BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These XXXX accounts were opened without my authorization. Someone used my information to make purchases without my knowledge. I tried to contact the creditor to fix the problem and sent them documentation of the fraudulent accounts. They refuse to delete these from XXXX and this is causing me great amounts of stress. 

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 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To Whom It May Concern : I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. 


XXXX XXXX XX/XX/XXXX, XXXX XXXX PA XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, I do not recognize these inquiries and did not authorize them.

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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2023-06-22
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was overdrawn and sent the account {$700.00} on XX/XX/XXXX from XXXX XXXX. U.S Bank is saying they didn't get the funds until XX/XX/XXXX at XXXX. They hit me with 3 seperate XXXX dollar fees. They say they can not do anything about the fees.

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 2023-01-30
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 XXXX and I am submitting this CFPB Complaint to request to you to remove the fraudulent accounts I found you have been reporting on my Credit Report. I believe I am a victim of Identity theft and these accounts were the results of such crimes. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here are the accounts that I need you to remove from my Credit Report ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00}. I have read that according to the Fair Credit Reporting Act section 605b, you are required by law to have any accounts and information removed from my Credit Report as soon as possible. Please comply with the Fair Credit reporting Act aand have the disputed accounts removed from my Credit Report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DSNB MACYS this account has charge-off status and yet there is a past due balance on your report. I have requested debt validation and Macys have failed to comply on several occasions. 

All Listed accounts on my attached dispute have failed to provide debt validations since XX/XX/2020.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1USC 1681. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company identifies themselves as Radius Global Solutions. The same agent continues to call me twice daily, always around XXXX XXXX and again around XXXX XXXX, now for the past 2-3 months and counting. I continue to block them, but they always use a different number each time they call. The number always begins with ( XXXX ) XXXX. I have a list of these numbers, if needed, in my blocked callers list on my phone. I have asked them to stop calling, but they continue like clockwork. This is a violation of FDCPA guidelines and is pure harassment. I need this stopped.

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 2020-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. This account is a closed/charge off status : All ( 3 ) bureaus are reporting different closed dates. XXXX XXXX XX/XX/XXXX RE-AGED to XX/XX/XXXX, XXXX  NO INFO, XXXX  XX/XX/XXXX. All ( 3 ) bureaus reporting ( 3 ) different dates of last payments XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX and XXXX  XX/XX/XXXX. They are currently reporting activity and late payments well after the closed dates. The last being of XX/XX/XXXX, along with PAST DUE balances. The bureaus are reporting a false representation of the amount of debt on my credit file. Inaccurate statements of the balance due with different amounts reporting. All ( 3 ) bureaus have different account numbers reporting. XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2023, my wife called XXXX XXXX XXXX XXXX and made our XXXX Payment of {$3300.00} ( Acct # XXXX ) and received confirmation of the payment via Authorization # XXXX from the XXXX  payment system. While monitoring our Bank account to ensure the funds were debited via ACH, we noticed the funds remained in our account for a period longer than normal. On XX/XX/2023, my wife inquired with our bank to see why and learned that the ACH debit was not allowed due to an error with the input of the bank account number that was entered by voice on the call. My wife called XXXX to see what kept the ACH from happening and was told she gave the wrong Account number when arranging the transaction. She then processed the payment again on XX/XX/XXXX. Our complaint is that if XXXX uses an automated system to take payments, they should give us credit for making our attempt to pay on XX/XX/XXXX because we received a confirmation accepting the payment with the authorization number. The funds were available but we believe there may have been a glitch in their automated system that created the error. Nevertheless, we have never had a XXXX late for our mortgage, ever, and both of our credit reports took sizeable hits not reflecting our effort to make the payment on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
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 the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Mountain Land Collections, 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: Public record information inaccurate

Complaint:
There are things showing up on my credit numerous of times. Also wrong information inquirys I didnt do mail In forms I didnt do either.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My company XXXX XXXX XXXX has business checking account XXXX with US Bank. I had incoming transfer on XX/XX/2023 in amount of {$15000.00}. This amount appear on my account only on XX/XX/2023 and then I received email from US Bank that " Your deposit of {$15000.00} is complete. '' ( attached ). 

Next day when I log in in my account this amount was disappeared. I called 2 times on phone numbers XXXX, XXXX and spoke with US Bank representatives but they didn't help with this at all. Last representative told me " I didn't see that transfer ''. 

I ask bank to return my money.

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 2018-08-30
Company: LDF Holdings, LLC
State: HI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A third party XXXX XXXX XXXX XXXX  called on behalf of debt allegedly owed to XXXX XXXX which is a pay day loan. They were very rude and threatening. I did reach out to XXXX XXXX but am not able to get any reliable information. I am hoping to receive accurate information from XXXX XXXX concerning any debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please read attached file it Has the complaint details along with clear and convincing evidence this collection should never exist knowing the facts stated in details in the attached file. 

Threatening and suggesting negative consequences on my credit report sustain. This company didnt do what it said it will. Playing those tactics of vague replying not answering the real question this complaint asks all the violators of rights to answer. Why this collection if its works on behalf on XXXX or why not XXXX used the auto payment which is valid to get paid for what it alleges that I owe? If anything legitimate or if its charges are legitimate, what prevents XXXX from debiting my credit account that it did regularly and I never stopped XXXX? Showing off all those paper? I have documents I could use to sue thus collection and XXXX both and I reserve right to do so any time without prior notice and without waiving my rights .so checking my credit today using my XXXX basic credit monitoring service and I saw this Sprints collection from source Receivables Management ( SRM ) ( correction on the exact name of the current collection is Source Receivable management ) still on my credit file or report .another important thing. I never claimed fraud to anyone in regard to this matter. XXXX created that by itself and it will assume responsibility for saying something I didnt state .you need to comply to law after u showed you all the proofs that XXXX is not serious about getting paid and they broke their policy of auto payment and I have copy of that policy. They need to have a life and let me on peace before they receive a legal summon from a U.S Marshall and then it would be late to settle because you will all pay big legal price. Please dont say something I didnt say in my complaint. Your interim response before is rejected at its entirely and stop threatening and harassing me. those desperate tactics from all the violators to cause me more harms than theyve done already, It is noted and it will be used in a court of law if necessary. 
All stated herein is to my current state of knowledge belief and understanding and it is subject to anything or any correction by me only at any time without prior notice and without waiving my rights. Please refer to the attached file for more factual information with proofs attached within the file. Does XXXX or SRM have any court order to abuse my rights?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Choice Recovery , Inc reported unpaid collection of {$110.00} on XX/XX/2019. Original vendor is XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX. I have no idea what this is from? I have never received an invoice, statement or phonecall relating to this charge I called XXXX XXXX on Saturday XX/XX/19 ... I was told my account was XXXX and they didnt know what the problem was. I said I was coming in to speak with office manager and they told me not to come in? 
Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2020-11-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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