BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XX/XX/2022. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you ONCE AGAIN about the compromising of my social security number and personal information. I am the victim of Identity theft and I am writing to REQUEST an identity BLOCK of items on my credit report that are not mine which resulted from the crime. Please BLOCK the following fraudulently created information from appearing in my credit report included in this letter. These companies are in violation of 18 U.S. Code 1028A. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
* 15 USC 1681 section 602 A states I have the right to privacy.

* 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit 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 2023-08-24
Company: Experian Information Solutions 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:
COMPANY HAS NOT PROVIDED VALIDATION ON INACCURATE INFORMATION ON MY CREDIT REPORT. THEY WILL NOT REMOVE UNKNOWN CLOSED ACCOUNTS ON MY CREDIT REPORT. THERE LETTER DO NOT MEET FEDERAL GUIDELINES AND THEY ARE CONTACTING THIRD PARTY AGENCIES THAT I DO NOT HAVE CONTRACTS WITH AND REPORTING FALSE INFORMATION.

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 2023-04-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an ek open end consumer credit plan as late for any purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from a collection agency called XXXX XXXX XXXX They say I have unroll certain date to pay back a high balance I owe them. For {$1600.00}. For some service and got done In XXXX. This is awful since it shows upon my credit and no bank wants to work with me when applying for a loan. 
I believe and Im sure this was a mistake of identity. One because I have never travel to XXXX second because I dont even know what services was done that they claimed. 
The dates of service are false at the time I was pregnant and wasnt in my plans of travel also the name and last name its registered wrong also my date of birth. I believe is a mistake of identity. 
I contact XXXX XXXX they said they have my account closed and was passed on to Commonwealth collection agency I did a dispute and wrote a letter to them to dispute this issue I send it through post office I got confirmation they did received my letter. You have not heard from them at all. 
Commonwealth Financial System ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a Mortgage with Wells Fargo Bank. I sold the house. the Mortgage was pay off on XX/XX/2023. Wells Fargo is reporting me late for the month of XXXX even though the mortgage was paid off. I spoke to Fells Fargo, initially the thirty day was removed. The late reappeared in the month of XXXX. I spoke with a Wells Fargo representative and the late was removed. My credit report is still stating Delinquency first reported XX/XX/2023, which is incorrect because the loan was paid off XX/XX/2023. This remark is preventing me from being approved for my new loan for my new loan for my new house.

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 2022-06-15
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:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 XXXXXXXX dated 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 2022-06-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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. I did NOT give written permission to anyone at any time to furnish this information. The following accounts have are in violating my rights. 

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
XXXX XXXX  XX/XX/XXXX No Respond I Have No Account COAF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account Capital One XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account Capital One XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification that a collection was added to my credit report on XX/XX/2023 from ERC. I called XXXX and spoke to a representative. I told them I had no knowledge of the account and the account fraudulently opened and I never authorized anyone to use my information to open the account. I told him I was a victim of identity theft and I could forward them my Identity Theft Report from the FTC. I was given and email address to send my report which I did but was told it was take 30 days to be removed from XXXX, XXXX and XXXX but I want it deleted immediately! Incorrect information is being reported and the creditor has already violated code 15 USC 1692g sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was contacted about my social security being used to open a 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 2023-08-22
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 11 unauthorized inquiries on my credit report while trying to buy my home I have spoken with creditors and XXXX still no charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed a savings account at PNC bank. I asked for closing account disclosures. I was told PNC Bank does not offer account closing paperwork by two employees. I then called a week later and asked the branch banker that closed my account for my account closing disclosures and told they would be mailed to me. It is over a week now and no closing disclosure paperwork. UMM Excuse Me I worked at PNC Bank for 14 months there is closing account disclosure paperwork. I was told by law I am to give to all customers even if they do not want them, I have to offer to give them to the customers. This is a violation and just lazy employees. I Want My Paperwork!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: ALLY FINANCIAL INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XX/XX/XXXX {$13000.00} was transferred from my XXXX bank account to a new Ally savings account. Im that time Ally closed the bank account so there was nowhere for the funds to land. Ally said they refused the transaction from XXXX XXXX  and the money was reverted to the original account. The money has not made it as of XX/XX/XXXX. I opened a dispute with XXXX XXXX, it was denied. XXXX XXXX  claims it is XXXX fault, Ally claims it is XXXX XXXX  fault. I have spent several hours over several days on the phone with both banks and with no success. 

Below is the information Ive document during that time : XXXX XXXX  info : Trace ID : XXXX Opened a claim on XX/XX/XXXX to claim my missing funds : Tracking ID XXXX XXXX Bank advised they Denied my dispute XXXX They reopened the dispute once I provided a new Trace ID that I was provided XX/XX/XXXX. 

XXXX Bank Told me to open up a police report and get a lawyer and that there is nothing more they can do. Called back with new XXXX ID from Ally XX/XX/XXXX and they reopened the dispute. 

Ally Transaction number : XXXX Amount : XXXX Original call requesting XXXX ID they claim they can not find Wont provide name of XXXX working in the case or put me in touch with anyone. They send me to an education inbox- nobody calls me back as of 4 business days later. 

XX/XX/XXXX Ally provide Trace ID : XXXX - Second Trace ID XXXX This is the XXXX XXXX  XXXX ID and not the one for reversing the funds. 

They claim they had an influx of identity theft problems on the week of XX/XX/XXXX and that XXXX have contributed to the problem. 

XX/XX/XXXX is the first day Ive been forwarded to a supervisor dispute calling several times and requesting to be As of XX/XX/XXXX this issue has not been resolved

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 2021-11-08
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Previous complaint # XXXX in violation of Regulation F Debt Collection Practices CFPB XXXX Barred debt XXXX. Normally forward to FTC for the Various Violations and misrepresentations .CFPB XXXX practices under section XXXX XXXX - XXXX XXXX. Company did not address, bringing or threatening to foreclosure action on time barred debt to be codified at XXXX C.F.R, XXXX ( b ) .The provision prohibits XXXX from initating or threatening to bring a time barred collection action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX 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 Balance : {$9100.00} ; XXXX XXXX XXXX Balance XXXX {$12000.00} ; XXXX XXXX XXXX Balance XXXX {$4800.00} ; XXXX XXXX XXXX Balance XXXX {$7100.00} ; XXXX XXXX XXXX Balance XXXX {$3600.00} ; XXXX XXXX XXXX Balance XXXX {$7000.00} ; XXXX XXXX XXXX  XXXX Balance : {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$600.00} from XXXX  through MoneyGram Payment Systems on XX/XX/2018 with a promise for the money to be delivered on XX/XX/2018 through the reference # XXXX. The receiver was denied payment after several attempts by going to the MoneyGram location in XXXX despite the fact that receiver had all necessary documents include Identification, and the number. No reason was given to the receiver. The receiver contacted me ( sender ). I physically had to go to the XXXX, to be told that I need to call Moneygram. I called XXXX on XX/XX/2018 at XXXX XXXX EST while at the XXXX  premises after several automated responses was connected to XXXX. I provided all my information only to be told that the sender has to call XXXX and if cant get a resolution to visit MoneyGram site and if they didnt get the resolution they should inform me ( sender ) and then I need to call MoneyGram. I told him they have gone to the MoneyGram several times and have not received the money. I told him to refund the money so I can collect and send through XXXX XXXX. He said he couldnt do that. I asked him to call the sender now and he stubbornly refused. I asked him the reason and he bullshitted me with that MoneyGram has to fulfill international regulations for {$600.00} that he couldnt do anything at that time. I was frustrated and asked him for the address of the MoneyGram complaint center, he told me I should dictate tell him and he will lodge the complaint on my behalf, I refused and told him I can find the address on internet. I knew the financial hardship of the receiver and called international number 3 times to get connected the receiver in XXXX and told them that I will send additional {$600.00} to them or will arrange for the money through my family in XXXX. While on two separate numbers I told XXXX XXXX that was the name he gave me ) of the frustration and I will have to take it up with the CFPB. Upon hearing it he asked me to wait and came back online and asked me to ask the hangup on the receiver so that he can call the receiver. After few minutes he came back online with me and informed me that he has all the information and the money will be available after 10 minutes. All this took over 30 minutes of my time standing in the XXXX  with everyone listening and severe financial hardship for the receiver. 
I trust the strong US financial regulation and was sure to get my money back, I didnt trust MoneyGram. I had already called my brother in XXXX and asked to wire transfer XXXX immediately to a family who is financial hardship. SHAME ON MONEYGRAM FOR THEIR UNPROFESSIONALISM AND STUBBORNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: LendingUSA
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied and received a loan from this lender, Lending USA ), on XX/XX/2023 I did everything online, the money was deposited, and everything was going right until the moment I asked to access my account online, so I could make payments and see statements. 
Since I received the money, I have been trying to get access, they said their IT needs to resolve the problem. there is a problem with my account, I have been trying to contact them almost every day to get this resolved, so I can make the payments, and due soon, but i can not pay it They always say " We will contact you in 3 to 5 days '', A month has passed, and nothing... 
I have called them almost every day, but nothing has happened. I have requested to talk with the supervisor, I did speak with him once, but after that, he refused my calls, His name is XXXX XXXX. 
I just want to pay the loan, but I can not, I want to see my account, but they don't allow me ; I want to fix the problem, but I can't ... poor customer service.. 
at this point, I am ready to get another loan and pay them in full so i dont have to deal with them ... ever

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