BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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:
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this 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 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX XXXX I noticed an account on my credit report. I called Capital One to indicated that account ending on XXXX was not fine. It was a fraudulent account open under my name. On XXXX XXXX  I received and email with an account statement, stating that the payment was pass due. The account it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check for XXXX in XX/XX/2022, my account was immediately closed and to this day the funds from that check have not been returned to me. even if they took it away from my client. It has called many times to banck of America but they have not solved the problem

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 2023-08-24
Company: Experian Information Solutions Inc.
State: AZ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
These bureaus are falsely reporting alleged debt which is a FDCPA Section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

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 2023-06-13
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 is missing that should be on the report

Complaint:
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name | Account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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.

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 2023-04-15
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 information incorrect

Complaint:
I called Equifax to dispute inaccurate information presented on my credit report. She said these accounts would be used to verify my identity. Instead of listing my reason as inaccurate information, debt not validated, and by law these things should be removed from my credit report. Under the Fair Credit reporting act. 15 USC Code 16801 E Compliance Procedures. 
Removal of inaccurate information from my credit report, if 1 % of the data is incorrect, the data must be deleted. My credit scored XXXX XXXXXXXX XXXX within one day due to investigation processes that take 30 days. Not sure why my score tanked when I provided lawful reasons, inaccurate information, for my disputes. This is illegal debt practices by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: The Leviton Law Firm, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023, Leviton Law Firm , Ltd., sent a letter trying to collect a debt I didn't owe. That letter gave me 10 days to respond, but the letter wasn't received by my office until XX/XX/2023, after the expiration of their unilateral deadline ( unfair act # XXXX ). 

I responded the day I received the letter, sending an explanation of why I don't owe the debt along with backup documentation. 

On XX/XX/2023, I received another letter from Leviton Law Firm , Ltd., which gave me five days to respond. That letter was dated XX/XX/2023, and it also arrived after the deadline ( unfair act # 2 ). 

On XX/XX/2023, I called XXXX XXXX at Leviton Law Firm, Ltd. 

Eventually, XXXX acknowledged my XX/XX/XXXX response but only after I mentioned it several times ( deception # 1 and unfair act # 3 ) and only after he raised his voice at me so loudly that I had to pause the conversation and decide whether I wanted to continue talking to him ( abusive conduct # 1 ). In pitched tones, he said, '' What? Do you think this is going away? This isn't going away. We've already started the process. You're already in the process. '' Initially, he called my XX/XX/XXXX email a " dispute, '' as if that made my email somethingless than a response ( unfair act # XXXX ). It was a response. The letter that I received on XX/XX/2023, started out with the comment " since we have not received a response from you .... '' That statement is untrue ( unfair act # 5 and deception # 2 ). 

XXXX didn't acknowledge the attachments to my response ( unfair act # 6 and deception # 3 ) until I asked point blank if he had looked at them. He then told me it didn't matter what I had to say because he had the records from XXXX  ( unfair act # XXXX and abusive conduct # 2 ).

I do not know what he meant when he said I'm " already in process. '' But, it was clear to me he wasn't attempting to resolve this matter. He was using scare tactics ( unfair act # 8 ). 
This is especially true because I told him that I spoke with XXXX  ( on XX/XX/2023 ) to make sure that both the policy I knew about and the strange reissued policy that I didn't know about were canceled at the same time. He refused to discuss the point ( unfair act # 9 ) and told me, in raised voice again, that it can take XXXX  30 days to process a cancellation. This is irrelevant because that is a procedural issue, not a cancellation effective date issue ( deception # 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I transferred in {$5500.00} in XXXX deposits to my new business checking account with U.S. Bank. XXXX days later, the account was closed without notice or explanation. I was unable to access the account or funds, and received no communication from the bank on this matter. 

The following business day, I called to ask what had happened. I was told that they couldnt provide a reason, and that I would receive a call regarding the matter sometime in the next XXXX weeks. 

XXXX weeks went by without correspondence from them. I called back and was told they couldnt provide a reason, and that I had to go to my local XXXX Bank branch and speak with a general XXXX. Unfortunately, as there is no branch within a few XXXX miles of me, I was unable to do this. 

On XX/XX/XXXX, I received {$3000.00} of my original {$5500.00} to my personal checking account. This was the amount of XXXX of the XXXX deposits. The other {$2500.00} was through a XXXX transfer on XX/XX/XXXX from my personal checking account. 

I waited a couple more weeks in anticipation that Id receive the other portion of my money, but to no avail. 

I called the bank again, explained the situation, was transferred several times, and finally got hold of a XXXX in their fraud department. I was told Id receive a letter in the mail with a check for the remaining balance sometime in the next couple of weeks. 

Eventually I received this letter. Unfortunately, the letter simply said my account was closed and it could provide no further information. There was also no check within the letter. 

I called again, went through the same painful process of being transferred multiple times, and reached someone who told me that they had no further information to give me. I wouldnt receive any more communication from them on this matter, and my remaining {$2500.00} would be reviewed at some point, but there was no timeframe on this investigation. The representative made it seem like XXXX take a very long time, and - I believe- expressed her condolences. 

It is now XX/XX/XXXX and I have received no news about my cash, and the customer service reps can provide no more answers.

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 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm in the process of buying a home and I realized I had damages on my credit report. According to the 15 U.S. Code 1681 their should not be any damages on my credit report its a defamation to my character.

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 2023-11-07
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was on hold for XXXX hour and XXXX XXXX minutes on a call to Mohela. I had to hang up and didn't get to speak with anyone except recorded messages or XXXX  if that. Not cool. I know its busy but this is unreasonable. I know the government is paying them well to service these loans. Hire more people please. Call was on XX/XX/XXXX about 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 2023-10-10
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I have reviewed my credit report and found that the inquiry was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: GA
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 ( DEPT OF EDUCATION/ 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 an account without my written instructions. 



Please delete the following accounts : ( DEPT OF EDUCATION/ 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 2023-01-10
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX my cell phone SIM card was stolen, ported out to a different carrier in a different state. 

I work for a direct sales company called XXXX XXXX. XXXX XXXX pays me commission to sell their product. To receive my commission they charge me {$2.00} a month for my money to go to a hyperwallet by a company called XXXX XXXX. There is NO other option to receive commissions from XXXX XXXX. We HAVE to use XXXX XXXX. I had/have a bank account linked to the XXXX XXXX site to transfer funds from XXXX XXXX to my bank. 

On XX/XX/XXXX the criminals that stole my phone number, accessed my XXXX XXXX account and added someone else PayPal account, and transferred {$1600.00} out of my XXXX XXXX and that Pay Pal Account. I was unaware of the theft as the criminals had also taken over my email accounts. So I was completely unaware that any changes had been made or that any money was transferred. 

Once I learned of the theft ( aprox XX/XX/XXXX ) - I contacted XXXX XXXX for help. I was told over the phone that they were escalating my case but that I needed to contact Pay Pal to try and resolve this through them. 

I contacted Pay Pal and they told me that since the money wasn't deposited into my Paypal account that they couldn't help me. 

I contacted XXXX XXXX and they requested documentation, which I sent them. Part of that request was for a copy of my conversation with XXXX XXXX. When I contacted XXXX XXXX to request a copy of my conversation with them, I was told that they couldn't give that to me that XXXX XXXX needed to contact them directly. 

On XX/XX/XXXX XXXX XXXX sent me this email : " The investigation for this case was completed today, and we will not be able to refund the requested amount back to you. XXXX XXXX is a third-party vendor to XXXX XXXX, and we are not responsible for the security of the account. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: NV
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:
I pulled my credit report and still noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$2400.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$8500.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$4100.00} Account : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00} Account : XXXX XXXX  opened : XX/XX/XXXX Balance : {$1100.00} I am entitled to complete and accurate credit history ; they are missing account information and they need to be removed. I want my credit report to be accurate and by law these companies need to remove accounts that are inaccurate, incomplete, or unverifiable. These companies need to respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE on file for the accounts above. Unverifiable accounts must be removed immediately. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The account that has late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX has late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ). These companies are in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : 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