BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : 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

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 2023-08-23
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Systems is representing another third party company by the name of XXXX XXXX for a debt totaling {$1500.00} and National Credit Systems is also representing XXXX XXXX XXXX for a debt totaling {$3900.00}. I have wrote National Credit Systems as well as all three credit bureaus and advised them that this debt does not belong to me. This was fraudulently opened and I provided a police report as well as the Identity Theft report. 

XXXXXXXX XXXX  is representing XXXX XXXX XXXX for a debt totaling {$1200.00}. This is not my debt. I never purchased insurance through XXXX nor any of it's affiliates. 

XXXX XXXX XXXX is representing XXXX for a debt totaling {$850.00}. This is not my debt. This account was fraudulently opened in my name. 

XXXX XXXX XXXX is representing XXXX XXXX for a debt totaling {$6700.00}. I have reached out to this company several times. I never signed an in person lease. I was residing in another state when this apartment was fraudulently leased under my name, I filed a police report. I reached out to the company and the person that allowed a fraudulent lease take place refuse to accept responsibility. I never met with anyone in there office or any other location to sign a lease. 

XXXX XXXX is representing XXXX XXXX for a debt totaling {$140.00}. This debt was paid off back in 2017. 

All these collection accounts need to be removed from my credit report with no attempt to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Experian Information Solutions 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:
On XX/XX/XXXX I received a response to one of the many disputes I submitted to Experian. On the response Experian stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, PACER, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to Experian and XXXX XXXX several times since XXXX. Experian is reporting the bankruptcy date as XX/XX/XXXX and an account for XXXX XXXX XXXX  that says it was included in the bankruptcy but with a date of XX/XX/XXXX. This is proof that information is not being verified or validated by Experian. This is one of the accounts that I disputed and received a response back that the information had been updated. Experian states on the credit report, the bankruptcy information is being supplied by XXXX XXXX. I have included attachments of the credit report pages with this information.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was charged several times for not having enough money to cover a charge I transferred it from my savings and I was still charged the fee.

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 2021-04-19
Company: First National Collection Bureau, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a text message from a company called First National Collection Bureau INC, with a number of XXXX. When I XXXX, and researched the number, it doesn't match to this agency. The area code shows South Carolina, while the collection agency shows it's out of XXXX XXXX. I haven't done any business in either location, nor any company from either location.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX Academic year, I was XXXX XXXX XXXX XXXX with proof of transcripts from XXXX XXXX college and XXXX XXXX college. wherefore the the 90/120 Days delinquency should be remove as matter of law under Federal Truth In credit billing act with foreberance in place as a protection and suspension of payments. 

The statute of limitations for reporting XXXX and XXXX 90/120 days late has also expired. Must all be delete 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 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX did not take my payment as they claimed they would. When I called them XXXX immediately ) they told me they had a computer " glitch ''. By the time they eventually took the payment they had reported me to the credit bureaus as late. They refunded me the late charges etc, further proving that the error was theirs but in spite of my calling them they have not corrected my credit report. 
Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record

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 2023-08-23
Company: REGIONS FINANCIAL CORPORATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
Deposited a cashier 's check through mobile deposit ( nearest branch is 300 miles away so I couldn't go in person ) that was equivalent to my substantial CC balance at the time with the intention of paying it off. Regions placed a hold on the check for almost 2 weeks, with no explanation other than " because we can ''. Resulting in about a XXXX dollars in extra interest on the card ( horrible rates ) Customer service was entirely unhelpful on multiple occasions and seemed trained to just shut customers down.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, to 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 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 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 2022-06-16
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX XXXX $ Transfer to XXXX XXXX XX/XX/XXXX XXXX $ Transfer to XXXXXXXX XXXX  XX/XX/XXXX XXXX $ XXXX XXXX XX/XX/XXXX XXXX $ Transfer to Chime savings XX/XX/XXXX XXXX $ Transfer to XXXX XXXX 

I have reached out to chime multiple times to dispute these transactions that were made on to the account without my consent and they keep denying the disputes that need to be made. Someone opened up a credit builder card in my name without any authorization, started withdrawing funds from my XXXX XXXX XXXX account, transferred funds from there to the XXXX XXXX card. I made a police report about these fraudulent charges that were made on to the account, they are still denying my request to make the disputes. Chime is now saying that my account is negative because of the fraudulent activity that happened with the account. They have not been helpful at all whatsoever with what happened to me, are not taking my side like any bank should. I hope this situation is resolved soon so I dont have to keep worrying about the money they owe me, negative balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My car lease was with Volkswagen. The lease loan was with Volkswagen credit. My car lease ended in XX/XX/XXXX and all payment due have been paid with my account in Volkswagen Credit fully closed on XX/XX/XXXX. After one year, they still send me bill saying I own them property tax for the full year of XX/XX/XXXX. I called them 3 months ago, explaining that this must be wrong. The agent realized they made a mistake and I might only owe the piece between XX/XX/XXXX to XX/XX/XXXX, which was the period I still had the car. They promised me to correct it and will contact me once it's clear. Now 3 months later they still keep sending me the same bill and now, with a notice from their collection department!!! I'm very worried they will abuse my credit report. If I did not pay attention to such bill I might have paid the excessive charge they recklessly put on me. I feel very angry as an individual consumer I need to worry about and deal with such excessive charge, and even after I made my effort trying to correct them, which they accepted and promised would correct, they still keep doing that! I need someone to investigate their statement system and correct the bug which might already have hurt many customers if they simply accept and pay it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: SG and Associates
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company called everyone I know and left them voicemails about my case. They called 4 of my family members, before they called me to tell me about the debt being collected. 

In addition, they claim that they mailed me information about the debt but I have not received anything. 

They are operating in bad faith.

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 2020-11-02
Company: EQUIFAX, INC.
State: PA
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 seeking assistance in resolving a matter with the credit bureau Equifax. I have exhausted all means of trying to have a former address removed from my credit report since XX/XX/20 as a result of identity theft that occurred with XXXX XXXX with no resolution. This account was open with my SSN #, name, and an address I never resided ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Please see steps taken below. *Please note Equifax has removed/deleted the fraudulent charges reported from XXXX XXXX. 
Filed disputes with all 3 credit bureaus. XXXX  and XXXX have resolved/removed the fraudulent charges and address associated with the charges ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
Filed 11 claims with Equifax from XX/XX/20 thru XX/XX/20 ( Documentation attached ) Filed a police report with my local police department/XXXX XXXX, which provided a summary letter to send to the 3 credit bureaus and XXXX XXXX. ( Letter attached ) Contacted the collections agency XXXX XXXX XXXX XXXX XXXX, because the XXXX XXXX account was turned over to this agency to collect the fraudulent debt incurred due to identity theft. After speaking to the agency, the account was then turned back over to XXXX XXXX. 
Contacted XXXX XXXX which reported the account information along with the address associated with the account XXXX XXXX XXXX XXXX, XXXX, MO XXXX to the 3 credit bureaus. An investigate was conducted by the Fraud/Investigation Department ( Incident # XXXX ). The results concluded that the charges were fraudulent charges, which was a result of identity theft, and the account was open with my SSN #, name, and the address which I never resided at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
Created an account with identytheft.gov to help resolve my issue with identity theft, which was a result of fraudulent charges that occurred with XXXX XXXX. Followed plan and sent letters to the 3 credit bureaus and XXXX XXXX. ( See letter attached to Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt and marks against my credit history. I do NOT live in a state that has a Wells Fargo. I have never had a Wells Fargo account. I would like this debt off written off of my credit history and compensation for marks against my credit when I've NEVER had an account through Wells fargo

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 2022-06-16
Company: EQUIFAX, 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:
XXXX. XXXX. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts on my credit profile is being reported and my credit was stolen and used I need these accounts deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: MI
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 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 with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 with 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 2019-11-24
Company: LTD Financial Services, L.P.
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:
Is unknown debit, I do not have any knowledge about this item in my credit. 
I am fraud victims on my bank accounts. My account is hacked since 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Amazon.com is forcing us to use their credit cards. Says i applied for a credit card they are endorsing online. I did not. Next thing I know I am getting bills in the mail from amazon.com endorsed synchrony bank. Amazon accused me of applying. I did not. We only want our own credit card to be used on the amazon website. 

Amazon will not retro charge. Dealing with synchro bank legitimizes their fraud and Amazon supports them and feels no fiduciary responsibility to listen to me when I tell them that I am fraudulently being forced to work with a bank that I never applied for a credit card for. 

Furthermore, they do not give us information on their transaction letter of how to cancel the card. When I informed synchrony that we did not apply for their credit card, they disregarded my red flag and only cared about paying a {$68.00} charge ( which should have gone to my credit card ) and gave us no recourse to report and cancel the fraud. They won't even help us report and cancel the fraud. Their billing statement offer no recourse to report the fraudulent account. 
I expect more from Amazon then this. I believe Amazon is forcing customers to use their endorsed credit cards while making it extremely difficult to leave entrapment.

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 2022-06-16
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 Report Act, XXXX XXXX XXXX XXXX account numbers xxxxxx XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, Attorney General account numbers XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX account number XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX account number xxxxxx XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX has violated my rights In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account number # XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX account number xxxxxxx XXXX has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Report ActXXXX XXXX XXXX  account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 Section A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 non-monetary relief