BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: CL Holdings LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received the attached notice from Jefferson Captial regarding a XXXX XXXX bill from over a decade ago, the last time i received correspondence I called and told them to stop sending correspondence as there is nothing they can do. They even state they can not sue, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Meade & Associates, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Previous student of XXXX XXXX XXXX XXXX in XXXX XXXX, OH. Majority of the students I was enrolled with decided to transfer out such as XXXX and XXXX. I do have their last names and contact info because the same thing happened to them! We all know that there was a pandemic last year. I also had a XXXX last year. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That school is aware of the economy and the fact that a lot of people had a hard time with daycares being closed, cut back on work hours, etc. I informed them via email which I have all of my emails, that I could not afford the {$220.00} a month. I did plan to return and had just passed the last set of classes. I withdrew due to my health issues and also due to the hardship from the pandemic. I was told I could reenroll so that I could finish. I was then contacted by someone saying I had to pay XXXX up front! I only owed them about 8 months x {$220.00} if i did want to re-enroll. I reached out to the credit company which they sent my account to. I asked the school for a thorough breakdown of the fees and to show what payments I did make and what fed aide they kept! They did not do it. Instead they sent me an old ledger and had the credit collection company to send me the same thing. They should not be allowed to do this. This is why XXXX was closed down. I was looking to return. The creditor sent me a letter not explaining anything but saying submit payment in full which is over {$7000.00}. They do not have their numbers right and the school is getting over on too many people!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited XXXX in Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, and when I tried to withdraw this money in the same bank in XXXX XXXX on XXXX, I was informed by the branch manager of XXXX XXXX, that this deposit couldnt be located in Wells fargo. 

Firstly the manager asked me to check with claimit.ca.gov if this money has been took by state government as unclaimed property, and I checked and there was nothing found. 

And then I also tried to call the XXXX XXXX XXXX XXXX where I made the deposit, the lady received my call and she also said she could not find my deposit because I dont have the account card. I told her that I am very sure I havent got any card when I opened new account. And she told me the original banker who received me to open the account is not anymore working in the bank so she could not help me. 

Then I tried to write e-mail of complaint to federalreserveconsumerhelp.gov, and I was replied to go to CFPB for 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 2021-06-23
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Synchrony PayPal Credit refuses to remove a balance that was paid in full trough an settlement agreement. They agreed with the settlement but state even I do not owe this balance due it will remain 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 2023-08-10
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to The Fair Credit Reporting Act the following financial institution Goldman Sachs have validated my rights to privacy by sharing my nonpublic personal information to a nonaffiliated third party. 

As a consumer I was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to any third party. As a consumer I was also not given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NC
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:
XXXX XX/XX/2021 i sent a letter regaurding innaccurate and unknown informationon my report to this day over 60 days later I have not recieved a response yet. I feel like im being taking advantage of and being ignored of my disputes. Sec 611 ( a ) plainly states failure to investigate these items in 30 days gives a reason to immediately delete from my report. It has been over 60 days so they should be deleted immediately. I demand they be deleted immediately or I will file for litigation due to stress you caused me. My info may also have been affected by the equifax data breach and got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
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: Reporting company used your report improperly

Complaint:
I represented a protected person before Experian as a court appointed guardian. The company was supplied with a guardianship order. Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a protected person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC XXXX. Protected person 's any and all information, not limited to documents, histories entries are also protected ; and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. Experian was requested to cease and desist contacting the protected ; and not to disclose information of the protected person to any one. Experian failed to act to honor court order and Indiana Guardianship Act. Such acts violated Indiana XXXX XXXX XXXX. Probate XXXX. Experian was repeatedly contacted ; and they failed to provide any information and authorities that would supersedes Indiana Guardianship Act.

Company response to consumer: In progress
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: In progress
Consumer complaint received 2021-07-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This communication is in reference to the lack of response after the Affidavit of Truth Ive sent in order to address the violations of my rights MIDLAND CREDIT MANAGEMENT in violation of FDCPA and FCRA for the following : Failure to respond within 30 days of receiving of dispute letter ( 15 use 1692g ) ; Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

MIDLAND CREDIT MANAGEMENT also doesn't have the right to furnish any information on my consumer credit report ( 15 usc 1681b ( 2 ) ) There are XXXX account being reported on my consumer credit report for this alleged debt. 

Attached are the documents that were sent out on XX/XX/2021 via certified mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Barclays Delaware account number XXXX is mine. " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. ''

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 2021-07-08
Company: EQUIFAX, 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:
EQUIFAX, Recently, I reviewed a copy of my credit report and noticed a few unauthorized credit inquiries on my XX/XX/XXXX credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the following creditors and investigate such occurrences : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX PXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 
If you have any questions or need additional information, please contact me at address listed below. 



Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
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: Account information incorrect

Complaint:
Hi, I notice some unauthorized inquires on my report. My auto loan of {$20000.00} is paid off already in full.

Company response to consumer: In progress
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check with citi bank on XX/XX/XXXX from the irs for {$1900.00}. This check was for an overpayment in taxes. I forgot to endorse the check on the back and deposited it via mobile deposit. I then received a email saying my check was on hold.I tried to log in and my log in no longer works and my accounts cant be loaded. I called citi bank that morning and was told that because it was from my old corporation XXXX XXXX XXXX and didnt endorse the back they decided to close our checking and savings account. They stated nothing could be done and that they will mail my funds in XXXX days. Ive had multiple calls since then and every time they tell me something different. Sometimes they say my funds will be mailed in 5-7 days, last time they said they would hold it for up to 1 year, and today they tell me its 30-60 days. Im absolutely sick to my stomach with the lack of communication on citi banks end. Not a single staff member I spoke with was able to explain whats going on. It seems as though they are all confused and make me wait while they see whats going on. I received no call or notice and nothing in the mail as of today XX/XX/XXXX and neither has my wife. This was a joint account. I was laid off this last week and my funds are still held. I can not believe they get to operate like this. The lack of communication within the company, their communication with me and every single thing about this bank is horrible.

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 2020-07-28
Company: EQUIFAX, INC.
State: NJ
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:
XXXX, XXXX XXXX, XXXX are not my accounts they insist on keeping it on my credit report. please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Withdraw issue, bank website doesn't load I opened two XXXXAxos Bank joint accounts, one in XX/XX/XXXX with an approximate balance of {$350000.00} and other in XX/XX/XXXX with an approximate balance of {$260000.00} from the very beginning I have had problems with downloading information regarding my account. The account information is in the process of downloading, but never does. 

I have complained about it many, many times with phone calls and also emails. 
The interest was high at the time and so I put up with it. 

Now I have requested to closed my account with wire transfers for both accounts, because I have not been able to transfer funds from for either account, move money as the bank calls it, because of the downloading issue. So what I'm doing now is starting the transfers from my other accounts. For instance, a checking account from my reliable bank. The transfers are initiated from my reliable account, from Axos bank to my checking account. That is the only option I have. 

I have submitted a " wire transfer request form '' for both accounts on XX/XX/XXXX. First they were telling me I didn't enter all the information needed, which I did. Everytime I would call them they would come up with another reason they couldn't process the transfers. The last reason was that the Wire Transfer system was down. I have called them everyday since XX/XX/XXXX and more excuses. 

I finally ask them to send me a check closing the accounts. They said it would be 3 to 4 weeks to do that, which seems like a very long time. In the meantime I submit my transfers from my checking account, then transfer the money into other savings, CD, or MM funds. 

I am positive I will never get the funds from AxosXXXX and at the rate I am processing the external transfer from my checking account it will take me three months to get the money out of AxosXXXX. 
I am XXXX XXXX XXXX, I have worked in XXXX XXXX XXXX XXXX XXXX and this type of service is horrible and I'm sure illegal. 

To find out what they are doing and why it's just impossible for them to not want to release my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of 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 : XXXX XXXX XXXX XXXX and XXXX, XXXX. XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with explanation