BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with XXXX XXXX. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that XXXX XXXX accepted those payments on XX/XX/2023. My payment never posted to my account and XXXX XXXX has taken my money. 
I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and XXXX XXXX has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.

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 2021-02-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently filed a claim regarding an authorized transactions on my account. The bank, Wells Fargo denied the whole claim based on the fact that I could not prove any fraud on the FIRST of the three transactions. All the transactions were fraud and they never investigated the second or third transactions just denied the whole claim based on the first one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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:
In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need it removed.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: MS
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 Debt Recording Act XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # 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 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-05-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I called NetSpend to update my account and they didi logged in my account they let me withdraw XXXX $ then they closed my account told me to send documents I did 7 times they still closed my account and won't give me my remaining balance

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 2023-05-22
Company: SYNCHRONY FINANCIAL
State: TX
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:
The account was closed due to non usage and Ive called to pay off account t since how can you report late a closed account that you all closed for no usage then state Im late on a closed account t when I was never notified that you all closed this PayPal refit account. All three credit bureaus star different dates and times of this so called late payment on a closed 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 2023-05-23
Company: Experian Information Solutions 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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-22
Company: Bread Financial Holdings, Inc.
State: MS
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 do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA.

15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Consumer Finance Bureau, I have attempted to deal with Wells Fargo for many years, almost 15 to be exact. During that time, I have continuously asked for them NOT to send physical bank statements and marketing correspondence. I have been to the branch many times and asked for this to be changed. I am concerned about my privacy in financial matters, as my family has several accounts. I do not believe that my complaints are taken seriously at Wells Fargo. I perceive that they have too much business, inadequate system design, and not enough customer service help. Regardless, my continued requests and concern for me banking privacy are not being addressed. The branch that I go to is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Kindest Regards, 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 2022-12-16
Company: EQUIFAX, INC.
State: TX
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:
This company is reporting a late payment on my credit report which is inaccurate It has been paid in full and needs to be updated on my credit report to XXXX and equifax. under the law 15 usc 1681 they should update my information as accurate and correct. ythis is keeping e from being aboe to run my business properly because of the late payment. please remove it from ny credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: SC
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 XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that XXXX XXXX has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company 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 2019-03-20
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX Her name is XXXX XXXX and she hacked my account and sent herself XXXX. She is a fraud and I would like my refund! She even said it was for XXXX tickets and used my military husbands card!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Continental Finance Company, LLC
State: CT
Product: Credit card or prepaid 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:
Continental Finance credited my account in the amount of XXXX on XXXX, this is for a disputed charge from XXXX, I was sent an empty watch box from this company. The bank has not credited interest and fees associated with charge, the account is now paid off with a zero balance. Since they agreed to resolve a prior complaint and credit my account, they should also credit all interest and fees associated with charge. Please advise them I need a check for this amount ASAP as the account is paid off and closed.

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 2020-07-20
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I have a loan with lendmark finance, this company does tile loans etc etc. Now when I took out the loan there was no hassles they even tried to come to my hse. Long story short my husband at the time was working in XXXX. Unfortunately we were a few pmnts behind. This ppl had their employees follow him and they repo my car while I was in the store it needed a flat bed to be towed which they didnt use and it caused the alignment and transfer case to get damaged and now the truck wont shift gears. We tried calling their offices and tried corporate we dnt know what else to do please help us also they refinance our acc w out our consent. And I know they did because at one point I worked for them and thats how they do it and they they say its ok we will get customer to sign later. So they find accounts that can be refinanced they refi and then later tell customers to come in and sign and say oh we can help you, you dnt have to make the next 2 pmnts all you have to do is come in and sign this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: ME
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:
Consumer Reporting Agencies have assumed a vital role in society today and are responsible for reporting consumer information to the best of their ability with the maximum degree of accuracy. 
With that said, on XX/XX/2023, I received notification of inaccuracies contained within my Equifax credit report. Specifically, the account ending XXXX from the State of Maine - Department of Health and Human Services - Support Enforcement Division shows late payments were made with inaccuracies in the dates the payments were made when no late payments were ever made to the account. Please investigate these inaccuracies and provide proof of your findings. If evidence can not be provided, I demand that the reporting agency, Equifax, be made to report the account as paid in full as agreed or remove it from my report. 
Thanks for your time and attention to this matter. It is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-20
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last XXXX i went through a hardship and i brought my account positive and i did not used my accounts any more after. As of XX/XX/2023 i have hundreds of dollars overdrawn. I have a member with Navy federal for 12 years and did not have a problem with paying and utilizing my account in a positive way. I lost XXXX family members last year and went through alot of XXXX because of this loss and also losing employment. I have reached out to the company and was not even considered for the longevity and loyalty that i put into business with Navy Federal. This is also a loss for me. Please assist with getting my accounts reactivated. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money transferred of XXXX $ from a Bank of America account to another Bank of America account via XXXX transfer using a phone number. The money never made it to the recipient. Called Bank of America and they say someone else has the money but I have to get court subpoena to get the recipient information and then take the person to court myself. I put in the correct phone number which is that of my son. Transferred money the same way before. Dont know how this is my fault to lose money like that. They say there is nothing they can do.

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