BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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:
On XX/XX/XXXX I disputed an account and inquiry made fraudulently on my Experian account. This is the third time I have disputed this item with Experian. 
I spoke with Somebody from Experian and they stated that they did not receive documents that I sent multiple times. 

Fraudulent Account, Name, Addresses & Inquiries include FRAUDULENT ACCOUNT XX/XX/XXXX - XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - FRAUDULENT NAME XXXX XXXX On XX/XX/XXXX I disputed an inquiry, incorrect names, and address made fraudulently on my XXXX account. 
This is the third time I have disputed these items. 

Fraudulent Inquiry, Names & Addresses include XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Incorrect Name : 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 2022-04-11
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my account last year as per the rules of the promotion ( attached ) to receive a payout of {XXXX} after direct deposit with promotional code. After receiving my direct deposit on XX/XX/2021, the bank has not honored the promotion unfortunately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: MA
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 requested that XXXX and Experian preform and independent investigation with XXXX XXXX XXXX account XXXX. This account is being inconsistent reported by the credit bureaus with different Date Of First Delinquency and re-aged. XXXX is reporting for XXXX XXXX/XXXX, Experian is reporting XX/XX/XXXX. XXXX is reporting for XXXX XX/XX/XXXX Experian is reporting XX/XX/XXXX. XXXX is reporting for XXXX XX/XX/XXXX, Experian is reporting XX/XX/XXXX. These are different years, months and dates of first Delinquency and inconsistent reporting by both credit bureaus. This account has been illegally re-aged which is a violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation showing the inconsistent reporting by the credit bureaus and re-aging of this account which is a violation of the FCRA. 


I am keeping a record of all communications with this dispute with the credit bureaus in case I need to litigate this inconsistent reporting by the credit bureaus.

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 2022-04-11
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:
EXPERIAN HAS BROKEN THE LAW! 

Experian is in violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 Violation - 15 U.S.C 1681b ( a ) 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX XXXX have not given Experian written instructions to furnish my 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 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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 2022-08-15
Company: EAST WEST BANK
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account with East West Bank was closed in XXXX. I have XXXX $ remaining balance they said they will mail a check to me. However I have never received it. They claimed they already mailed it but can not provide any proof of shipment. I asked them to mail the check again. They refused to do it. The account was closed in XXXX. Now its XXXX already. I still havent received the XXXX $ from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian monitors my credit report for a monthly fee. I received a notice today from my XXXX XXXX  line of credit reducing my line of credit by XXXX due to XXXX/XXXX XXXX XXXX  reporting a mortgage loan on my credit file with Experian. I have provided Experian with numerous two separate police reports and letters disputing this account as Fraud. The account is updated and then shows up again when Experian has removed it due to fraud. Now whenever I try to dispute the item I am told to call in. When I call their fraud specialist and leave my number as told I am never called back. Whenever I try to dispute the item online I am denied saying that I have disputed the item before and Experian does not have to allow me to dispute it again. How is it I can not dispute a fraudulent item? I have called and called and called and each time I think I am to someone that can help me I am disconnected or not allowed to speak to anyone but I can leave a message? WHY AM I NOT ALLOWED TO DISPUTE A FRAUDULENT ITEM WHEN I HAVE PROVIDED TWO SEPARATE POLICE REPORTS TO EXPERIAN.

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 2017-12-18
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid off last year and I was told it would be removed from all three credit report upon payment, but it still shows up on all my reports. The account was updated to show paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

1

5 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 - in accordance with the Fair Credit Reporting act XXXX XXXX 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 - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 - in accordance with the Fair Credit Reporting act XXXX 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 - in accordance with the Fair Credit Reporting act XXXX 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 - in accordance with the Fair Credit Reporting act XXXX 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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX  's last payment as XXXX. 
Transunion has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX XXXX last payment as XXXX Transunion has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. XXXX  HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.

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 2020-07-23
Company: COMMERCE BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Commerce Bank ( XXXX XXXXXXXX ) credit card XXXX XXXX XXXX XXXX Card lowered my credit limit from {$2000.00} t0 XXXX $ overnight, after they received hectic payments lowering my credit balance. 

It appears that they deliberately lowered my score, when I was trying to pay up the balance lowering my credit balance. 

I spoke with their CSR for which she replied that they will be sending a letter soon. 

I think this is an outrageous maneuvre by some credit card companies either for their protection, but will affect a honest credit payers intention to improve his credit go to the ocean.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 a Credit Limit Increase was requested on my Best Buy by CitiBank Credit card. This request was denied for the following reason ( s ) : " Unsatisfactory existing account payment history '' By definition this is stating that I have poor payment history. Which is inaccurate, unethical and is a violation of the agreed terms and conditions of this account. I, XXXX XXXX XXXX XXXX, Have never previously utilized this account, no payment 's have ever been due, account has maintained a XXXX  balance since opening 6+ months ago. Below is attached the denial letter, and a copy of my credit report showing that the payment history on this account is reporting as " Satisfactory ''.

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 2022-09-05
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Changed lock on safety deposit box, employee stole everything {$30000.00} + XXXX XXXX Tx. 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 2020-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX USAA RESPONSE CFPB XXXX USAA CONFIRMS FALSE CREDIT REPORTING INFORMATION DESTROYING MY CREDIT CLAIMING I REPORTED FRAUDULENT FRAUD. USAA Confirmed I Reported XX/XX/XXXX Transactions of XX/XX/XXXX - XX/XX/XXXX {$470.00} FRAUD ( see XX/XX/XXXX FRAUD CLAIM OF XX/XX/XXXX ) PLUS ADDITIONAL FRAUDS I DID NOT REPORT. USAA Confirmed I REPORTED {$470.00} + plus XX/XX/XXXX-XX/XX/XXXX {$180.00} Plus + XX/XX/XXXX - XX/XX/XXXX + {$59.00} UNTRUE. see attatched XX/XX/XXXX STATEMENT ( ALL CHARGES FROM XXXX XXXX TO XX/XX/XXXX ARE INCLUDED IN WHAT I REPORTED {$470.00} FRAUD. ) USAA FABROCATED FRAUD REPORTS NOT MADE BY ME. THIS IS ILLEGAL ISN'T IT???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX - made a purchase of {XXXX} ( XXXX XXXX XXXX ) XX/XX/XXXX - made request to cancel service with Merchant. They agreed to refund the amount and sent a cancel confirmation. 
XX/XX/XXXX - refund not posted to my account. Contacted Merchant who provided copy of correspondence from their payment vendor XXXX that refund was being processed and to work with my bank to locate the funds. 
XX/XX/XXXX - initiated a dispute claim with XXXX XXXX Way2Go card company. 
XX/XX/XXXX - received correspondence in mail from XXXX XXXX way2Go card company dated XX/XX/XXXX stating that the Merchant provided documentation that indicates the transaction was correct and they denied my dispute. 
XX/XX/XXXX - contacted Merchant and they state that they did not dispute that the money should be credited back to me and that they provided no documentation to XXXX XXXX Way2Go card services. Merchant also stated that the {XXXX} had already been taken from her account by Way2Go XXXX XXXX. 
XX/XX/XXXX - contacted XXXX XXXX again to escalate my dispute and to request the documents that the Merchant provided ( as per their correspondence ). Spoke with 5 reps who all ask for Social Security number and who were of no help, laughing at my questions and hung up on me and stated that my escalated dispute was being denied. 
XX/XX/XXXX - received correspondence from XXXX XXXX way2Go card dated XX/XX/XXXX stating that the dispute was denied and the documentation included were documents that I faxed to them to sustain my claim. There were no documents from the Merchant included that they state were used to deny my dispute. 

Below are the transactions on my account for the {XXXX}. There were 3 transactions on my account on XX/XX/XXXX - XX/XX/XXXX, XXXX. 

XX/XX/XXXX - Purchase {XXXX} XX/XX/XXXX - Reversal Credit {XXXX} XX/XX/XXXX - Reversal Debit XXXX XX/XX/XXXX - Provisional Credit {XXXX} XX/XX/XXXX - Provisional Debit {XXXX} If my dispute was denied by XXXX XXXX Way2Go and taken from my account and the money was already taken back from the merchant and they do not have the money, who has my money and where is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: NY
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:
XXXX , EQUIFAX have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -   XXXX     XXXX   -   XXXX   XXXX   XXXX  , were all removed from my reports th en re adde d again, these are not my inquirys these applications were done without my permission.   I have asked  XXXX  several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep sending me collection notices for a XXXX account that ins't mine. I have been part of a family pan for yeas and sent in the paperwork to the previous collections agency and was told was closed but is now back on my credit report.

Company response to consumer: Closed with explanation