BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( 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. 16815-2 ( 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 the information is inaccurate. 


XXXX XXXX XXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX  is reporting inaccurate payments on a closed account. This account negatively showing when its closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " CAPITAL ONE, XXXX XXXX CONSUMER DISPUTE CENTER, XXXX, XXXX ". This charge may lead to a lawsuit. 

XXXX XXXXXXXX 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 2022-08-29
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX  XXXX Balance : {$740.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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 {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -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 2020-09-20
Company: Experian Information Solutions Inc.
State: AL
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:
I have a XXXX account that is showing two missed payments, for XX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.

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 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a judgement against me that I am currently challenging. However Capital One allowed a levy to be put on my child savings account which has me as the primary account holder but also has her as a secondary account holder. This is all money that she has earned and therefore should not be exempt from my judgement. Capital one will not discuss it or look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Original creditor : XXXX XXXX XXXX XXXX sold the debt to NCB Management Service and they calling with threatening messages and the original creditor seized the vehicle. The amount they say I owe is {$12000.00} and thats incorrect. They seized the vehicle and staying I owe more then its worth and ruined my credit. I have written letters several times and contact the credit bureau to provide proof of the original contract and they provided me with nothing. Im trying to buy a home for me and my kids and grand kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
This company attempted to collect a debt while I was under bankruptcy protection. They called and harassed me 8 times in two days. Also prior to the harassment, they had already charged the account off and put {$0.00} balance owed that was reported to the credit bureaus. I also sent this to the company. Then whole time I had made the payments to bring the vehicle current. Sent a company to repo the vehicle after the account was made current. To recap, attempted to collect a debt during bankruptcy protection. Charged off the account and reported {$0.00} balance to credit bureaus. The whole time I was paying payments, Attempted repossession after the account was brought current.

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 2019-08-01
Company: Experian Information Solutions Inc.
State: IL
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 THIS FRAUD I HAVENT CHECK MY CREDIT IN A COUPLE YEARS I TRIED TO BY A HOME AN I WAS DINED. MY LICENSE WAS SUSPENDED BECAUSE SOMEONE HAD A CAR IN MY NAME AND OPEN UP CREDIT CARDS IN MY NAME. I CHECK MY CREDIT AND I SEE ALL THESE CREDIT CARD ACCOUNT ON MY CREDIT THIS FRAUD I DID NOT OPEN THESE 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 2023-06-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 three ( 3 ) blank checks with no signature was allowed too go through my account. I rarely write check but I did write a {$3.00} check to a medical merchant on XX/XX/2023. Instead three individual checks for {$100.00} dollars were sent through 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 2020-06-03
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 mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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:
XXXX am not liable for this debt with XXXX XXXX, XXXX XXXX XXXX and XXXX and they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: TX
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi CFPB Team, My Name is XXXX XXXX, This is the second complaint in this portal, the first one is XXXX5, Im filing this complaint again as the Bank ( Wells Fargo ) people did not help me get my funds back into my account. There are many unauthorized transactions in my account that I did not authorize. This conversation with bank people has been going on for many months. Yet they did not resolve the issue. After realizing there are many unauthorized transactions, I contacted the bank to help me with this issue. I filed a claim with Claim no XXXX. 

First, this case is given to XXXX ( Investigation Officer ), and I don't know what he investigated just denied the case, saying, I knew about these transactions. After rejecting it they sent a letter to me, saying I'm responsible to contact the merchants who deducted money from my account. 

So, I tried communicating with merchants XXXX, XXXX, XXXX and XXXX. I had an email conversation with the merchant, that I dont have any accounts with them and asked to verify by providing my ID and address proofs to the merchants. After verifying in their system, they are ready to help me but not directly they mentioned contact through officials and bank people. 

I conveyed the same to the Wells Fargo Bank, but the bank people did not contact the merchants, they clearly are not investigating this case properly. I lost all my savings, but Bank people are not helping to get my money back. 

After so many conversations with Wells Fargo Bank, this case was again given to XXXX XXXX XXXX XXXX, another investigator. I explained everything to him, but he also refused my claim saying that I knew about these transactions. Im fighting for my money, which I lost. They really dont care about the customers. 

I tried reaching customer care several times and asked if I can talk to XXXX, after so many conversations finally XXXX called me, and after listening to my concern, he files a CCN complaint with reference ID XXXX on XXXX of XXXX XXXX  This CCN complaint will take another 120 days to get resolved. Im just waiting here, to get my money back. 

I dont want bank people to invest so much in this, just contact the merchants, and inquire about my information in their systems by showing the email conversation I gave to the Bank and these merchants are ready to help, they will give my money back. But Bank people clearly said they will not contact the merchants. 
CFPB team, please help me to get my money 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 2023-06-01
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
ACH transactions, mortgage & bills, were duplicated causing an overdraft and subsequent lock-out of access to funds. Unable to get through to bank for assistance or explanation as recordings and postings simply state " working on the problem ''. I am concerned that this issue will be swept away. Wanted to make sure regulatory agencies were aware. 

I realized this may be an error, but I would expect an expedient resolution and or measures that would prevent this from ever happening in the first place. A similar occurrence happened to me in the past with another back. 

Given the current financial climate, one would expect a high level of concern for depositors. I will investigate alternative banking solutions as BOK has severely downgraded my opinion of their competence. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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 {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -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 2023-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I am custodian on 2 CDs that grandma purchased in the XXXX for XXXX grandkids. 

The CDs were purchased at CoreStates PA bank. They were setup for automatic renewal and no action was required on our part. They were placed in a safe deposit box at a bank to be redeemed when the kids reached maturity and the funds were needed. We have not moved our residence since that time and have received any notification from the bank regarding these CDs. 

We would like you to help us to redeem these CDs since the issuing entity, CoreStates PA, is unreachable. The initial CD amounts are {$5000.00}, and {$1000.00}. 

We have the original CDs and will send copies on request. 

Thank you, XXXX XXXX Custodian

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 2019-10-16
Company: NAVY FEDERAL CREDIT UNION
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:
I reviewed my XXXX credit report and I totally shocked that XXXX   reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX   XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX | XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX has violated my rights and I will be consulting with a consumer attorney sue XXXX for its negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the 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 explanation