BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to freeze my credit report reporting to third parties. I attempted to do so at the Experian.com website. Their website offer a fee based credit report freeze ( bundled with other services ) without advising the consumer that this service is required by Federal law to be free, and the website has no disclaimer that is readily observable to the consumer. After additional on-line research I did find a buried Experian on-line form that a consumer can complete and get a free, as required by Federal law, credit report freeze. However, I attempted to complete the on-line form several times and was always rejected as my selected PIN was not proper - I followed all on-line PIN instruction, i.e. 5 - 8 digits.

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 2021-09-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$2600.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo claims that I owe them XXXX from the two deposits that were added to my account due to thier negligence. They somehow allowed to individuals to deposit thier Economic impact payments of XXXX to my account. They also allowed one if the individuals to also make XXXX  dollars in withdrawls from the account. 

Then claimed that I am a liability to the Wells Fargo Banks because I had made these two deposits. That is very much untrue because these deposit were both made in XXXX and during that time I was in XXXX XXXX Nevada and the way they became aware of the errors they allowed to happen only because I spotted a transaction for XXXX at XXXX that I know I did not make. 

Truthfully the largest liability in this situation in this situation to Wells Fargo is thier procedures which allowed two other people to accidentally deposit money into the wrong account. Then allowing these individuals to make payment from my account. That should have never occurred. Also a huge liability is the fact that this bank without researching further and this is clear due to Wells Fargo claiming I owe the XXXX. XXXX of which was definitely not touched and was then spent by the owner for them to say I still owe XXXX is absolutely absurd. The liability is Wells Fargo themselves and they are a huge liability to all those who trust them with thier 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 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have one late payment reported o credit report it is from Capital One Credit Card in XX/XX/XXXX. I sent in a check ( # XXXX ) from my XXXX  business account on XX/XX/XXXX in the amount of {$1000.00} it was never cashed until XX/XX/XXXX. I am unsure what happened if maybe it got misplaced in capital one mail-room or something but if the check would have been applied to my account on time I would have avoided the late payment and the interest charges for that many months on the {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE TRIED TO FIX THIS ISSUE. THESE COMPANIES WILL NOT REMOVE THESE ITEMS OFF MY CREDIT REPORT. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT. I'VE SENT LETTERS REQUESTING THE ORIGINAL CONTRACT WITH MY WET SIGNATURE. I HAVE NOT RECEIVED ANYTHING. I WANT THESE ITEMS REMOVED OFF 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 2018-05-05
Company: CITIBANK, N.A.
State: AZ
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:
Good afternoon, I have been trying to pay off this debt for years with CITI/CBNA.. however the number provided is XXXX XXXX with no information on me.. i have called citbank multiple times and other companies and noone has my information XXXX have disputed this accounted multiple times to get a phone number or better information to comtact these people with no situation solved and this continues to affect my credit and this is not fair.

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 2017-09-18
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XXXX/XXXX/XXXX I received in the mail a notice that I owed on a debt ( pass due account ) that I have never been involved in or been the primary beneficiary of loan. 
I have never received any correspondence and /or notification in reference to this debt ever! 
Approximately 4 to 5 years ago my oldest son XXXX XXXX got a loan for a PU from a dealership and I was requested by dealership to be a reference to his loan. I specifically told them that I would not co-sign a loan as I was going through a divorce and was working on my own financial needs ... The paperwork was filled out at the dealership by the car salesmen ( not at the bank and not before a bank loan officer ) and I was told to sign just for a reference. 
Several months later my son lost his job and was unable to make his loan payment ... He made some type of arrangement with the dealership/bank to turn the PU back in to settle the loan ... ( That 's what he told me what happened and until today I have not heard/ received any correspondence/notification of any type from the bank/dealership or anyone else involved with this transaction. 
Now I 'm told by Credit Management of XXXX XXXX when I called them today. That I 'm the primary person on the loan and that I initially owed them {$4200.00} and with additional interest of {$4300.00} and need to pay immediately a total of {$8600.00} Or they will have judgment against me. 
Credit Management said they did n't know anything about any notifications from bank ( original creditor ) as the just bought this past due account in XXXX. 
I did n't even know there was a problem with XXXX XXXX XXXX and XXXX until I received the notification today. 
I feel XXXX XXXXl and Credit Management are after me due to I have a stable financial situation and I have more assets then my son. Where my son is still in the process of working on his credit score and financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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:
I was checking my credit report and I saw that my credit score is low. Why you put this information on my account. I dont know anything about it! Im sure someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Ability Recovery Services, LLC
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE DISPUTED THIS ACCOUNT AND YOU HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES YOU TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT YOUR CLAIM, ORIGANAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.

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 2019-03-05
Company: EQUIFAX, INC.
State: SC
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 disputed a collection on my reports from XXXX XXXX in the amount of XXXX. The company XXXX XXXX/XXXX XXXX XXXX sent back several documents that prove they can not provide me with actual ownership of the debt. 

I contacted XXXX XXXX and informed them that they breached their contract by sending this debt to a collection agency when I have rights to arbitration. The arbitration clause has been violated. I was informed to ask XXXX XXXX to provide a bill of sale or ownership sale of this account from XXXX XXXX to XXXX XXXX. I have not received that. What I received was a Promissory note from XXXX XXXX, where the arbitration clause is apparent and clear. Also I was provided an account Summary report created by XXXX XXXX XXXX. XXXX XXXX XXXX has NO legal right or authority to collect on this debt due to the arbitration clause of this contract. XXXX XXXX is in a direct violation of the FDCRA. This collection is still reporting on my credit reports. 
Also I have become aware of numerous class action lawsuits for this very same thing. 
I want this collection removed from my reports immediately. Please see the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: KY
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I noticed that my debt card was charged a total of {$460.00} .by fed ex .I opened a fraud claim with bank of america. They shut off my card and sent me a new one that I received 10 days later. So after I received my new card I was hit with fraudulent purchases again at fed ex again for a total of {$1100.00}. the bank told me that both times the card was physically used on site in XXXX Tennessee.. I have never been to XXXX Tennessee and the card has never left my possession. Its obvious to me that the fraud is an internal problem with the bank. Since I have never made a purchase ever at fed ex. Bank of america as of XX/XX/XXXX has denied the claims. I have not received the letter stating why the claim was denied yet

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 monetary relief
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NJ
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:
On two separate occasions, XX/XX/XXXX and XX/XX/XXXX the company XXXX XXXX ran my credit in order to process financing options for the purchase of a car. 

In each instance, they guaranteed that this process would show up as one hard inquiry per " processing '' ( once on XX/XX/XXXX and once on XX/XX/XXXX ). Now, XXXX and Experian both show 3-5 hard inquiries per time, negatively impacting the " Hard Inquiries '' section of my report and thus my score.

I have reported this to Autolenders and they stood by that it " should '' only show one hard inquiry per, and send verbiage directly from Experian 's FAQs section assuring the same. Despite that, I show as having 10+ hard inquiries on my report due to this. 

XXXX shows 5 hard inquiries on XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Finance ) 5 hard inquiries on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) WXXXX  ( Finance ) Experian shows 5 hard inquiries on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 hard inquiries on 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 2021-05-29
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
After reviewing my credit report per transunion, XXXX and XXXX. A degoratory mark was placed on my credit reports on XXXX XXXX 2016. After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this 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 2023-01-09
Company: DISCOVER BANK
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 am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theftXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report.To this day, 60 days later, I have not recieved a response as of today. I am feeling like I am being ignored about my disputes.In Section 611 ( a ) it plainly states if they dont investigate these items within 30 days it gives reason to immediately remove these items from my credit report.It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation for the stress you caused me..My information was also impacted by the equifax Data Breach and may have fallen in the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CITIBANK, N.A.
State: NV
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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