BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I copied the following email that explains what is going on. I had a business checking and savings account with XXXXXXXX XXXX  a division of BBVA Compass in XXXX, Alabama. They took money from my account and won't give it back and gave me no reason. They also closed their XXXX XXXX in XX/XX/2021 and now I'm afraid I really will never see my money. I contacted XXXX XXXX  today and emailed them. I want a cashier 's check. I just want my money back. It's mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX, Owner of XXXX XXXX XXXX XXXX, XXXX. 

On XXXX XXXX I tried to send money to XXXX XXXX XXXX XXXX XXXX amount of {$48000.00}. The local bank manager, XXXX XXXX XXXX would not release the money to XXXX. I have attached a screenshot of the transaction in this email. 



Account Name : XXXX XXXX XXXX Bank Name : XXXX XXXX  Routing # : Account # : Account type : Checking account XXXX address : XXXX XXXX XXXX, MN XXXX So, I am trying to get my money back. XXXX was told to communicate to me how I can get it back and that is to have my branch send a " hold harmless agreement '' and to get the name and info of someone to speak to directly. 



My bank is called XXXX XXXX It's not a branch where you can walk in and deal in person. It's a virtual bank, thereforefore you must email to get any communication started. 



I am cc'ing XXXX XXXX in this email in hopes to get that process started so, I can get my money back. It's been a long time since I have been trying to get it back. I have new clients that are coming on board. 

I need to finalize this transaction to move forward with them. 

I hope and pray you can help me with this. 



I just want to point out that my name is real. It's on my ID and birth certificate. I've been accused of committing fraud. Some organizations think I'm using a fake name or a business. 

It's a real name, XXXX XXXX XXXX. I have been treated with racism trying to do business and build myself up over the years. Maybe this is part of why XXXX couldn't receive money. I assure you my name is real and if you need a copy of my ID I can supply that. Us Native Americans get treated horribly since assimilation. Some of us like myself are trying to come up out of the pit of poverty that the United States Government put us in. I'm just trying to make an honest living. Noone in my company or affiliated with my company is committing fraud. 



XXXXXXXX XXXX, can you reply to all when you respond to this email please? 



Most respectfully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: AES/PHEAA
State: CO
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 Talked to the department of Education as soon as I noticed this late payment hit my credit report. I was in Forbearance at the time and it should have never showed up as late. Now unfortunately this caused my score to sink! I called Department of Education and they agreed to get it deleted from my credit report. I called to follow up at the beginning of the month and asked for a specific date as to when it would be deleted and they told me they would not delete it! their calls are being recorded. this needs to come off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft. I demand that you remove the items listed to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given this information to you, please correct my file or I shall proceed with getting my attorney involved!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
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 information incorrect

Complaint:
I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making XXXX to XXXX qualified payments on my student loans and only have XXXX payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a XXXX XXXX XXXX XXXX and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.

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 2018-08-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Experian is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA 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 explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IL
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Choice Recovery, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The original debt of {$130.00} was not only paid discharged, this collections agency has reported the wrong date/year to the credit bureaus, resulting in a negative collections entry of {$160.00} on my credit file/report at the credit bureaus and a removal date of XX/XX/XXXX. This suggests that the original date/year of delinquency to be XXXX. This is incorrect. I have contacted the company multiple times to inform them of the status of this debt, but they refuse to acknowledge the information I give, and they refuse to take action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX and Transunion have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2018-10-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
They will not honor my online request ( filled out at their website ) to freeze my credit. They give no explanation and do no provide a human customer service rep to speak with. The website says I will need to send them ( through the US postal service ) very personal information, including Social security number, gov. issued photo ID, a utility bill, D.O.B, etc. in order to fulfill my request. All this info could be intercepted by someone ( stealing mail is very common crime these days ) and used to open accts in my name.

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 2023-10-25
Company: EQUIFAX, INC.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
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: Account information incorrect

Complaint:
I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making XXXX to XXXX qualified payments on my student loans and only have XXXX payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a law, XXXX enforcement agency and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : 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 2023-04-06
Company: Experian Information Solutions 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-12-21
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: OH
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 noticed a collections account for {$100.00} on behalf of Spectrum, from a company called XXXX XXXX had again surfaced on my credit report. As a result I filed a dispute with Equifax and XXXX on XX/XX/XXXX. I expressed my frustration with this being the 4th time this item had shown up on my reports, but this account was settled on XX/XX/XXXX with a collections collections company called XXXX ( auth code XXXX ). It cleared my bank account on XX/XX/XXXX. I was offered and paid a settlement amount of {$28.00} to close out the account. I made XXXX XXXX collection agents aware of this and I shared this via my dispute with the bureaus and told them if this harassment continues, I will file a lawsuit against XXXX and the reporting Bureau. With the above stated, this complaint is directed at Equifax, because despite filing a dispute, they lowered my credit score by 19 points two days later, while the dispute was still under investigation. Subsequently, XXXX because a dispute was being investigated, did not lower my score. Actually, they increased it by a couple of points due to continued debt decreases. This is grossly irresponsible of Equifax being that a dispute was filed and they can easily check their records to see how often this has surfaced on my report and then removed via previous disputes that I should not be penalized. It honestly feels retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-04-21
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my fiancee was scammed into believing he was getting a loan for {$870.00} which was put into his account and he had pulled only {$220.00} out of said laon, which into his knowledge it was a scam and within less than 5hrs Wells Fargo Bank put a hard hold on his account and would not let him take anymore funds out but would not explain anything to him. They just shut down his account which is where his SSI is deposited too. Now they are not even giving him the chance to explain the situation they just severed all relationship with him without even letting him file anything because they assume that it was his doing which I have all the evidence on my phone showing he was scammed and they were trying to do it to me as well.

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