BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Kriya Capital, LLC
State: AL
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, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Financial Credit Network Inc
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-12
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION TO UPLOAD SUPPORTING INFO FOR DISPUTES. 
COMENITY/OVERSTOCK ACCOUNT XXXX IS SUDDENLY APPEARING AS OPEN HAS BEEN CLOSED FOR TWO YEARS AND I DID NOT OPEN IT. 
THE OWNER IS NOT COMENITY BANK THE SUBSCRIBER REPORTING ACCORDING TO INFO ATTACHED HERE.

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 2022-11-13
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo had no right to treat me the way they did. Why did they allow my 1st account to remain open for as long as it was? From XXXX. They weren't exercising their rights to close my account until XXXX XXXX said I harassed her. 

XXXX XXXX also lied when she said she couldn't go back seven years. When she sent my bank statement from my 1st account. Not the second one that they closed. Why did she refused to send that account. Because I would prove I did nothing wrong for them to close my account. They wanted to wrong me and side with XXXX XXXX. 


I do not want XXXX XXXX to respond to my complaints. She is a liar and false accuser like XXXX XXXX. With her saying I wasn't treated wrong which I was. When they closed my checking account based on XXXX XXXX setting me up and falsely accusing me of harassing her. While I was at the bank opening my new account. All the employees were staring at me because XXXX XXXX had defamed my character. Which XXXX XXXX denies that never happened. XXXX is also lying when she says this happen outside of Wells Fargo Bank. When this incident happened inside a wells fargo branch.in XXXX XXXX. Where XXXX XXXX falsely called 911 to falsely accuse me of harassing her. Wells fargo even admitted in writing it was due to her falsely saying I harassed her at the bank. Even though I was told at the 800 number to visit a local, branch to open my new account. Why did they allow me to have a new account? If they were just going to close it? I never harassed XXXX XXXX she always harassed me but falsely said I did it to her. Because she knew people would side with her even wells fargo against me. I have nobody on my side and this is a direct violation of my civil rights. When XXXX XXXX told me. Why don't I take my " XXXX  XXXX SON '' back to my home? Like she owned my property and me. Both my two wells fargo checking accounts were wrongfully closed. Only for wells fargo to force me to visit a local wells fargo branch to open the new account. Then XXXX XXXX lied saying they can only go back 7 years for my checking account information. Well she went back 10 years when my account was open in XXXX and was closed in XXXX. Why didn't wells fargo not exercise its right to close it during those periods of time. Why is wells fargo refusing to send my new checking account information which they closed in XXXX? Why are they SCARED to send it. Because they know I never harassed XXXX XXXX for them to close it. I did nothing wrong for them to close it. 


Wells fargo had no right to treat me the way they did. Why did they allow my 1st account to remain open for as long as it was? From XXXX. They weren't exercising their rights to close my account until XXXX XXXX said I harassed her.

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 2021-08-24
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX, the consumer, extended credit in a consumer credit transaction to SECURITY FINANCE on Wednesday, XX/XX/2021 for {$1100.00} via my credit card ( 15 U.S.C. 1602 ( l ) ). In the agreement, SECURITY FINANCE were false and misleading and did not give full disclosure of the rightful original creditor. SECURITY FINANCE violated 15 U.S.C. 1602 ( p ) which states, " The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. '' I received no benefit from the use of my credit card and demand remedy. SECURITY FINANCE did not disclose my right to rescind under the Truth in Lending Act as well. 15 U.S.C. 1635 ( a ) states- " Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. '' As you will see in the contract that is attached, there is no disclosure whatsoever. On XX/XX/2021, a notary sent a Right of Rescission , Cease & Desist, invoice and an Affidavit of Truth via an Affidavit of Notary Presentment. SECURITY FINANCE did receive my documents, but I have yet to hear anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-06-14
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : 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 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 explanation
Consumer complaint received 2021-08-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My card got an offer from American express for " let 's go shop small '', got {$5.00} credit after spending {$10.00} or more, maximum 2 credits. I selected the offer, and made two purchases in the shops which are in their map, but never got any email confirmation and also the credits. I did this last year with the similar offer, and always got the email confirmation shortly after the purchase, and got the credit days later, but this time, something is wrong, so I chatted with the Amex customer support person, they confirmed that something maybe wrong, so they opened an investigation for my case ( case ID is XXXX ) in XX/XX/2021. After that, I chatted with them for more than 3 times for the status of my case, but so far, no any results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dear Consumer, The Division of Banks ( Division ) is the regulating authority for state-chartered institutions in the Commonwealth of Massachusetts. Citizens Bank is not a state-chartered institution, but rather a federally chartered institution ; as a result, Citizens Bank falls outside the Division 's regulating authority. Citizens Bank is regulated on the federal level by the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB may be reached at XXXX or at the address listed below : Consumer Financial Protection Bureau po box 4503 Iowa City, IA 25544 www.consumerfinance.gov ( F ) ( XXXX ) XXXX The Division appreciates your correspondence and hopes that this matter can be resolved with the appropriate regulating authority. 

Regards, XXXX XXXX XXXX  Massachusetts Division of Banks From : XXXX, XXXX XXXX XXXX XXXX ) XXXX Sent : Monday, XX/XX/2022 XXXX AM To : XXXX Consumer Assistance XXXX Subject : complaint against Citizens Bank Importance : High CAUTION XXXX This email originated from a sender outside of the Commonwealth of Massachusetts mail system. Do not click on links or open attachments unless you recognize the sender and know the content is safe. 

Citizens Bank, update made to website has blocked all your members from accessing their loan and bank information. Complaints made to individual banks and impossible to get help from customer service representatives The website does not recognize my information and instructs me to contact customer service. The chat option on your website is not activated, there is no email option, hold times are downright insulting ; for technical support 1 hour wait time. How can a bank treat customers like this. I even tried the corporate office phone number posted ( XXXX ) but it just disconnects mid-ring. If not resolved Ill be forced to go to another bank. 
I can't access my accounts. Feel I'm being forced to do online banking when I don't want to except to view my accounts. There's other who wrote complaints on Citizens corporate web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX @ XXXX I bought 5 gift cards for {$1900.00} as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX # XXXX - {$500.00} # XXXX - {$500.00} # XXXX - {$500.00} - card has never been replaced. they still have my {$500.00} # XXXX - {$200.00} # XXXX - {$200.00} I paid for the cards with my debit card. Went home had coffee, sat down to sent cards out. first card I went to pay a bill, gave the lady the card number and thought I was finished, the lady said no there is no balance there. Went back to XXXX to have them unlock the cards. I got a store manager to help me. The manager call AMEX and had them look up the cards and was shocked to hear what he heard, first card was used on XX/XX/XXXX and was repacked. The manager said how can that be that card she just got the card today this morning. All cards used except for XXXX {$500.00} was still good and AMEX requested a replacement card for it. I waited XXXX days for Both replaces cards were no good. Still have not received another one. At that time I wanted a replace check instead but AMEX said no. I have cried till I cant anymore and fighting this battle. I am suppose to get married at the time this happen and had to rescheduled the date. I did some research and found out that XXXX XXXX news broadcast gave some light on the gift cards scam warning from XXXX and how many people were getting screwed by them and their policies. This is not the first time for me, the second one happened just a few days ago, XX/XX/XXXX, XXXX, {$180.00}. I got this card for a birthday present it was bought at XXXX and it was XXXX balance when i got it. I called AMEX and they had no words for me but offer to send a replace card. I got the replace card XXXX weeks ago and it was good until XX/XX/XXXX. I called on XX/XX/XXXX and there card had XXXX balance. the lady gave me information that someone called XXXX on XX/XX/XXXX and used {$170.00}. and she also gave the ID XXXX and the transaction was completed yesterday XX/XX/XXXX. The lady asked my name and I gave it to her and then the lady quickly said she couldnt give me any more information and hung up. Now today I am writing out of anger, frustration and concern for other people who have gotten hit or will get hit if this isnt put out to the public. There is enough scams going on in this world.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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:
In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to XXXX, Equifax and XXXX along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from XXXX they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: PA
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:
Ive spoke with the company about this matter letting them know I didn't have any knowledge. I didn't authorize anything with my written consent. PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: IN
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 my issue numerous times to try and resolve it. I have submitted a dispute every 90 days starting on XX/XX/2022. Nothing has been done and no information has been removed from my report which is harming me and my family in the end.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion reported an unauthorized hard inquiry on my credit. I do not recognize nor authorized XXXX or XXXX XXXX to pull a hard inquiry on my credit. TransUnion also reported my employment to be incorrect showing wackenhut. This is negatively impacting my credit! I attempted to contact TransUnion and they said I need to do this in writing

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