BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: TN
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 am writing an update to complaint # XXXX against Experian and complaint # XXXX against XXXX. On XX/XX/2022, I contacted Experian to find out why I have hard credit inquiries on my credit report, request a dispute, and start the error resolution process. Experian insisted I had to contact XXXX to resolve it. Experian refused to do anything but claim they would start a fraud alert. Experian did not provide any documentation of the fraud alert. Since I should not have any accounts with XXXX, I felt reluctant to give up my personal information. I contacted XXXX to try to find out why they abused my financial information & placed hard inquiries on my credit report. Staff were able to identify some erroneous account information & claimed that XXXX would perform a fraud investigation and/or fraud review. On XX/XX/2022, I returned to my flat & saw envelopes from XXXX in my mailbox. I opened to see an actual credit card that erroneously claims I am a member since 2022. I had another envelope containing a pin # for the credit card. Since I already called XXXX on XX/XX/2022, & have not received anything documenting the reported fraud, I am submitting this regulatory complaint so that XXXX can understand that it is a serious violation to initiate a brand new line of credit and credit card through abusing an individual 's financial information. Please let me know what you find out from XXXX. 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 non-monetary relief
Consumer complaint received 2022-03-01
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: Account information incorrect

Complaint:
On XXXX XXXX, reported to the three major credit bureaus, i.e. XXXX, Experian and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.

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 2022-03-01
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: Account information incorrect

Complaint:
On XXXX XXXX, reported to the three major credit bureaus, i.e. XXXX, XXXX and TransUnion, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.

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 2021-04-01
Company: EQUIFAX, INC.
State: SD
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 was paying on an account that was not even mine just to get it off my credit report because when i previously reported that the account was not mine and filed complaints about it. they just went ignored since the reporting bank was using my social to report the account. i have called them numerous amounts of times and no one has any record of an account ever being opened yet they are reporting a fraudluent account which is still sitting on my credit reports ( all three bureaus ). i can not obtain my credit report from equifax ; not by phone or online. i was able to get through a third party and found that it is still sitting there even though i reached out to the company and requested that they remove it. they sent me a letter confirming it but nothing has been removed. I have never banked with an XXXX XXXX XXXX ; im not and have never been in the military and i have never lived in XXXX, kansas ; i did not open the account it is not mine. there are also several variations on my credit report of the spelling of my name which are incorrect. i do not want anything that is not mine applied to my credit report becuase fraudsters are getting goods and services that they should not be able to get since there are fraud alerts on my credit file with all three credit bureaus. They can't even spell my name correctly. i know how to spell my own name ; this should be a clue to the credit bureaus that the merchants or whoever is fraudulently using my information is not who they say they are. the XXXX XXXX  account is also still on my credit report and that is not mine. when you call them, they have no record of the correct account that was transferred over to them from XXXX with a much lower balance and when you try to pay to get it off your credit, they send the payments back because they have no record of the account they have listed on my credit report or any of the account numbers they provide. I have previously sent copies of these letters but again, nothing has been done and it all still sits on my credit report even though it is not mine. i am not going to pay these accounts that are not mine. i've already done that on one and they are still reporting it even though it is not mine and they have confirmed verbally and in writing that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received an email notification through XXXX that XXXX reported a debt collection from Helvey & Associates XXXX XXXX in the amount of {$820.00}. I contacted Helvey & Associates XXXX to find out that my name, social security and date of birth were used to open two gas and electric accounts from XXXX XXXX ( XXXX ) XXXX using the addresses as follows : XXXX XXXX XXXX, XXXX, North Carolina and XXXX XXXX XXXX, XXXX, North Carolina. I live in California and never lived in XXXX, North Carolina. I am a victim of identity theft with previous incidents that have occurred last year. I relayed this information to the representative and the representative gave me the phone number to contact XXXX XXXX. 
I spoke to the representative at XXXX XXXX in order to start the investigation and remove the accounts as fraud and to advise Helvey & Associates XXXX to remove the debt collection my credit report. Representative informed me about the accounts : ( XXXX ) Amount : {$22.00}- Account XXXX. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina ( 2 ) Amount : {$820.00} - Account No. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina. 
Representative from XXXX XXXX advised me to go to ftc.gov to complete a fraud report and mail back along with my police report in XX/XX/XXXX to begin the investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We were scammed out of XXXX $ from an unauthorized fraudulent wire transfer made out of our savings account last XX/XX/2021. Wells Fargo did not help with this at all. We do NOT allow any wire transfers from our accounts. It states that on our account and wells fargo allowed this wire transfer to go through. 
I called and made several complaints to Wells Fargo and to our attorney generals office.

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 2023-11-09
Company: EQUIFAX, 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:
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 Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 
I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies Which is XXXX, XXXX and Transunion did not modify or remove anything. 
So I asked for the description of the investigation accoring to 15 USC 1681i. I still didnt receive anything. 

XXXX XXXX {$510.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$12000.00} Transunion XXXX XXXXXXXX XXXX {$800.00} XXXX XXXXXXXX XXXX  {$700.00} XXXX XXXX {$4100.00} XXXX {$570.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX  {$440.00}

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 non-monetary relief
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company  XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company  XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company Capital One Auto Finance Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Personal information incorrect

Complaint:
On XXXX XXXX I reached out to Experian regarding old address on my profile and also sent out a dispute letter with the document attached of proof of residence.

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 2022-03-01
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021, I made a payment to a XXXX XXXX account that was XXXX less the amount due as they did not provide an accurate snapshot of my past due balance. They denied my claim. Furthermore, on XX/XX/2021 I went into a payment agreement which shut off the account however made the payments much more affordable. I have made those payments on time, yet they are still reporting my account as past due for the XXXX and XXXX which has significantly reduced my credit score. I have called and been put on hold and have not gotten any help. I would like this to be investigated as I believe I am getting taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
I see inquiries reporting to my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For approximately one year now I have been receiving several calls/voicemails daily from Kia Finance XXXX The man leaving the voicemails says his name is XXXX with Kia Finance and would like me to return his call. He insisted the message was for XXXX XXXX ( I am not XXXX XXXX. After several unsuccessful attempts at reaching XXXX, I was finally able to get through to who I assumed was a representative and asked to have my number removed from the call list as I am not XXXX XXXX. I stopped receiving calls for about two weeks when I received yet another call from XXXX today ( XX/XX/XXXX ) who now believes I am XXXX. 

The number XXXX calls from is XXXX and the number he leaves for me to call him back at is XXXX. Im getting very fed up with receiving these calls/voicemails. Im not certain if it is a scam or if it is a legitimate Kia Finance representative looking for a customer. I would greatly appreciate the 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 2022-03-01
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my report that I am unfamiliar with. I was able to call XXXX to have these removed within 24-72 hours, but when I called XXXX I was given a laundry list of tasks that need to be completed in order for this to be possible. Pursuant to U.S. Code 1681, this is neither fair ( reasonable ) nor equitable. 

I have attached a list of the inquiries in question.

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 2023-11-10
Company: EQUIFAX, 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:
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.

has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had multiple accounts with wells fargo for many years; including personal checking, personal savings, personal credit, business checking, business savings, and more. In 2015, I was sent a letter informing me that all my accounts were going to be closed in 30 days. I contacted wells fargo branch, HQ, and risk department and nobody was able to provide me with a valid answer to why the accounts were being terminated. I had to go through a lot of hassle to transfer my business dealing to another banks. All my account were in good standings, no unlawful or fraudulent activites ; all 100 % legal business related transactions.

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 2022-04-08
Company: Prosper Marketplace, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
This is XXXX XXXX.i was searching onling for personL loan company to fix my credit, a pany contactes me afternoon XX/XX/XXXX claimes their name is ( Prosper Llc ) and they staftes the process throuvh phone call to deposit {$2000.00} .00 thwn they asked for my user name and password for my bank account ( XXXX  ) i refused bit they convinsed me for a security reason.in few hours i got the XXXX  at my account .they told me to withdraw fhe money and send it by Bitcoins.i went to XXXX  to use the Atm of Bitcoin.i have all reciepts.untill that moment i dis n't know it was the bank money by Claims..this morning XX/XX/XXXX at XXXX am i recieved a phone call from the company telling me that they deposied another XXXX XXXX  and i have to send it back by Bitcoins.i realised theres something wrong is going on..i checked my bank transaction and it turns to be that they usesy account and claimed for the above mentioned money..it means it was not deposited by them.i contactes XXXX XXXX..my account is gona be minus..i don't have this money and they need a police report.below is the name of the person, phone number and emails andif its possible i can submit all other socuments. 

XXXX XXXX XXXX XXXX They also threaten me to send more moneys but when they knew that i realized its fraud they dissapered

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 2023-11-17
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/14 I received a credit card from Barclay 's Bank Deleware for a Wyndham Rewards credit card that I did not apply for and was sent using my maiden name. Upon calling the company they were incredibly unhelpful. They would not provide me the information needed to provide to the police department to start a police investigation and a paper trail for the incident. When I was finally able to get through to the investigations department they were not helpful and did not take my complaint seriously. After almost an hour on the phone and talking with multiple people I was finally able to get a case ID number although they continued to ask why I needed this information. None of the employees I spoke to seemed to take this issue seriously. 

Additionally, when calling Wyndham Rewards to get additional information from the customer service representative about how a rewards account was opened in my name without my consent, they were equally unhelpful. They also seemed confused as to why I would want to close my account even after explaining multiple times that this was a fraudulent account. While the account was opened using my email address, I asked why I had not received an email with information upon opening my account, the customer service representative had no answer and continued to tell me that I would not receive any further emails- which was not the issue. I have yet to receive an email confirming that my account has been closed. This call, which should have been quick, took upwards of 30 minutes.

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