BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning ; I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit XXXX experian XXXX and XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to experian XXXX and XXXX supervisor and they hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare that they will keep putten more things please need help

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} ; 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 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act XXXXXXXX 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 604A. It also states a consumer 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 2023-09-28
Company: U.S. BANCORP
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I requested a chargeback with US Bank on XX/XX/2022 regarding the fraudulent company XXXX XXXX XXXX XXXX XXXX for {$510.00} they deducted from my account. 
I tried reaching out to the original company XXXX XXXX but they refused to refund me or provide me a hotel room. 

There are no terms and conditions to click on with the XXXX XXXX that deducted the {$510.00}. They put a timer for you to enter the information and give a false amount. US Bank allowed them to give them screen grabs as their evidence that I knew the amount and agreed to their terms which were falsified. 

US Bank but never let me provide them screen shots which I do have of their bait and switch. There are no terms and conditions on that page.

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 2023-03-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  XXXX : {$690.00} Account : XXXX Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned item to be deleted off my credit report. 

SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: HireRight Solutions, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hireright told a possible employer there were discrepancies in my education information. Stating that i lied and i did not receive XXXX  but a diploma. In the application i completed under question " what degree recovery ''. It does not provide the answer DIPLOMA and it does not provide a space to type in DIPLOMA so i choose the best option. That is their error and they shared falls information with company who did not hire me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Chime account opened with my email, address, birthdate and social. I received a debit card in the mail and never requested opening an account or a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got scammed by someone on XXXX and WellsFargo refused to reimburse me for the money from when I filed a fraud claim. After calling several times and jumping through so many customer service hurdles and waisting my time, the notified me three days later that my claim was rejected the same day I opened it, which makes 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 2022-07-10
Company: EQUIFAX, INC.
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 Account # 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TCF NATIONAL BANK
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I took out a HELOC loan with TCF bank in XXXX of 2020 for {$100000.00}. The account number is : XXXX. I have subsequently decided to re-finance my primary and HELOC mortgages into a new re-finance with only one payment going to the new mortgage company. When a credit report was run by my broke, two accounts were showing as liens. The aforementioned account in the amount of {$87000.00} and a second account number XXXX XXXX XXXX in the amount of {$34000.00}. The total of these two accounts equals {$120000.00} which is NOT the amount I borrowed. I just called TCF and finally spoke to an associate ( XXXX ) who informed me that only one account was open, the original XXXX. When I inquired as to why there were two account, he abruptly replied, " Because we merged '' ( TCF merged with Chemical Bank after my loan was finalized ). I then inquired how to remove this second account from my credit report and he said to contact the credit bureau. I knew this was absurd as they have no control over what is put on the report. They only report what is there. I informed him that this is not the credit bureau 's responsibility and that TCF is responsible for this. I did not receive an answer from him. 
I immediately called my mortgage broker ( XXXX XXXX  ) and told her the situation. She indicated they would request a payoff to see if both accounts would be removed from my credit report. I am extremely concerned about the {$21000.00} overage due to TCF 's poor account measures and do not want this affecting my credit score which I'm sure it already has. Moreover, I need to re-finance this mortgage if for no other reason, to remove myself as a TCF customer. I have had several problems attempting to contact them and establishing myself on their website since the merger.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: CA
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:
Hi, Ive been disputing with this company XXXX XXXX XXXX XXXX for awhile about this fraud debt. The company verified the account was not mine and the charge was not mine. Also the XXXX  office said the charge was not made by me or anyone on my plan. However, they sold the debt and the responsibility to remove fraud was on the debt owner. This company continuously gives me the run around. When I started disputing months ago providing all documentation the debt was around XXXX $ now its a over XXXX . I asked to pay off to get it off my credit report and they tacked on more fees and have no online system to verify payment and get documentation of proof of payment. 

Originally company took over 60 days to respond which would be an automatic deletion from credit file. However, I wanted to gain as much information about the fraud to report to FTC. This account is fraud. Rep even looked up the account and gave me the name of the person and told me I needed to contact them and go to court to sue the person to pay them for the debt which is unethical. Please remove as this is fraud. This was a line of credit and not part of any plan I had XXXX office proved it wasnt anything covered by my plan and I did not sign for the treatment nor was the treatment done on anyone from my plan. XXXX office states it was 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to the Credit Reporting Agencies once again to remove he fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : 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 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 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 XXXXXX/XX/XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX XXXX Balance : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: AL
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:
THERE IS A BANKRUPTCY THAT IS SHOWING ON MY CREDIT REPORT WHICH IS NOT ACCURATE.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These are all hard inquiries that are on my credit report that I have no knowledge of or gave permission to check or pull my credit

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 2023-03-28
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX Account # 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 without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: LA
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:
Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Fine {$1000.00}

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: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid my pay off account balance of {$810.00}. After paying off what my statement indicated would be my pay off account balance I was charged {$10.00} of interest while my payment was being processed. I've had my credit card with BVVA Compass since XXXX and had never missed a payment. Due to COVID and living in XXXX county I was forced to move out of my parents home since I had to continue working and my parents have XXXX XXXX and could not be expose. On XXXX I was exposed to XXXX  by my roommate. I had to quarantine and could not go near my parents home. I did not have access to my mail until recently. I received 1 letter in XXXX that my balance was past due. I called BVVA Compass immediately and asked why I was being charged. They said it was interest accumulated while my balance was being paid off. I paid the unfair interest charged after my pay off balance and the late fees accrued, to avoid getting any more fees. To top it off BVVA Compass reported the so call late payment to the credit bureau and my credit score dropped by 79 points. I called BVVA Compass for help. I asked why I had been charged interest after their online account statement clearly stated my pay off balance was {$810.00}. I tried to explain how I had never missed a payment, I was willing to set up for auto-payments, and explained my situation due to XXXX. The customer service was insensitive and stated they could not help me. It is not right for BVVA Compass to have charge interest while my payment was processing for the full account pay off balance. And for a company of this size to be inconsiderate of the global pandemic and the circumstances some of us have to face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Genesis FS Card Services, Inc.
State: IL
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:
In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 had problems with all three credit bureaus. One of my credit accounts is not properly accounting my charges and the overcharges. They do not seem to have an accountant ( XXXX ) and their statements cant be verified or understood. Trans Union claims that XXXX has verified my credit account and I have asked them about the verification. It appears that they do not have any verification but they claim that they do. XXXX has gone on XXXX XXXX  and tried to charge on one of my credit cards and I have been contacted. My bank card will not take any digital charges and so last week I was informed that XXXX had charged {$25.00} on my bank card and it was declined. XXXX is less aggressive but these bureaus are not worthwhile and I do not want to use them. XXXX just tried to scam me on XXXX XXXX. I am going to get a professional to remove them from my sites. I do not see that any credit bureau is keeping proper records. I need federal assistance with these bureaus with improper 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