BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$410.00} CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX {$4900.00}

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 2021-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : XXXX  XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX, XXXX. 
Original Creditor : XXXX  XXXX XXXXXXXX XXXX.account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. What you have listed is XXXX XXXX XXXX XXXX XXXX! I also never lived at XXXX Whispering XXXX XXXX, XXXX XXXX, FL XXXX XXXX I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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 have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : 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 2018-06-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother who has been diagnosed with XXXX XXXX designated me as her power of attorney for financial transactions. After Hurricane Harvey, she received {$11000.00} from FEMA for her flood damaged home. Having had access to her accounts for the last 10 years, on XX/XX/XXXX, I transferred the FEMA funds to my account and then to her bank account at a Credit Union to be saved towards the repairs on her home. I made 5 transfers over the course of 3 days to move the funds. On XX/XX/XXXX, my mother went to the credit union and withdrew the FEMA money in cash. 

On XX/XX/XXXX, someone unbeknown to me, took my mother to the bank and she told the banker that I beat her up and stole her FEMA money. This banker, called the police and Adult Protective Services on me. Wells Fargo then proceeded to put a freeze on my accounts and debited {$11000.00} from my Wells Fargo Account. I was not notified of this action or given an opportunity to present documentation that would support the fact that I had the authority to do so despite numerous attempts to inquire. Even the police department was aware of my mother 's numerous claims that someone was stealing her stuff despite no evidence to support the accusations. 

I was treated like a criminal who was guilty before proven innocent. Wells Fargo made me wait 10 business days before they told me that the claim was found in favor of the claimant and that I would have to open new accounts to regain access to my remaining funds. I proceeded to close my accounts because I do not want to do business with a bank who took my money unfairly, charged me overdraft fees and didn't allow me an opportunity to prove my innocence. 

Essentially they gave my mother twice the money she was due because their researchers only took the claims at face value without truly completing a proper investigation.

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 2020-08-01
Company: EQUIFAX, INC.
State: NM
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:
The account was in charge off status on my report from Equifax and XXXX I disputed the account and it was removed from XXXX but not Equifax. In XX/XX/2020 it began to show as an open account and as current which dropped my Equifax score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my XX/XX/XXXX! However if you look at the history of the account you will see it should not be reported as open and current!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Perfection Collection
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my third and final time requesting validity of this debt. Please note that I had previously filed complaint no.s XXXX and XXXX. 

Both times requested validity of the debt and have yet to receive the requested info meaning this company is in clear violation of the Fair Debt Collection Practices Act and this erroneous collection account needs to be removed from my credit report ASAP. I never received anything via mail or phone call from This company. I just keep getting a XXXX response that there were 42 months remaining in my contact which is not true at all, especially since I cancelled services less than a year into having XXXX as law enforcement showed up at the wrong address on several occasions when the alarm was triggered. 

What baffles me the most about this company is the fact they they either a ) dont know or b ) dont care that the consumer complaints and company responses are being monitored by fraud investigators and attorneys. VALIDATE THE DEBT OR REMOVE IT This company is in clear violation and needs to be investigated thoroughly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, INC.
State: MD
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 sent a certified letter to Equifax XX/XX/XXXX asking them to send verification of a negative account that is reporting on my report. XXXX XXXX XXXX : Original creditor- XXXX XXXX Amount {$350.00}. They just sent a letter back stating it was " verified that this belongs to you '' But NEVER sent how it was verified. This is direct violation of the FCRA. 
I also sent a certified letter to XXXX XX/XX/XXXX ( report # XXXX for XX/XX/XXXX ) asking them to send verification of a negative account that is reporting on my report. XXXX XXXX : Original creditor : XXXX XXXX XXXX. They only sent a reply that this account has been verified and that they will NOT reinvestigate. They NEVER sent information on how it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had an issue with my XXXX Pre-Paid Debit Card ( issued by U.S. Bank National Association ) yesterday evening ( XX/XX/21 ) while attempting to order food through XXXX  XXXX. I attempted to use the card several times before I found out that XXXX XXXX had been hacked. Due to the repeated attempts, my debit card was locked. I called the Customer Service several times ( XXXX ). I was told that because of the number of attempts to use the card, it would be locked for a maximum of 24 hours. Even after verifying that all of the attempts were made by me and that there was NO fraud taking place, they STILL refused to unlock my card, REFUSED to let me speak to ANYONE above the supervisor. I attempted to use the card today ( XX/XX/21 ) and the card was still locked. I called Customer Service again this morning at XXXX, and was told that the card would be unlocked in an hour. I went to use my card well AFTER that hour and my card was declined. I called Customer Service AGAIN and was told that because I attempted to use the card again, it reset the 24 hour lock and that there was NOBODY that could unlock my card, because it was done by an automated system. I was lied to by the female employee who told me that my card would be unlocked. I know full well that the card can be unlocked, yet they REFUSED to unlock the card, REFUSED to allow me to speak to anyone above the supervisor. This is completely UNACCEPTABLE. That is MY money on that card and I REPEATEDLY verified that NO fraud had taken place. After this 24 hour " lock '' is completed, I am removing all money from this card and will NEVER use it again. I am also taking to social media and telling everyone how this company treats its customers.

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 2021-08-14
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has no credit file or score for me despite my accounts that reports to them Self loans I have paid for 12 months and also have a credit card I pay this company assured they reported to all three and two has confirmed but Equifax has nothing which really hurt my chances of getting any financing for a car, home, credit card I have repeatedly asked them to find the problem and XXXX  denied and ignored and they wont give me access to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
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:
My 1st husband remarried and his second wife has the same first name as myself. All her other aliases such as maiden, previous married name, middle name, some of her employment history is under my personal information on Experian. I've contacted them by phone more than once and either im on hold until I absolutely have to hang up or I can't even get to a representative.

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 2018-06-11
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I've requested evidence which Paypal supposedly has showing items were delivered to me from a " XXXX '' on or around XX/XX/, this person took two payments in the amounts of XXXX and XXXX, did not deliver the items. To date, Paypal has not provided or shown any such evidence. They instead refer to prior Papal accounts which are not mine, it appears a relative had these accounts, this person no longer lives here. The person, " XXXX '' is a scammer whom uses XXXX messenger app to lure people in as explained to several Paypal reps who took my claim, they claim they have " compelling evidence '' items were delivered electronically, one rep mentioned a bogus tracking number. There is no such tracking number that would show any item delivered via text, email, or otherwise. As you can see, their evidence is in fact bogus as they have not provided it to me. I believe they need to show this evidence, if not, refund the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am receiving service from Experian called XXXX XXXX which I did not request. The service sends me emails about my credit every time a credit card is used or score rises for falls, etc. I never requested this service ( I get this information elsewhere, on my terms ) The email states that if I unsubscribe from XXXX XXXX I will no longer receive such emails or newsletters but yet - there is no option to unsubscribe, not in the email and there's no option on the website. There's also no email or IM option to contact the company to advise. Experian 's business hours are during my own business hours, thus I am unable to call them on their timetable. 

My complaint : if signing up for this service can be done online so should cancelling. 

I suspect, my attempt to freeze my credit led me to unwittingly sign up for this. I'm usually very careful about this sort of thing.

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 2019-01-02
Company: CITIBANK, N.A.
State: GA
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:
t was happened at XXXX. XXXX XXXX ( office ) on XX/XX/2018, the first time, I used the XXXX signature visa card to pay the amount of {$5500.00} and it was declined, then, the merchant asked me to use other credit card, I said, I may be change mind, I held the citi visa card, he took it then charged it. I got home and checked my acct, the amount was on there and was pending status. I called to the citi billing disputes dept on XXXX, I got a case confirmation # XXXX. Later, I faxed all documentation to the citi when they requested. I called back to the citi on XXXX, they told me, the case is still continue to processing now, and will remove that amount from my acct. Now, I received the new message from the citi on XXXX, the amount of {$5500.00} back to my acct. I am requesting to resolve this issue.

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 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2020, I went to the Bank of America ATM in XXXX XXXX XXXX XXXX and withdrew {$300.00} using my debit card. I received XXXX {$20.00} bills out of the machine with no problem. One month later I see a debit of {$1200.00} from my account, I call the bank to find out why this happened and they tell me that the ATM machine that I used was found to have some {$100.00} bills in the {$20.00} bill cartridge that day. So, they assumed that I received XXXX {$100.00} bills, which I did NOT. After being on the phone for 2 hours, I was told that the only way that I could see records showing where they had good reason to assume that I received those bills was to send a subpoena to the bank. This means I would have to file a civil complaint etc. which is absurd! How am I, the customer, responsible for going through these proceedings just for them to show me the findings of their investigation?

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 2020-10-11
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Avenue closed down all XXXX of its locations a few years ago. This company before it closed down I was disputing charges on credit card not about clothes but MAGAZINES. When I opened my account several years ago the store clerk offered me magazines for 3 months only as a promotion. The promotion has turned into a nightmare. Avenue is a clothing store and not a magazine store. Comenity Bank has taken over the credit card for this company that NOOOOOO longer exist. And keep raising up my balance for some magazines I never looked at. Comenity has my payment way over {$1000.00} and on what, some magazines? They have even reported I have missed my payment to the credit bureau for a company that NO longer exist in this world. Why are they charging me interested on a company no longer exist? Avenue Stores, LLC, filed for Chapter XXXX bankruptcy protection, according to court records. A chapter XXXX debtor usually proposes a plan of reorganization to keep its business alive and pay creditors over time. Now Comenity bank is working for this out of business store and charging me like they were still in existence. They reported to the credit bureau that I missed my payment and I feel that my balance isn't that high because I barely bought clothes from that store. It's the magazines charges that I have been disputing with Avenue.Chapter XXXX is intended to help businesses and individuals with significant debt. Avenue filed Chapter XXXX because they couldn't keep up with current debt payments can use Chapter XXXX bankruptcy to create an affordable payment plan. So they going to keep charging me interested after 2 years and ruin my credit rating. Comenity Bank is a fraud and should be exposed of their practices. I want to know if Avenue store is still in Business.  I'm also going to get in touch with the State Attorney general in New Jersey where they were located.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: SUNRISE CREDIT SERVICES, 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:
XXXX XXXX XXXX has turned in an account for collections from XXXX XXXX. The account was opened in XX/XX/2022 according to my credit report. The original account with XXXX XXXX was opened by someone who stole my identity. The amount of the debt is {$1600.00}. I have spoke to XXXX XXXX XXXX to let them know this is not my debt and was the result of identity theft. XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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