BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: CITIBANK, N.A.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX ... I am a XXXX and was approached by a " client '' named XXXX XXXX who said he was due an amount of money from XXXX for a wrongful termination of about {$120000.00}. He gave me the email of the person who he claimed was XXXX XXXX at XXXX. He signed a retainer agreement with me and provided the " settlement agreement '' with XXXX. I got XXXX to send a check which was supposed to include legal fees and interest and they sent a " cashier 's check '' to me by regular mail, not XXXX  ( the usual way you would send a check of that amount ). It was written on a Citibank account. But when I brought it to XXXX  XXXX XXXX to deposit, my bank told me it would not " scan '' and that I should be careful and have them wire the funds to me. I then tried to call Citibank to verify that it was a good check but because of Covid, no one could find the right person to answer my questions but the few that talked to me indicated that it would not have a cashier check no on the top right AND an account number on the bottom. I then looked at the emails again and saw they were using XXXX instead ofXXXX and then realized it was a scam. XXXX XXXX told me he was traveling to XXXX to buy drugs to set up a lab to make a Covid vaccine. I have the original check, envelop that went through the U.S. Mail, emails, settlement agreement and retainer agreement he signed with me, and documentation of all phone calls. He is now pressing me to wire him the money which of course I will not do.

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 2020-04-24
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: Information belongs to someone else

Complaint:
I have checked my credit and found many accounts that I know are a result of identity theft. I do not know if it is from a breach but I know that the accounts on there were obtained by someone other than me without my approval or consent. I do not even know what these accounts are even for. Please help me get to bottom of this and back to normal.

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 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion is giving false information about a account that says by law it SHOULDVE been removed and it still showing on my credit report the investigation was estimated to be completed by XX/XX/2019 today is XX/XX/2019

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 2019-10-12
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I rec 'd a XXXX cancellation of debt from Capital One Bank. the form states date of event as XX/XX/XXXX. this is incorrect as the account was charged off XX/XX/XXXX. this XX/XX/XXXX date is also on my credit report. How is it the Credit card company can state the date as XX/XX/XXXX when it was charged off 5 years ago. shouldn't they have sent the XXXX at that time? Also on my XX/XX/XXXX IRS taxes this account was included on form XXXX discharge of indebtedness. I don't believe I should have to report this account with Capital one bank twice to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A fraudulent account was opened at Wells Fargo bank under my name. I received a letter on XX/XX/2022 stating : we have completed our review of your identity theft claim, and determined that you have no financial liability for the bank account number ending in XXXX. We have confirmed that you did not open or have any knowledge of the accounts with Wells Fargo. 
This letter from Wells Fargo is titled " Claims Assistance Center, online fraud claims '' I sent a certified letter to Wells Fargo on XX/XX/2022 stating that I'm a victim of identity theft and asked that Wells Fargo : -close the account immediately -take all appropriate steps to remove information about this account from my credit files -send me copies of all the documents, including but not limited to applications and other business records, relating to fraud transactions made or accounts opened using my personal information. 
I asked Wells Fargo to send me a letter explaining their findings and actions. 
I have not received a letter from Wells Fargo yet.

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 2019-10-12
Company: Global Lending Services LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
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: Old information reappears or never goes away

Complaint:
XXXX is giving false information about a account that says by law it SHOULDVE been removed and it still showing on my credit report the investigation was estimated to be completed by XXXX XXXX today is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: WA
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:
Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to XXXX XXXX, Equifax, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to XXXX XXXX, Equifax, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 15 USC 1681 XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX  account # XXXX has violeted my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-10-01
Company: Commonwealth Financial Systems, 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 had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. 
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. 
My dispute with XXXX was denied. The collection was determined valid, and updated immediately. 
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care.
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied.
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency.
Its incomprehensible that XXXX refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. 
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by XXXX bad faith conduct and violation of my consumer rights. 
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by XXXX to validate the inauthenticity.. why? 
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did XXXX obtain to validate an illegal collection. 
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? 
i need XXXX to explain their investigation and determination of validity. 
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: VA
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NY
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 15 USC 1681 XXXX XXXX XXXX Bank account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXXXXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX account # XXXX has violeted my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy 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 2019-10-12
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Complaint in re : Ally Bank auto loan. Ally loan balance is incorrect. I have called a number of times to report this matter with Ally and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written Ally Bank and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided Ally Bank with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of Ally 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.

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 2019-10-12
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This false information has been removed from my other reports. This debt is NOT owed by me and the original " Debtor '' knows this! As does the collection agency, whom is committing fraud by still reporting this false information! It needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: SF VAGO, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act State Farm Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I t also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/22 XXXX XXXX XXXX contacted me about refinancing my home. They asked if they could do a credit inquiry and I objected to a " hard inquiry '' and they assured me they could and would do it as a soft inquiry instead, so I agreed to that. Please ask them for proof that I agreed to the hard inquiry rather than the soft, they don't have it because I refused the hard inquiry. 

XXXX confirmation # 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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to Trans Union, XXXX, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to Trans Union, XXXX, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you

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 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and there is currently a collection account being reported to my Transunion report for a debt I did not create. 

It is under the name " XXXX XXXX XXXX XXXX '' for the amount of {$1300.00}. The account number is # XXXX. 

I mailed a dispute to Transunion on XXXX XXXX XXXX and to this date, I have not heard back on my investigation request. Transunion is refusing to delete this account from my report despite the fact that I mailed them a copy of a police report I filed with my local XXXX XXXX Sheriff 's office. 

Transunion needs to delete or block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. 

This collection company, XXXX XXXX XXXX, has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Transunion is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Transunion is held accountable to the full letter of the law if they do not honor my request.

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