BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: MD
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:
Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
3. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry. 
4. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Former : XXXXXXXX XXXX XXXXXXXX 7. The following personal information is incorrect Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/23 aprox XXXX my account was hacked into. The person stole about XXXX from me and decided to charge it all at a XXXX. I live in MD were no XXXX  are available. The person got access to my entire account and wiped it clean. The person charge over XXXX transactions at this place. My bank never notified me. I have also filed a police report. This person faked a text pretending to be CHIME bank and sent me a text to verify a purchase over {$500.00}. I immediately pressed No and that was their entrance to take over the account. This incident took place from Saturday night to Sunday. I can not survive without my money. These people are really damaging lives. I'm so disappointed my bank didn't catch this. Why would they see over XXXX transactions at XXXX place and not do anything about. Not one call or email to notify me of this suspicions activity. They transferred over XXXX from my account and sent there selves XXXX several times and spent the rest at XXXX over XXXX plus times. PLEASE HELPPPPPPP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
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:
i've paid to delete a collection account and i haven't get any notification from the collection agency stating that they are going to delete the collection account from 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 non-monetary relief
Consumer complaint received 2021-12-15
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:
I have reviewed my consumer report and find that LVNV funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent a letter to Jefferson to send me evidence this account even belongs to me. No responses. They can not validate this debt belongs to me. 

THEY ARE REPORTING TO XXXX  THE PAYMENT STATUS IS " 120 DAYS LATE '' ..This is not possible on a collections. 

THEY ARE REPORTING TO XXXX  " DATE OF LAST PAYMENT IN 2017 '' ... Not Accurate ... .They are re-aging the account and VIOLATING the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2021-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: MO
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICHELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 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 2019-12-22
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. This is not fair. I might lose my house that is in escrow

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 2019-12-22
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 am a victim of identity theft. This is not fair. I might lose my house that is in escrow

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 2021-12-15
Company: Debt Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Issues regarding total disability discharge. There is a conflict of interest as the Department of Education has contracted the review process for the total disability discharge to a student loan provider, Nelnet. 
They are also my loan servicer and told me I could not apply and my circumstances didnt quality ( which was wrong information ). 
I can't contact anyone at the Depr of Education, or someone " neutral '' to ask questions regarding their answers ( which is incorrect ). How can I trust they will follow the law and I'm not being denied merely because they hold some of my loans? 

I can't reach the Department of Education, all numbers I've tried redirect me to private third party " certified consultants '' who tell me to go on the Dept of Education website for clarification.

Where is my protection and help from Nelent and why can't I contact anyone give me assistance in overseeing the clearly unethical behavior of Nelnet and the Department of Education?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
State: IL
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:
Tried disputing with credit bureaus and contacting the companies for more information into the inquiries. Here were unauthorized inquiries on the following dates XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-12-22
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.

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 2022-01-14
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) Experian, XXXX, and XXXX. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities.

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( Experian, XXXX, and XXXX ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered XXXX XXXX, XXXX, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs for your reference.

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 2019-12-22
Company: EQUIFAX, INC.
State: MO
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 went to get all my credit scores and trying to figure out why I cant get a loan, a vehical, rent a home, a credit card, get a job ... like I'm XXXX  for the second time ... I have my identity leaked over the internet, all of the reports are wrong, I need a experts help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been a Bank of America ( " BA '' ) customer for over 30 years. I have my primary checking account and credit card with them. On XX/XX/21 around XXXX XXXX I received a text message from BA regarding possible fraudulent charges on my BA Visa card. I logged onto my account and identified 4 suspicious charges that I know I did not make -- XXXX XXXX XXXX XXXX ( {$6.00} XXXX ), XXXX XXXX XXXX {$24.00} - XX/XX/21 ), XXXX XXXX XXXX XXXX  ( {$57.00} XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX - XX/XX/21 XXXX XXXX I filed a fraud claim. BA closed my credit card, issued a new one, and gave me a temporary credit for the charges. Yesterday, I received a letter from BA ( attached ) saying my fraud claims are denied because " these charges are consistent with past charges with these merchants. '' First, all the charges are in or near XXXX, PA. I live in XXXX, VA, and I was in XXXX, not in XXXX, on the dates of the charges. Moreover, I can document my presence in XXXX with an in-person BA credit card transaction ( Bake Shop {$34.00} ) made on XX/XX/XXXX, the same date that two of the fraudulent transactions ( XXXX XXXX XXXX XXXX  ) were made. ( See my attached bank statement ). I have tried multiple times to reach the BA 's representment department to reconsider these claims. They are difficult to reach. When I did reach someone today, they told me they could not reopen a fraud claim, but could review the charges as a billing dispute with the merchant. 

This is not a simple billing dispute. Someone used my credit card number without my authorization to make fraudulent charges with four merchants. I want Bank of American to reconsider and review these four fraud claims more carefully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had the POA on my brother 's checking acct. at Wells Fargo Bank, and he passed away XX/XX/2022 and even though I had a living trust document, that left all my brother 's possessions to me, as the sole beneficiary, they would not let me have the money. It's only {$400.00}, but it's the principal of it. I went to the bank in XXXX, Ca. 3 times by appointment, I don't have the dates but they should. It was soon after his death in XXXX. I had to pay for his funeral and cleaning up his house out of my own pocket, and they were so rude at the bank.

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