BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
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:
Wells Fargo removed/froze all of my money in my bank account in XX/XX/2020. I am requesting that Wells Fargo find out from XXXX XXXX  XXXX ( the law firm Wells Fargo stated they gave the money to ) who XXXX XXXX  XXXX gave the money to or do they still have the money? This letter provides to XXXX XXXX  XXXX and Wells Fargo the authorization to release this information to CFPB and to myself in case this authorization is necessary.

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 2021-01-24
Company: EQUIFAX, INC.
State: GA
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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX - Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX : XXXX/XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor did I live at these addresses. I also did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a hard inquiry on my Experian report from US SM BUS ADMIN ODA. However, I did not authorize this inquiry and the account is not mine. This is false information currently reporting on my Experian credit report. This is deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable date must be removed. I'd appreciate it if you all can assist with resolving this issue as Experian has not been helpful.

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 2023-03-25
Company: WELLS FARGO & COMPANY
State: NC
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:
On XX/XX/2023 and imposter attempted to open credit card accounts using my name and Social Security number from two different banks. One was Wells Fargo card services in XXXX XXXX Iowa and the other was XXXXXXXX XXXX XXXX in XXXX North Dakota . I did speak to sale in fraud department at Wells Fargo and he saw the application but said it was denied. XXXX XXXX XXXX told me they did not see any application attempt on my credit, yet XXXX XXXX shows a hard pull. Neither of these attempts to get a credit card were done by me, so I am disputing both of them and request to have any points docked from my credit score reinstalled please.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to deletXXXX Inq : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX BANK 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 2019-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX My complaint is re : Capital One. I have 2 business credit card accounts and a history of excellent credit and also a history of using their 0 % balance transfer offers. I received several email offers, multiple, from Capital encouraging me ( on both accounts ) to use their then ( 2 months ago ) current offer of 0 % for 18 months at a 2 % transaction fee. 0 % has been a wonderful tool for my small business. 

I took advantage of their offer and put {$5500.00} on Capital One, account above. 

My first statement after borrowing, I owed the minimum of {$55.00} for that month. 
That was fine and logical. On my next ( XX/XX/2019 ) recent statement, i thought i missed the payment date because i owed much more than the minimum payment on the 0 % offer I had taken advantage of. I rarely miss payments, but I had been sick and thought I made a mistake somehow. 

I called yesterday ( Sunday ) and spoke with a regular phone person ( XXXX # XXXX ) and then with a supervisor ( XXXX # XXXX ). XXXX, the supervisor, said my transfer was processed as a regular transfer and that I owe interest every month to the tune of approximately 30 %. They said they would need to review the phone call with the original representative and it would take at least 7 - 10 business days ( while incurring further interest!!! ) to look into this and, that they don't call their customers - they could only contact me with their " decision '' by letter. 

I believe Capital One is entrapping people. i am waiting for their " decision '' but in the interest of safety I have used up almost all my available funds to immediately pay the Capital One Credit card of over {$5500.00}, plus the interest charge of {$140.00}. Because, if for some strange reason, they decided that I changed my complete history of doing business and borrowing them - with the stupidity of putting myself and my business in a 30 % interest position, they i would owe even more interest! Smart on their part, don't you think! 

This is outrageous. I am very careful about how i utilize my credit and therefore have excellent credit. 

If, for some reason, I did not properly understand on the original phone call borrowing this money - I know that it was not transparent and in verbiage that would entrap the public. I would not make a mistake like this easily. And I am sure other people, maybe people who have done this for the first time, could easily think they were wrong and they owed this money with interest. 

it is outrageous that it takes 10 days and only thru a letter, for them to resolve my issue - while still accruing interest! 

Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has taken more than {$500.00} in overdraft fees in the past week, causing my account to be more than XXXX $ in the red. Wells Fargo also keeps charging me interest on the credit card, while continuing to charge me overdraft fees. I don't understand how predatory a company can be while continuing to XXXX my account. I've contacted Wells Fargo multiple times and have found no resolution. They have taken money from my XXXX income, my grants from work for electric bills, etc, etc.

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 2023-08-23
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
on XX/XX/2023 XXXX removed an inquiry ( XXXX XXXX ) because they could not find any evidence that this inquiry belongs to me and because XXXX XXXX did not respond to my dispute in a timely matter. I sent a letter to Equifax that they received on XX/XX/2023 asking them to remove the inquiry because according to the FCRA since XXXX removed it they must remove it as well. Equifax claims that their investigation shows that the inquiry is factual. This is FALSE. Equifax has failed to do a proper investigation and is violation of my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: OR
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

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 2023-02-13
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Freedom Mortgage Company
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:
I have a loan with Freedom Mortgage ( loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.

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 2021-06-02
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: Information belongs to someone else

Complaint:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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:
I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and Experian have removed them but XXXX has not. I sent a request along documents that prove the inquires were a result of fraud. XXXX has not removed them and I have been told they are unable 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 non-monetary relief
Consumer complaint received 2022-10-03
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have several wrong names, misspelled or incorrect, as well as wrong addresses-I submitted a house bill and my drivers license as proof of the correct name and address. 
Within 2 weeks, Transunion sent me a letter saying that I needed to verify my Social Security number. I called the number on the letter to complain that I had submitted the necessary documents to have my acct updated. The agent said everything was correct on my report except one name that was reporting. I asked for a full report of my credit report and all of the addresses and names are still reporting on my report. Names reported as of XXXX on XX/XX/2022 are XXXX XXXX XXXX- this name belong to me XXXX XXXXnot me XXXX XXXXot me I am trying to clean my report and TransUnion is making it very difficult. Their unwillingness to cooperate is costing me many missed opportunities and suffered losses, including a better job. 
Also XXXX XXXX is reporting on XXXX and XXXX as paid, closed never late and in good standing. TransUnion is reporting this account as delinquent. I called the company to speak to XXXX in billing who explained that she did not enter this on my account and that she marked the account as it is reporting in XXXX and 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 2023-05-31
Company: Experian Information Solutions Inc.
State: MO
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 submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXXXX/XX/2021. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2017-12-17
Company: Experian Information Solutions Inc.
State: MT
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:
There are many mistakes appear in my report without my understanding.

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