BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX XXXX  and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # XXXX   XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX , I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Wellsfargo announced a while back that they were closing out all of their personal lines of credit. There was such a huge push back from all of their customers that they decided to leave them open. Apparently, some time later they decided to begin charging us a yearly fee to force us to close it. The problem is that if you haven't been using the line of credit, you have no way of knowing that you owe the fee. There was not an email alert to go out or anything mailed to me. I found out about this fee that has been on my account for months and I'm unsure if it will affect my credit score. I was told that it " should '' not. I was given the option to pay the fee and keep the account, or pay the fee and close out the account. I think that is robbery for an account that I never use and to be forced to pay fees to keep a credit score. If I close out this account I am expecting my credit score to decline since I've had the account since XXXX. I may also see a drastic decrease in my credit score if they report this fee as past due. I was told that this fee has been on my account since May but have never been sent an email or anything about a past due balance. I now want this fee reversed and the account closed. I will take the hit on the credit score before continuing to do business with this bank. The only reason I was even aware of this fee is because I signed into my account to check their mortgage interest rates. When you're in the market for a home the last thing you need is a decrease in your credit score.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-07-14
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Several times this month Ive been in contact with Equifax every time I try to login it gives me this error code to call customer service so I called customer service and they tell me I need to change my user name clear cookies oh different kinds of stuff that we do every single time I cant get in and I need in since my identity was double into years ago. Ive been trying to fix the problem, but I cant get into that credit bureau to dispute and authorized inquiries and charges. Theyve even told me that I cant log on on a laptop or an XXXX, I never heard of this thats a new one. I keep getting the runaround all I want is somebody to tell me why I keep getting this message on every device I try I dont have a membership so Im not late on low payments. I dont know why I cant login I have need in there. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On or about XX/XX/2023, I initiated a transaction to pay my XXXX XXXX credit card payment through the online bill payment system at my bank, Capital One. The amount of the payment was {$3600.00}. On the morning of XX/XX/XXXX, I checked my bank account and saw that the payment was actually sent to XXXX XXXX, rather than XXXX XXXX. The payment said pending, but when I called Capital One, I was told that since it was an electronic payment, they could not stop the payment. I filed a dispute on the payment with Capital One, which they declined because they said that I directed them to send the payment to XXXX XXXX, and that XXXX XXXX had " accepted '' the payment. They provided me with a credit trace # to track the payment with XXXX XXXX. I do not know if it was my error or the bank 's error that caused the money to be sent to XXXX XXXX instead of XXXX XXXX. I have called XXXX XXXX XXXX XXXX and I have gone into the local XXXX XXXX store. XXXX 's tactic has been to transfer me in a loop to various people in their foreign call center and to deny that they have received my money. I have spent hours on the phone with them and each time, I am transferred to at least XXXX different people, none of whom are willing and/or able to give me a definitive answer about whether or not XXXX received my money. I have had to take money from my savings account to pay the actual credit card payment to avoid having to pay late fees and interest. So, I have spent XXXX XXXXXXXX in less than a month. I am not sure if the credit trace number I received from the bank is a " confirmation '' that XXXX actually received the funds or if it only means that an electronic transfer was attempted. In any case, XXXX is telling me to talk to the bank and the bank is telling me to talk to XXXX. But each one has closed the case and refused to admit that they have my money. The bank at least provided written notice that they closed the case. I have asked them to reopen it. XXXX XXXX is refusing to help me at all. I only know that the case was closed because that's what the customer service person told me when I called to inquire about whether XXXX XXXX has the money. At this point, it seems that I will need to go through the time and expense of taking legal action to recover my funds. This is very unfair to a consumer. When I asked the bank to reopen the case, they said I would have to wait 15 days to get an answer. Meanwhile, I have bills to pay and I have no assurance that the money will be returned to me at that time. I have suffered both mentally and physically as a result of Capital One and XXXX XXXX ' handling of this erroneous payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks. 
Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )

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 2023-10-02
Company: Jon Barry and Associates, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had to have lab work completed in XX/XX/XXXX, the company requesting payment XXXX XXXX XXXX XXXX XXXX Maine, I had to file XXXX complaints with their patient relations department regarding these charges. Twice the day I had the lab work drawn as they could not figure out how to enter my insurance information into their computer system and I provided them with a copy of the card, the registration rep still could not enter it and made me self pay. I had to call patient relations to get it resolved. Never heard anything again. I then get a bill from them in XXXX of XXXX prompting a call and they are telling me its not self pay charges its what I owe for not meeting my deductible. I never got an EOB, I never got an invoice until 14 months later, I called did not get it resolved and reported to patient relations again. I called Paragon review once I got the collections notice as I was never given any answers from Innovative Health who assured me a callback from a supervisor in XX/XX/XXXX. I told this information to Paragon that I am disputing. This falls under the No Surprise Act. I was never given any opportunity to make payments, never provided a EOB and would pay charges that were mine but I am not paying for " surprise charges '' especially when I did due diligence to rectify this before it got to collections. This is Innovative Health Error and they are responsible for the charges. I take my credit very serious and I pay my bills, that is why I am taking all necessary steps to fix this even though I tried several times before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: TX
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: Billing dispute for services

Complaint:
I have tried on several occasions to reach Equifax, I have emailed, called, stayed on hold, no response. They say they will call back, again no response. They have charged me a fee of XXXX and I am not getting that service. When you go to their website all it gives you is an error, but I have been charged. The XXXX time I did get someone, while I was on the phone with them, I received an alert that says my Equifax email was updated to the existing email I already have. I have never changed my email. I questioned the agent, who is offshore, all he said was " so what do you want it to be ''. He then sends me some text alert. He never acknowledges my concern. I try and call back of course as usual, never receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-07-24
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: 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. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2021-10-14
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The 3 Credit Bureau is reporting inaccurate information on SW CRDT SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS 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 items DEPT OF ED/XXXX XXXXXXXX Balance : {$7300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$44000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$20000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$22000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF ED / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$22000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF ED / XXXX XXXX Balance : {$44000.00} DEPT OF ED / XXXX XXXX Balance : {$20000.00} DEPT OF ED / XXXX XXXX Balance : {$2400.00} DEPT OF ED / XXXX XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2022-09-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have the following on my credit report comenitycapitalbank XXXX the date they have that was open was XX/XX/2015 the balance was paid in full and need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}.

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 non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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