BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXX/XX/XXXXwith a balance of {$7800.00} -This is not my 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 2020-12-02
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: IL
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 XXXX Acct. No. XXXX is OBSOLETE. 

Delete this account 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 2022-07-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Card issued by Net Spend. My name is XXXX XXXX and my live-in boy friend is XXXX XXXX. We received a check from XXXX XXXX XXXX on a claim from vandalism and theft. We put the money on a Net spend card. The funds have never been available to us. We have called and talked to several different people about withholding our money as we need to replace the items stolen during the break-in of our house. 

They keep telling us it is in the account but hasn't been released. When asked for a release date they say 5-10 business days and it has been over 30 days as the checks were deposited in late XX/XX/. They claim that it should have been ready for release on the XX/XX/XXXX after several more calls asking for the status. It is now the XX/XX/XXXX. still no money and we're talking about close to {$6000.00}. At one point I was told that the funds will be on my card " within 24 hrs just DO NOT TURN IN A COMPLAINT TO THE XXXX  ''. I have read some gross story 's about this company pilfering money or as in our case no money at all. What can be done about this?

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 2023-03-26
Company: U.S. BANCORP
State: UT
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 checked my credit report and found a hard inquiry on my credit report from a US bank on XX/XX/2022. 
I have never done any business with a US bank and do not know why they put a hard inquiry 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 non-monetary relief
Consumer complaint received 2020-12-01
Company: John C. Heath, Attorney at Law, PLLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
We signed up with Lexington Law and to help us fix our credit and they said we could cancel the service at any time. They took money directly out of our account to fix the credit, which they never paid off any debt or fixed anything on our credit. We have tried many times to cancel this and now they are harrassing us with phone calls, three times a day at minimum and refusing to cancel our service. What do we do to get them to stop this harrassment and to cancel this service. They advertise that they help you, but all they do is take your money and do nothing for your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( EQUIFAX ) XXXX XXXX - XXXX ( 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 an account without my written instructions 15 U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The accounts with XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, ALSO happen to be fraudulent, and the credit reporting agencies refuse to comply. I need IMMEDIATE compliance after failure to comply in previous disputes. To verify that an address listed on my

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30 DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.

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 2019-03-09
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi I have 2 existing loans and tax information on the conduent loan service website and I can't access my loan information. When I called on XX/XX/19 I was unable to get a representative to speak to me to find out more information. My existing login information for conduenteducation.com was working as of XXXX and now it continues to say that they no longer service my account. However I received no notification of this or new lender info. My username and password simply do not work. I am now a month behind on payments and am trying to resolve this issue with conduenteducation.com.

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 2023-03-26
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXXXXXX {$1800.00} CLOSED CHARGE OFF XXXX {$14000.00} CLOSED CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day PayPal closed my account for no reason and will not help me with getting it back up and going. I use the account to pay and receive money from friends and family. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them as i tried all their customer care and social media customer care with no success. I emailed and tried to call but, it won't go through. I would like to file a report on here as they are also withholding my funds of {$5000.00}. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. XXXX Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-12-01
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I made a payment of {$4500.00} instead of my monthly car payment of {$450.00} in error. I immediately contacted Ally Bank, the company I make my car payments to and they stated I would receive a refund by XX/XX/XXXX. In the meantime, I continued to make my monthly payment ( {$450.00} ) for XXXX. And as of today, XX/XX/XXXX, I still have not received my refund and have been given the run around for weeks. I also made my monthly payment ( {$450.00} ) in XXXX as well. 

As you can imagine, I have anxiously been awaiting my refund for the over payment and multiple individuals have been able to track down the over payment, but unable to assist me in getting my refund. 

For example, today, XX/XX/XXXX, I spoke with XXXX from " Ally Bank '' ( XXXX ) XXXX XXXX who shared there was a check issued to XXXX XXXX with the payment referral # XXXX. She transferred me to XXXX, also from Ally Bank. XXXX confirmed a check was issued to XXXX XXXX. XXXX also shared a reference number of XXXX. Together we contacted XXXX XXXX. 

XXXX at XXXX XXXX informed XXXX that she does not handle this account and refused to do anything, but suggested an investigation might be necessary, but she had no record of this transaction. XXXX recommended another department to contact. XXXX and I were then transferred to XXXX at XXXX  XXXX. XXXX could not help and we were then transferred to XXXX who stated we had the wrong department ad said she could not assist us. 

With no other options I contacted my bank XXXX and spoke with XXXX. XXXX was unable to assist me so I was transferred to XXXX. XXXX at XXXX instructed me to contact XXXX directly because the refund check should have been issued to XXXX, not XXXX  XXXX. 

I then called XXXX at XXXX and spoke with XXXX. There was no information available about this matter. 

I called Ally Bank back again and spoke with XXXX ( female ). She confirmed a check was sent to XXXX and I then asked to speak with a supervisor. She tried for several minutes to identify a supervisor unsuccessfully. 

Since mid XXXX I have been waiting for a refund of {$4500.00} and a check was issued, just not to me. It is crucial that this matter be resolved and the fraudulent process be rectified.

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 2018-11-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase Bank is already aware that this is a deceased account, they are still reporting me as an authorized user on a closed cardmember 's deceased account. I am not responsible for repayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 dispute letter to TransUnion damn near two months ago pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously? Im about ready to take legal action at this point.

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 2018-03-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have already filed two complaints against Wells Fargo and after the second complaint they actually did assign a single point of contact and initiated a review of my current financial circumstances. As pointed out in my previous complaint, things had changed, my financial situation has improved, I have my daughter and son in law living with me and they are working and contributing to all household bills. I have increased my sales and commissions each year from my XXXX XXXX job and Wells did not have any of this information on record. While this initially seemed like good news, my assigned point of contact at Wells Fargo named XXXX has disappeared on me. I have tried to reach her several times, as has the nonprofit that has been assisting me and there has been no response. XXXX had misplaced or lost my updated financial information on three different occasions over the last month and conveniently enough Wells Fargo scheduled a sale date for next month. Based on Wells Fargo 's track record with customers I believe this to be intentional and a prime example of dual tracking. Wells told me they would allow me the opportunity to be considered for all homeowner assistance programs and after I provided them with the information they requested they lose or misplace it on multiple occasions and at the same time set a sale date. This is concerning, and not the first time this bank has engaged in unethical behavior. They should be investigated by your organization.

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 2020-12-01
Company: ACIMA CREDIT, LLC
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: Personal information incorrect

Complaint:
I have lived at my current address for XXXX years. The account has an incorrect address. This account is reporting as a XXXX XXXX on my credit report with an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CORELOGIC 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:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a 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 2023-03-26
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-26
Company: Allied Collection Services, Inc. (Nevada)
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We sent a letter to the collection agency on XX/XX/XXXX disputing the debt and claiming our rights under 15 USC 1692c ( c ) and 15 USC 1692e ( 8 ). The collection agency received the letter on XX/XX/XXXX by certified mail-return receipt. 

On XX/XX/XXXX, the collection agency reported the debt to a credit bureau with no statement of the debt being disputed in violation of 15 USC 1692e ( 8 ).

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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I contacted XXXX, XXXX, and TransUnion on XX/XX/2023 requesting they provide me proof of my written permission or instructions for the identified transactions to be reported on my consumer report which includes : XXXX XXXXXXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX. This is a violation of FCRA 15 USC 1681b ( 2 ). Additionally, I also notified XXXX, XXXX and TransUnion on XX/XX/2023, of my request that the reporting of this information be blocked and deleted. Again their refusal to block this information is also a violation of my rights under FCRA15 USC 1681c-2. I also notified XXXX, XXXX, and TransUnion my request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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