BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I gave my debt card to the girl at the doctors office on XXXX. She stole my info and opened an online account in my name using all of my info with Wells Fargo, on XXXX. ( Wells Fargo is where my checking and savings accounts are. ) I have never used online banking. Then did a wire transfer of almost all of the money in my checking account, to a credit union, on XXXX. To do this they also ported my landline phone number to XXXX as a cell phone number, so that they could receive the code numbers to do the money transfer. I did not have my landline until today. One month of fighting with XXXX XXXX XXXX and I finally had to report them to the XXXX  to get the job done. Wells Fargo does not want to return any of my money. I have made XXXX phone calls to the fraud dept. and they will not do anything to help me. All of the proof that I have is a letter from the bank basically saying they are not returning my money and a phone bill stating that I received credit for the phone service.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was prompted to pull my credit report after recently learning that my information was leaked in the XXXX data breach. I see personal information and accounts on my report that do not belong there.

Company response to consumer: In progress
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
An account that was previously removed for belonging to my son has been put back on my credit report and my credit score took a substantial blow because of this. No information has been given to why this is put on my credit report. I have a son who lived with me, who also has the same name XXXX XXXX, and it looks like our credit reports have again been merged. I want the account from XXXX XXXX XXXX with account number ending in # # 01 removed immediately. This is neglect on the reporting company, and they should be held accountable for this horrible mistake. I am requesting an updated credit report for my personal records as I can't trust what else may be put on my 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 asked all three Bureaus to make sure these accounts were accurate and complete. When the investigation ended, my accounts came back verified. However, there are still many discrepancies between each report and inaccurate information. If they investigated the account the information should reflect so across the board, and this violates my consumer rights to an accurate and complete credit report. I attached screenshots of the accounts. Please delete the following accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I request that the following inaccurate items be immediately removed from my credit files. They must be removed in order to show my true credit history, as these items should not be on my report.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX, e-Oscar or XXXX XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXXXXXX XXXX XXXXXXXX ACCT # XXXX account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX XXXX XXXXCCT # XXXX account is not mine. Please delete XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete. 
XXXX ACCT # XXXX account is not mine. Please delete XXXXXXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXXXXXX XXXX ACCT # XXXXThe account is not mine. Please delete U S DEPT OF HOUSING ACCT # XXXX.The account is not mine. Please delete HUD TITLE I ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX account is not mine. Please delete Unknown ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete Unknown ACCT # XXXX .The account is not mine. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
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:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My payments are due on the XXXX of each month. I am currently 9 days past due. Money has been tight, so I have been running 10-15 days behind, admittedly. 

I always make my payment every month and will continue to do so. I received a billing statement from Navy Federal today XX/XX/2022. The billing statement envelope window contains my name and address. Right under It also contains a statement thats states : Our records indicate that your consumer loans ( s ) is past due. 

This statement is in the billing statement envelope window, clearly visible for the mail facility, mail carrier and anyone in my residence who retrieves the mail to see. This is a privacy violation. Navy Federal should not be disclosing on my billing statement envelope window the status of my account for anyone to see. 

I feel by Navy Federal disclosing on my billing statement envelope window the status of my account they are intentionally trying to collect on the payment owed by disclosing my account information as a way to shame and let others know my account is past due.

This practice of Navy Federal of disclosing the account status of the account in the billing statement envelope statement window seems like it is illegal to do so under the fair debt collection practices act. In addition, when the statement was processed and mailed I would have been past due by a day or two.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled a copy of my consumer reports and noticed the following personal information you have on file are IN ERROR my correct spelling name is XXXX XXXX XXXX. I DO NOT SPELL MY NAME ANY OTHER WAY.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2023 I sent formal complaint to the three credit bureaus Experian, XXXX and XXXX requesting all documents be sent to me to verify this account on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEND ALL Valid Documents used to verify this account as being accurate I have not gotten a response and i followed up with a failure to respond to these companies as well the initial letter is attached and the failure to comply. They had ( 30 ) days to complete investigation and have not replied and under federal law they are required to delete this information.

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 2023-01-19
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear XXXX  This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

ADDRESS XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Inquiry - XXXX XXXX XXXXXX/XX/2022 I also have never worked at XXXX XXXX XXXX XXXX XXXX XXXX Nor have I worked at XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. 

I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN EYE ON MY CREDIT.

By law part of my Compensation approves, Four yea
rs of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 name is XXXX XXXX. Im client of Bank of America. 
I have my account XXXX. 

I'm traveling in XXXX and unfortunately on XX/XX/2022 I was robbed in XXXX, where the 2 thieves with physical aggression took my cell phone while I was using it. They blocked my XXXX password so that I couldn't block the cell phone having access to all my passwords and apps. 

Once I had access to my computer, I logged into online banking and changed my password online, and also blocked my debit and credit cards. 

I went to the police station to register the robbery : Report number : XXXX Departamento de Policia : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told them I have the police report to send XXXX I contacted the bank to notify the robbery. I informed them that any transaction carried out from XX/XX/2022 onwards was not made by me on my credit card or bank account. 


2. XXXX XXXX XXXX XXXX I informed the attendant that 3 transfers were made but those werent made by me. 

1. XXXX XXXX {$200.00} to XXXX XXXX I informed him that I would like to notify that I did not carry out this transaction, the same was done by the thieves, however, the bank would not need to process a possible return of the amount because the amount was stopped in my XXXX XXXX I believe thieves did not know how to use the App. I could return the amount to my bank account myself. 

Resolution by the bank : Claim XXXX was opened to notify that I was not the one who carried out the transaction. They put a temporary credit adjustment in the amount of U {$200.00} and blocked any operation coming from my cash app. 

2. XXXX I informed the attendant that there were 2 transactions through XXXX that were not carried out by me. 

1. U {$10.00} to XXXX I did not carry out this transaction, however, XXXX is one of my contacts. I believe the thieves were learning how to transfer through XXXX. In this case, I could ask XXXX to return the value to me. 
The attendant said It would be better XXXX not to return the amount until the claim was completed. 

2. {$100.00} to XXXX XXXX I didn't carry out that transaction and I don't know that person. Also, the person is not in my XXXX contacts. I never made any transaction for this person. This beneficiary is tied to thieves. 


Resolution by the bank : They opened the claim but did not provide me with the number. They said I would receive it by email or could check it at the center but I have not received. 
No temporary credit adjustment has been made to my bank account and the process has not yet completed.

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 monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXXXXXX XXXX XXXX XXXXXX/XX/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 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 2023-12-01
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - XX/XX/XXXX : Signed Lease with XXXX XXXX ( property owner Dart Properties ). XXXX required 30 day notice if moving out. No fee to end lease prior to XX/XX/XXXX. Lived at this property since XXXX. After XXXX year was never a fee to break lease. 

XXXX XXXX : XXXX XXXX 's management was taken over by XXXX. I believe XXXX XXXX continued to own the property though. 

XX/XX/XXXX : Received early bird renewal offer letter from XXXX. Required a commitment that will be signing new lease, had to respond by XXXX XXXX to get the " early bird '' base rent ( my lease was not ending until XXXX ). The changes vs prior lease : XXXX. Base rent increase XXXX. Stacking of new charges previously paid by XXXX XXXX XXXX. 60 day notice period when moving out. The letter specifically states " all the other terms and conditions of your prior lease contract will continue unchanged '' XX/XX/XXXX : Accepted renewal from XXXX / XXXX XXXX XX/XX/XXXX : XXXX XXXX signed and began with XXXX XXXX XXXX XXXX XX/XX/XXXX : Gave 60 day notice that I was moving out XX/XX/XXXX : Moved out of XXXX XXXX. XXXX said I owed a fee for breaking lease. 
XX/XX/XXXX : I responded to XXXX that I was disputing the fee XX/XX/XXXX : Received initial notice from debt collector for the fee. 
XX/XX/XXXX : Disputing debt and filing complaint with CFPB

Company response to consumer: Closed with explanation