BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: WA
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:
I have noticed a late payment being reported on my consumer account : XXXX XXXX XXXX XXXX according to 15 U.S. Code 1681a A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report late payments are my consumer transactions and experiences reporting this is a clear violation of the FAIR CREDIT REPORTING ACT. Update the payment history to current for XX/XX/XXXX and remove all late payments on the XXXX XXXX XXXX XXXX, date opened is 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 explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: TX
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 asked the credit bureaus to do a verification of everything on my credit report, they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did full research. In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # ending in XXXX, XXXX XXXX ending in XXXX, all XXXX XXXX XXXX  Accounts ending in XXXX all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 someone called from the phone number XXXX claiming to be XXXX XXXX. The said someone my be fraudulently using my phone number to set up a new Zelle account at XXXX XXXX. I said that it was not me so they gave me a case number XXXX and then asked me to enter it into my Zelle app along with the name XXXX. I then realized that this case number was a phone number and that this was a scam trying to get me to enter this info and then make an actual transfer to them. So I hung up and later verified with Zelle that this is a common scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  opened a checking XXXX savings account with Wells Fargo Bank in XXXX XXXX, XXXX XXXX deposited {$78000.00} in our checking account. At some point we transferred some money to the savings account. We are not sure of the exact date at this point but somewhere around XXXX of XXXX all of the money then in our savings account was transferred out, without our knowledge or authority, by Wells Fargo Bank, allegedly to a company with whom we were in dispute at the time. When checking our savings account XXXX seeing what had happened, we immediately went to the bank XXXX demanded to know what had happened. We talked to everyone who would speak with us XXXX no one offered any explanation. We were told by XXXX person that a company had submitted legal papers to the bank XXXX that the bank withdrew the money XXXX gave it to that company. We asked to see the papers. Wells Fargo refused. We asked for the company name XXXX contact information XXXX Wells Fargo refused to give us any information. We were left with no recourse XXXX tried to find information on the internet, other banks, legal advisers. No one could get Wells Fargo to help us. We had no recourse except to hire legal counsel XXXX we could not do that because we could not afford 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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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: EQUIFAX, INC.
State: NJ
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:
THey refuse to remove fraudulent inquires from my file even though i have sent them a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX Report Number # XXXX XX/XX/XXXX XXXX XXXX  collection account added in XXXX report, Credit score dipped by XXXX points XX/XX/2023 : Raised dispute to XXXX XX/XX/2023 : Got response from XXXX without any details XX/XX/2023 : Decline new credit card due to derogatory comments I am writing to dispute against credit score impact ( related complains XXXX and XXXX ) due to collection account listed on my credit report under XXXX  account # XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original creditor for this account is a medical providerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the account is related to in-home medical services rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 
Lack of Communication : I havent received any written communication either from original creditor XXXX  and collection company XXXX XXXX XXXXXXXX XXXX XXXX  ) regarding accounts being transferred or sent for collection. Dispute was raised through XXXX, have XXXX verified if XXXX have followed all the procedure as per Fair Debt Collection Practices Act ( FDCPA ). Can XXXX have proof of any mail correspondence from XXXX to me for this account. 
Lack of Validation : I have not received adequate validation of this debt and proof of services as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I havent received any details from XXXX against dispute filed against this account, what all aspect XXXX have validated before account was added to credit report and during dispute resolution. 
Lack of Customer focus and voice : Being customer to XXXX and exceptional credit history then why credit bureaus dont have pro-active policy to re-check facts before adding collection account and credit impact. If a customer has raised a dispute, then why XXXX dont have additional safety for customer to first investigate and not to let such account impact credit score.

Clarity on Credit score : How credit score is calculated, what is weightage of third-party medical debt and why a collection account has too much impacted-on credit score while 30+ other accounts are 100 % in good standing?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX00}

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 2023-01-13
Company: Law Office of Brett M. Borland, P.C.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023, I contacted the Law Office of Brett M Borland, P.C.Spoke with a person named XXXX at XXXX at extension XXXX. I had asked a bunch of questions because this would be XXXX of XXXX conversations regarding a debt I owed but was never notified of by XXXX at XXXX XXXX. XXXX became extremely upset by my questions and she said " I don't know your living situation, but this will show up on your credit report, and if you try getting into another apartment this will show up. '' I found the entire situation uncalled for and to be told something like that when all I was trying to do was understand, was severely unnerving and made me so much more scared and stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 2023-01-13
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX, I opened a checking account with Citibank is response to a promotion they had giving {$1000.00} to open a checking account and deposit {$75000.00} in the account After speaking to a rep on the phone they confirmed the promotion, stated my edibility and let me know to expect an account opening package in the mail. I received this account opening package notifying me my account number was to be XXXX. 

On XX/XX/22, my girlfriend initiated an online bill pay from her account at XXXX to fund the initial deposit. The amount she transferred to me was {$76000.00} For some reason, Citibank accepted these funds then froze my account and removed access. They refuse to return the funds to me or my girlfriend. They've essentially stolen this money We have tried to get them to return the funds. They will not At this point they owe me the return of the intial deposit along with the payment for the {$1000.00} promo ( which we met all the terms for and they've had the money so long we met the amount of time the funds needed to be on deposit to qualify ). We are also asking for interest paid from the date of deposit along with reimbursement for th notary fee we had to pay to write a letter they requested in order for them to return the funds Additionally, we are asking the CFPB to investigate and hold Citibank to account for what must be several violations of the law. A bank can not be allowed to attempt to steal money and falsely advertise promotions in the way Citi has done here. 

If I can be of any assistance in the return of our funds, the payment of interest and promotions and/or helping to hold Citibank in violation of any and all laws, state or Federal- please contact me at 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 2022-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA will not allow me to acces my 10 thousand that is in my account on XXXX XXXX I have to call them cause I had been having problems using my debit card that is when I was told that they closed my account then I asked why and was told that it was their right to do so mean while. USAA did not give me the proper notice that it was closed to allow me me to make arrangements to have my direct deposit changed so now no one will return my call and they told me to wait 60 days this is not my fault they failed to inform me now Im XXXX  with my children no one calls me back I want my money th is is not good banking business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
LexisNexxs failed to provide me a copy the CLUE report they created on me. 
I demanded a copy of the information maintain in their file on me, and LexisNexis stated it will provide the information in two weeks, Two weeks passed and LexisNexes did not provide a copy of my CLUE report The insirance agent provided that the report received from LexisNexis indicated accidents which is my fault and that is a FALSE statement in all material acpecs. 
THUS ; I requested a copy of my report ad LexixNesxis refused to provide my a copy, they stated " more time is needed to provide me a copy '' which is a false statement in violation of the Creitid Reporting act.

LexisNexis is falsely reporting and is in violation of the Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I reported a fraudulent charge in the amount of {$30.00} to a Macy 's store in Florida on XX/XX/XXXX. I pressed them for months to provide an update and resolve the situation since I had never set foot in the store and my card was never out of my possession. Note that the store in question was over 1000 miles away from where I live and I have never traveled to that city. I was finally given a temporary credit on XX/XX/XXXX. A week or two later, I received a letter indicating that the charge would stand and the credit on my account was reversed on XX/XX/XXXX. No details were given to support the decision - signature proof, ID shown ( the back of my card indicates See ID and again never left my possession. To be clear, I have never been to Macys XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, FL XXXX nor has the other authorized user on 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 2023-06-16
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capio partners is a third party company that is based out of Texas, but I live in Florida and do buisness in Florida so that violates code 15 usc 1692b ( 2 ).

Second, Capio partners recieved bought my information without my consent so this is also identity theft. Which is also illegal.

Last they also reported inaccurate things to my credit report. For example investigate : XXXX doesnt even have it reported at all, column Date opened, column last reported, and column date last active all are inaccurate with different information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
we attempted to get more information from 1 of the MANY phone calls they make but they weren't very helpful. 

We sent the creditor a debt validation via USPS on XX/XX/19 it was delivered on XX/XX/19. We till this day have not received any letters from the creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2023 XXXX XXXX reported a unauthorized inquiry to my Transunion Report and I wanted to notify someone so that it could be corrected

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 2019-07-13
Company: Experian Information Solutions Inc.
State: UT
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:
Experian continues to have inaccurate information on my credit report I cant get updated. They are showing I have 2 collections on my credit. I have zero. They are showing a balance on XXXX XXXX- that account has XXXX balance as of 2 years ago. They are showing balance on XXXX- that account was paid off last year. They shoe XXXX XXXX XXXX on XXXX XXXX XXXX- that account was paid off 2 yrs ago, they show a balance on XXXX  XXXX- account paid off 2 yrs ago. They are showing a high ; incorrect balance on XXXX. Since Experian is set up to not be consumer friendly its hard to stay aware of the issues they present. They also have my name as XXXX XXXX XXXX. That doesnt even make sense and I can assure you I have never tried to go by that 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 non-monetary relief