BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
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: Account information incorrect

Complaint:
I am a victim of identity theft and am in the process of discharging accounts off of my report. It is the duty of the CRA 's to be reporting accurate information on my report. My credit reputation is damaged due to a supposed late payment reported on my account. I have always paid things on time and have never had an experience with late payments. As a result of this alleged debt being reported on my account, it has tanked my score and made it extremely difficult to act in commerce publicly. I am attempting to apply for apartments and with a score as low as this it is impossible, especially in California. I am working on getting the entire account removed from my report but in the meantime I need this late payment mark removed as soon as possible so that my credit reputation can return to its normal range.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY 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 2020-05-20
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I've sent the following message to U.S. Bank several times about a wire fraud committed almost a year ago and U.S. Bank has not cooperated with my bank ( XXXX XXXX XXXX ) in the investigation efforts. I've even been in touch with XXXX 's executive office to escalate this issue and XXXX persists that U.S. Bank has not responded or cooperated : I am contacting you in hopes of escalating my recall case to reclaim {$12000.00} made in a wire transfer, on XX/XX/2019, from my XXXX XXXX XXXX account to a fraudulent US Bank account. Unfortunately, the reason for the recall is that I've been a victim of a wire scam and possible identity theft. 

The details of the crime, involving the impersonation of the FBI and local police, are documented in the following ( and attached ) : Police report ( XXXX XXXX Police Department ) : Case # XXXX FBI ( ic3.gov ) : attached FTC : Report # XXXX Consumer Financial Protection Bureau : Complaint # XXXX XXXX XXXX XXXX Recall : Case # XXXX ) This is the fraudulent US Bank account information ( the wire transfer receipt is attached ) : Beneficiary Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX In my recovery efforts, I contacted XXXX as well as US Bank on the same day of the wire transfer to stop the transfer while it was still pending. US Bank representatives would not speak to me in detail because I am not a customer but did inform me that the recipient account had already been flagged for fraudulent activity and added a note to freeze the wire transfer funds. XXXX opened a recall case ( Case # XXXX ) to reclaim the funds. 

US Bank responded to XXXX on XX/XX/XXXX requesting a hold harmless letter, which XXXX is in the process of approving right now. XXXX informed me that after the hold harmless letter is sent to US Bank, I would have to wait 30-90 days for US Bank to make a decision on the recall. 

I trust the integrity of US Bank to not accept wire transfers to a fraudulent account that was already flagged. I hope you can help escalate the recovery of my funds ( {$12000.00} ) as soon as possible. I worry that the longer this process takes, the more time the criminal ( s ) have to move the funds. My case is currently under investigation by the XXXX XXXX Special Victims Unit and if XXXX and US Bank can not help resolve the issue, my next step is to take legal action.

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX  XXXX A Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After Before Close XXXX XXXX XXXX  XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$20000.00} Credit Limit {$780.00} Highest Balance NA Terms {$0.00} Balance Updated XX/XX/XXXX {$41.00} Recent Payment Amount

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 2019-10-01
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 have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.

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 2020-12-10
Company: Experian Information Solutions Inc.
State: WA
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:
Member ID : XXXX I use Experian to monitor my credit ( FICO ) over the weekend of XX/XX/XXXX through XX/XX/XXXX shows a 22 point drop in my score when I have not used my credit, since XXXX of XXXX, when contacted Experian via email only, ( NO ANSWER WHEN CALLED ) their response was ( see below ), None apply to my concern? Confused that it will show past account information but can not explain why it dropped if their business is credit monitoring? 
I looked at another credit monitoring app that I also have and it showed my FICO had not changed? One would expect Experian to give a detailed explanation as to why it dropped 22 points, not just a blanket statement XXXX22 points is quite a huge drop as I am concerned that it may be identity fraud? 

" Valued Customer : '' Thank you for contacting Experian. Since we are not licensed credit advisors, we can not attempt to explain exactly why your score changed. Still, we would like to provide some information you may find helpful. 

Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported Your credit card balances have climbed An account was opened or closed Youve recently applied for new credit An account on your credit report has aged off Credit scores are calculated based on the information in your credit report. Please note that credit scores can vary depending on the scoring model used ( examples : FICO or VantageScore ). Additionally, credit scores can vary based on which credit reporting agency supplied the report. The score is based on your report and creditors are not required to report to all credit bureaus. The three major consumer credit reporting agencies in the U.S. are Experian, XXXX  and XXXX. Experian memberships utilize Experian credit reports and the FICO Score 8 model. 

The primary factors that determine a persons FICO credit score are : 35 % based on payment history 30 % based on amount of credit utilization 15 % based on the length of your credit history 10 % based on hard credit inquiries 10 % based on types of credit ( revolving, installment, etc. ) You may learn more about credit at https : //www.experian.com/blogs/ask-experian/ Sincerely, Your Team at Experian

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 2018-03-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have had four disputes with Synchrony regarding a delivery of appliances that was delivered and then taken back by the delivery company due to my frustration that they did not have the entire appliance order that I made. Synchrony has had four chances to resolve the dispute and they have not undertaken a full investigation and solely relied on mistruths by XXXX  that the delivery company " delivered '' the appliances. Yes, they delivered them, and then they took them back.

I was in touch with the President 's offices of Synchrony, XXXX XXXX, and he has not initiated communication at all other than an introductory email. Synchony, as is typical, has not notified me in a timely manner as to the dispute resolution.

Attached find a chat I undertook with Synchrony to find out the dispute resolution as Synchrony has not notified me of their " resolution ''.

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 2020-05-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, I have a complaint to the bank of citi bank, since 3 years ago I Applied for a secured credit card which made me make a deposit of XXXX dollars, which to date they have not wanted to return, they have sent me 2 letters telling me that they can not return it to me, and when i deposit it they tell me that within a year they will return it to me and it has not been so

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 2020-12-10
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 
Please delete the following accounts : 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 XXXX  XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX  XXXX  This is my only number XXXX All other telephone numbers are not 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 explanation
Consumer complaint received 2020-06-02
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 am filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: MA
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:
On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2020-12-10
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 capital accounts contacted me at XXXX XXXX. I spoke to a representative about a debt they were trying to collect that I was unfamiliar with from my primary care physician. I asked the representative if I could pay it online, as I had not had a chance to investigate this claim. She gave me the website, and explained the process of expunging the debt from the credit bureaus. The conversation was polite and informative. The call lasted 3 minutes and 57seconds. 

Today, XX/XX/2020 I received 3 phone calls in less than one hour from Capital Accounts the first at XXXX XXXX, second at XXXX XXXX, and the third at XXXX. The third phone call I stepped away from work to answer and informed them that they have called three times now this morning and I am at work in a hospital and asked that all further communication must be done through mail. The woman who was on the other end of the line when I answered the phone also shouted my name at me. She was very inappropriate. 

I think this repeated calling after I already spoke to a representative is harassment. I work in a community hospital in XXXX TX as a XXXX  XXXX. I'm not sure if Capital Accounts is aware, but we are almost a year into a global viral respiratory pandemic and thousands of people are XXXX a day ... as a XXXX  XXXX my time at work should be committed to my patients, NOT a bill collector.

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 2020-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company PORTFOLIO RECOVERY which I hold NO CONTRACT with has continued to call and harass me 5-8 times a day trying to collect a debt I DO NOT OWE! They have put these collections against my SSN in the amouth of {$710.00} & {$480.00} ( THERE ARE TWO ACCOUNTS ) I have asked for verification of these debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT BOTH ACCOUNTS BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-05-20
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH 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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXXXXXX BOA XXXX XXXX To whom this may concern I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and/or XXXX ) credit report. My latest credit report shows aloan inquiry that I did not authorize. 
I writing to dispute the following inquiry and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, 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