and with this negative info on my report. It had cause me to be denied fir my home loan and employment.

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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one has been holding my money hostage since XXXX XXXX XXXX I sold a car over the XXXX  and had {$6000.00} deposited via XXXX. Almost immediately they froze my account for review. I called and explained the situation. I explained said person gave me {$4000.00} in cash and sent the remainder electronically. I even offered to provide the transfer of title and show them the conversations between I and this person. Since then Ive learned that this person is trying to scam me and reported the transaction as not authorized after they sent me the money. Once again, I explained this situation to Capital One and offered to show receipts of messages back and forth between this person. It has been over two months and the only responses I have received from Capital One is generic emails saying my account is under review. I received an email even stating my accounts were closed however they would transfer any remaining balance to linked accounts. That still has not happened. I am still able to login and see the balance in the account but it says it is unavailable for withdraw. How can they just hold on to my livelihood like that for months? I need this resolved immediately and they wont even consider the fact that someone is actually trying to scam me even after providing proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIRD COMPLAINT AGAINST PHH MORTGAGE SERVICES It has been over a month that my insurance company issued checks to repair my home from the Woolsey Fire in CA. We were declared a national disaster. PHH Mortgage has given me wrong and conflicting information regarding the Exception that WAS granted as evidenced by their letters dated XX/XX/XXXX and XX/XX/XXXX. A representative from their " escalation '' department also confirmed on XX/XX/XXXX that my checks had been returned to me and in accordance with this letters. However, she gave me wrong information and the checks arrived not endorsed by the bank today. 

You will see from the attachments to this complaint that on their online portal, my information ALSO reflects the Exception -- in that all I needed to do was complete repairs and do a final inspection. And now ... they had the audacity to send a completly contradictory letter a week later dated XX/XX/XXXX stating they want to hold my money, do their own process and are ignoring the fact that OVER 50 % OF THE REPAIRS ARE ALREADY DONE. 

This is added insult to injury. It is also causing severe economic damage to me and my family because I can not even attempt to go back to work until the inside of the house is completed. I need my insurance payments to do these repairs immediately. It is appalling that banks are allowed to get away with their lack of accountability! They need to honor their original letters from XX/XX/XXXX and XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone opened a car loan using my stolen personal information. I have sent them an abundant amount of information to prove my identity theft claim. They are still trying to say it's a valid account and ruin not only my credit worthy and also pretty much put me in a situation to become homeless. I have applied for over 5 different home loans and have gotten denied to rent or own due to this fraud account. Im so lost at what to do next I feel the next step is to sue this company. They have violated several of my FCRA rights. Whoever opened this fraudulent account, the detective that is working my case believes they know me very personally. I had and still have a fraud alert on my credit that states to contact me before issuing any services or goods and they failed to do that. They have never attempted to call, text or email me anything. I only found out about this account when I tried to apply for my home loan and was denied and I immediately contacted them and sent over all the requested documents. I have sent the information over to them several times. I believe what they are is against the law. Im going to continue to fight for my rights. Its sad that I'm already fighting to regain my identity back and now have to have with this company. I have found out about 37 different accounts that were open and out of all them Im only have problems with two To give advise to any consumer looking to purchase a vehicle or get a credit card STAY AWAY FROM XXXX XXXX XXXX and XXXX XXXX. they will not help you if anything like this happens to you, its very sad.

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 2023-06-05
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
It has been 3-4 weeks, call to notify I lost my credit card ( Security service credit union ) . The person helping me didn't get the help I needed to send a credit card. They didn't send me no letter, email, or any closings my account. It come to my attention that I have notified XXXX dealership 3 verbal in person ( 1 ) salesman ( 2 ) finance personal. I notify them I have XXXX  at work and XXXX XXXX XXXX XXXX XXXX Is there anything we can do to bring down the monthly payments. They looked at me and gave me a smile like saying it your puppy. I mentioned to them, when I was been fly XXXX, when I got XXXX XXXX XXXX I told them no charge, the credit card company didn't bother to send me my credit card from security service credit union. I will never trust another XXXX dealership.

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 2023-01-23
Company: EQUIFAX, INC.
State: CO
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 recently in XX/XX/2022 sent Equifax a letter to have them investigate an account that is on my credit report and is reporting inaccurately. I included a letter from the creditor that was sent to me stating they had requested removal of this account. 

I have not received any notification that Equifax even investigated this item nor have they removed it. 

I've included the copy of the letter I sent to Equifax and the letter that the creditor sent showing the account was requested to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
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:
n 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

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 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 kindly request the immediate removal of unauthorized inquiries and identity theft-related account from my credit report. Additionally, I insist on blocking the fraudulent XXXXXXXX XXXX account. According to FTC laws, I have the right to a 4-day removal process for such issues. I request swift action to rectify this matter. Thank You! 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would pay for something and it would take 2weeks to post and when it did I accumulated multiple overdraft fees

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-08
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the debt that a collection agency is attempting to collect from me, the debt is a result of identity theft. 
First and foremost, I want to emphasize that I have been a victim of identity theft from a XXXX data breach. I have strong reasons to believe that the debt being pursued by the collection agency is not incurred by me, as I have never engaged in any transactions or activities associated with the alleged debt. The information provided by the collection agency as well as the original creditor, specifically the statements of when the debt was used, does not serve as definitive proof that I am responsible for the debt. It is crucial to understand that the mere receipt of statements does not establish my involvement in the transactions.

Company response to consumer: Closed with explanation