BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
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: Old information reappears or never goes away

Complaint:
The US Dept of Education is reporting false information on all 3 credit bureaus - they put on XXXX that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on Experian and XXXX they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The XXXX false reporting i already have a lawsuit filed in the US District Court of XXXX XXXX Case No. XXXX. 
On Experian and XXXX- the false reporting did not happen until after i already filed the lawsuit against XXXXUS Dept of Ed . I showed both Experian and XXXX that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against XXXX and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of Ed and also name Experian and XXXX in the 2nd lawsuit. 
FYI- I also showed Experian that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from Experian but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.

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 2021-04-06
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:
FCRA violations : XXXX XXXX  XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Never lived there Never lived there Belongs to another person with same or similar name Identity theft Residence type is inaccurate Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : WF XXXX Amount of Transaction : XXXX I have disputed this charge TWICE now with Wells Fargo, and after six months, nothing at all has been done yet. The first time I disputed the charge, Wells Fargo closed the dispute without telling me anything about it at all. I asked them why they closed it, and they tried to tell me they sent me an email requesting more information. This was a lie. Anytime they send me an email, it goes to my online account, and there was no record of them sending me an email. When I asked them to show me this email, they couldn't do so. I re-opened the dispute about 2 months ago, but again, nothing at all has been done with the dispute. They've never once contacted me or the merchant for any information at all.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-20
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX & XXXX XXXX mine and my wife 's checking accounts were hacked when 2 unknown parties were able to open up accounts and transfer {$2500.00} and {$2400.00} out of our checking account via XXXX without our authorization. USAA investigated the issue and originally ruled in our favor on XX/XX/XXXX, restoring access to our accounts and XXXX refunded us the money. My wife moved the funds to another internal checking account within USAA just to keep it safe. Then on XX/XX/XXXX, USAA shockingly reversed their decision and not only rescinded the refund, but also charged us an additional {$5000.00} to the checking account my wife transferred the funds to leaving both checking accounts with a negative balance of thousands of dollars. After doing a review and a re-review of the investigation, USAA claims that there was no fraud, and my wife somehow willingly gave out her login credentials to these random people that we don't even know, which she did not do. We wouldn't even give out our credentials to other family members, let alone some complete strangers. I was originally told that when the investigation concluded that I could speak to one of the people who investigated the claim, if it didn't go my way, to review the evidence they had to support their claims. After the re-review concluded I asked to speak to one of the investigators and was denied. I recently read an article yesterday that the Texas state AG reported that USAA experienced a data breach back from XX/XX/XXXX to XX/XX/XXXX and shortly afterwards we were hacked. The report said thousands were affected and no reports on the location of clients who were impacted. I have been a member of USAA for over 18 years and have never been treated this poorly before. We are devastated and would like to see our accounts be credited the amounts that were removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Titan Revenue Solutions
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:
TITAN REVENUE IS MISTAKENLY REPORTING TO MY CREDIT. PLEASE SEE RECEIPT OF MY RETURNED EQUIPMENT FROM THE ORIGINAL CREDITOR " XXXX XXXX XXXXXXXX XXXX ''. PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2022-09-15
Company: DISCOVER BANK
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been experiencing suspicious activity from my XXXX bank. Ive made complaints and the organization was not taking my concerns seriously. I ordered cards and changed my security and suspicious activity continued. I did not feel like my funds were safe and decided to create a new checking account. 
On XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking account due to some company update. I told myself, Ill wait and make savings account to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank. I realized I transferred everything leaving me with {$0.00} to cover for daily expenses like gas. I transfer {$60.00} back from discover to XXXX but my card was locked and became suspended. Ive even paid 1 or 2 bills using my discover ACCT # and R # discover since I couldnt use the XXXX card. Yesterday XX/XX/22, I moved {$250.00} from XXXX to discover, and then discover sends an email that my account is suspended for suspicious activity and provided me with no explanation. I called them and I was informed that the bank made a decision to close the account. They did not provide an explanation. I filed a complaint with them. I do not understand whats suspicious about me slowly transferring all my funds to Discover. The worst part of it all is that they are withholding my {$500.00} for 60 days and I have a major concern with that. That does not sound legal to me, I need someone to help me resolve this or to at least reconsider opening or sending {$500.00} as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 on a XXXX. I received a text message and email notification that a XXXX XXXX has been replaced on my account. I now realize that I did not receive a notice from a new sign-in on my account. Also, I called the XXXX number and a male answered the phone, he denied being part of the scam. I personally do not know anyone in XXXX, Michigan, so I am more confused. Immediately changed back to my number and called CHIME, who did not take my allegation seriously. I changed my username, password, and pin, and requested a new card. I also noticed that all my saving funds were transferred to my checking and I transferred it back. Ive also kept the card LOCKED. And requested a new one which I still dont have. The next day around XXXX XXXX  on XX/XX/2022 an attempt to debit {$500.00} was made. I am sleeping at this time ; how could this happen? It dawned on me. I am suspicious of a CHIME employee. How can someone keep attempting to debit from my account and get through XXXX, which is all linked? AFTER, requesting a new card, guess what? I am still getting transaction attempts how is that? They also took {$10.00} for a tip. Why and when have I ever tipped them? I called informing them this was not something Id done. I was told it could have been a mistake and it would be returned, I still dont see a return. Who else has access to my card info and my account? I have never lost my card info or had it stolen. I have not given anyone my information to use. I need help. This situation with CHIME has cost me emotional stress and financial. To the point, Ive been shopping around for a more secured bank account. I was moving over to discover bank and they shut my savings down, not realizing I have been trying to slowly transfer my funds over and trying to catch up with bills that are attempting to take from CHIME. I would like to know whos behind all this activity and compensation of some sort. 

In the attachment, I included proof of someone is still using my card to make purchases from XXXX for {$39.00} and {$1.00}, I did not do or know who this organization is. Plus, this is XXXX XXXX, and never up this early. Another today at XXXX XXXX  for {$1.00} through a XXXX XXXX XXXX. 

Last nights transactions to my XXXX were all me as I have been desperately trying to get everything out of CHIME, but also paying bills, because I DONT have a DEBIT CARD for daily expenses, so I keep the card LOCKED the majority of the time. I need help because CHIME is not doing anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Consolidated Recovery Group, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Consolidated recovery group has placed a neg account on my credit report they have violated my consumer rights I never received notice that I owe a debt. I never signed a contract with this company nor have I given them permission to share any of my personal information I have asked that they verify the debt they claim They have not done so I demand that they delete the account of my consumer report This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, XXXX XXXX XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous, and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At some point in 2011, a representative from XXXX XXXX called my house and talked to a family member. The caller was trying to sell us credit cards. The family member, my husband - accepted the offer. Without consulting me, he gave the person my social security number, as well as his own. I *never even spoke to the person, * and I never would have accepted the offer of another credit card. I thought the card was my husband 's, when I used it *once* - to pay my annual dues to the XXXX XXXX XXXX XXXX I paid the amount due upon receipt. 

Two years later, I got a letter from an attorney, XXXX XXXX, who claimed to be suing me on behalf of XXXX XXXX, for over {$2000.00} in fees and interest. I wrote Ms. XXXX immediately XXXX per the legal requirement to dispute it within 30 days XXXX, to tell her that the " debt '' in question was not mine. 

During the last month - over ten years since the original card was improperly issued, I have gotten letters from lawyers and bills from a collection agency - for that same " debt, '' which is not mine and should not be deemed to be mine. The lawyer was actually, and appallingly, pitching a proposal whereby I would use the money I will receive due to the CARES act, to " repay '' the creditor. I believe this is called " zombie debt '' - with an additional appalling bid to get a hold of money being sent to all Americans to provide relief during an unprecedented and devastating health emergency ( one which has deeply affected my family ). I am attaching copies of several relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
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:
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.

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 inructions 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 non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity .

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief