BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A couple months ago, I noticed an additional savings and checking account appeared on my online banking app from Wells Fargo. I never opened them. When I called them they refused to close them and said they'd deactivate them and monitor them. After several more phone calls they finally agreed to close them- they didn't, they sent me emails and letters saying the accounts were closed but when I went into a branch office today to close my actual accounts, they advised me that those fraudulent accounts were still opened, just deactivated. 
I told them to close all of my accounts as I no longer want anything to do with them. They said they couldn't close them all and I should call an 800 number tomorrow ... Saturday? 
This is fraud at its core! Wells Fargo- you're fired! This is the same behavior that you were sued for previously. The only reason you don't want to close those accounts is it was YOU that opened them without my permission! It wasn't a hacker like you claim... it was you.

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 2023-01-02
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
For XXXX over XXXX years I have been asking Experian XXXX AND XXXX to correct my personal information from my credit file the bureau refused I have been denied credit apartment or I may never get a job because personal information did not match when I apply for credit I submit to the credit bureau several time a copy of social security card my passport card copy my driver license copy of my tax bill from the IRS the credit bureau listed I was born on XX/XX/1978 my date of birth is XX/XX/1978 SSN # XXXX my current legal name 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 2023-01-02
Company: ALLY FINANCIAL INC.
State: WI
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:
Ally finance shared my non public information without my permission in XXXX of XXXX, in XX/XX/XXXX, in XXXX of XXXX and also XXXX of XXXX. As a result I have unfairly been denied credit. Under Fifteen United states code 1681 sections B & C by furnishing information to my credit report, the company has also committed identity theft against me. 

Ally finance also violated Fifteen United States code 1681 S-2 as I have previously contacted the company to have them remove the items. This company has also violated Fifteen United States codes 1681-E, Fifteen United States code 1681-I, Fifteen United States code 1681-N as well as Fifteen United states code 1681-O. The company also violated Twelve CFR 106.7, I never received a opt out notice either. Please help me remove their name/business 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 2021-07-23
Company: ResidentCollect, Inc.
State: TX
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 have been disputing this account with the credit bureaus for sometime now. Each time they would say that Innovative Recovery would verify the debt. So I took it upon myself to ask Innovative Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX I made a XXXX payment of {$600.00} to XXXX XXXX whom was supposed to to sale me a XXXX XXXX, they told me I have to send when they arrive its policy, I sent {$600.00} when they sent me the arrived picture I go downstairs no one there and Im blocked on everything, I explained this to my bank they told me in 1-10 business days money will be credited back in my account and a decision will be emailed to me in 30 days. A week later I called after not receiving a email or anything related to this claim to find out they declined my dispute without any actual reason, I filed again XX/XX/2023 after hearing claim denied to later go through the same situation and theyre basically telling me since I used a third party to send the money ( XXXX XXXX who I used through their app they cant retrieve the fund disregarding my proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Reporting company used your report improperly

Complaint:
XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2020 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In 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 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 2023-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
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:
On XX/XX/XXXX, I sent a letter to Transunion disputing 2 separate accounts listed with XXXX XXXX requesting verification. On XX/XX/XXXX, Transunion only responded with " verified as accurate '' which did not provide me verification as I had previously requested. On XX/XX/XXXX, I sent a 2nd letter requesting Transunion to provide me with the procedure and documents used to verify this account was accurate as listed. Transunion did not respond. ON XX/XX/XXXX, I sent another request and listed the reasons why these 2 accounts were not accurate and sent a copy of where XXXX had deleted both accounts because they were unable to verify accurate results and once again, Transunion never responded. On XX/XX/XXXX, I sent another letter requesting their method of verification, and they responded on XX/XX/XXXX just with verification. Transunion never provided me with documents or any information as I requested in how they validated this account was reporting accurately. Transunion failed to properly investigate the accuracy of these 2 accounts - If they had done so properly as they stated, they would have found the same results as XXXX  and been unable to verify thus removing both accounts from my files.

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 2023-03-26
Company: EQUIFAX, INC.
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: 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. 
Account name : XXXX XXXX XXXX Account number : XXXX Account Name XXXX XXXX XXXX XXXX  Account number : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: CA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NV
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a check into my checking account with chase bank. It was upload thur the mobile app. It cleared and the bank put a hold on the check. I ask why was it on hold and I was told. Its a possibility it could be fraud or a bad image or the check was altered. So chase told me that the check will come back as fraud and once it do they will close my account. I told them that check is not fraud. I wait the 7 days and the check did clear. So they told me if it do clear no matter what there still closing my account. They also told me they will release the funds in the form of a check and mail it to me. And still close the account. I havent yet receive the check. Still waiting for it to come in the mail. My concern is why is my account being closed if the check has cleared. I never had any issues with my account. And chase isnt it giving me any explanation to why. This will effect my banking history. Please Help me with this matter. Im not being treat fairly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a XXXX customer. Since I became a Citizens Bank customer I have not been able to access my new account. I have not received a debit card and I am not able to open an online account. Since XX/XX/2022 I have been trying through numerous phone calls to remedy the problem. The post office in XXXX or XXXX does not function well. I want the bank to send me a debit card via XXXX XXXX envelope. I am willing to pay for the freight charges. They refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In 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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2023-03-27
Company: EQUIFAX, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Cascade Collections, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cascade Collections in XXXX, Oregon state in written form ( XX/XX/XXXX ) that a debt of {$820.00} was owed and that if I didnt pay or respond by XX/XX/XXXX that I may be taken to small claims court.

The actual amount owed was {$660.00}. Collection agency stated above, lied about the amount owed. Ive paid the debt in the amount Cascade Collection falsely claimed I owed under the assumption that I may be taken to court otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX ACCT # XXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In 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 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 2023-01-02
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: CA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.

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 2023-01-02
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:
Im accordance with the fair credit reporting act XXXX XXXX  XXXX account name XXXX  XXXX XXXX ( account # XXXX account name XXXX XXXX  ) ( Account # XXXX account name XXXX XXXX XXXX  ) ( Account name XXXX XXXX  account # XXXX ) account name XXXX account # XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: TX
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 fraudulent information on my credit report. Almost my entire credit report is fraudulent. I am unaware of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Account status incorrect

Complaint:
This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-12-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation