BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was vacationing in XXXX on XX/XX/XXXX and my phone and credit card was stolen out of my pocket while walking down the street. I closed the credit card and reported my cell phone as stolen with XXXX, XXXX, and the XXXX Police XXXX On XX/XX/XXXX I received a text message from an unknown number telling me that my phone was found and I had to log into XXXX to view it's location. After inputting my phone password I realized I had been victim of a phishing scam to access my cell phone. About 30 minutes later I check my email and got a notification from Wells Fargo that I had used XXXX to send {$1000.00} to " XXXX XXXX. '' I was able to track my call phone and it was in XXXX when the transaction occurred. Within 2 minutes I call Wells Fargo and report the fraud. They interview me and tell me they will open a case. A month goes by and I don't hear anything from Wells Fargo so I call them to get an update on the case and they tell me that my claim was denied. They said that after " conducting an investigation '' they found that it was not fraud and the transaction had been authorized. I asked how they were capable of conducting an investigation without giving me the opportunity to provide any evidence. They then sent me to a de-escalation team. I asked to appeal the case and they person I spoke to told me that there was nothing they could do and they could not reopen the case. So I hung up the phone and called again in an attempt to talk to someone new, and the new person told me that they would reopen the case and they would send a letter to me home with information on how to submit documents to aid the appeal. The letter never came. So I call again about 3 weeks later and again I was told they could not reopen the case and there was nothing they could do. So i hang up again in an attempt to get someone new and the new agent offers me an opportunity to reopen the case and gives me the fax number to submit documents to aid my claim. So I submit the location that my phone was at when the transaction occurred ( XXXX, while I was in Florida ) and the police reports I filed when my phone was stolen. It is currently XXXX weeks since I submitted these documents and Wells Fargo still has not communicated anything with me about the claim or why they continue to deny it.

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 2023-01-13
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have incorrect information reported by Credit Acceptance on my credit report, I have disputed this matter with XXXX, XXXX, XXXX, & through the CFPB. Credit Acceptance has XX/XX/22 Account Balance {$16000.00} reported to XXXX & on XXXX report is {$16000.00}. This is a direct violation under the FCRA and Im invoking my rights.

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 2020-03-26
Company: Early Warning Services, LLC
State: GA
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:
Are reporting an account that was resolved between me and XXXX XXXX. And as off today ( XX/XX/20 ) I have 2 active accounts with XXXX XXXX. Have tried to dispute negative on account but was rejected!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: LA
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 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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: Was not notified of investigation status or results

Complaint:
Please be advised this is my fifth WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2023-02-11
Company: WELLS FARGO & COMPANY
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX # XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$66000.00} ; US DEPARTMENT OF EDU XXXX Balance : {$3600.00} ; US DEPARTMENT OF EDU XXXX Balance : {$2900.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-07
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
on XX/XX/2022 I drove myself to the XXXX XXXX per orders from my XXXX doctor office. I had passed out at my home, after I woke up, I tried to make an appointment with my doctor 's office. and they ordered me to go to the ER, I walked into the ER and they admitted me. I spoke with the nurse and ER doctor, and he wanted me to stay, and I refused, I told him I was following the orders of my primary doctor 's office. He told me I could stay for a few hours to make sure. I was drugged and woke up, in a upstairs room where the nurses said I was staying for XXXX XXXX XXXX days. I demanded to be release, and the nurses argue with me and I demanded to speak with the head nurse, I demanded to be release, because I did NOT feel save in a hospital room, she told me I would need to speak with my assigned doctor, I walked out the next day and suddenly I started to get phone calls and letters demanding payment. My medical insurance pay for the ER visit I was never authorized for me to stay in the upstairs room. 
I am being harassed with phone calls from bill XXXX. I spoke with the hospital administrators and expressed my dissatisfaction on how I was drugged and force to stay and there was only a minor setback on my health due to stress. 
I was given a prescription for XXXX. I need these bill XXXX to stop the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
When I reviewed my Credit Report there are still erroneous accounts that are included in my file. I sent a complaint earlier this year specifically on XX/XX/2023, to dispute these accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$18000.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband XXXX XXXX died in XX/XX/XXXX, and I visited BOA downtown XXXX XXXX location with all paperwork after finding his empty checkbook. I'd already tried to change his banking passwords, as I had his email access, but I couldn't get in. 
After an hour spent downtown with banker XXXX XXXX, I was eventually told I had to make another appointment with a notary after the Death Certificate was issued even though I already had a different letter from the county. ( Due to XXXX, the morgue was months behind in issuing official death certificates ). 

Visited Notary at the XXXX location ( XXXX ) with XXXX etc to complete papers. Notary assisted, though something had to be re-faxed a few days later for missing a form number or signature. Explanation unclear, papers faxed. 

XXXX : received closure completion guaranteed via email ( have this ) from the original banker XXXX XXXX at the downtown location. Then I never received anything or heard back. I followed up by email in XXXX and never received a response. 

XXXX : Visit XXXX branch with paperwork and to ask where things were. Updated new apartment number. ( There was a delay because I lost my ID and could not provide it to update the records. In my paperwork, it looks like the notary didn't sign?? the first time?? ) XXXX : Start complaining on XXXX, hear from several BOA SM/PR associates. Receive a phone number, finally get someone on the line. Was told I never had a banker assigned my case ( not even original banker XXXX XXXX ) but now this is resolved. Was told something was sent in XXXX ( I moved apartments in XXXX and already wrote to them. ) Was told they would send a new check. Did not. 

XXXX ( XX/XX/24 ) after tweeting again, was given a call with a phone number to check the tracking information for an express check. Called number, left message, never heard back. 

I have some of these phone calls recorded.

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 2018-08-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid XXXX XXXX a deposit via opening a Care Credit account before possibly having work done for XXXX. This work was not done. XXXX XXXX gave a credit back to the account. I called Care Credit this year and the customer service verified this credit balance to XXXX XXXX and thus I used the account to have XXXX dollars work done. I should have at least XXXX dollars credit left. I then was billed and the account shows a debt of XXXX. 
I was incensed to find out that customer service has no record of the negative balance preceding the work at XXXX XXXX. I am being charged late fees too and should have that removed. 
I paid XXXX just to keep my good 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 explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
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 recently obtained a copy of my consumer report and identified several late payments reported on my XXXXXXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX Account # XXXX ( Reported late payment dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX  Upon reviewing my credit report, I have discovered that these late payments are in apparent violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681a 2 ( A ) ( i ), which states : " Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Additionally, the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion

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 2023-01-07
Company: EQUIFAX, INC.
State: MD
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:
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 : 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.

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion is incorrectly reporting that my last name is XXXX. My correct last name is 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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXXXX/XX/XXXX XXXX, GA XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXXBalance Owed : {$0.00}XX/XX/XXXX XXXX Balance XXXX : {$520.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Balance Owed : {$850.00} ( Original Creditor : XX/XX/XXXX ) XXXX Balance Owed : {$240.00} ( Original Creditor :XX/XX/XXXX ) XXXX Balance Owed : {$50.00} 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 2023-01-07
Company: Experian Information Solutions Inc.
State: MD
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:
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 : 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.

These accounts on my credit report I do not recognize. The following accounts are fraud accounts and need to be removed immediately. 
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