BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: I.C. System, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX {$440.00} XX/XX/2023 last updated on report XXXX XXXX XXXX XXXXXXXX {$560.00} balance updated XX/XX/2023 I.C. system, INC XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I havent made no open accounts or made no financial attempts with my name or social these accounts are not mines or do i know what they are. 









XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are In VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENTG IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: AXOS FINANCIAL, INC.
State: OK
Product: Credit reporting 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:
There are different inquiries on my credit that are unfamiliar. I do not recognize the following inquiries : 1. AXOS XXXX XXXX XXXX 2. AXOS 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I.C. SYSTEM, INC has added a collection entry to my credit report. This was added XX/XX/2021. The entry has the original creditor being : XXXX XXXX. I have NOT been sent a letter or received a call to dispute this erroneous entry. I DO NOT live in XXXX. 
The account number listed on the credit report Is : XXXX, for the amount of 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-09-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting 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:
There are several inquires that are on my credit report that were done without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
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:
Bank closed my account without warning and without reason, and has not reimbursed me for the remaining balance.

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 2022-05-23
Company: EQUIFAX, INC.
State: NC
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 DEPT OF EDUCATIONXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and Equifax data breaches. I filed a claim with Equifax and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section XXXX ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person ....

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 2023-09-11
Company: Automotive Leasing Specialists, L.L.C.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive a collection on my credit report stating I owe a balance to XXXX. Im currently with XXXX for i utilities and they mention to me I have no outstanding balance with them, I have no known knowledge of anything else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: PA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-10-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Bank is charging me for a credit card I did not ask for, apply for or receive. They demanded that I pay and damaged my credit score when I would not pay. 

On XX/XX/2022 I paid the full amount {$160.00} and demanded they cancel the account. Today I received an ebill for {$83.00}. Where does this stop, who holds these people accountable for ongoing 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 non-monetary relief
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: PA
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:
Consumer reporting agencies are reporting fraudulent accounts on MY credit/ consumer reports which is a violation of the FCRA , also my right to privacy has been violated under 15 USC 1681b

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Frozen account multiple times and overdraft fees and low balance fees

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 2022-12-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Unknown account on my credit report. XXXX XXXX XXXX ACCT XXXX Reported : XXXX XXXX, 2022 {$1100.00} Closed

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 2023-09-08
Company: Tate and Kirlin Assoc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXXXXXX XXXX XXXX have repeatedly, several times per day and prior to XXXX tried to call me regarding a fraudulent debt. This debt has previously been taken to court and the case dropped due to complaints about it being fraudulent. XXXX XXXX XXXX purchased this debt and are now constantly calling me from various numbers. Answering the call, there is no response on the other end. 

From 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 There are also numerous calls by robo callers with XXXX XXXX codes that are more likely than not associated with this company. 

Attempts to have them cease calling and contact has not been fruitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NJ
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. 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 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 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 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 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 2023-09-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone fraudulently accessed our XXXX account and sent themselves XXXX in illegal wire transfers. We dutifully reported this to our bank who closed the case, and claimed that it was a legitimate transaction authorized by us. They are now actively participating in defrauding us of our own money and refuse to assist.

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 2022-11-27
Company: EQUIFAX, INC.
State: IL
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:
They have my credit rating that I'm using over XXXX per of my. Utilitization which is not true. I have XXXX credit cads and all together my total owed for all accounts is less than {$3.00} so they reporting that I am using very high. Utilization is wrong and is stop me from getting credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX someone logged into my WellsFargo online banking. 

There were four accounts : " XXXX '' : XXXX  usage in last 4 years, {$40.00} balance. 
" Business Checking '' : Minimal usage ( 3-4 transactions a month ), $ XXXX balance " Business Credit card '' Credit limit XXXX used {$1500.00} " Business line of credit '' Credit Limit XXXX used XXXX on XX/XX/XXXX there were 10 transactions. 

4 from " Business line of Credit '' account. 
Transactions were in amounts of {$990.00}, XXXX, XXXX, etc 6 from " XXXX '' account, however since it had no money, the overdraft protection kicked in and charged the transactions to the credit card. ( same transaction size pattern as above ) All transactions were made using " Bill Pay '' feature, 6 payments were made to account called " XXXX XXXX XXXX XXXX XXXX '' ( i don't & haven't had XXXX accounts in >20 years ). 
4 payments went to " XXXX XXXX '' account. 

Total withdrawn : XXXX Multiple calls, MANY HOURS of speaking with rep after rep asking to speak with someone with decision making authority, Wells Fargo replies with : " We deny the claim. based on our research the transactions were made through secure online session by you or someone who had your authority. Based on this information, we determined the transactions were authorized. '' I dont know what to do as I cant take responsibility for XXXX stolen from WellsFargo via loans using my online account access. 

No one had access to my home or my computer, if someone did, they certainly knew their way around payments and thresholds ( {$990.00}, {$990.00}, etc ) not to trigger any alarms.. I mean what are the odds someone would wait for me to leave & break into my house. 

Saying " we didn't find any unauthorized access, so it must be you '' is a terrible answer..it simply means YOUR TEAM didnt FIND it.. The occurrence is a FACT 6 payments to same payee, 5 min apart, all just a few cents under XXXX 
From accounts that haven't been used in years, VIA OVERDRAFT Account.. 
Immediately followed by 4 payments to different payee, using same tactic ^ If THAT doesn't set off any alarms and doesn't OBVIOUSLY look like fraud, I don't know what does

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 2023-09-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and ....

I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. 

I have attached a description of the tradeline that should be excluded from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Earlier this year I tried to send someone {$150.00} thru ' Cash App. The person was never able to get the money and his bank told him that he couldn't use cash app becuase they have their own " system '' and any such transfer of money using that bank would have to use their app. Numerous attempts have been made to get a refund, but getting back money from Cash App is about as easy as walking on water or bringing the dead back to life!!!. 

All I've been trying to do for the past 3 months is get a refund. Cash App has made sure to give me the biggest run-around you could imagine, so much that I am forced to think of them as " SCAM APP '', rather than anything else. 

Aill I want to do at this time is get back my {$150.00}. I am on Social Security and could really use my money.

Company response to consumer: Closed with explanation