BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a fraudulent charge of {$5.00} on my credit card. I reported this several times, being referred and transferred endlessly to various departments and nothing has been done by XXXX XXXXXXXX XXXX. As a result, my account is delinquent, they have substantially reduced my credit limit and I have now got a negative report on my credit score. I would have simply sucked it up and paid the fraudulent charge, but I now refuse to on principle. XXXX XXXX XXXX need to fix this and apologize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
HiI live in USA and While applying for a job online. One bad day I received a call from so called XXXX from unknown number and taken my interview. Post that they mailed me job contract which I sent them back signed. The job was for a XXXX company based in XXXX, XXXX named XXXX. The job mentioned was of a sales and payment coordinator in which I have to collect/receive payment from the customers who are willing to avail travel services of the company mentioned and will pay on behalf of the services they enjoyed or intend to enjoy. Since the company does n't have office or branch in US they are recruiting such agents like me for collecting the payment. 
One day I received a mail via XXXX at my address containing a check of XXXX/- USD of XXXX XXXX XXXX on which my name was written as a beneficiary. Immediately after I received a mail from company 's head agent who was suppose to be my manager named XXXX XXXX stating that I need to deposit this check in to my account and after deduction of XXXX % ( e.g. XXXX/- USD ) have to send the balance money to some address in XXXX via XXXX. I forgot to tell that according to their job contract I shall be paid USD XXXX/- a month as a salary as well XXXX % of the commission of what ever the payment I collect. The tax and other IRS and legal expenses will be born by them. Considering this offer a lucrative one I accepted and as a first task I received this check of XXXX/- USD which I deposited in to my wells fargo bank 's checking account. While going to withdraw the balance amount ( XXXX % after deducting my so called XXXX % commission ) on next day in to the bank I came to know that the check could n't be cashed because it 's a forged one. That 's fine but additionaly the bank has close my account and debit/atm card saying that I am no more be able to use or bank with wells fargo bank not now nor in future as my banking relationship with the bank is ended because of this forged check I deposited but not cashed or withdraw. I became a victim of someone else 's forgery but I am punished by closer of my account. I spoke to bank manager personally as well to customer services and also to their fraud department. They all refused to re-activate my account saying because of this forgery your account is permanently closed and better you find some other bank to deal with not well fargo. 
My concerns and the help I seek from you are as follow ... 
1 ) Can bank close my account in such case/2 ) Can they re-activate/reopen my account considering me a victim of forgery? 
3 ) Do I be considered guilty in such case? How? Since I am not the culprit but a victim? 
4 ) Will this incident reflect bad in my back ground check? 
5 ) Will this be effect any thing adverse or bad on my credit score? 

Please help me answering this.. 
Thanks a lot in advance. 
Rgds, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
To : XXXX and Experian According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you will read the documentoon that this creditor sent to me that showed that did have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly, the status is different on each other - look at the attachment from XXXX and Experian- the status if it is a collection thats all You can list - one word - you cant list collection twice in two separate entries you idiots! collections is a status, medical debt is the type of collection this is. 

You better fix it or deleted it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!

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 2021-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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 disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Midwest Recovery Systems
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:
On  XXXX   XXXX ,    2017 I checked my credit report which I do annually. I found that in  XX/XX/XXXX  of last year, a collections account was placed on  my report from   XXXX   XXXX   XXXX   in the amount of {$620.00}. Not only do I have no idea what this is, this company has never contacted me either by mail or phone and the parent company from where they acquired this debt is foreign to me as well. I 've opened disputes with all  XXXX  credit agencies as well as a BBB complaint. I wish to have this fraudulent account removed from my credit report as it is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NJ
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:
Recently checked my credit profile these following accounts are fraudulent ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Those listed accounts are hindering my credit profile and me from buying a new vehicle and house. Multiple attempts on my end was made to remove these accounts due to their fraudulent nature. I would like these accounts removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MO
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:
this is a violation of 15usc 1681a2 I didn't give written permission to have XXXX XXXX XXXX  XXXX XXXX XXXX, or XXXX furnished on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I was contacted by a person impersonating a real cop from my town saying that I had not shown up for court for one of my juvenile clients ( I'm a therapist ) despite signing a court summons. I went into panic mode XXXX  I have a professional license that any kind of misdemeanor can mean it gets revoked and I no longer have a job. The person sounded like an XXXX XXXX ( not foreign ) and called from a number that said " XXXX XXXX '' on it. He threatened me with criminal charges if I didn't pay the " bond '' fees for the charges against me until I was back in town ( I was out of town when this scammer called me ) and could prove I hadn't signed the court summons. Long story short - he got XXXX out of me ; looking back, I realize how stupid I was, but I'm new to my job and messing up by not being somewhere I was supposed to be ( like in court for one of my juvenile clients ) wasn't out of the realm of possibilities. He defrauded me by pretending to be a cop, and now the bank won't refund the money I lost saying that it was an authorized transaction. But is it really authorized if it was under duress and fraudulent? I disputed the charges on XX/XX/22 and they must have denied it immediately ( i never got an email ). When I called them to check the status, they told me I should have gotten an email about it. While on the phone, I asked if they would reconsider, and they said no - their decision was final. XXXX is nothing to this bank, but it's a lot for me and my family. I've already filed a police report. I know I was stupid, and I've learned my lesson, but I just think the bank is being unfair in this situation. If I had called and lied and said that someone broke into my phone and completed the charges, would they refund then? I don't understand the logic- it was a transaction that was obtained through means of fraud, impersonating an XXXX ( a real one that actually works in my town! ), and threat to my livelihood. Please, I am begging you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge.

For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Every time I apply for a synchrony bank credit card I always receive the same decline response application as a risk factors that caused us to be on sure of your identity. Or unable to verify identity. This is synchrony banks, job to call me and verify the application it is not fair that I am using my inquiry to apply for credit with my credit score being in the 700s debt to income, low and income high for you to decline me for such frivolous purpose. I am including a copy of my drivers license, state ID card, Social Security card, and letter to verify that this is me I need for you to reconsider this application.

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 2018-11-21
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: Old information reappears or never goes away

Complaint:
TRANSUNION RESOLVE MY RCENT COMPLAIN AND DO NOT REMOVE THE ITEM THAT WAS MORE THAN SEVEN YEARS IN MY CREDIT REPORT 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 2021-07-11
Company: Experian Information Solutions 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 have mailed in a complaint letter on XX/XX/2021 for inaccuracy on two collection accounts that are not mine. These accounts are unauthorized by me and I have not received any responses back from. This is very frustrating I have not been able to close on a house due to these false remarks on 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 explanation
Consumer complaint received 2018-02-16
Company: LDF Holdings, LLC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a loan from XXXX XXXX XXXX for {$1000.00}. I called this company 4 times and asked for these people to change my bank account information. They didn't change it, instead they continued to try to take the funds out of an account that had no money in it, causing it to go into an over draft status, thus, generating even more fees from my bank. Also, after receiving the loan, I realized that I was being charged an excessive interest rate, I looked up my state law and read that the cap in my state is 36 %. This company is charging me 515.35 %!!! This loan will cost over {$4000.00} with that interest rate. 

They are deceptive payday lenders that are hiding behind a tribal affiliation. They say that their tribe laws over ride state law? How is that? How do they legally charge over 500 % interest?! 

Never again, especially with this company. Its criminal that they take advantage of people that are clearly already struggling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TRANSUNION CONTINUALLY REPORTS A FORECLOSURE ON MY CREDIT REPORT. 

I have nothing to do with ANY foreclosure ; NONE of my assets have ever been foreclosed upon. 

Please REMOVE this erroneous 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 2022-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Experian, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2019-08-21
Company: Bread Financial Holdings, Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX   XXXX XXXX XXXX ( XXXX. Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: CT
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:
Got a credit report done and found a mortgage loan that has been open for about 7 years without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: AMERICAN EXPRESS 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: Card opened as result of identity theft or fraud

Complaint:
Hello there was 2 accounts opened in my name American Express and XXXX XXXX XXXXXXXX XXXX. 
The account for American Express was closed on XX/XX/XXXX by the company but on my report it shows closed instead of removed completely same thing with the chimefin/stride bank it was closed on XX/XX/XXXX but show closed on my report and not removed.Due to the fact of them beening closed and not fully removed i lost 114 points on my credit.

Company response to consumer: Closed with non-monetary relief