BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-14
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: Credit inquiries on your report that you don't recognize

Complaint:
As XX/XX/2018 I check my XXXX XXXX account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my Experian profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.

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 2023-01-24
Company: EQUIFAX, INC.
State: PR
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 been writing to credit bureaus since : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX about some accounts that I do not recognize in my credit and they do not answer me and the accounts are still on credit. 
XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As XX/XX/2018 I check my XXXX XXXX account only to see transunion has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.

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 2021-01-22
Company: WELLS FARGO & COMPANY
State: NC
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 received my 2 stimulus payments and everyone that had it sent directly from irs is getting a temporary credit for them. I cant help that mine went to my tax preparer first but you can plainly see that it is a government payment. It says that right beside it. I also spoke to 2 supervisors that told me that they were filling out forms and that my money would be available in 2 business days. Im a single mother with XXXX children. I had told my landlord that it would be 2 days and I call back to check and the story has changed about having to be directly from irs. I really need this money. Please

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 2020-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter. I do not know how this item ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that this account is mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
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:
I asked the creditor to refrain from reporting any personal or financial information to credit reporting agencies without my consent in accordance with consumer protection laws specifically invoking my right under the fair credit reporting act FCRA. Creditor is reporting information without consent.

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 2018-04-15
Company: Early Warning Services, LLC
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 am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX   risk department froze my checking account and closed it. I was told by numerous XXXX  XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX XXXX XXXX has reported the hacked accounts to XXXX and Early Warning Services. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
This is in response to the first CFPB complaint I submitted. Citi has responded but not provided a full picture of the events. 
This is what happened : -XX/XX/XXXXXXXX I cashed a check for {$1700.00} to withdraw my entire funds from the CITI Bank Account . 
-XX/XX/XXXXXXXX I logged in to my Citi account and NOTICED that my account balance was reduced to {$0.00} and the check was showing up as a debit on my account. This is the day I chatted with the CITI reps and asked them to close my account. ( My balance was already showing as {$0.00} ). 
-XX/XX/XXXXXXXX My other bank ( where I cashed the Citi check ) informed me that the check had bounced, and I was charged {$34.00} bounced check fee from my own bank. I don't know why the check had bounced if CITI had already reduced my balance to {$0.00} on XX/XX/XXXX. 
-XX/XX/XXXXXXXX Yes I logged back in and noticed that my entire balance of {$1700.00} was still available, so I XXXX that back into my own bank to reduce the balance to {$0.00} and let the account close. 

After this, CITI Charged me a " bounced check fee '' as well ( not sure why if the check was already showing as cashed from CITI when I asked them to close it ). Then every month CITI charged me an overdraft fee to accrue multiple charges in fees. Yes as you stated, I was receiving statements, however if you see I also have 2 credit cards with CITI with a {$0.00} balance that I haven't used in a while. So when I was receiving my ELECTRONIC statement notifications via email, I was deleting them as the email only says " Your statement is ready '' and I never open the CC ones since I don't use my CC 's so I ignore those emails. 

Lastly, IF there was indeed an issue with closing my account why did the customer service rep not mention that there was anything pending? The CSR on chat Confirmed I had a {$0.00} balance ( implying my check had cleared ) and proceeded to close the 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 2018-04-16
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A cable company we had 6 years ago that was paid in full before moving ... all of a sudden without any contact in 6 years decides to send us a collection letter for {$1500.00} ( right after we buy a house ) the collection company is a well know FRAUD/SCAM collection company and this bill from XX/XX/XXXX was only first reported in XX/XX/XXXX out of the blue and to only one of the 3 Credit Bureas too ... this is fraud and I want it removed from my credit report.

The company is AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX we filed a XXXX  XXXX bankruptcy and then in XXXX  we attempted to convert to XXXX  XXXX but had it dismissed. Equifax is the only credit agency reporting this incorrectly as a XXXX XXXX  XXXX when it is not. It was dismissed. I have provided documentation multiple times showing it was dismissed and it has not been investigated thoroughly and updated to reflect the correct status. I have disputed this inaccuracy 5 times without any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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: Account status incorrect

Complaint:
Forbearance plan initiated XX/XX/XXXX. Late payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, has been paid during forbearance plan. XXXX is constantly reporting me 60 days late in forbearance, even though all monies are paid, besides whats due during forbearance {$16000.00}. Credit reporting is triggered somehow thru phone calls or payments to XXXX. If no communication is initiated, then credit reporting ceases. Communication with my mortgage lender, should not trigger negative credit reporting on specific months, when in forbearance. If its consistent, then all months should say 60 days late, but the error comes in when I was actually 90 days late from XXXX. This information is not correct in my credit profile and should be updated immediately. XXXX is the worse Thanks

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 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Failure to respond to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the CAPITAL ONE AUTO FINAN XXXX ] within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized Equifax to furnish anything on my credit report I contacted Equifax and have disputes these inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I enrolled in the Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. Once I enrolled in the program my student loans were transferred over to XXXX XXXX. Once I verified my employment they updated my remaining payments. In XXXX I also got verification for the employer before my current job and was told payments from that could be used as well. Once that was submitted the payments on my statements to XXXX became confusing. It Went from 34 Qualified payments ( XX/XX/XXXX ), to 20 ( XX/XX/XXXX ), to currently 17. At last call to them ( XX/XX/XXXX ) I was told a review was submitted in XX/XX/XXXX ). I have not been able to get an accurate understanding of where I am in the process of completing the PSLF program which is making it difficult for me to plan financially long term. I have made many decisions to remain at a non-profit given the opportunity to participate in the PSLF. There are several other practices that I have experienced that make me feel like they are not trying to help the customers in getting forgiveness. 
1 ) I have automatically been put in forbearance 2 times without my consent, the account accrued interest. When I followed up with this, I was told it was due to natural disasters that I was not a part of ( wildfires in XXXX California and Hurricanes on the East Coast ). I requested that the payment I sent be applied, but this resulted in an over payment ( which later I find out does not account for a qualified payment. 
2 ) Every time I call there is no information on my account being updated. I am told that the reviews of information take a long time, but I have been going through this over two years. I need to be able to plan long term financially for my family and I.

I am very concerned especially since I am hearing horror stories of people who think they have completed the program but only later to find out their payments did not qualify. I find it hard to believe that a financial institution can not tell the status of its customers financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX made APPT @ WELLS FARGO XXXX, GA, reason for the APPT to pay off my Personal Platinum card & Pay-Off and close my BUSINESS DEBIT I paid OFF both XXXX, I also ask the Bank Associate- to SHRED the CREDIT. 

XXXX I received a alert on XXXX XXXX, that my Information was sold on the Dark web, 2 different times in XXXX. I notified each of credit card company of my concerns as well as my personal & business accounts I was told to reset my password On XX/XX/2020, I was sent a alert stating my CREDIT SCORE dropped 41 points due to WELLS FARGO PAYMENT 30 days late, I reached out WELL FARGO, escalates the call to XXXX XXXX XXXX XXXX @ XXXX XXXX took the complaint, ,advise that I go back to the WELLS FARGO XXXX I closed the ACCT, an share with then that 1. The Card was NEVER CLOSED, PAYMENT was made on the BUSINESS ACCT, No post on the Platinum ACCT. 
I then called the XXXX police department an notified the Police Department that my personal details was compromised @ XXXX location 2. my ACCT was never closed,3. And another CREDIT CARD was ordered in my name! 
Ending in Number XXXX, That I NEVER AUTHORIZED Ive literally had to CALL OVER 43x, to follow up with the WF EXECUTIVE OFFICE, an they were suppose to Notify the CREDIT BUREAS of the Mayhem they have caused me, I was given 6 different CASE SPECIALIST to rectify, this Issue Only 2 followed Up [ XXXX XXXX XXXX in XXXX XXXX, IA ] I was told that my information would be updated. letter to All XXXX bureaus were Supposed to be Notified so my Credit Score will be updated. 
As Of XXXX XXXX, my Score has dropped 65 points, an is crippling me from receiving Any resolution for my Business Credit, as Well as my Personal credit. 
I can not believe these BIG BANKS, can get away with this type of malice ruining consumers lives

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 2022-08-08
Company: Experian Information Solutions 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:
This is my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, XXXX sending over an Identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Pursuant of FCRA section 605B ( a ) ( XXXX ) ( XXXX ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. XXXX XXXX XXXX XXXX, NY XXXX, XXXX CARD 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 2018-10-15
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and is being used in another state. I was reported to collections for an unauthorized charge I did NOT agree to and I did NOT sign for. I'm in the process of buying a house and was informed of this fraudulent charge and it is greatly affecting my health and I'm going to have to take legal action. The police have been notified and an police incident case has been started. I have sent the paper work to them and it's still on my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my Cash App debit card was declined due to no funds. After further inspection I noticed several fraud charges on my card. Within an hour and XXXX the criminals had used my card 5 times all in XXXX and XXXX MA XXXX I live in XXXX, TX and did not authorize these transactions. I notified Cash App and the merchants the same day, but the charges still posted to my account and now Cash App is saying it is not fraud and that the card is 'secure '. The Cash App claim decision number they provided is XXXX. I tried to call Cash App and spoke with a customer service associate who hung up on me. No one is helping me get my charges reimbursed. I have since filed a police report with the MA police and the TX police. Also filed a report with the XXXX  today. Charges total {$1800.00} Please help! 

XX/XX/XXXX XXXX XXXX XXXX XXXX MA {$290.00} XXXX XXXX XXXX  XXXX MA {$100.00} XXXX XXXX XXXX XXXX MA {$530.00} XXXX XXXX XXXX XXXX MA {$840.00} XXXX XXXX XXXX XXXX MA {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
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: Problem with personal statement of dispute

Complaint:
I refinanced my mortgage in XX/XX/2020 with PRMG. We set up auto-pay with our bank XXXX XXXX. We had 5 months of successful payments. Our XX/XX/2020 payment was issued promptly by XXXX but was not processed by PRMG. The money left our account & was returned after the XX/XX/2020 payment had been issued. When the XXXX payment was returned to our account we contacted PRMG, discovered that there zip code was incorrect ( fixed that issue ) & immediately direct re-sent them the payment & made our account current. PRMG ( or their loan servicer XXXX XXXX reported to the credit bureaus that we had a 30 day late payment. My XXXX credit score took a 120 point hit. 
I have spent hours with them on the phone & sent dozens of e-mails to both XXXX & PRMG trying to get resolution. I have promptly provided both companies every piece of documentation they requested from XXXX XXXX clearly showing the payments leaving the bank on time. 
At this point in time, despite promises & advocacy from PRMG my credit remains damaged. They claim that XXXX is the obstacle in repairing my credit. My problem with this situation is that PRMG/XXXX  happily processed our payments in several past months prior to XX/XX/2020 & never alerted us to any problems with our auto-pay. We in good faith engaged PRMG & set-up a payment program. Even after concrete documentation provided to the lender showing this to be true, their position has not changed. 
All I want is my credit fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: KS
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 looked at my credit report, and theres an authorized inquiries without my permission without my signature

Company response to consumer: Closed with explanation