BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2018-08-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is about TD BANK enormous usury fees without full disclosure and the problems with XXXX. My property was used for storage, never touched until TD BANK sent in workers to change the locks.We believe TDBANK Workers took out storage boxes marked " Silver '' then went back for more. We believe TDBANK workers took away, stole, the entire contents outside the back door leaving a gaping hole. We are still trying to discover what they took away leaving a gaping hole.The break in was discovered early XX/XX/2018 by XXXX XXXX XXXX XXXX broker ( XXXX  ) who had property for sale. XXXX  went to check the property, saw the break in and damage. XX/XX/2018 XXXX said TDBANK needs to track down the workers who broke into and ransacked my property. Full disclosure is a legal requirement in real estate transactions and TDBANK did not do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received fraud on my Wells Fargo account over the course of two days totaling {$14000.00} ( XX/XX/XXXX for {$9800.00} and XX/XX/XXXX for {$4900.00} ). While awaiting the fraud department to work on the claim I filled out the account fraud affidavit and had to send it via XXXX because the " enclosed envelope '' was non-existent. I submitted the documentation the day after I got it on XX/XX/XXXX and received a letter today ( XX/XX/XXXX ) that my fraud was declined and that " I sent the money to myself ''. They made this leap because I opened an XXXX XXXX Credit Card back in XX/XX/XXXX and used it exactly 1 time ( there is no history on the account except for that one time {$67.00} payment on my account ). This shows up as a Credit Card ePayment on the account, but the fraud was for XXXX on-Line Bill Pay with an actual account number ( I only have a credit card, no account number with XXXX  ) 8 months later. They claimed that I used the account prior and basically said that the fraud account that I lost my money to must have been the XXXX XXXX Credit Card account ( which has a limit of {$5000.00}, so I couldn't have sent more than that amount even if it was maxed out ), so it was two separate accounts that they deemed matched for whatever reason and didn't even give time for my affidavit to arrive before deeming my life savings as not their problem. I literally proved that the accounts were not the same myself in about 5 minutes and this is all my savings, yet Wells Fargo is doing nothing ( they could have called XXXX and proved this, which they obviously never did either ). Furthermore, Wells Fargo did not ask me to call and have a police report created for the fraud, so I just got one done on my own. Also, the affidavit information has no tracking and they won't provide me with another copy so that I can ensure that they get the information. I have bills due in less than XXXX weeks, and this is the week of XXXX, so I can't buy anything for my family on XXXX XXXX  or XXXX XXXX  now ( I can barely afford my rent now that the account was drained ).

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/21 to XXXX, TransUnion, and XXXX to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, TransUnion, and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : 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 2021-11-22
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or about XX/XX/XXXX, I became aware of more than {$20000.00} of fraudulent charges connected with my XXXX XXXX issued through Barclays Bank Delaware, XXXX XXXX XXXX, XXXX, DE XXXX. XXXX is a college savings program and I have held this credit card for almost 20 years. 

I contacted customer service immediately, and the representative was able to tease out legitimate charges from the clearly fraudulent ones. I was told a fraud investigation was initiated, and instructed to cut up the card. These bogus charges were easily distinguishable in transaction size, the types of vendors reached ( i.e. XXXX XXXX ) and frequency of charge compared to my normal activity and spending patterns. At no time in the run-up to initiating contact with customer service did I receive communication from Barclays about large, unusual charges or increased frequency of card use. 

On Monday XX/XX/XXXX my bank was legitimately charged for just over {$1000.00} in purchases, and funds were disbursed accordingly. On Tuesday XX/XX/XXXX Barclays, despite being on notice of fraudulent activity attached to my card, attempted to reach my bank account for more than {$20000.00}, putting my bank account seriously in the red, leading to bank fees etc. My bank, on XX/XX/XXXX declined to pay. Yet again on XX/XX/XXXX Barclays tried to access my bank account once again for over {$20000.00} in fraudulent charges. As of this writing, my bank account shows a negative balance. 

On Saturday XX/XX/XXXX despite more than 3 hours in calls with more than 5 customer service, fraud, security staff at Barclays I was informed that a ) Barclays would not provide temporary credit pending completion of the investigation, or B ) intervene to stop efforts to collect from my bank account, despite more than 96 hours of notice about the fraud. c ) I was further informed that the investigation would take between 30-45 days to complete. 

Additionally, I will be complaining to XXXX and have filed a XXXX complaint in Delaware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: DE
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:
I asked the credit bureau Experian, to do a Verification on everything on my credit report and they stated everything was accurate and I did a thorough research myself and found improper inaccuracies on the credit report even after they did a thorough research. In accordance with the Fair Credit Reporting Act All the accounts I have listed below have violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account 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 2019-04-30
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I was alerted to a Past Due notification from the FICO Credit Monitoring service for the above mention account. I called to dispute this information that was placed because the fact that I never applied or even applied for the Home Depot Store Credit Card. I was told that an investigation would be opened and looked into the matter. 30 days later I never received anything but was alerted once again about a Past Due payment this time a 60 day. I called and talked to the Fraud Department and was told that the investigation was closed due to the fact that I never disputed a single charge to the account. I replied that the whole account was fraud and that I never applied for the credit card. I was also made aware of a second Home Depot Store Card in my name. I was told that the authorized user that was on the account applied frequently using my information. I later spoke with the Fraud Department and was told that the account XXXX was deemed unsubstantiated for fraud because the person that opened the account was a family member and would have to handle it in civil court. They also stated that the account was opened fraudulently, but I was still liable. They reopened another investigation and as of the date of this letter it is in your recovery department. I received a letter dated XX/XX/2019  that deemed the account XXXX as unsubstantiated and now I am facing a 143 day past due violation. I was told by the Fraud Dept not to make any payments. The account was opened without my consent and I had no way to access the account because the mailing address, phone number, and email address was in my fathers name. I explained that my father passed away in XX/XX/XXXXand that if it wasnt for the fact that I had been alerted by the monitoring service I would never know that I had the account. I had no information regarding the account. My father opened an account with XXXX XXXX XXXX and I disputed that claim attached are the findings.

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 2018-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX I sent a certified letter to portfolio recovery stating that they send me proof of validation of this debt unless they needed to remove it from my credit report. They sent me back documentation but not validating this debt to me. Ive requested they remove the debt from my credit and they still havent done it. They gave no supporting documentation that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: WELLS FARGO & COMPANY
State: FL
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:
PLEASE ASSIST ME WITH THE REMOVAL OF THE FOLLOWING ACCOUNT CURRENTLY BEING REPORTED ON MY CREDIT REPORT THAT DOSENT BELONGS TO ME 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 am reaching out as I have previously disputed unauthorized inquiries on my credit report from XXXX, XXXX and Equifax. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one savor one suddenly and abruptly cancelled my account and sent me an email on XX/XX/XXXX XXXX XXXX in the morning stating they were closing my account on XX/XX/XXXX ( makes no sense ) due to purchase activity has not been consistent with our expectations of how consumer accounts are used. I use my card frequently and I always pay off my card. Absolutely frustrating Ive been a customer for XXXX years. I tried to resolve it with the customer service but they stated they dont know the reason and they can not undo it because they are a third party customer service. They recommend that I send a letter to the actual capital one bank with questions and concerns. Which does nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: Collection Bureau of America Ltd.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got an installment loan with a company that provides water dispensers at the beginning of the year XX/XX/XXXX, I believe I was supposed to get the first month free and then start receiving a bill for the dispenser.I got the dispenser from a stand that was setup inside XXXX supermarket, I contacted XXXX and they informed me that the company was separate from XXXX itself. I never received a bill from the water dispenser company and when I asked the delivery driver who drops the water off for info about the dispenser, I was told he would put in a request and I should receive a call from them. I never got a call and then because of my wife being in the XXXX we were relocated, and moved from that address in XX/XX/XXXX. I did not realize until a few months later that something was added to collections on my credit. I called the company who owns the loan now and tried to explain the situation and they just wanted me to pay for the loan. I don't even understand how the dollar amount of the loan got to where it is now when I was never given a breakdown or any information on what the loan total would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXXXXXX  I submitted proof of identification, FTC ID THEFT REPORT, IDT 100 form, Division of Taxation notification. and a written statement. Between XXXX, the major credit reporting agencies ( CRAs ) responded. Equifax denied to block the information from being reported. Equifax wrongfully assumed misrepresentation, error or receiving goods for completing the transaction and requested document that was provided with the dispute ( FTC report or police report, specific account and identity ). 

( XX/XX/XXXX @ XXXX EST ) I visited XXXX Police Department XXXX XXXX precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX EST ) credit bureau dispute resolution center and spoke with XXXX , who confirmed that there was identity theft note in my file. I requested the necessary documents to no avail, then I was transferred to XXXX. XXXX did not have the right address on file since before XXXX. So I updated my address on file first. Next, XXXX stated that XXXX XXXX does not have transaction records anymore ; records were sent to the Attorney. I called the attorneys office, XXXX & XXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX . I never received the documents. 

Equifax did not provide methods of investigation or thoroughly investigate the dispute. If so, Equifax would have known that my information was compromised in XXXX during the Equifax Data Breach ( Claim # attached ). 

I am a natural human being and I have autonomously created this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines.

Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved 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 2018-04-18
Company: CITIBANK, N.A.
State: AZ
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:
My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


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 non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief