BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report, these accounts are violation, any credit transactions are supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) Rehabilitation of private education loans, these loans below have completed the Rehabilitation process XXXX {$50000.00} Department of Education {$16000.00} Department of Education {$11000.00} Department of Education {$7500.00} Department of Education {$6300.00} Department of Education {$5700.00} Department of Education {$3400.00} Department of Education {$3300.00} Department of Education {$2500.00} Department of Education {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/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 2019-10-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I NOTICED ON MY CREDIT REPORT A CLOSED ACCOUNT FROM WELLS FARGO THAT DOES NOT BELONG TO ME I WOULD LIKE THIS REMOVED FROM MY ACCOUNT IMMEDIATELY. I'VE CONTACTED THE COMPANY SEVERAL TIMES THEY HAVE THE INCORRECT ADDRESS ON FILE XX/XX/2019 DEBT {$2900.00}

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 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I opened aXX/XX/XXXXcompany in XXXX and with the help of my brother-in-law i am setting up another partner XXXX XXXX company in XXXX. 

For this purpose i opened small business account in Bank Of America so everything must be clean and under law. 

Also, for setting up company in XXXX I hired a freelancer agent in XXXX to setup the company and do necessary things. 

On XXXX XXXXXXXX XXXX  i initiated a wire transfer for around XXXX dollars to agent for his services. 

The wire went on hold since then. 

When i called bank on XXXXXX/XX/ they told me that because of suspicion on a name i mentioned in Notes of wire where i have mentioned my brother-in-law 's name. I told them that this is my brother in law and we are partner in opening up company in XXXX. But still they held it. 

When i called today, they say that i have to call them again and again every day, to find out about the wire transfer. 

When i asked them about till when the wire transfer be on hold, they said that there is no answer to that and that i have to check every day. 

So, First of all, instead of realizing it as a false positive on OFAC 's list where they are just hold money just because my brother in law 's first name matched with some sanctioned name ; they have not reviewed it in due time which was 48 hrs. 
Also, they are not able to provide any definite answer to till when the wire will be on hold. 

There should be a law protecting citizens from such false positive because there may be like millions of people with a matching sanctioned person 's FIRST NAME and the bank should not be allowed to hold wires just on the suspicion on FIRST NAME matching with some sanctioned person. 
Secondly the wire transfer should have an upper bound on hold and the bank should facilitate its customers instead of asking them to call again and again every day until indefinite period of time especially when average wait time for the call is 20-30 minutes. 

So now, my money is held, just think of that person who was helping me setting up company in XXXX and has been waiting for funds for his services since 10 days now ; and i don't even know how many more days or weeks or months ; as bank is unable to provide any specific time ; why me or he get penalized for false positive.

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 2022-10-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
hello i was reaching out to see what else i can do, someone took all of my personal info from my car and used my personal info debit cards and social to open up accounts and also put fake checks into my account that's preventing me from being able to open an account and also ending my relationships with my bank I've been at for years. i called complained and did so much more and still haven't got an answer i even asked could they look at cameras to see if they see the person doing this to me i am very upset this is taking over my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to the letter that The Bureaus, Inc sent to me in the beginning of XXXX I sent the following letter ( below ) to The Bureaus, Inc. on XX/XX/XXXX. 

To : The Bureaus, Inc : I_______, have written this letter to dispute a claim that is falsely listed on my credit report with your agency. See below. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Account # : ______________ Your File # : _______________ Amount owed : {$430.00} After carefully reviewing the paperwork that I have received from your agency I have noted the following : ( 1 ) There is NO explanation as to how the initial balance of {$280.00} in XX/XX/XXXX was calculated. 

( 2 ) Since then, only {$150.00} in purchases were added and the rest were excessive fees and exorbitant interest on an inflated balance. 

I demand that The Bureaus, IncXXXX produce the original credit card agreement SIGNED BY ME and a complete accounting of how the amount you claim due was calculated. 

I am NOT the owner of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have not receive any response to the multiple letters I have send this company.

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 2023-03-14
Company: EQUIFAX, INC.
State: DE
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filed a dispute against XXXX XXXX with Chime. I ordered nail products and recieved fake flowers. The transaction amount is {$84.00}. The dispute has been opened and closed XXXX times with the determination that " no error has occurred ''. Chime has not been able to provide me with the full detail supporting documents which I have requested numerous times. I am entitled to receive the documents XXXX business days after opening the dispute. I received the document from chime 2 months later and it was XXXX of the tracking ID showing item was delivered. I have provided XXXX items as supporting documents to XXXX. I have spoken to numerous call center representatives as well as supervisors and had the call disconnected twice by supervisor as I was providing details of the case. I have returned the merchant 's items on XX/XX/23 in which emailed the receipt as well a a screenshot of the tracking showing item was delivered to merchant. I do not believe Chime has conducted an investigation as they are unable to provide detailed supporting documentation which would indicate how the dispute was determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX  were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.

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 2021-06-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the pandemic last year XXXXXXXX XXXX  put on their website that they were allowing all clients to make late payments on mortgages and personal loans and they would not report to the credit bureaus as long as they were not 90 days past due. 

In XXXX and XXXX of 2020 my ex-husband paid the mortgage late. It was maybe XXXX days late. It was not 90 days late. Yet, XXXX still reported it to the credit bureau even though they had stated they would not report it. I have called, I have sent letters with no response, and I have filed multiple disputes with the credit bureaus. Nothing has been done about this except XXXX changing on one of the credit reports that instead of paying late in XXXX and XXXX that I paid late in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NC
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:
According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed complaint # XXXX back on XX/XX/XXXX regarding Portfolio Recovery Associates Inc. regarding false statements or representation. They claimed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were retained and responsible for providing the correct amount of payments I made on XXXX County case # XXXX. The original debt was {$20000.00} but a settlement was reached for the amount of {$8200.00} with payments to begin XX/XX/XXXX. Portfolio Recovery Associates Inc. has been reporting the incorrect amount since XX/XX/XXXX and claimed in response on CFPB complaint # XXXX that XXXX XXXX XXXX XXXX XXXX were the ones responsible for reporting the incorrect amount. My credit report has Portfolio Recovery Associates Inc. reporting the incorrect amount. I reached out XXXX XXXX XXXX XXXX and they sent me the attached letter. This is proof that Portfolio Recovery Associates Inc. has been negligent and reporting false statements to all 3 major Credit Reporting Bureau 's. The letter dated XX/XX/XXXX indicates my balance is {$5100.00}. Since then, I have continued to send my {$100.00} per month due the XXXX  of every month. My balance should be {$4600.00}. This is the correct amount that should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: BARCLAYS BANK DELAWARE
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:
There is an account through Barclays Bank showing on my credit file as a charged-off account I have called this company to find out what this is and they do not have anything in their data base with my information. I have disputed this and still this company list this inaccurate data on my credit file. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/22, I spoke with personnel from XXXX, Equifax, and XXXX about the potential existence of phony accounts on my consumer file. Since I knew nothing about them or how they got there, I asked them to deactivate the accounts. I was given the go-ahead by all three companies to submit the necessary documentation and finish the FTC report XXXX I sent my letters certified mail on XX/XX/22. Even though the accounts are not mine and have been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' This issue baffles me and makes me angry because it makes it impossible for my family and I to make purchases. I contacted all three businesses once more on XX/XX/22 and inquired as to how they could demonstrate that these accounts belonged to me. They simply said that they couldn't help any more and that I should speak with the creditors directly. When I made an effort to contact each creditor who had been erroneously claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had no other choice but to turn to the CFPB website, as some of my friends had urged me to do given the circumstances. Since my family and I are trying to submit an application for a house, I genuinely hope that information is useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 non-monetary relief
Consumer complaint received 2018-10-07
Company: SUN LOAN COMPANY INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Sun Loan Company a request for validation and letter of dispute for an alleged debt.

Sun Loan Company received and signed for the letter on XX/XX/2018.

Sun Loan Company failed to provide validation for the alleged debt and to place a comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Sun Loan Company for which they received and signed for on XX/XX/2018. Again Sun Loan Company completely ignored my letter and failed to place a comment of dispute with the credit bureaus. On XX/XX/2018, I once again sent them a letter via certified mail for which Sun Loan Company received and signed for on XX/XX/2018. For the third time in a row Sun Loan Company continued to blatantly show disregard for federal laws and not provide validation for the alleged debt or place a remark of dispute with the credit bureaus. By doing so Sun Loan Company is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on 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 2021-06-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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