BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: WELLS FARGO & COMPANY
State: NY
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/22, approx. {$15000.00} was stolen from my checking account via a cyber attack.. Wells Fargo began an investigation and to cover their loss, they took {$7800.00} from my savings account to replenish the stolen money from my checking account. They said it was overdraft protection. 
On XX/XX/22, they issued me a provisional credit of {$9700.00} ( whatever that means ). 
On XX/XX/22 thieves stoke approx {$15000.00} from my checking account. 
Since then, Wells Fargo has stolen $ XXXX from my savings account. 
On XX/XX/22, Wells Fargo issued me a Provisional Credit of {$9700.00}. 
Basically, a total of {$22000.00} was stolen from my two accounts by Cyber thieves and by Wells Fargo thieves. Wells Fargo issued a provisional credit of {$9700.00}. 
So Wells Fargo still needs to reimburse me {$13000.00} in stolen funds. 
TODAY IS 37 DAYS since my two accounts were raided. 
Thank You 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 2023-08-24
Company: EQUIFAX, INC.
State: IN
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 have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 2023-04-19
Company: EQUIFAX, INC.
State: NY
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:
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. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-13
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:
My name 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 2023-08-24
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the creditor, Navient has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose. 
Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter on XX/XX/XXXX to the company to verify/valid debt but they have not written back to me. 

Per FCRA, the law states that they have 30 days to verify, if they are unable to verify the debt that is mine showing my signature, id anything that validates that it is my debt, they must delete it or I have the right to contact my state general attorney and file a complaint to the FTC & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding LLC {$390.00} debt is showing and this account has been paid and is inaccurately being reported. I requested immediate deletion but they only added a remark saying " customer disputes this account information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I have reached out to Experian multiple times for a resolution for two collection items on my credit report. Each time they have not removed them as requested. They are only taking the creditors word. Now they wont even allow me to submit anymore disputes. How can they take away my rights to dispute inaccurate information on my credit report that is affecting my life. *I attached proof that they wont let me dispute these anymore* XXXX XXXX XXXX XXXX- {$8200.00} XXXX I was affected by XXXX. My state was on lockdown. I called and notified the school I couldnt get the letter notarized because no place including the courthouse or library was opened. They sent my already paid Financial aid back to the department of education. Please remove this as I am not responsible for this balance. 

XXXX XXXX XXXX XXXX XXXX {$840.00} - I want this removed. They are reporting inaccurate information and the balance is not correct. They also charged off and closed the account. Please remove this from my credit report

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 2023-02-17
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Nonsensical communications that was very harassing, with repeated communication after a verbal request to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Afni , Inc . 
Ref. # XXXX To whom it may concern : The reason I am writing to you is because I do not agree with the outstanding balance that XXXX says XXXX owe. I canceled the service on XX/XX/2021, and returned all the devices I had. I received an account statement saying that I owed service from XX/XX/XXXX to XX/XX/2021, that is false. How will I have service in that statement period if I cancel the service on XX/XX/XXXX. I don't owe XXXX anything and I have the right to demand that I be removed from the collections department. Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last month, XX/XX/2019, I received notice from American Express ' Bluebird card stating my Bluebird account has been permanently closed because I failed to pay an overage fee of {$2.00} of which I was unaware of because that I had forgotten it because of my medical condition where I've had some XXXX XXXX problems previously. I immediately called Bluebird to pay the {$2.00} balance on my account. They would not allow me to pay the money ( claiming they'd prefer a triple-dip tax credit ) and they would not allow my account to be reopened or allow me to open a new account. It is important that I have this account as I have a XXXX brother whom is extremely poor I'm his only surviving family member. Bluebird it the only way I have to transfer money to him without a fee in times of his need.

The people at Bluebird were rude, disrespectful, and attempted to shut me out of any communication with them. Fortunately, all my years of working at the XXXX XXXX in a high level capacity I was able to get through to them. That seemed to make them even unhappier that I was putting them on the spot and the " supervisor '' was seemed in the end of the conversation to pretend she couldn't hear me. However, she could because I would say some things that weren't putting her in a uncomfortable position and she would answer properly. 

I want to pay the amount I owe then of $ XXXXUSD as I don't want it as a negative entry onto any consumer reporting agencies in the US. , and I want my SAME account reopened so as I can continue to serve my family member ( whom is also a Bluebird account holder ) as I have always done. My Bluebird account number is : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Prosper Marketplace, Inc.
State: NY
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:
Credit reports show that the account is charged off yet this account is settled and paid in full.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitting this dispute after submitting one on XXXX XXXX. The previous dispute was missing a key piece of information to best defend my reasons in my dispute. Take this dispute as the more updated accurate account.

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request.

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 3 FTC reports related to this dispute are attached.

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 2023-06-08
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:
Hello, After disputing account XXXX XXXX Acct # XXXX multiple times I filed complaints with CFPB for the account with XXXX, and Experian. Complaints and complaint results are attached. Both claim to have verified and updated the account, however, the account still has inconsistent information with the bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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 2022-04-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Started getting letters from the debt collecting company for {$210.00} because I was supposed ly employed by a fake company called XXXX shipping last year where I was supposed to be shipping products to consumers through the United States Post office and also XXXX  now that I found out after 30 days of being employed was never paid for the position that I work for and I was cut off from all communication from fake company phone calls numbers website at the work but was never compensated now I'm coming to find out after almost a year that people are coming after me to pay for these packages that were sent out and never paid for through this fake company I was never paid I feel like it's unfair for me to have to pay out money to a company that is defrauding people through a legitimate website indeed where people are looking for work to support their families and pay their bills and this company is defrauding people setting up websites with these people and then making them work for 30 days with a promise of a check for the work and being cut off on that 30th day where you can not contact anyway this company is defrauding people besides myself and causing hardship to to honest people like myself and now are faced with debt collectors trying to collect money from us the people that was defrauded like we're criminals and the company is operating scaring good citizens of the United States there should be a law against people opening up companies and then scamming people employees out of their time and their money without any means to prove that this is all a mistake because I am the one that's the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX Experian and XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1671c. ( 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 antedate 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