BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: CT
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:
During the periods that these account where open I was incarcerated and never opened these accounts. The accounts use a middle name that I never use and these accounts have the wrong address and contact info. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I contacted Wells Fargo on XXXX XXXX because the agent told me they had the overdraft is enabled and it allows transactions to go through and Ive been charged {$35.00} over 5 times. 

XXXX XXXX - XXXX overdraft fees XXXX XXXX - XXXX overdraft fees I asked Wells Fargo to stop allowing transactions because theyre profiting off the overdraft fees and never allowed them to approve these transactions if theres no funds inside the account

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 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX  has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.      XXXX  is the one who put the fraud alert on the report then they notified  XXXX  and Transunion to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: AL
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : 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 2019-01-17
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This complaint is about XXXX government benefits card, issued by Comerica bank. I had such a card in XX/XX/XXXX, and I stopped using it for my XXXX XXXX XXXX direct deposit, as I switched to XXXX XXXX. In XX/XX/XXXX I closed my XXXX XXXX account, and contacted XXXX to start again. My previous XXXX   account had a balance of XXXX cents, so rather that re-sign me up, they issued a new card. The representative told me they could ship it for free, or charge me {$13.00} for expedited shipping. Since I had already called Social Security and I knew my XX/XX/XXXX XXXX  payment was going to be by mail, and paper check, I told her No, I do not need or want expedited shipping. She sent it that way anyway, and my XXXX  balance is now -XXXX ( negative, which is the {$13.00} fee minus the XXXX  cents that wase in the account. ). I have called Social Security, The U.S. Treasury, XXXX   at least 8 times. XXXX submitted a claim, but eventually told me they saw no evidence that I did not ask for expedited shipping. I recorded the call, and have offered that recording to every agency I contacted, and I get NO response. I even went to a local branch of Comerica Bank, on XXXX XXXX in XXXX XXXX, and they advised me to close the card. BUT I AM NOT allowed to close the card, since it has a negative balance!!! I WANT MY {$13.00} back!!! I want someone to listen to this phone call, and hear me explicitly decline expedited shipping!!! I even explained to the representative that there was no point, since I was expecting a paper check in XX/XX/XXXX!!! Please help me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We are a small and legit XXXX XXXX that is operating for XXXX years now. We have been notified via letter today that our business account with BOA is going to be closed today. The decision was made earlier in the month and we were not provided any further explanation as to what caused the closure of the account. 
It will affect our agency tremendously and our patients as we will not be able to proceed with our payroll and other payments that are related purely to patient care. 
Furthermore, we are definite about that there was and could not be any suspicious activity or risks that could have led to this decision. 
Current funds are not available and it jeopardizes our ability to continue providing services. 
The magnitude of the consequences of this kind of unexpected and unfair decision drastically affects the population we serve and us, as a small and hard-working agency. 
Please provide any advice to remedy this situation that leaves us helpless and on the brink of closing the agency affecting at least XXXX employees and their families. 
It is impossible to sustain as a small business owner with competition on the one hand and unfair systems on the other.

It is imperative to stop this kind of action where our rights are being violated with no further explanation provided. 
Your response is much needed and appreciated. 
Looking forward to hearing from 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 explanation
Consumer complaint received 2020-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an Experian credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX XXXX XXXX mortgage account # : ( XXXX ) balance : {$XXXX} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX  ( XX/XX/XXXX ), XXXX/XXXX  ( XX/XX/XXXX ), XXXX   XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.

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 2023-02-25
Company: EQUIFAX, INC.
State: CA
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a XXXX XXXX can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 has violated my privacy rights by reporting information on a closed account. 

15 U.S.C 1681 section 602a States that I have a right to privacy. 

This account has been paid and closed. 

XXXX has removed this item and I would prefer XXXX and Transunion to do the same.

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 2023-03-15
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:
XXXX XXXX XXXX  changes its name to XXXX XXXX  put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think Experian is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.

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 2021-12-03
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. transunion has me at a score around XXXX. That is a huge differenceXXXX transunion  paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2017-05-05
Company: CITIBANK, N.A.
State: SD
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 tried to respond to the complaint  XXXX  and was unable to so I had to file a new report. I am tired of Citibank bullying me. I am going on  XXXX  and have had to go to the doctor 's several times with  XXXX   XXXX   XXXX  and   XXXX   XXXX   because I am so   XXXX    over the reporting between  Citibank a nd   XXXX   XXXX   for identitiy fraud on my account. I spoke to someone who was understanding about this a couple years ago and then I get this new person who refuses to remove the false reporting on my profile. I have filed a police report, went to identity FTC and I have also went through your company CRFPB to try to stop this false reporting. I read the letter where  XXXX   XXXX  of the  Fraud d epartment accuses me of using the money to benefit me and put it into my bank account. I have asked this guy to provide me with the bank account because I have only had  XXXX  bank accounts in the last 20 years and a savings account and ira. I have NEVER had a   XXXX   XXXX   account in over 20 years so this is not my dealings. You said I said something about my son in law, I never said my son in law had anything to do with this because he was a victim of identity theft as well. I am tired of this mess and I did n't want to spend the  XXXX  on an attorney that I couldhave paid for this account but because I did not do this and it is a matter of principal,  I will retain an attorney I am also contacting the main CITIBANK and reporting this man who is accusing me of lying and benefiting and stealing from Citibank. I am done with this now. I thought that CFPB would  not close the case and was on the side of the consumer, well, trust me, I will prove that I am not the one who authorized this account at all. This account was made when I was in  XXXX   XXXX  and I am not responsible for it. There were many people that should have not been in my household and around my neighbor 's house in  XXXX . Yes, I lived in  XXXX  before this but I did not start Citibank account or  XXXX  or a  XXXX  account. I am demanding by right, the proof that you have on the bank account that I " benefited '' from immediately. If it is found that anyone in my family was responsible, they should be held liable or responsible NOT  Myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
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 Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX 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 2023-08-03
Company: Experian Information Solutions Inc.
State: NE
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:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry

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 2023-06-27
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was solicited for a bonus offer from American Express. However upon application, I was instantly denied due to prior cancelled accounts. If Amex knew I would n't be approved sure to prior history, why am I being solicited in a deceptive manner. This seems very unfair and hurtful considering I was solicited directly by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2016-09-03
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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