BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: In progress
Consumer complaint received 2023-11-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found out that I had something reporting on ChexSystems when I tried to open a new Checking Account. I filed disputes with ChexSystems and XXXX. I reached out to ChexSystems on XX/XX/2023 and XX/XX/2023. They have kept it on there and have not sent me any documents.

Company response to consumer: In progress
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because WELLS FARGO have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2021-02-03
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received credit denial letter from Citibank for credit card on XX/XX/XXXX " Unable to verify info on consumer report ''. Same day got a PIN # letter for a card ending in XXXX. Contacted Citibank # that was on the activation PIN letter. Spent hrs trying to get someone in Fraud Dept to assist. Kept getting transferred or hung up on. Asked for my social multiple times bc I didn't have full card #. Never was able to get someone to tell me anything more than it was a checking acct, not a credit card. Then on XX/XX/XXXX, I received the debit card in the mail, with nothing else but an activation #. Then on XX/XX/XXXX, I received checks in the mail with a letter that states before I use the checks, I must fund the account. These are all for a checking account with Citibank. I do not have any open/active accounts with Citi, and I locked all 3 of my bureaus. When I attempt to contact Citi - it wants me to activate the card, which I refuse to do. A friend of mine just received a XXXX debit card with the same exact situation, and numerous co-workers are dealing with unemployment fraud claims. This is highly concerning, because it could have easily gotten into someone else 's hands to activate in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a request to investigate an inaccurate account on my credit profile on XX/XX/2020. After about 35 days of no response, I sent another letter on XX/XX/2020 stating that I did not receive a response from the agency in regards to the investigation results and would like for them to investigate my account. It is XXXX and I have yet to receive a response. I'm looking to purchase a home and these inaccurate accounts on my credit report are stopping me from being able to achieve my dream house.

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: TRUIST FINANCIAL CORPORATION
State: NC
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:
Using XXXX at XXXX XXXX Bank, sent my Suntrust credit card a payment. Suntrust showed received XX/XX/2021. Then XXXX XXXX pulled it back. I was not aware until the middle of XXXX. No one emailed, called, or texted. I finally got a note in the mail. By this time Suntrust added a {$20.00} late fee. Contacted both banks and neither knew what happened. Finally, after days, XXXX XXXX said it looked like their system pulled it back because it had been paid with an electronic check assigned the same check number as a paper check I had written previously. 
I told Suntrust what happened. They said pay {$10.00} and they would reverse the fee. That made no sense to me so I wrote and mailed a check paying off the credit card minus the {$20.00}. Then I paid the {$1.00} interest added. Somewhere in the middle of all this Suntrust reported to the Credit Bureau and my score dropped from XXXX to XXXX. This in spite of the fact everyone agrees NOT MY FAULT! 
Suntrust justifies this by saying " Well, it's not our fault this happened. '' XXXX XXXX said they would look into it and contact me in a couple days. That was a week ago. I want my credit score restored.

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 2019-11-16
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
malice prosecutor, not at good faith. I had an old credit debts was open in XX/XX/XXXX and paid off closed on XX/XX/XXXX. now I debt collector hayt hayt landau p, l sue which I asked them with signature open that account they can not show cause they no prove. I went court I told the judge without prove of my signature open an account for $ XXXX.it is not mind. they said all fees including. I show prove from credit burau where I had an account with XXXX  XXXX XXXX and account where paid and closed. they said, they are the one who paid it. case was disposed. two years later they are tried to garnished my money. I went to court garnishment dissolved. now they tried again recently garnishment dissolve. I told them show me where did I open that account with my signature. and for last, they have tree different 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to file a formal complaint against TransUnion regarding the reporting practices of XXXX XXXX, specifically pertaining to the late payments on my XXXXXXXX XXXX XXXX for the months of XXXX and XX/XX/XXXX as well as XXXXXXXX XXXX  XXXX. The Payments are still reporting late. These late payments have had a detrimental impact on my credit score and financial reputation, which I believe to be a direct violation of my rights as a consumer. 

On XX/XX/XXXX, I sent a certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX, expressing my strong dissatisfaction with the late payments reported on my credit profile. As outlined in my correspondence, these late payments are in clear violation of 15 U.S. Code 1666b - Timing of payments, which states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure timely delivery of the periodic statements. 

XXXX XXXX failed to adopt the necessary procedures to ensure the timely delivery of my statements. Consequently, I was unfairly burdened with the late payments in question, which were not my fault and should not have occurred. 

Additionally, I would like to bring to your attention that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. This further adds to my concern regarding the accuracy and validity of the reported late payments by XXXX XXXX. 

Furthermore, on XX/XX/XXXX, I sent another certified mail request ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX ) directly to XXXX XXXX, invoking my rights pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and The Privacy Act of 1974. In this letter, I explicitly requested that my personal information not be shared with any third parties, including TransUnion and other credit reporting agencies.

I expect my privacy rights to be respected, and my personal information should not be shared without my consent. It is imperative that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act Of 1974 by ensuring the accuracy and up-to-date information within my credit report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against TransUnion for their role in the inaccurate reporting of late payments and potential violation of my privacy rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the rectification of the errors in 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 2022-09-06
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX Balance {$520.00} Balance updated XX/XX/2022 ACCOUNT STATUS IS INCORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts I have noticed in my credit report should not be in there. I was not notified so I am filing this complaint for myself. As the original creditor, only I can validate this debt and I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2021-02-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received over XXXX dollars into my capital one bank account and I filed a police report at the XXXX precinct in the XXXX on XX/XX/XXXX, for XXXX larceny report number XXXX my previous XXXX had been jailbroken, and my identity compromised. In XX/XX/XXXX I noticed fraud on my account on my Capital One 360 online bank statement and in XX/XX/XXXX I called to dispute some charges as I had not identified all of the charges that were fraudulent in XX/XX/XXXX. I called back on XX/XX/XXXX, spoke with the Customer protection department and notified them that I have fraud charges on my account. I spoke with a young man who took some of the charges and then a lady from the same department advised me that I needed to replace my cell phone because XXXX advised me that my phone had been compromised. So she stated that when I get a new phone to contact the bank because they were going to restrict online access and I would have to go to the closest branch to the bank. On XX/XX/XXXX I withdrew money from my account at the branch and was given a yellow sticky by the bank teller to call the number listed on the paper. I called Capital one 360 and they notified me that after reviewing the account that once the fraud charges are investigated my account would be closed because of suspicious activity and that the bank had the right to close my account for any reason. I have been a capital one customer for 6 years and when I called in XX/XX/XXXX the bank made no mention of closing my account until I called about fraud on my account. I am a XXXX veteran and I am XXXX I need my account to stay active until I receive my XXXX check on XX/XX/XXXX, because it will take Social Security time to change my direct deposit. I am still gathering as much proof as possible regarding the fraudulent charges because the Capital one Customer protection department ( XXXX ) XXXX gave me an email address to send additional documents and that she could not promise anything but they would review documents regarding them closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I no have any account with bank of america

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft fees repeatedly in excess of {$35.00} per transaction from my checking 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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/2022 TransUnion received a certified mail letter from me asking for proof of verification of collection items : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  By law, TransUnion had up to 15 days to reply with a complete list of all documents and correspondence that led them to verify the items, including all names and contact information of employees that they spoke to as part of their investigation. 

It has been over 30 days and I have still not received a response on this matter from them. However, they have not removed the items as required by law from my credit report. 

I implore the CFPB to force TransUnion to remove the erroneous collections from my credit report at once.

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: Mitchell Rubenstein & Associates, P.C.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mitchell Rubenstein & Associates , P.C . has had oversight of my debt to XXXX XXXX XXXX XXXX XXXX since XX/XX/2007. An agreement was made to pay {$200.00} every month until the debt is paid in full. Every month, I receive a letter informing me that the pre-authorized collection of {$200.00} for this debt will be drafted from my bank on the first of the month. I've made several calls to this firm over more than a year, to ask for my balance of this debt. As part of their communication, as a minimum, at the end of the year, I feel the Firm should send me the outstanding balance of my debt. At this point, I don't have any idea as to how much I owe XXXX. I would like for you to contact this Firm to have them send them the balance of my debt to dateI called the XXXX number and was given XXXX. I have yet to get the person assigned to this number, and the individual has never returned my call. My information for this firm is : XXXX XXXX, File No : XXXX, Acct no : XXXX. This is the only identification info that they send with my letter of notification for pre-authorized draft of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: IL
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:
However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

Company response to consumer: Closed with non-monetary relief