BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
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:
XXXX XXXX I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that Equifax and XXXX  credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX  XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX  Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the XXXX. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the XXXX  were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX  XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to University XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX  Hospital for copies of the XXXX  forms XXXX  submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX XXXX, XXXX I purchased 12 US Bank {$500.00} XXXX gift cards from several XXXX stores for a total of 12x {$500.00} ( {$6000.00} ). My intention was to pay for water damage repairs at my daughter 's condo. This was because the repair company allowed payment by debit card for no fee, and I would get the benefit of the credit card points. 

In order to use the cards online, I needed to register my name and address for each one via a dialup process, which I proceeded to do. The first 10 cards had no problem. The last two cards caused the calls to divert to a call center line with long wait times on hold.

I called this line twice in succeeding days. The first time I was on hold for 40 minutes, and the person who finally answered, after I gave him the gift card number, suggested that I just call the # on the back of the card. Since this was the number that I had just called, I said that made no sense. But he was unwilling to help in any way.

I called again two days later with the same long hold time. A woman answered, and after I gave her the card #, was willing to contact a " specialist ''. After a further hold time of several minutes, she said to call back in 2 business days. She was unwilling to take any action on my second card, even after I complained about the long hold times. The total time for this call was 1:19. After waiting several more days, I tried again today and got the same call center hold.

It is not possible to access any info on these cards via the website www.prepaidgiftbalance.com The numbers on the two gift cards are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both with XX/XX/XXXX expiration dates I will attach PDF files from the XXXX XXXX website showing my purchases at XXXX on XX/XX/XXXX. 10 cards on my XXXX  card and 2 on my XXXX XXXX card.

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 2020-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Original Creditor : 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 explanation
Consumer complaint received 2022-02-21
Company: FIRST NATIONAL BANK OF OMAHA
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Theyre violating 15 usc 1692 ( a, b ). This company is also committing ID theft. Theyre also violating 15 usc 1692 c ( c ). Invasion of individual and family privacy. Last I want them to provide a written contract between me and the party listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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 XXXX XXXX Bankruptcy case number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of 2021, I opened a checking account with Wells Fargo online. About a month weeks later Wells Fargo closed the account due to personal info that wasn't provided by me within a timely manner. The account closed with an amount of {$540.00}. I spoke with rep from the complaints department, and she stated that I had to visit a local branch to receive the remaining balance from the checking account. The rep informed me that the nearest local Wells Fargo branch is XXXX hours from my place of residence. The rep provided the bank 's address and phone number to set up an appointment. I called the branch to set up a time to pick up the cashier 's check. The issue was forwarded to XXXX at the XXXX XXXX XXXX XXXX XXXX, IL location. XXXX stated it wasn't a need for me to drive XXXX hours away and that all he needed was for me to sign a form and when I returned the form, he would send the check via XXXX. A week after I returned the form, XXXX stated he hasn't heard from his boss and to call back or he'd call me back with more info. I've communicated back and forth with XXXX within a 45-month span. XXXX weeks ago, XXXX informed me that the check is being sent off via XXXX, the check comes with a tracking number. Unfortunately, I never received the check. Since then XXXX has been avoiding my calls and will not return my phone calls.

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 2022-02-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: National Credit Systems,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:
I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: ECMC GROUP, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Credit Report approx. XX/XX/XXXX and began to dispute inaccurate and/or outdated info. in credit file dated XX/XX/XXXX asking to correct Personal Data, and Disputed an ECMC Collection Account XXXX being reported. I also reached out to ECMC on XX/XX/XXXX advising that I disputed this claim and requested Validation. Mail was returned undeliverable from address listed on Credit Report : XXXX XXXX XXXX, XXXX, MN. XXXX. On XX/XX/XXXX I forwarded copies of returned mail to XXXX and instructed them to DELETE the derrogatory reporting. As of this reporting, XXXX has failed to respond, and I am asking that this item from ECMC be REMOVED from my credit reporting file due to failure to respond with the required time frame according the the Fair Dept Collection Practices Act. ( Prove it or remove it )

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 2018-01-17
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: Investigation took more than 30 days

Complaint:
failure to provide proof of late payments, was already removed from 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 2018-01-25
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I agreed to have XXXX take out XXXX a month for credit monitoring. They suddenly started 4 months ago taking out XXXX. I called XXXX and I got no response. I also called Barclays and I talked to a manager named " XXXX ''. He is refusing to give me another credit card number. He is also refusing to investigate the charge because he says I need a copy of the contract. I do not have a contract. They are obligated to contact 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 monetary relief
Consumer complaint received 2023-08-10
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:
XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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 an 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 conviction, or crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-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 information is in accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: GA
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2019-11-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: WY
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:
I attempted to open an account with XXXX XXXX as my fianc is a member ; however, I was denied stating my reputation had been tarnished by a previous bank. So, I ordered my ChexSystems report and found an account reporting by XXXX XXXX XXXX XXXX XXXX for {$1100.00}. I have no knowledge of this debt. The last time I used XXXX was before I was XXXX  to a XXXX  XXXX. However, prior to going to XXXX, my account was NEVER delinquent, and I made sure of that. I Received a refund check from the State of Georgia for stolen property by the XXXX. I deposited the check into my account, adding to the existing balance to total more than {$2000.00}. I had a rental for a few weeks, so the cost was exceeding ( {$1100.00} ) however, I knew my account would cover it. After I deposited the check, I never had a chance to check my account account again because shortly after, I was XXXX. From XXXX, I went to XXXX  for three years. So, if there were any discrepancies with the account, I HAD NO KNOWLEDGE. When I got out of XXXX, all the mail had accumulated at my mothers home. None of the mail was from XXXX XXXX about a past due balance.

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