BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: GA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,

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 2023-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-03
Company: EQUIFAX, INC.
State: MD
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:
This was my fifth time of notifying the XXXX and Equifax that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than XXXX business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America randomly closed my account. I had no knowledge of this happening or that it was even going to happen. If I would have been notified, I could have took the necessary precautions to make sure I received MY MONEY on time, and paid MY BILLS ON TIME! They will not provide ANY reason whatsoever as to why the account was closed. They have held my money for over 5 days. I am completely in THE DARK, as to what is going w the account, what I did, where my money is, and when its coming. This forever will be the worst bank I have ever dealt with. I have rent, bills, and insurance to pay that I have defaulted on due to this issue. I have been denied access to MY MONEY that I HAVE earned via my job. I have had my lights cut off, my internet to work cut off, and more due to this inconveniencing issue. They denied my request to go to the actual branch and withdrawal my money after proof of identity. They have hung up on me numerous times. They have argued with me. No one will help. This is absolutely unbelievable. It is unprofessional. If you ask me, it's also inhumane to treat people this way and do things of this nature during a nationwide declared pandemic.

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 2021-08-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On Friday XX/XX/XXXX I reported to my bank, Suntrust Bank that someone got into my bank account and changed the address. I called Suntrust and Answered all the questions on the phone that they asked but the said they could not sent a security code to my phone so I had to go in person. They locked my account. I went in person on Monday XX/XX/XXXX and changed my log in and password. On XX/XX/XXXX they got in again changed my address and changed several XXXX dollars on a credit card that I had not used since XXXX. They also withdrew some money on my checking account. I requested that the credit card be closed. They closed it and opened a new one that I didnt ask for. I do not have the new number I only have the original number. I was refunded the money except a {$740.00} charge on the credit card is still under investigation. On XXXX I received a letter saying a payment had been rejected. On XX/XX/XXXX, I called and was told I needed to go in person. When verifying my address I found out the hackers had gotten in again and changed the address. I changed it back and went to the bank on XXXX and closed my checking account. When closing the account the teller told me my address was again changed. Also I had to try 4 different branches in order to close the account. The lobby was closed at 1 branch. They sent me to 1 branch that was closed, I called another one who said that the only person who could close an account was out until XXXX XXXX. Finally the 4th branch I tried closed it. I then went home and later in the evening I called the fraud dept to let them know if I need to be contacted the hackers keep changing my contact address. The rep is not listening to me telling me I need to go to the bank. I tried to explain That I keep changing it and they keep changing it back. I no longer have access to the account so I wont know if they change it again. I am not a customer but I want the bank to be able to reach me. The rep said I had to go to the bank and wasnt understanding what I was trying to explain. I cant go to the bank every day to make sure the hackers didnt change the address. The rep said she couldnt help me and hung up. I dont know what kind of fraud monitoring banks do, XXXX if they would have listened to me on XXXX none of this would have happened. I want to make sue all my accounts are closed at Suntrust and I owe them nothing. I feel like I am in the twilight zone since XXXX. Hackers are able to get into my account withdraw money, make charges, make changes to my info. But they wont speak to me. No one is monitoring my account. Thank you for taking the time to read my complaint.

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 2021-08-07
Company: Convergent Resources, 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: Investigation took more than 30 days

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These companies have had 180 days and 4 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

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 2023-08-03
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:
My name is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a small business owner who qualified for the sba eidl loan. I received the loan last year with no problem in my personal account but I recently received the grant money and now there is a freeze on my account. I have submitted all the proper paperwork but my account is still frozen. This is the account that I get direct deposits from my job and pay bills out of. I don't understand why it's still frozen if I have completed all the necessary channels to provide proof that I qualify for the money. Plus it's grant money not the loan!

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 2021-08-06
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a Paypal Prepay Debit card because I felt the need to used it at the time, when I could not have been qualified to own a credit card. I got the card. 

After awhile I realized that Paypal ran a hard inquiry on my credit as though I applied for a credit card from the XXXX XXXX. I have tried called XXXX XXXX  and Paypal Customer Service Reps Several time to formally complain against the injustice they are doing to me. XXXX XXXX Reps Have promised to fix it but nothing as being done. I have repeatedly tried to call them so that they can fix the issue and remove the HARD IINQUIRY from the XXXX  credit profile. But nothing has being done. Each I call no one seems to remember anything ... Almost two months ago but nothing has being done! I have since being giving a run around, whenever I call Paypal the transfer me to XXXX XXXX  and they pretend as though they have never being approached on the Issue. I did not applied for a XXXX XXXX/Paypal issued Credit card. The Run around and pretends are hurting my credit, thus making life hard for me. 
I am formally asking CFPB to get involve. I want that Hard inquiry removed and that they incidence never repeated. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Westlake Services, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
For the last three years I've been making payments to a company called Honor Finance through a wage garnishment writ. 25 % of my bi weekly checks have been getting drawn out of my account, which in total is {$9400.00}. I sent a cease and desist letter out to XXXX Corporate Offices, as well as the Office Of the Ex Officio ( Whom are enforcing the garnishment ) on XX/XX/XXXX of XXXX to advise to no longer withdraw money from my account. My Garnishments started in XXXX of XXXX and are still going til today. I paid over market value and when I contacted the Lawyer on the case and he advised that my payments should have stopped in XXXX 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 2023-05-19
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo drive thru atm on XXXX XXXX XXXX XXXXXXXX in XXXX XXXX I selected to withdrawl {$1000.00} and the machine gave me {$500.00} I called the bank located on XXXX XXXX XXXX  XXXX. 
Although its a fully functioning bank no calls are received by anyone inside this location. 
I then called the # on my bank atm card. The said they would do a investigation. They told me it would be 5-7 business days. 
Wells Fargo credited my account the {$500.00}. 
Wells Fargo then reversed the {$500.00} saying after a audit the system was not short {$500.00}. 
They closed the case. 
Im not willing to just sweep {$500.00} under the rug Claim XXXX XXXXXXXX Please help me if you can. 
Thanks 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 2021-08-06
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21, Macys ( the department store company ) called me about what it claims is a past-due payment on my Macys credit card ( hereinafter, MCC ). I informed the Macys agent that I was unaware of any account balance, which the agent said is greater than {$2000.00}, or that a payment in any amount was due and that, furthermore, I had never, prior to the subject phone call, received any communication from Macys informing me of such indebtedness. During the next half-hour-plus of phone time, about 80 % of which I spent on hold, the agent neither informed me of the amount then due nor would he direct me to an online site that would provide an accounting of my transactional history. A second phone call with Macys, which lasted another approximate half hour ( 90 % of which time I spent on hold ), again yielded no information about MCC transactions. Later, that same day ( XX/XX/21 ), I received a no-reply email from Macys ( time stamped XXXX ) stating : Your Payment is Past Due. The email did not indicate the amount due nor did it direct me to a web site for additional information relating to my account or alleged indebtedness. Having already spent more than one hour ( mostly on hold ) during two phone calls with Macy 's, I am now reluctant to again subject myself to such hold-and-wait abuse with no results.

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.

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 2023-08-02
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:
Until recently unbeknownst to me this week for the process continue to display erroneous information in regards to a credit card that was victim. Do I deserved all three credit bureaus should concentrate on following FCRA regulations and blocked negative information during investigation of ID XXXX, and the two accounts that is affected for nearly 2 1/2 years now Im trying to rectify the problem and its time to pay attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, I would like to file a complaint against Bank of America. My name is XXXX XXXX. Last 4 digits : XXXX, Claim ID : XXXX, Reference number : XXXX The bank helped an untrustworthy merchant to steal {$6600.00} as the estimated amount for the goods and money stolen from me. The bank did not uphold its standards or reputation to assist me with my claim, allowing the merchant to sell me blatantly fraudulent merchandise which I have received verification from 3 authenticators about its false authenticity. When negotiating with the buyer, he promised to assist me with my merchandise after the initial claim ruled in my favor. I sent the money and the buyer proceeded to accuse me of not sending the money and basically leaving me with fake goods and none of my money. 

After I filed another complaint, the bank told me to send the merchant their merchandise back and provide evidence with a tracking number. I proceeded to do this and the bank closed the dispute saying that they couldn't do anything regarding my claim without any details. When I went to the bank, they informed me they closed the case and couldn't do anything, after I did what they asked to return the merchant their goods. The bank allowed the goods to be taken by a fraudulent seller and failed to further assist me with my case, even after I conformed to their demands to escalate my case which did not happen. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX NY, 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 2021-08-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went over my credit report and noticed a account and a few inquiries that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: CO
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 sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE 17 INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the 17 inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 response to consumer: Closed with explanation