BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, 2020 ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info

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 2022-06-25
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:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to the FCRA 15USC 1681 I have not give anyone my written instructions to put negative items and debt on 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 non-monetary relief
Consumer complaint received 2022-06-25
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or about XXXX XX/XX/2022, I find an offer from Citi regarding savings account - i.e. earn $ XXXX {$300.00} for a new savings account. I followed and tried to open that account but Citi didn't opened my account and it seems rejected it. 

If I am not eligible why Citi is showing that promotion in my profile? It's a shear waste of time and efforts.

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 2022-07-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Venmo is freezing money that was intended for me and is in my account. My account has been frozen twice. First time I talked to an agent and, while on the phone, uploaded an ID as he requested. He confirmed receiving it and confirmed the ID. The account was unlocked until I received funds. Then they locked it again. Same reason given. My ID is fine, was confirmed fine and they have a copy. They need to not hold up money intended for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX ( or XXXX ), I was informed via 2 separate texts that i added myself and XXXX as XXXX receipients. I thought it was weird but the last person that sent me money via XXXX was a friend named XXXX. I added her personally via phone number through my Wells Fargo app. I didnt think anything of it. Then I receive back to back phone calls and a text on XX/XX/XXXX around XXXX concerning possible XXXX  fraud of XXXX. The text sent was very misleading and looked identical to past WF texts. I eventually did answer the phone. The number was also almost identical to wf as it was just 1 digit off! I didnt have to give any personal info, so again believing it was Legit I thought matters had been handled. I was told I would receive a new card and that my funds would be released in 24-48 hours. They also sent a verification text from a common wf 5 digit code that I have received messages from before that are still in my phone to this day! The WF rep was shocked when I told her they had used that particular number and informed that was NEWS to them! The next day XX/XX/XXXX I received what was said to be a follow up call from a similar from the day before. Again just one digit off from actual WF. This one was even trickier! Again another verification code was sent! Within minutes of ending that call I received an email that ANOTHER XXXX was Zelled to new recepient XXXX! I called wf immediately and thats when I knew I had been tricked into answering these identity verification codes so quickly. They werent actually identity verification codes as I was told over the phone and had received so many times in the past! After of almost 90 minutes on the phone with WF. I was told there was nothing they could do and I was stuck until after their 10 day investigation was completed. I am a micro biz and this fiasco is going to literally take me under! I never added those recipients. Any recipients I have added were done via the wf app with a phone number!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of fraud and have a fraudulent account on my credit reports with XXXX, XXXX  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C. 1681s-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. 


After reviewing my report I must inform you that I am NOT responsible for none of the Bank accounts listed on my report as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete all of the bank accounts negatively impacting my credit report immediately! Ive sent out numerous letter to both XXXX XXXX and the ChexSystems asking for proof showing that these accounts are mine and neither companies has responded to my request i demand that they both delete all inaccuracies off of my reports immediately or I will be forced to hire an attorney and seek legal fees for the stress this has caused me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: MO
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:
Submitted a dispute for an inaccurate late payment that is reflecting on an installment account for the month of XX/XX/2022. The investigation resulted in a verified reporting. Thus, is incorrect as I submitted proof of payment as well as communication from the furnisher that the payment was made on time and in full and should be reported as such and not over 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: CA
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, XXXX XXXX Account # 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

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28
Company: EQUIFAX, INC.
State: HI
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 sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: AZ
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:
Hello, I have been trying to delete a fraudulent account in which I believe was opened by an ex spouse or family member in my name off my Equifax credit report for years now. The account was opened in 2019 with a balance due of {$3200.00}, which is not an account I ever opened. 
I have submitted my proof and information through identitytheft.gov, filed a police report, and disputed this account with both XXXX and XXXX, both which confirmed as true and removed completely from my account. Equifax continues to update my dispute as verified yet has never sent me proof of verification, the steps they took, and especially their compliance with the law and my rights under 15 USC 1681. 
The local police department reviewed security video footage as well as a handwriting analysis to compare signatures and confirmed this was an act of identity theft, Equifax still refused to remove the account which has had an enormous negative impact on my credit report effecting my life greatly. I am appalled at their lack of correspondence, and willingness to help another human being. I was even sent a letter saying they couldnt find my account or identify me as an existing human the same week they verified my dispute as accurate and remained on my credit. I am appalled by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: National Credit Adjusters, LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters has a negative inquire on my credit reports. I have no signed contract with the company. As per XXXX and XXXX, the account has been open since XX/XX/2019 for the amount of XXXX. I have no written, electronic, or verbal agreement with NCA. This collections report needs to be removed from my credit report ASAP as this debt is not mine. I have tried numerous times to remove the account but the credit reporting companies are failing me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: MS
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:
This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
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 2022-06-25
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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX Date of inquiry XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX XXXX Opened : XX/XX/XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle with Toyota finance..I currently paying {$630.00} for a XXXX XXXX  ... Toyota utilizes sells XXXX that will make you purchased a vehicle regardless that challenges that the consumer might face in the near future ... I need your help ... my fico score is currently XXXX. ... I always purchased the my vehicles from the same place ... .I feel like I have been played by the vehicle outside down transaction terminology ... .where people ends pay double for a vehicle..after the dealer satisfied the trade in vehicle ... .absolutely unfair for a buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
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:
XXXXm a victim of identity theft. The information listed below which appears on my credit report doesnt relate to any transactions that i have made. The following items are fraudulent 1. XXXX XXXX XXXX Acct # XXXX {$350.00} 2. XXXX XXXX Acct # XXXX {$1500.00} 3. XXXX XXXX XXXX XXXX Acct # XXXX {$1800.00} Ive sent multiple request to both Equifax & XXXX they both continue to ignore me and refuse to do a proper investigation. Please see attached FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can not access my equifax credit report! It states theres a block for promotional purpose! 

I can not access my XXXX report, its stating theres am open dispute. 

XXXX has a bunch of inaccurate information on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Source Receivables Management LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I closed out my XXXX account during the pandemic to cut back on bills. I actually had a line with them with XXXX of my children on and and I was also with XXXX and had XXXX other child on that account. I closed out XXXX and put everyone on XXXX. I was paying the balance with XXXX and then my household caught XXXX. We were ALL out of work and I didn't pay 2 of the last payments with them. I finally called and they said it was charged off because the majority of it was paid off. I had no payments left in their system. A few months later, my XXXX XXXX XXXX son, who now has that phone with that number, was complaining of someone calling about a XXXX  bill constantly. I answered the phone and without saying who I was, I was told it was XXXX XXXX XXXX and they were collecting a XXXX  bill. I hung up because I'd already had that conversation with XXXX. That went on for months and I guess finally the sold the account to someone named SOURCE RECEIVABLES MANAGEMENT. I have not spoken to them at all but I did receive something in the mail from them pertaining to said XXXX bill. 
I am in the THROWS of buying a house RIGHT NOW, as in looking and pre-approved already. I do not have time for their nonsense. According to XXXX, I no longer owe them anything. The date this started with this latest company XX/XX/2022 when it appeared on XXXX. The time I spoke to XXXX was somewhere between XXXXwhen I was home with XXXX XXXX and they kept calling my old phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal and they also violated my rights under 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK 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 2022-11-28
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY ; [ SOUTHWEST CREDIT SYSTEM ] HAS REINSERTED AN COLLECTION THAT HAS ALREADY BEEN REMOVED. THE COMPANY IS IN VIOLATION OF MY RIGHTS!!!

Company response to consumer: Closed with explanation