BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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, XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have utilized my information without proper consent. Reporting and selling my information to each other. Giving promises of credit. Hindering me from life, liberty, and the pursuit of happiness to live freely. Therefore the information which is being reported to my consumer credit profile is false. 15 USC 1681s - 2 states that a person must not provide information about a consumer to a CRA if they know or have reasonable cause to believe that the information is inaccurate. Per 15 USC 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. All of these agencies are third party agencies and did not have my written consent to disclose my personal information for any basis of inaccurate information being furnished on my consumer credit profile. The 3 main credit reporting agencies : XXXX, XXXX, & Experian have been known for their deceptive practices, unlawful dealings of publishing false information on consumers credit profiles. They have also breached my rights under the Privacy Act of 1974. The Federal Educational Privacy Act ( XXXX ) for sharing my personal information with these agencies for monetary value. These companies, knowingly and willingly continue to disregard the FCRA Law, FDCPA & FTC guidelines which they all sign under their Indenture Trustee/Trustee/Servicer/Depositor SEC Forms . It is a VIOLATION!!!!

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2024-02-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I experienced Identity theft at BMO, Bank of Montreal US branch ( BMO N.A. ).

A checking account was opened under my social number at BMO. 

I received an email that my account application was pending on XX/XX/2024 and XX/XX/2024 ( Reference code XXXX ). I received an email that the checking account was opened on XX/XX/2024. 

I made an initial phone call to BMO customer service on XX/XX/2024 at XXXX pm to report the case. The XXXX  gave me the wrong information saying there's no account under my social number. However, when I checked using my email and social number on their website it was registered as a user already. They also informed me the wrong website address ( i.e., identitytheft.com ) to report my case instead of ( identitytheft.gov ) The case was reported to the local police on XX/XX/2024 ( Ref # XXXX ; XXXX XXXX XXXX # XXXX ) and IdentityTheft.gov ( Ref # XXXX ). 

In the second phone call to BMO on XX/XX/2024, they acknowledged the fraud activity and informed me that the report was made and it is under control without providing further information including a reference number. 
I experience great difficulty getting proper actions from the BMO. 

I emailed them to send me a written confirmation with all the details and closure of the account. I have not received their response yet.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX continues to willfully violate the law. Ive made XXXX XXXX aware on multiple occasions of the adverse, inaccurate information their furnishing on my credit file to the consumer reporting agencies. As a Creditor pursuant to 15 USC 1602 ( g ), XXXX XXXX has failed to submit proof of compliance with 15 USC 1666b and as a furnisher under the Fair Credit Reporting Act has failed to provide such compliance as sufficient evidence to support the conclusion that the late payment information, transactions and experiences being furnished on my credit file to the consumer reporting agencies is verified and accurate. XXXX XXXX has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, the evidence XXXX XXXX as made available is insufficient to establish the truth and verification of the disputed information. Under the statutory framework, XXXX XXXX as the furnisher must report that its investigation concluded that the disputed information can not be verified and must delete any mentions of the missed payments while continuing to report other information about the account. XXXX XXXX inability to comply with the law has caused me extreme emotional, physical and financial hardship. As a federally protected consumer, I am now revoking and opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX, written, unwritten, verbal, and nonverbal in the furnishing of my nonpublic personal information, transactions and experiences to ALL consumer reporting agencies immediately & indefinitely per 15 U.S.Code 6802. Pursuant to 16 CFR 313.7 ( f ) & 12 CFR 1016.7 ( g ) a consumer may exercise the right to opt out any time. In accordance with 16 CFR 313.7 ( e ) & ( g ) & 12 CFR 1016.7 ( h ) & ( i ) XXXX XXXX must comply with the consumer direction to opt out as soon as reasonably practicable after receiving such notice and such direction to opt out shall be effective until the consumer revokes it in writing or, if the consumer agrees, electronically.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and impatience with the ongoing presence of fraudulent accounts on my credit report. It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
Account Details : XXXX XXXX XXXXXXXX -PLEASE DELETE!!!! 
XXXXXXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. To address this issue, I have previously taken the following actions : The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on 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 2024-01-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email stating that WELLS FARGO responded so the CFPB again closes my case just because they responded but the CFPB failed to adequately examine the evidence that were provided to them from WELLS FARGO. In the letter WELLS FARGO submitted as evidence, it specifically states that We apologize that we are unable to meet your request and provide specific reasons for this process. To do so would jeopardize the integrity of our investigations. Our records show the claim documentation that we can provide was mailed to your address on file XX/XX/2024. We have enclosed a copy for reference. They are literally saying we cant provide you evidence but we are going to willfully and intentionally deny you your securities because the transaction were valid and was not made in error. In order to make that legal determination there has to be some evidence but again they have failed and refused in providing evidence to their legal claim. The so called evidence that sent to me on XXXX XXXX which I sent copies to the CFPB were just computer generated Bank Statements and according to a previous case filed against WELLS FARGO, bank statements are false and Misleading representation of evidence and omitted from material facts. Once again that have refused to provide any evidence of their determination but has continuously deny and refuse to reissue my securities, at this point I see no other option but to take this to Federal claims. They also stated that page 20 of the Deposit Agreement States that was signed by myself and WELLS FARGO states what a deposit account is but I read it 4 times and no where does it describe a Deposit Account is or isnt. ( see attach )

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 2024-02-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting 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 am aware that, despite customers providing precise information, you have been employing pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand this to be illegal since each customer complaint requires individual consideration and handling based on its own merits. 

My letters have been composed and generated using readily available software accessible to everyone. Refusing to process or address my letters would constitute a violation of 15 U.S. Code 1681i. It is against the law to delay processing consumer letters based on the assumption that third-party assistance might be available, as this does not qualify as a legal exception. Whether authored solely by me or with the knowledge and consent of my advisors, I am the responsible party for any letters bearing my name. Failure to respond promptly to my correspondence will be viewed as a willful disregard for my customer rights, leading me to contact my lawyer and pursue legal action. 

In accordance with FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted standard of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe to be incorrect. The proper documentation and validation of all data in a consumer 's file before being made available for creditor use are crucial. Consequently, I treat this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I will not tolerate any misinformation linked to my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report holds significant importance. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their non-compliance with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements should not occur. Ensuring accuracy and adherence to appropriate formats mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX is crucial. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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