BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: MN
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:
The public record of XXXX  XXXX Bankruptcy Reference Number : XXXX from the United States XXXX XXXX XXXX XXXX Minnesota Bankruptcy XXXX in XXXX, Minnesota listed on my XXXX XXXX, XXXX and Equifax credit report, is not my public record. XXXX XXXX, XXXX and Equifax states they got the public record information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sent me documentation informing me that I dont have a bankruptcy record contained in my XXXX XXXX XXXX file and that they did not verify a bankruptcy record with XXXX XXXX XXXX XXXX or Equifax XXXX The public record information is not my public record or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: MO
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:
SOME FRAUDULENT ACCOUNTS WERE ON MY CREDIT REPORT BUT INQUIRES NEVER GOT REMOVED. XXXX BANK XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX US SM BUS ADMIN ODA

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 2022-09-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
WELLS FARGO BANK NA XXXX XXXX XXXX po box XXXX XXXX, MD XXXX XXXX listed as the lien holder on my title ( See attachment ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Wells Fargo in Texas indicated they have no record of my vehicle ( See WF response attached ) It seems that the complaint department in Texas should contact the Wells Fargo Bank in XXXX, MD to see if they have a record of my car. If in fact they have no interest in my car then they should be willing to provide a release of XXXXen & send it to the Illinois Secretary of State ( See Form attached for their use.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting 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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 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 2023-10-19
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Equifax because they continue to report incorrect information about 2 old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using Equifax 's online dispute form, and was contacted about a week later saying Equifax resolved the dispute. However, when I logged-in to see the resolution, all Equifax did was leave me a note saying that the XXXX information was correct. When I originally submitted the dispute with Equifax, I informed them that I had already attempted to resolve this issue with XXXX  but XXXX still had not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with Equifax was almost 1 year ago - and since that time, XXXX has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to XXXX and Equifax but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why XXXX refuses to correct my information and why Equifax refuses to update the XXXX information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Paypal refuses to help or acknowledge me for an issue I have regarding an unfair limitation I was given. They will not respond to me and have completely ignored me. About 2 weeks ago my house was burglarized while I was staying with a family member and everything I owned was stolen including my personal information and electronics ( i.e. SSN, Birth Certificate, Taxes, Phones, etc. ) I came home in the early morning of XX/XX/XXXX when I discovered that my house was robbed. I quickly began canceling cards, closing bank accounts and anything related to online cashing, and changing all my personal information. I finally had gotten around to contacting paypal later that same morning. I had no phone at this point in time because it was also part of the stolen items so the only way I was able to get in contact with them was through an old laptop the burglars letf in my garage. The first thing I asked was if they could close my account immediately to stop any fraudulent activity on it if that hadn't already happened. The first response I got directed me to reset my password which I promptly did. After I realized he wouldn't be helping me any further I decided to close the account myself. When I tried to though it said I needed to contact support again, which I reluctantly did. I was asked to show pictures of what the problem was, so I asked to use my coworkers phone and sent pictures of what it said to the support agent. He then responded in a lengthy copy and paste message about breaking tos. After that I was completely ghosted and no one eould respond to me. When I called I was met with the same copy and paste paragraph. All I wanted was to close my account because it had been compromised and I didn't want any personal information left in the account. After doing some research I found that many people had gone through this same exact issue with PayPal unfairly limiting their accounts with no stated reasoning other than breaking tos which led me here. They have still refused contact with me even though I am owed some kind of knowledge of what happened. This is completely fraudulent and this is not the first time things like this has happened. Apparently many others had their accounts revoked to and their money taken out their own account for paypal to keep. In this case I'm not even asking for much from them just a support system which doesn't copy and paste their responses and gor them to close the account which criminals have access to which means they have my bank info cards and ssn still. This is the Reference ID : XXXX My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was recently notified on XX/XX/2023, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to Mercantile Adjustment Bureau, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. 

Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to XXXX XXXX XXXX. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by Mercantile Adjustment Bureau appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with XXXX XXXX XXXX. 

I will be contacting XXXX XXXX XXXX once again to ensure this matter with Mercantile Adjustment Bureau is resolved in as soon possible. 

Please let me know if you require additional information. Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The public record of XXXX XXXX  Bankruptcy Reference Number : XXXX from the United States XXXX XXXX XXXX XXXX Minnesota Bankruptcy XXXX in XXXX, Minnesota listed on my Trans Union, XXXX and XXXX credit report, is not my public record. Trans Union, XXXX and XXXX states they got the public record information from XXXX XXXX Risk Solutions. XXXX XXXX Risk Solutions sent me documentation informing me that I dont have a bankruptcy record contained in my XXXX XXXX XXXX file and that they did not verify a bankruptcy record with Trans Union XXXX XXXX or XXXX XXXX The public record information is not my public record or 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 2023-12-07
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXXXXXX XXXX XXXX  of XXXX XXXX to do a service at my home and no contract was made or paperwork. I paid for service and later decided I did not want to use them anymore. XXXX stated that it was ok and he would cancel. Not once did I hear of the few that was added. Never once reached out to me to let me know, no email, text, mailed letter, call, or voicemail was received. I did one service with them on XXXX of XXXX and now on XX/XX/XXXX am now getting a notice from a debt collector of these charges. How can someone do this and get away with it. Not once was I told of this charges. I paid for my service and now my credit is in jeopardy for their incompetency in communication and transparency with customers. I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not recall authorizing all these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently XXXX inaccurate transactional entries on each credit report with XXXX, Equifax, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.

Company response to consumer: In progress
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states that I have a right to privacy. My privacy continues to be violated.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never provided written instructions nor given permission.

15 USC 1666B states 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
Consumer complaint received 2022-11-29
Company: AMERICAN EXPRESS COMPANY
State: VA
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 Contacted XXXX to have 2 credit cards which do not belong to me removed from my report. Both cards were opened 5+ years before I was even born. They removed 1 ( XXXX ) card, that was already closed, but declined to remove the ( AMEX ) card, that is still active. 

I also contacted American Express customer service and they were unable to connect me to someone that could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, has violated my rights. 
XXXX XXXX ACCOUNT- XXXX XXXX XXXX XXXX XXXX ACCOUNT-XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX 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

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 2022-04-24
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account number XXXX. My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX. IL XXXX.This company sent this account twiceto my credit report. Its a duplicate accountI have already told them I did not open these accounts. The statue of limitations already ran out and they reported the same account so it can stay in my credit report. I know this is illegal to do. I have request numerous of times to delete this account from all my credit reports. I am requesting for this company to delete this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts do no belong to me, please block and remove per 15 USC 1681c-2

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 2022-06-26
Company: WELLS FARGO & COMPANY
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:
I have been a victim of serious identity theft! My credit report is extremely inaccurate and I have high credit card charges on Credit cards. I also had money stolen from my Wells Fargo back account which I have not yet received back. The worst part is my credit score dropped significantly and the credit bureaus make it impossible to remove fraudulent activities off of my credit report.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I disputed 3 different hard inquiries with Transunion last month, and Transunion 's solution to the problem was to place a fraud alert on my credit report as oppose to just removing the inquiries. This fraud alert makes it harder for creditors to access my credit report for which has been working against my quest to purchase a home.

Company response to consumer: In progress
Consumer complaint received 2023-10-11
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had an IRA account with Truist then Sun Trust for the past XXXX years. I opened the account through an employer, and at that time, it was with Sun Trust. I used to receive my statements until XXXX. About a month ago, I contacted them to transfer my money out of Truist, and they advised me to create an online account to have access to my funds. I created the online account on XX/XX/XXXX, and clicked on 'Documents ' to get my statement. However, I received an error message saying, " Service Unavailable. The service you are attempting to access is currently unavailable. Please try again later. If the problem persists, please call XXXX ( XXXX ). '' I called Truist customer service, and they told me to contact the local branch as my account was with them. When I called the local branch, they informed me that the system should be up soon. However, even after XXXX months, I am still getting the same error message online. 

I called Truist again, and this time, they told me that they don't know which local branch my account belongs to and gave me the number of the headquarters branch. Unfortunately, there was no option to speak to a real person. So I called customer service again, and they informed me that they do not provide IRA statements online, and I would have to wait to receive them by mail. They also told me that they would need to learn which local branch my account belongs to. Once again, they gave me the number of the headquarters branch, but there was no option to speak to a real person. 

I am seeking assistance in getting a statement to transfer my money from Truist to another institution.

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 2022-06-07
Company: EQUIFAX, INC.
State: VA
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 XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Amsher Collection Services, Inc.
State: LA
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:
A certified letter was sent to Amsher Collection Services on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX pm ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Amsher Collection Services has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX account # 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

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 2022-06-26
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX US Dept of Education, Fed Loan # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 US Dept of

Company response to consumer: Closed with explanation