BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted my investigation request about this auto loan with XXXX XXXX XXXX and the credit bureaus. I also have court documents proving that this account does not belong to me. Do not close this complaint without sending my complaint to the creditors involved.

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 2023-02-03
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX a credit card account was opened without my knowledge. 

Account type - REVOLVING Condition - Open Responsibility - Individual Term ( in months ) - NA Remarks- NA Date of account status - XX/XX/XXXX Times XX/XX/XXXX days late - XXXX Creditor info COMENITYCAPITALXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1st complaint XX/XX/2022, numerous requests for help. My accounts were taken over by the same person on XX/XX/2022! 
BoA FINALLY decided to refund the funds stolen from my checking & savings accounts but cant connect the dots that the XXXX XXXX XXXX XXXX  to himself is the SAME perpetrator that stole from my other XXXX accounts. 
Now they want ME to pay the bill!!

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 2023-06-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
In XXXX XXXX XXXX XXXX, CA downtown branch. It was conspired between 2 branch managers to place a XXXX brown letter box of foreign exchange coin/bill from around the world in custody of Wells Fargo . As they threatened me to call the cops after they became aware of what was in said container. Allow Wells Fargo to Manage this box. Project % 11 of profit to XXXX XXXX XXXX XXXX XXXX. Invest % 9 into Wells Fargo. 20 % into XXXX XXXX XXXX. 20 % into XXXX XXXX XXXX. 20 % into XXXX. 20 % into XXXX XXXX XXXXXXXX XXXX XXXX XXXX " IMA sue yall '' lol

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Had an auto loan with Wells Fargo. Was charged on the loan for extra insurance even though I had to carry insurance on the car myself. Also car was illegally repossessed and then when I filed bankruptcy, was charged illegal fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: KY
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:
Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX  bankruptcy.

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 2022-10-30
Company: Experian Information Solutions 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 accounts below have 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account number 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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, 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 2023-07-19
Company: BARCLAYS BANK DELAWARE
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:
im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new XXXX. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is 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 2023-04-27
Company: EQUIFAX, INC.
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX  Account NumberXXXX Account Number : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-09
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: Public record information inaccurate

Complaint:
I notice my credit report with mis information over two years ago I did an police report and, a around XXXX of 2022 when check I and monitor my reports I notice inaccurate publics information and I filed and mailed off police Reports BACK IN XX/XX/2022 to all credit agency about this matter they had my Birthday Wrong on XXXX, They had address and a whole host of information inaccurate on XXXX, and Experian they have been the absolute worst of them all they have al sort wrong information, also you cant upload anything for as doc on there sight, no one want call you back either horrible, I disputed it all, they fix everting but my address and and the puplic record Bankruptcy that is not mines, also have an letter from The Bankruptcy office they want even look at or take saying that the never gave ANY INFORMATION ABOUT A Bankruptcy, my current address or my Name, also know one there will even talk to me about the matter they also put am credit alert, last year, when they first received the policy report they in the mail they put the credit alert on XX/XX/2022 it been over a year please help this have ruined my creditability, as its very inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My SSN has been compromised bank account has been opened, hard inquiries, slow inquiries, credit cards and loans, charge offs account that need to be deleted also car loans on my credit report from XXXX, XXXX XXXX Equifax. I need everything off my credit report and consumer report. I received a email about stimulus refund and called the number and reported it a scam I gave my information now everything is going wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CNG FINANCIAL CORPORATION
State: FL
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:
Received several phone calls on XX/XX/2023, I answered the phone to blank air 3 times, and once got a recording @ XXXX pm. I waited on the line and finally pushed enough buttons to get someone from " Check and Go '', a title loan company. I asked who she was and what company and had to drag the information out of the caller. I ask for something in writing because I have never heard of the company. She said she didn't have to send me anything. I asked several more times for something in writing and she refused. She didn't want to verify the business name, the debt amount and would not give me any more information. She pressured me to answer question requiring a " yes or no '' and I refused. She finally hung up after I demanded something in writing to verify the company/debt and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 10 days. 

Also want to see who the non complaint agency is XXXX continues to say that you have verified the debt as accurate which I know its completely out of line this is your last chance.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( XXXX ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 10 days. 

Also want to see who the non complaint agency is Transunion continues to say that you have verified the debt as accurate which I know its completely out of line this is your last chance.

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 2022-10-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The inquires below are unknown inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: TN
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 sent a letter dated XX/XX/21 from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, Equifax, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all XXXX credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX XXXX Equifax XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to XXXX XXXX they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached 2 or more copies to authenticate my identity to process my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: AXOS FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company was supposed to close my account and send me my funds. They XXXX out my account and sent me a tracking number on XX/XX/2023. I have not received the funds. I contacted USPS and was told the letter supposedly containing my funds was not being mailed to me but to some other address in Ohio. ( I live in Illinois ). I emailed the company through my email and thier messaging portal and called. I was told by XXXX ( XXXX ) it was my fault because the address entered on XX/XX/XXXXXXXX XXXX listed my town twice. I emailed them on XXXX XXXX and XXXX XXXX with my correct adress. The letter I received from them through my previous complaint with CFPB listed my correct address at the top. I requested they over night a new check and cancel the previous, but he refused. I requested to speak to a supervisor, again he refused stating none were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least 25 addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer 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 non-monetary relief