BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: PA
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 following companies have violated my consumer protection rights : XXXXXXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # 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 an account without my written instructions.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation.

Thank you.

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 2021-04-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I AM TIRED OF WRITING XXXX, XXXX EXPERIAN ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT

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 2022-03-07
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Upon reviewing my credit report, it shows a credit card from Citibank ( cbna ). I own no such card, nor made purchases on card. 

Report indicates a beginning date of XX/XX/2020, and purchase made, then not paid for and my name now has this negative credit history- unresolved. 
It is very ironic this card appeared in my name at the very same month I had to forcibly evict a mother and daughter from our residence. The mother and daughter had both both previously stolen my information and made fraudulent charges. 
The womans name is XXXX XXXX XXXX XXXX the daughter is XXXX XXXX XXXX both from SC.

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 2022-03-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My {$500.00} American Express Business Gift Card was used to make the following purchases with XXXX : XX/XX/20 {$10.00} - XXXX XXXX XX/XX/20 {$20.00} XXXX XXXX XX/XX/20 {$35.00} - XXXX XXXX XX/XX/20 {$420.00} XXXX XXXX These purchases were fraudulently made by others, my gift card has never left my possession and instead of having the full value of the {$500.00}, there is only {$10.00} remaining on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Barclay has reported a negative erroneous account to my consumer credit report which is result in Identity Theft. I have no knowledge of this account. I've disputed this account countless time & their validating the debt as accurate. The account is now in collection & own by a different company recently after I disputed the account for verification. I called that company on XX/XX/2019 where it was sold too & was told that Barclay took the account back moments after. However they have yet to prove verification. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA they're required to promptly DELETE off all credit bureaus ( XXXX, XXXX  & XXXX  ). This action has hinder me negatively, not only myself but, my family as well.

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 2022-03-07
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: Account information incorrect

Complaint:
Under the Consumer Financial Protection Bureaus website there is an article on loans and the differences between a retail installment sales contract and a loan. The article addresses some confusions that the credit reporting agencies have on the difference between the two the article states " A retail installment sales contract agreement is slightly DIFFERENT from a loan '' See EXHIBIT A. A LOAN is a transaction between a consumer and a bank or other lender for MONEY, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest I never received any money from anyone. A RETAIL INSTALLMENT SALE CONTRACT, on the other hand, is a transaction between consumer ( me ) and the dealer to purchase a vehicle where I agree to pay the dealer over time, paying both the value of the vehicle plus interest. I have provided proof showing my transaction was not a loan but retail installment sale contract see EXHIBIT B, you can clearly see the amounts and monthly payments match from exhibit B to exhibits C and D. Exhibit C provides the inaccurate credit reporting being done by Transunion where they have mislabeled the type of transaction that occurred to an AUTO LOAN. You can see the same inaccuracy being done by XXXX where they have labeled the transaction that occurred to an AUTO LOAN as well. Both XXXX and Transunion are reporting inaccurate which is a violation pursuant to federal law and must delete the accounts from my reports 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 non-monetary relief
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: SC
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:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies Please remove inquiries done by these companies XXXX, XXXX, XXXX XXXX - this company did an authorized inquiries several times on different dates! XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, DEPT OF ED, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
State: SC
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:
We ( my sister, a US XXXX  veteran ) experienced a " computer takeover '' event, and funds were illegally wired from her savings account to another Wells Fargo account of a XXXX XXXX XXXX. 
We filed a complaint at a local Wells Fargo branch in XXXX, SC. 

We were notified by a Wells Fargo fraud investigator that the funds have been located in the account of XXXX XXXX XXXX at Wells Fargo, and the account has been frozen. 

The personal bankers at the local XXXX SC branch and I have been unable to get the money ( {$15000.00} ) returned to our account. 

A XXXX XXXX from Wells Fargo ( Executive Office Case Specialist ) at ( XXXX ) XXXX Ext. XXXX contacted me XX/XX/2022. She acknowledge the issue has been escalated from the local branch. However, XXXX XXXX has since failed to respond to all request for updates from myself, the local branch, and message sent to her from calls to the Wells Fargo complaint line.

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 2017-09-08
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:
Due to Equifax lax security, my PII has been leaked, alojg with all of my credit/financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
my credit score was dropped by 100 pts due to a fraudulent/identity theft XXXX account. I disputed the claim and never recieved any notice and never heard back from the agency. A new debt collector assumed control of the fraudulent debt and never sent me any notification about reporting the claim to the credit bureaus. The debt company is NRA debt collectors.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2019-08-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a small business XXXX  XXXX  XXXX  and XXXX XXXX  XXXX., since XX/XX/XXXX.. I filed for bankruptcy and discharged last XX/XX/XXXX. I tried to revive my small business but the economy continue to get worse in the XXXX XXXX. I owed almost {$10000.00}. to 3 different credit card companies. Last XX/XX/XXXX, I tried to negotiate in a letter to lower the interest rates and modify my accounts. They all rejected my request. My golf business is now " DEAD '', no income. My only income now is from my social security, just enough to pay my mortgage. For the last 5 months now, I have not paid my credit cards. I have now letters from " lawyers/collections agency '' threatening to sue me. I really DO NOT HAVE ANY MEANS /money TO PAY THEM ... I still have a lot of inventories in XXXX XXXX and XXXX  related products like, shoes, belts and boots.. I am doing a regular " garage sale on week ends '' I need your help and advise on what to do. Please point me to the right direction of what to do.. Respectfully yours, XXXX XXXX XXXX XXXX. Tel. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, CXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are reporting on my personal credit file with ( XXXXExperian/XXXX ) credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me

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 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Buyers are organizations that purchase credit card debt for a negligible amount of cents on the debts face value ( e.g. 1 to 6 cents/ dollar ). Some DBs execute intimidating and coercive legal campaigns in pursuit of debtors who are mostly decent people but due to personal crisis, bad luck, lack of education, improvidence, etc. are in the throes of a financial XXXX  hole. These unsophisticated debtors clearly are unable to afford legal counsel, forced into an indefensible pro XXXX position, and aggressively pursued by rapacious, predatory collection law offices with their unconscionable legal maneuvers to acquire exorbitant profits. 

Specifically in my matter : Initially, I had a conversation concerning my debt situation with the collection agent to advise of my poor financial situation ( no income, no assets ) precipitated by a $ XXXX embezzlement and discuss options ; the response was a cold Well, well just have to see what the judge says. 

Upon receipt of their pre-trial summons, being in that financial XXXX hole, I bothered a dear friend, XXXX, a retired attorney, for his pro bono assistance. He contacted the plaintiffs legal team on my behalf ( with PoA per plaintiff attorneys demand ) and initiated settlement talks. Ref. email thread dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Copy PoA doc During on-going negotiations, I asked XXXX if I still needed to appear at the pre-trial to avoid any default for failure to appear. He responded, NO, they are postponing the pre-trial as we were involved in settlement communications. Ref. email thread XX/XX/XXXX, XX/XX/XXXX Time went by without any plaintiff response, or, in fact, any communication whatsoever. Then, upon receipt of, out of the blue, a copy of notice of appearance as attorney on behalf of plaintiff, dated XX/XX/XXXX, I did some research and discovered that plaintiffs attorneys surreptitiously did not postpone the XX/XX/XXXX pre-trial and, in fact, filed for and received a Default Judgment ( XX/XX/XXXX ) for failure to appear at the supposedly postponed pre-trial. NOTE : To this day, we have not received any notification or communication regarding the plan to file, the filing or date for the Default Judgment hearing. Ref. XXXX of XXXX of Appearance, email thread XX/XX/XXXX Under the superficial appearance of legality, this collection law firm used a sneaky, manipulative, coercive legal strategy that breeches principle and ethics for the sake of disproportionate, Falstaffian profit. At XXXX YoA with no assets nor income other than SS benefits, I am forced to live under the weight of an ill-gotten Court order with no hopes of correcting. This is abuse. This debt collection tactic is unfair, unreasonable and needs to be exposed and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Reporting company used your report improperly

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Bank 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 account can not furnish a account without my written instruction

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 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
My wife and I are one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
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: Account status incorrect

Complaint:
there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date opened XX/2009 please find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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:
equifax is supplied here again with the information to block reporting of dept of ed XXXX acct XXXXx.equifax is a scofflaw regarding the fcra.the dept of ed receives XXXX requests for credit correction, according to an outgoing executive.the dept of ed is overwhelmed and can not handle their workload, equifax damages me tens of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting a inaccurate last payment for a charged off account for XXXX  it is showing last payment was XXXX XXXX and for TransUnion it is showing last payment date XXXX XXXX Please verify and delete all inaccurate accounts

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 2017-08-28
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: Account status incorrect

Complaint:
there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date opened XX/2009 please find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation

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 2017-04-06
Company: AGORA NOTUS, LLC
State: GA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
every month there an interest charge and is different so it seem like my payments dont go down it goes up and the paper work they gave do not add up with my payments iam making the amount they have that i would have made in year that they gave me to pay off the loan do not add up

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 2022-09-01
Company: EQUIFAX, INC.
State: AL
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:
XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX credit can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.

Company response to consumer: Closed with explanation