BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MO
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 being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this as soon as possible.

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 2021-11-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, The natural person and consumer initiated this consumer credit transaction in XXXX. At some point in XXXX i stopped using the card ; Shortly after that WELLS FARGO damaged my consumer report by reporting the account to collections claiming i had owed an alleged debt. I Sent the initial dispute requesting validation on XX/XX/XXXX as well as a cease and desist asking Wells Fargo to stop all illegal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. I also filed a CFPB report ( XXXX ) ; i then received correspondence back on XX/XX/XXXX stating that Wells Fargo provided information validating the account. However I never received the 5 things required for validation, nor did I receive anything proving they conducted a investigation. Ive since sent out another affidavit on XX/XX/XXXX stating facts about alleged debt.

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 2020-07-16
Company: Experian Information Solutions Inc.
State: UT
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- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in 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 explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: FL
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 contacted XXXX but there is only the option to get a copy of the report through an automated system at XXXX. There is not a live representative. I received a denial letter for a company I did not apply with. I have not been employed since XXXX when XXXX impacted employment therefore I have not applied for credit with anyone in the last year. In fact XXXX makes 2 years of me not attempting to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: CT
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 filed ftc report for inquiries i did not consent, recognize, nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in 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 explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX 
Account # : XXXX XXXX Account # : XXXX DPT EDXXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-08
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX - XXXX {$540.00} XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} The above accounts are on my credit report but do not belong to me.

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 2018-11-13
Company: AES/PHEAA
State: GA
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 has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: EOS Holdings, Inc.
State: CO
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:
Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing. 

Please help. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was called on XX/XX/XXXX by a fake police officer claiming to be from the XXXX police department. The phone number they called from matched with what I searched on XXXX. They told me my SSN was stolen and I was a victim of identity theft and that I was associated with multiple crimes in various states. I was told I had multiple bank accounts, vehicles, and properties linked back to me. They told me that they were in process of shutting down all of the bank accounts and that I had to transfer my money to a safe location for safekeeping, and it would be returned to me once I got a new SSN. They kept me on the phone and scared me into thinking I was being monitored and in danger, and if I didn't act fast I would lose everything or be arrested. I did the wire transfer exactly as they asked me to, and they even told me everything to say to the banker. I was told they would send four officers to my residence to conduct an " interview '' about this case to figure out why my SSN was leaked. I said I didn't want anyone to come to my house, and that I want to speak to a police officer in person at the police station/headquarter. I was met with resistance but then they said they would meet me the next day at the social security office building at XXXX, and they sent me a PDF appointment letter that looked like official social security letterhead. They told me to delete my entire phone record.

After this phone call I suspected a scam and went to the police department to report wire fraud. I submitted an IC3 complaint to the FBI. I went to my bank and had them recall the wire, but was told this was going to take 3-5 business days ( which is too long for this type of wire scam ). I spoke with an FBI agent who contacted the XXXX XXXX ( where the funds were transferred to ) police. I submitted a police report to the XXXX XXXX police. 
On XX/XX/XXXX I was told by the FBI agent that all of my money had made it to the XXXX XXXX bank and was already moved into many smaller accounts that could not be traced. This contradicts the information on my wire transfer receipt that shows that DATE FUNDS AVAILABLE TO RECIPIENT : XX/XX/XXXX. 
This makes no sense as my money is already gone, per XXXX XXXX XXXXFBI report. My money should not have made it all the way to their bank before XX/XX/XXXX according to my wife transfer receipt. I was being told on XX/XX/XXXX that it was already gone and unable to be retrieved. This should not have happened according to the information on my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am 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 30 days 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 to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2023-05-15
Company: Experian Information Solutions 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 a account without my written instructions

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 2021-11-08
Company: Experian Information Solutions Inc.
State: MO
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:
Inquiries listed are unauthorized inquiries that I have no knowledge of. I have called each company and the credit bureaus for help with this matter, to no avail. I believe these inquiries and misinformation is affecting my credit score and it is affecting my ability to obtain credit with other companies. I would like these inquiries removed from my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 letters

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 2020-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 No Bank have authority to hold any deposits or funds. Regulation E and EFTA ( electronic funds transfer act ) you can release my funds or you will have a lawsuit against you really soon. 

Chase bank froze my account because of a deposit was made to my account and plan on closing my account and returning my funds. 

Chase bank have no authority to hold any of my funds. Regulations E &  EFTA My loan is between me, my entity and the SBA They did not request any LLC or ask me about any business deposits prior to opening my account My name is my business I have no funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Bread Financial Holdings, Inc.
State: AL
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:
Comenity bank dental finance. Is refusing to put current on my credit report. After I made payments to get it current. They had always updated my credit report current when I would make my account current but they haven't updated anything in the past 3 months. This isn't fair to me when I'm making my payments on time and keeping them current. They're not doing their job in updating my current status and reporting the payments that I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had opened a checking account with PNC Bank. On XX/XX/XXXX, I tried to close the account. I chatted with a PNC service rep online to close the account. He sent a link that didn't work. I explained to the rep and finally could submit the closure form. So far the account hasn't been closed and the bank has charged fees. Hence, the account is in a negative status and when I tried to contact customer service, I was told, I have to make the account as XXXX or positive balance before it can be closed. I explained to the rep that on XX/XX/XXXX, the account had a XXXX balance when I first requested to close the account and filled the form. The rep said, he/ she can't help. Hence, I am reaching out to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have an item on my credit report that should not be there. It has affected my credit drastically and needs to be removed now please. I have already sent a dispute letter and it has been 31 days now and this item is still here. Please remove it now. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: MA
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:
On my Experian credit file it shows a XXXX account closed in 2006 which shouldn't be in my file due to age. 

Also, Experian shows my fico score at XXXX and last month it was at about 816. They said in my report that I didn't have enough credit cards so I applied and they dropped my score for that by 50-60 points!!! The other reporting agencies show scores of XXXX and 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 2020-07-28
Company: Experian Information Solutions Inc.
State: IN
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:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit 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 2020-07-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HRRG contacted me informing me that I had an outstanding debt for emergency room services from XXXX. I contacted the hospital they told me the charge was with and the hospital said I did not have an outstanding debt. I asked HRRG to contact my insurance company to see if they had not paid an invoice of some sort. HRRG informed me that the insurance company never responded. I asked HRRG to send me an invoice for the amount due. I received the invoice from HRRG which clearly states the balance was paid by the insurance company and that my personal amount due is {$0.00}. They have continued to call me from different numbers to harass me, asking for personal information, and not acknowledging that the debt has been paid.

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