BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone got into my cash app account and sent themselves {$1000.00}. I requested a refund from that user that I do not recognize or have previous payment transactions with and he declined it. This was over Cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-05-14
Company: Experian Information Solutions 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:
XX/XX/2XXXX XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.

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 2022-10-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/23 ; XX/XX/23 ; XX/XX/23 - every month I have sent in requests of the investigations and proof regarding the inaccurate information reporting on my credit and continuously receive no response. While information stays reporting incorrect, unknown, and unverified.

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: JPMORGAN CHASE & CO.
State: PA
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:
someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is truist bank and XXXX XXXX XXXX  ( Bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There are four charges on my Checking account for a store that I have never been to, in a city I've never visited. These charges were made on XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX, XXXX, and XXXX for XXXX $ for a total of XXXX XXXX The store is XXXX XXXX and XXXX XXXX in XXXX, California, which again I have never visited. 

I submitted a claim with Wells Fargo and received a letter saying that they found the transaction was made by me or someone who had my permission. I called them and they said the same thing. I know for a fact that I didn't make these transactions and that someone was able to steal my information, so the fact that Wells Fargo refuses to do anything is upsetting to say the least.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Since XX/XX/XXXX, My XXXX  and I discovered some accounts on our credit report that did not belong to us, we I did not open any of them, since then we have been dealing with an issue with Identity Theft. On XX/XX/XXXX, we individually to started to dispute these accounts with the Credit Bureaus, after a few months, on XX/XX/XXXX, we went to file an Identity Theft Police Report, after a few weeks we got the report, since then I have been disputing these accounts over and over with the Bureaus, unfortunately, there is still an account remaining that for some reason the Bureaus refuse to remove, even that I have that account listed on the Police Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Consumer Portfolio Services, Inc.
State: LA
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:
CPS, INC aka Consumer Portfolio Services , Inc. placed inquiries on my XXXX and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. According to their telephone attendant, they are a debt collection company. However, I learned they are also a auto lending company. I did not apply for credit with CPS, nor did I apply for a loan with them. They did not have my permission to run credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: IL
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:
You are inDirect violation of the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX also, my name is wrong in my address is wrong please correct

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 2023-07-15
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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 XX/XX/2023 I made a settlement payment in the amount of {$8300.00}, Penfed credit card account ending in XXXX. This settlement amount was agreed upon by Penfed Credit Union and myself in writing, stating my account would be settled in full and reported to the credit bureaus as 'settled for less than full balance'- per the attached letter sent by Penfed representative XXXX XXXX via email on XX/XX/2023. There was a mis-key on XX/XX/2023 resulting in another payment processed via phone on XX/XX/2023, the mis-key was acknowledged by another Penfed representative. Penfed has failed to uphold their end of the agreement intentionally due to being exposed for numerous instances of negligence and mishandling of this account. Penfed retaliated by reporting this account as derogatory, having an unpaid balance, in collections, and charged off as bad debt, the agreed report remarks ; 'settled in full ', 'settled for less than full balance ', were intentionally omitted. I have bought this to Penfed 's attention and nothing has been done to resolve this issue all the while I've upheld my end of the agreement and Penfed refuses to ; while I continue to have to deal with the turmoil resulting from their negligence and breach of the settlement agreement.

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 2022-12-06
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XXXX XXXX I found out theres a collection item showed on my credit report with Equifax when I was getting a mortgage from the bank. I had to postpone the closing due to the mismatch info. I contacted Equifax right away and agent helped me start the dispute process. I was told it took XXXX business days to resolve. During the time, I tried to call several time to seek help to accelerate the process as I had to pay high interest for the delay of closing the mortgage. They confirmed the latest date I should receive a final solution is XX/XX/XXXX. Now is XX/XX/XXXX, Ive got nth from them. I had to call another three time. Every time I got different answers regarding the timeframe I would expect for the solution. Firstly, its totally over the timeline they promised. Secondly, It seems all agents goal is to get customer off the phone, other than listen and resolve the problem. I understand it might not be out of their hands for those who picked up customer calls to resolve a credit profile. But as a big organization, they should have certain procedures to deal with urgent case like this. Every single day they delay resolving problem, I have to pay high interest. ( 9.15 % as of XXXX XXXX ). Not to mention it was XXXX fault to have mismatch info on my credit file. The dispute its about a hospital bill which I never been there. I provided my health card which show proof my medical history that I never been to that hospital. I was told who owned the bill probably just had similar name as mine. Im super upset for the whole process and want to have Equifax to fix their problem for almost a month asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that I noticed on my credit which I did not do. I never authorized them or made applications for the accounts below : XXXX XXXX XXXX acc # XXXX XXXX XXXX accoun # XXXX XXXX XXXX Accont XXXX XXXX I contacted the credit reporting Agncy with a request for validation and investigation, which was ignored.

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 2022-01-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i notice a collection agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: OH
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, XXXX XXXX XXXX, am writing to bring to your attention a significant matter regarding my credit profile. Over the past three years, I have fallen victim to multiple instances of identity theft, resulting in numerous compromised credit accounts. In response to this unfortunate situation, I have taken necessary steps to notify all credit services and creditors to cease reporting these accounts on my credit profile. Additionally, I have filed an FTC report as supporting evidence.

Regrettably, the continued reporting of these compromised accounts on my credit profile has left me with no choice but to pursue legal action against the credit services involved. It is important to note that individuals and entities persisting in reporting these fraudulent accounts may potentially be named in the pending lawsuit for violating the Fair Debt Collection Practice Act. 

Therefore, this correspondence serves as an official notice urging the immediate cessation of reporting any fraudulent accounts listed. I hope for your cooperation in rectifying this matter promptly. 

Sincerely, 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 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXXXXXX XXXX  {$340.00} Ialso noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX US DEPARTMENT OF EDU Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/

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 2023-12-08
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have contacted CashApp several times in order to retrieve or obtain a refund of {$200.00} on an account which I was unawares had been hacked prior to my transaction. After my investigation CashApp was made aware of this account being hacked prior to me sending {$200.00} to a college student but did nothing to prevent or stop future fraud issues of the consumer. 
Due to a life change which began in 2021, I was unable to contact the proper authorities to assist me. This life change has been resolved therefore I am submitting my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Back in time more than say 16 months ago, Chase would refund every small business overdraft that was issued. Then all the sudden they forced a one year moratorium on my refunds and then once the moratorium was over they changed policy and will now only refund 3 overdrafts in a calendar year because in the chase employee 's words my account was deemed a " low value account. '' I asked what criteria was I being devalued and they never would provide an answer. 
I do not dispute that Chase has the ability to change its account procedures. I believe it should be able to. However shouldn't it have to tell me of this change BEFORE i incur several XXXX dollars in overdraft fees? This is ludicrious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: MI
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:
. I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REPOSSESSION ) XXXX XXXX XXXX XXXX XXXX XX/XX/2017 ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 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. 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
On XX/XX/23 I wrote Experian to investigate unknown hard inquiries on my credit report. I never received a response back but need those hard inquiries investigated and removed because I did not give permission to any of those companies appearing on my credit report to check my 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 2023-11-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
XXXX XXXX A lot of fraud on my refinance application, and closing what Wells Fargo bank. Wells Fargo treated me with bias on prejudice. 

During the application process I had a good credit score. I was told I had to close a lot of credit cards to get the refinance application approved. rates was very low between 2 % and 4 %. I got a high interest rate after I close my cards. I have a friend who worked there said a lot of white people was getting low interest rate and they took money out and did not have to close credit cards. About one year after Wells Fargo mortgage sent up about 30 pages which should sign at closing. And call and threaten us to sign it. If we dont we will have problems seeking our house me and my wife. The send us those documents after numerous calls to try and get copies of our sign closing documents, which we never receive.we try contacting our lawyer and we get no proper help all he told us over the phone is to sign it without him reading the documents.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 was looking at my credit report and noticed an account was added that I don't recognize so I want it removed from my account because it is showing as negative. Please remove it!!!!!!!! 


Account Name XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/2023 Balance {$130.00}

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