BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
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, 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 a account with out my written instructions 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was in a marriage with a XXXX for over 26 years I was broken and lost as to what to do. One night I gained the courage to leave and was taken in by family and still am in the process of healing. In order to begin my next steps I gained copies from all 3 credit bureau and was devastated to what was on it. I had checked my credit around XX/XX/XXXX and it was a XXXX. So when I got the most recent I cried and almost just gave up. But I couldn't do that not to myself or family. I called all 3 credit bureau and asked for incorrect information to be removed and gave all 3 new address and phone number. To my surprise I wasn't allowed to remove some of them because the credit bureau said they were tied to my name. There are 2 Social Security numbers on there. And a mans name!!!!! From there I just sat idle I started a business for myself and just continued to make ends meet because I spoke with my bank and was told with my score it would be near impossible. I did some research and decided to do what I could. I paid my fingerhut account in full and through nerd wallet was able to get a small line of credit through XXXX. On my credit report there is one collection agency that is adding fines, fees, something to its balance monthly. I have no idea who these accounts are. I would like to share XXXX XXXX XXXX there are 4 files they have added on my report. I am going to list them now same agency XXXX XXXX XXXX. XXXX ) XXXX XXXX from XXXX XXXX XXXX one amount is XXXX the other is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX one amount is XXXX one is XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  one is XXXX one is XXXX. 
I have closed accounts from over 9 years ago on my report. And to date there are 25 hard inquiries. I am lost as to what to do so I begin here thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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 a account with out my written instructions 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-22
Company: Resurgent Capital Services L.P.
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:
my information was used to open an account up using my name with a different address that i have never resided in. According to the report in my credit report the account was opened in XXXX and closed on XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX the balance showing is XXXX. I contacted the original credit grantor of the fradulent account and they confirmed the address used does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: AL
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:
these items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into a local Well Fargo branch to make deposit received from payroll ( my job ) in the amount of {$1400.00}. I had two pending charges for two credit cards that needed to be covered. I asked the teller if the funds would be available today and he advised that the funds would be available on XX/XX/2019 but that the two charges would be covered. I proceeded to deposit the check given his expertise, I trusted the teller 's word. On XX/XX/2019 I checked my account only to find out that the two charges was returned as non-sufficient funds and that there was an extended hold on my check. This caused s really serious issue for me as now my credit card will be closed due to returned payment and charges associated in which Well Fargo will be responsible for.

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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received an auto loan in XXXX  and my payments are not behind and never have been, but Capital one continues to negatively affect my credit report by pulling a hard inquiry at some frequency. I have asked why and noone has an answer. I want them to stop pulling my credit for an existing, current loan. It's hurting me and they stay on XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: NC
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 submitted to Equifax my FTC Identity report with supporting identification documents in reference fraudulent inquiries placed on my report, on XX/XX/2021. Once submitted i called the Fraud team and they told me inquiries would be removed. After, they inquiries came back as factual. I would like the inquiries removed from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Im very upset with Citibank and how they closed my Wayfair MasterCard account and Best Buy visa its not fair I was unaware that they did this to me and would like them reopened

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 2022-03-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank delays processing of payments to facilitate charges of interest and late fees. 
I always pay my outstanding balance as soon as the statement arrives. 
One month I made two large purchases and had a balance in excess of {$10000.00}. 
I made certain the payment went out the day after the statement arrived. 
Eighteen days later no payment was posted to the account and the check had not cleared my bank. 
I messaged Comenity that the check must be lost or stolen and I was stopping payment. 
The next day Comenity posted the payment and attempted to process the check, but the stop payment had already taken effect. 
It is highly unlikely a payment could be lost in the US postal system for two weeks and ever arrive. 
It is even more unlikely that a payment could be lost in the US postal system for two weeks and arrive the very same day as a message stating that a stop payment order had been placed on the check. 
Comenity denied a request to reverse either the interst or the late fee. 
Copy of messages exchange with Comenity attached

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: LA
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 trying to build a house. In XXXX our mortgage company ran my credit. They questioned me about some delinquent accounts including child support and a vehicle finance company that I have never used. I then requested my free credit reports. I had to mail in my proofs of identification. I then received XXXX XXXX and XXXX reports in the mail. However I received a letter from Equifax made out to my brothers name but my address. They were requesting more identification. I then wrote a letter explaining that it had my brothers name and I mailed the letter with more proof of identification. Once again received a letter. This time addressed with my name requesting identification again. I then called Equifax at the number on the letter and they continued to tell me that they did not have my identification. I then obtained a fax number and faxed my proofs of identification with the letter again. I called the next week. They told me I needed to wait on a letter. We finally received a letter stating that I needed to send more identification and that I would have to pay for report. I called again. I was told that my brothers and my information had been merged. They assured me that it was fixed. They told me I had my own file but nothing in it. I then tried to get onto my Equifax on line and view it. Was locked out. So made numerous calls yet again to be able to log on. Finally was unlocked and I logged on. Everything that showed under my user name and account was all of my brothers personal information wth some of my accounts but mostly his. Called them again. They told me that my account was cleared and that they could not explain why all of my brothers information was showing. I then was told by my mortgage company to go to XXXX and run my credit there that I would have to pay for it but it would show if it was cleared. I made an account at XXXX and was unable to get information. I called myfico and was told that I could not get in because of issues with my Equifax. I then called Equifax again. Needless to say I still can not view myfico and Equifax is showing all of my brothers information including all of his personal information. I have been dealing with this continuously since the end of XXXX. My home has been delayed due to this and I have no idea what to do from here. I need this resolved and I am getting no where with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for

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 2019-11-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill statement in the amount of {$610.00} that is not my debt. I do not owe any money and have never heard of your company. I take my credit serious and do not appreciate your company placing inaccurate information on my report. A bill statement is not validation and the signature is not my signature. Unless you can provide me a legal document with my signature stating I agreed to this debt I demand you remove this information from my credit report immediately. If I do not receive a letter from your company within 15 days confirming this has been closed in your office and you notified the credit bureau 's to delete this information I will file a complaint with XXXX and all needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is the second time Bank of America has decreased my credit limit with no notice. I have been a loyal customer for years and have never missed a payment. I am currently working on my credit and this will ultimately hurt me as Bank of America decreased my available funds from over {$3000.00} to a little bit over {$100.00}. This card will be paid off within the next few months and I will be removing and closing all accounts. I can not continue to do business with a company that could care less about its customers and I will be sharing this on social media and anyone I can get my hands on. You dont kick your customers while they are down or try to push them down as they are trying to better themselves.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 previously submitted a complaint through CFPB and they didn't fully deleted all inquiries, even though they weren't made by me.XXXX XXXX XX/XX/XXXXXXXX XXXX "     "XXXX 1XX/XX/XXXXXXXX XXXX XX/XX/XXXX7XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXI want those removed they weren't either fraud OR due to transunion not protecting my privacy. INVESTIGATE with creditors OR delete right away.

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 2018-06-09
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Got pre approved for a vehicle with XXXX XXXX and went to XXXX XXXX to pick up a XXXX XXXX. The initial salesman lied and told me my preapproval with XXXX is not valid and attempted to deceive me into running my credit with another bank. I objected several times after taking a test drive, telling them I only wanted to deal with XXXX XXXX for the loan. They then proceeded to falsely advertise incentives. After doing another credit check I was told I was denied, and shown a credit score and profile that was not mine of another lady named XXXX XXXX. I almost sadly walked out thinking I was denied until I noticed they gave me another customers credit report which is illegal. After telling the owner XXXX XXXX I would leave a XXXX Review ew he threatened me, saying that things would happen but he wouldnt know who did it. All this happened after they refused to give me a business credit application for my company I own a percentage of by only providing the last co-signer page of the application. They have committed dealer fraud. XXXX XXXX XXXX said he was told by the sales and finance manager I did not want to deal with XXXX XXXX  and this was a lie, I told him thats the only place I would deal with. I was asked to leave after my boyfriend started recording the situation, and then cornered in the parking lot once again by the owner XXXX XXXX whom threatened us earlier ; I kept telling him needed to leave to feed my XXXX year old child. He offered to give me the XXXX XXXX for the weekend while he finished my loan and called XXXX, I objected telling him they have broken several laws and violated my rights in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX USCB reported three collection on my XXXX  Credit Report for XXXX XXXX, a medical collection. They stated I owed balances of {$150.00}, on the first collection, {$350.00} on the second collection and {$120.00} on the third collection. I was just started a XXXX XXXX XXXX and was declined credit multiple times shortly after with reasons stating that there were multiple collections on my credit report. I contact USB quickly and explained that I do not owe XXXX and money and in fact paid the balance owed to them in full on XX/XX/XXXX see attached payment receipt. This XXXX  balance is proof that all my medical bills including my wife 's bills, my children 's bills are at a XXXX  balance. They are on my medical  plan. This is not the first time XXXX has tried to do this. They did it last year right about the same time, and that time I had deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MS
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:
NOTICE OF DEFAULT & OPPORTUNITY TO CURE Reporting inaccurate information on my credit report, defaming my character and credit worthiness, without a permissible purpose to coerce me into paying a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: NC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX ( Original Creditor : XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
During a routine review of my credit report, I found an account that I do not recognize. This account is being reported as a collection account and is updated every month, even though it is marked as closed. The name associated with this account is not mine, my legal name is XXXX XXXX XXXX. I have no recollection of ever opening or authorizing this account, and I have not received any communication or documentation about it. I am concerned about the impact this account is having on my credit report and score, especially since it is being reported as a collection account on a monthly basis. I have disputed this with the consumer reporting agency, and they are required to conduct a reinvestigation according to the Fair Credit Reporting Act ( FCRA ). If the information is found to be inaccurate or incomplete or can not be verified, the agency should promptly delete or modify that item of information from my file. I am eager to resolve this issue and ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on 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 explanation