BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 'm trying to get an issue resolved with my XXXX XXXX credit card. In XX/XX/2016, I notified my bank, XXXX XXXX XXXX, about XXXX unauthorized charges. They were back-to-back charges for {$1000.00} and {$1000.00} labeled " Diamond Ring '' dated XX/XX/2016. It is now XX/XX/XXXX and my case is still not resolved. I have spoken to several XXXX customer service and fraud agents about my fraud case and I keep getting the run around. I was even promised that I would receive a call from a manager within 48 hours and that has not occurred. No one seems to know or understand what 's going on with my XXXX account and the unauthorized charges. However, my credit score is suffering and I 'm still expected to make monthly payments. I 'm attaching all my monthly statements leading up to XX/XX/XXXX in this complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX XXXX Balance {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Experian Information Solutions Inc.
State: NV
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:
My name is XXXX  XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX  XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws.  If I’m receiving her information she might also be receiving mine.  My credit score has dropped from a XXXX   to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So I’m not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: WELLS FARGO & COMPANY
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 have been dealing with identity since the first week in XXXX XXXX. Emails were hacked, and I immediately contacted Wells Fargo and deactivated / disabled all accounts which consisted of Checking, Savings, and newly received Wells Fargo Charge Card. What Wells Fargo allowed to happen next is the subject of many Complaints filed with several Government Agencies which oversee accountability with Banking and Finance. These identity thieves made several attempts to get Wells Fargo Charge Cards in my name. 
This complaint against Wells Fargo is specific to several fraudulent Credit inquiries on my Credit Report due to fraudulent behavior. The identity thieves have had full access to my Wells Fargo accounts since the first week in XXXX XXXX. 
The following are fraudulent inquiries and I have been requesting that they immediately be removed. I have filed Disputes, but Wells Fargo is not a customer oriented Company. And my goal is to make the Public aware of this. 
The following are fraudulent inquiries and I'm asking that they be immediately be removed from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX And as allowed by the FCRA I am requesting the complete Credit Inquiries files on the above inquiries mailed to me.

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 2023-01-18
Company: EQUIFAX, INC.
State: VA
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 XXXX Account # XXXX 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 2021-08-20
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I submit the payment for freedom mortgage on the date of XX/XX/2021 with the amount of {$2100.00}. Freedom mortgage was claiming that I did not make the payment but my bank statement was saying otherwise, meaning that the payment went through. They started charging me for missed payments which I already made the payments on time. I talked to one of the freedom mortgage agents and he claimed that he fixed the issue but he did not. Now I am trying to buy a new home and when I talked to this broker agent, she checked my credit to see if I was eligible but my credit records showed that freedom mortgage has ruined my credit meaning that the freedom mortgage agent did not fix this issue. I recently called them for them to fix this issue because my credit is being ruined and the agent told me that I wasnt the only one having this problem. He said that theres nothing he can do to fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX, due to continuing problems with fraudulent attempts to obtain credit using my name and social security number, I froze my credit at all three credit bureaus. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency, claiming I owed them {$630.00} for a transaction using a debit card at XXXX XXXX  XXXX, where I have never been. When I called them, they informed me that the transaction used a Capital One debit card. I then called Capital One and was informed that they had opened an account using my social security number and the name " XXXX XXXX '' ( I am XXXX XXXX ), but they could not explain why this account was opened despite the credit freezes in place, nor would they tell me which of the credit bureaus had given them the approval to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Cascade Capital, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was mailed a judgement for a totaled vehicle loan debt that was sold to a collection agency. I looked up the judgement and it was closed. I received no court date and was not contacted by the company. A garnishment was issued to my employer 2 months later.im receiving government benefits. Wage garnishment is waived in this case. 
Event Date Docket Entry XX/XX/2023 PROOF OF SERVICE/CERTIFICATE OF SERVICE XX/XX/2023 MATTER ORDERED STRICKEN FROM CALL No one appears. Cause comes on for return on wage deduction. On Court 's motion, matter ordered stricken from the call. XX/XX/2023 NOTICE XX/XX/2023 AFFIDAVIT XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 AFFIDAVIT XX/XX/2023 NOTICE XX/XX/2023 XXXX/GARNISHMENT/WAGE DEDUCTION ISSUED XX/XX/2023 XXXX/GAR/WD/ISSUE- {$5000.00} FULL XX/XX/2023 Notice OF FILING XX/XX/2023 Notice OF FILING XX/XX/2023 AFFIDAVIT XX/XX/2023 FOREIGN JUDGMENT XX/XX/2023 CONTRACT {$2500.00} - {$10000.00} XX/XX/2023 STATUTORY MAILING FULL AMOUNT XX/XX/2023 File is Closed / Dismissed XXXX, The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved. By using this service, the user agrees and understands that he or she is bound by the on-line access to Parties Offenses Financials Schedule Events Search End Important Covid-19 Related Updates : AO 21-30 Misdemeanor and Trac Zoom Protocols AO 21-36 Civil Zoom Protocols and Instructions ( If Ordered ) AO 21-38 Domestic Relations Court Zoom Protocols Family Judge Zoom Instructions XXXX , The Clerk of the XXXX Judicial Circuit Court, XXXX XXXX, Illinois, All Rights Reserved . By using this service, the user agrees and understands that he or she is bound by the on-line access to

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 2023-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-18
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable items below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am trying to purchase a home for my son and I. Needless to say, it has been a struggle financially for me to get something for us. 

Now that I finally have a steady income, I'm getting back on my feet. 

I am looking for a place for us to live and my bankruptcy keeps us from getting approved at a rate and payment I can afford. 

My son is XXXX and keeps asking me to get a place with a backyard so he can play more and get a dog. 

I'd really appreciate if this bankruptcy was removed so that I could tell him we were approved for our first place!

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 2023-02-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Currently have a dispute with the debt collector XXXX, services. Because it appears that they are unable to verify the debt, continues to report a negative balance on my credit report. This is a unfair and deceptive way companies take advantage of people of XXXX. 
I filed a dispute with Experian. Now it appears that XXXX is reporting to Experian, as of XX/XX/XXXX, that this debt as accurate. 
I provided screenshots of the companies response to the cfpb and Experian refuses to remove this debt. Of course Experian won't provide what they received from the debt collector because that is not how this game works. I am kindly asking CFPB not to closed this case, and accept some scripted response from Experian, but to look at what I am submitting again.

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 2022-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
My checking account was illegally accessed on XX/XX/2022 and a wire transfer of {$9100.00} plus a wire transfer fee of {$20.00} was taken without my permission. I spoke with USAA that day and was assured that the money would be returned to my account mostly likely by the end of the day of on the XXXX at the latest. It was not done, I called USAA on XX/XX/XXXX, was again assured that the money would be returned to my account by the end of THAT day. On XX/XX/XXXX I called and was informed that they had called XXXX  XXXX XXXX ( the receiving bank of this transfer ) and requested the money back and was told no, so I will not be getting my money back. I contacted my local law enforcement and filed a report ( XXXX XXXX XXXX XXXX in Colorado ), I spoke with several friends of mine who work in banking in various positions and got advice on how to proceed. 

USAA never froze my bank account to prevent this from occurring again, they never advised me to file a police report, they never advised me to freeze my credit reports with XXXX, XXXX and XXXX ' their only advise was to change my security questions and password. 

I called USAA again on XX/XX/XXXX and was told that my case was in the Fraud Department and they would put in a " front door request '' to have the fraud department call me with a status on when the money would be returned to my account. They said that I would have a callback with in 24 to 48 hours. I waited 72 hours and called again on XX/XX/XXXX to be told there is no update, but they could escalate my request for a callback and status. I advised them that I would be filing complaints with FICA, Consumer Financial Protection Bureau, XXXX XXXX XXXX and any other agency I think may be able to help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Certegy Holdings, LLC
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I went to cash a check at XXXX on XX/XX/XXXX. Certegy advised that I cashed a check from XXXX XXXX on XX/XX/XXXX for the amount of {$660.00} and owed this money. I told them they must be mistaken and it's not me. I have no knowledge of this company. I have no knowledge of this check and to send me a copy of this they advise that they do not have a copy of the check but yet they are holding me responsible for {$660.00}. I have never gotten a call from Certegy nor a bill. Nor have I ever gotten a bill from the so called company XXXX XXXX. I do not know where they are or who they are and to please send me all documents they have on this transaction. I told them I am disputing this information you have on file and send me all information you are claiming that is causing a problem for me to cash check I am disputing any and all negative information in their system. reference number XXXX at XXXX for the amount of {$570.00} when they refused ti casg my check due to this.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple request but time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and kindly help me to delete these items : XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed XXXX {$5500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed XXXX {$890.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXXXXXX Balance Owed : {$30.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$570.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: MI
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 called them on the phone all three credit reporting agencies, Experian, XXXX, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized

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