BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We had a complaint and did a fraud alert with bank of America and they credited our account temporarily for the {$300.00} then all of a sudden without notify us the claim had been closed or anything they just take out the {$300.00} without us even knowing anything putting our account into the red which h I do not appreciate at all they tell us you get a letter in the mail that 's not right they should notify me they are taking out the money or that the case has been closed before they start just taking money out without my knowledge very upset about about this

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 2023-03-29
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 XXXX the following companies have violated my rights. 

XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 non-monetary relief
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have told Experian more than once that there is incorrect information regarding my credit report. There are addresses and numbers on my report that I have know knowledge of as well as debts that I have no knowledge of. Under the Fair Credit Reporting Act, it is Experians job to make sure all information is correct and reported accurately. Their refusal to send me their investigation information from their last investigation clearly states that they never even attempted an investigation and that is against the law. You have 25 days left to have your investigation in my mailbox and to have my lawyer say that your investigation is up to standard or I will file a lawsuit in court to remeve the fraudulent information and for damages you have done to my company and my ability to make a living. I am done playing your stupid and illegal games.

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 2017-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian asks a user to input a credit card and teases that it will provide credit reports for {$1.00}. This is deceptive, because it is actually billing a monthly credit monitoring service that costs {$21.00} if not cancelled within 7 days. Beyond this, Experian displays all XXXX credit reports and the user can click on these. Experian charges the credit card on file a one-time fee of {$39.00} for accessing another credit report. There is no disclosure that this amount will be charged, either before or after clickthrough on the displayed credit reports. The user interface is deceptive and looks like these are free products provided with the {$1.00} service. I disputed this with Experian and obtained a refund of the charges to my credit card, but I am concerned about other users being misled. Experian should provide a disclosure that there will be a {$39.00} charge before allowing users to clickthrough and access other credit reports. There should be a more visible disclosure that the {$1.00} charge is actually a signup for the monthly credit monitoring service.

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 2015-10-20
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting XXXX charges as open and not satisfied but they have been paid. I have called XXXX XXXX about my {$34.00} " balance '' and my {$73.00} " balance '' but have not received a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have om going disputed with Experian cresdit monitoring since XX/XX/XXXX, about company call XXXX XXXX XXXX this is Number XXXX. This finance services work with XXXX ; this company do not have license to operate since XX/XX/XXXX. I got proof letter from XXXX XXXX XXXX XXXX CA department of consumer affair. My case number XXXX and this there phone number XXXX have got a lot of denied credit because of this. The credit bureau taking side XXXX. 
Sent from my iPhone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-03-29
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:
I

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Disputed a case originating from a XXXX credit card with Experian, XXXX. XXXX refused to give me information about the account, because it had been transferred to collections. Collections would only send me verification of the debt if I provided them with a utility bill, which I do not have because I live with family. I have never been sent a notice of this debt and nobody will send me anything in writing proving that it is mine, or even telling what account it 's relating to. I was under the impression that all balances with XXXX were paid in full, and do not know where this balance came from. I was also under the impression federal law required the collection company to verify the debt with me when I requested it in writing, which they have also failed to do. 

I disputed the case with the bureaus stating this. They simply mailed a notice saying " The collection agency has verified the debt. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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:
This is a formal complaint against Experian. I asked Experian for a human review of the late payments placed in my credit file from companies : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to remove the late fees reported to my credit reports with Experian XXXX and XXXX. The certified letter was sent to Experian on XXXX XXXX XXXX After 30 days I did NOT receive communications from Experian regarding my written request. On XXXX XXXX XXXX, I mailed a second notice to Experian via certified mail. I requested Experian to show me written proof of their investigation of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/ Experian notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my Experian account online. Experian did not complete a thorough investigation. Experian did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. 
I want XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with Experian 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 non-monetary relief
Consumer complaint received 2015-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has made it difficult for me to get my report # XXXX and # XXXX they refuse to remove wrong information. I am upset. They are ruining my life. They refuse to provide validation, creditors reporting them do not provide validation and those accounts MUST be removed by law. They are reporting incorrect addresses and they are letting people see my credit who I never authorized to pull my credit. The erroneous information is as follows. 
I never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my addresses, Experian has been notified and refuses to comply and remove them. Additionally, they continue to illegally report the following accounts that do not belong to me. They refuse to provide documentation for me to reasonably defend myself and so do the creditors. Knowing my name, address, etc. does not constitute a contract or legal debt. 
XXXX XXXX Account # XXXX XXXX Account # XXXX .... 
XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 
Finally, I did not give anyone permission to pull my credit in years. The illegal, unauthorized credit pulls that need to be removed are here. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I was a victim of the XXXX Data Breech and my purse was stolen in XX/XX/XXXX with my social security card, driver 's license, and my birth certificate on a card. I already sent a copy of the police report to Experian and a copy of the letter including me in the XXXX data breech. These are not my accounts. I have hired XXXX XXXX to sue if it 's not corrected immediately. I am done being a victim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several inquires I did NOT inquiry what is going on? I want these removed XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address 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 2017-01-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
YESTERDAY I TRIED TO OBTAIN A FREE COPY OF MY ANNUAL CREDIT REPORT BUT EXPERIAN AS ALWAYS REFUSED TO PROVIDE ME A COPY STATING THAT I RECEIVED MY COPY. UNFORTUNATELY, I NEVER RECEIVED A FREE COPY AND I WOULD LIKE EXPERIAN TO PROVIDE ME A COPY. I CAN NOT REACH THEM BY PHONE DUE TO MANY REASONS FOR WHICH I CAN NOT EXPLAIN. I WOULD LIKE EXPERIAN TO PROVIDE ME A FULL COPY OF MY FREE ANNUAL CREDIT REPORT. 
PLEASE FEEL FREE TO CONTACT ME IF YOU HAVE ANY QUESTIONS IN REGARDS TO THIS MATTER. 

THANK YOU 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 non-monetary relief
Consumer complaint received 2023-03-29
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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:
XXXX XXXX is reporting payments late after an automatic stay as a result of a bankruptcy filling including the mortgage. They are not allowed to report any payment activity after the bankruptcy filing as it is a violation of the collections action of such a filing. I am requesting that they remove all activity from the credit report effective immediately from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Further to my previous filing, Wells-Fargo has responded to my complaint about unfair fees by closing my account. I have sent them a reply, requesting a formal letter indicating that my account has been closed and that no further financial burden is expected of me with respect to this account. 
Wells-Fargo has removed all evidence of my checking account from the online service in a glaring attempt to cover up what they are doing. I never received any notice of their intent to close my account. Instead, my credit card provider ( not Wells-Fargo ) informed me that a scheduled monthly payment was rejected due to account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Here 's my story : I 've been paying my minimum monthly payment every month to Sallie Mae until I fell into hard times. My car keeps breaking down and now taking care of my homeless father. I can no longer afford my minimum monthly payment. Before, today XX/XX/2017, I 've called several times trying to lower my payment and I was told my only option is to go on forbearance. I did n't want to stop paying them, so, I started sending checks of what I can afford. That is when they started harassing me at my work and other family members looking for money. I called again and was on the phone with them for over 3 hours, today, trying to find a solution. I talked to XXXX, in the Resolution Department, giving them all my financial information and hard ship issues. The call elevated to the supervisor, XXXX employee # XXXX. They told me they can not help me and forbearance is my only option. ( All calls are recorded so you could potentially get the information if you need it ). My XXXX XXXX XXXX grandmother is my cosigner. She is currently living on only social security so she is, also, unable to help me with payments. They wanted to speak to my cosigner, however, she is unable to speak on the phone. I told them vehemently, over and over, she is unable to think clearly and there is no one to speak on her behalf. I made it very clear that I want to be responsible for my payments of what I can afford. Throughout this 3 hour call I kept telling them I can pay {$100.00} per month and I know I could continue making {$100.00} payments through the duration of the loan. They just kept offering the forbearance or speak to my cosigner ( aka my XXXX ) - those were my only options. It started this back and forth conversation and they did not give me any other options. Am I wrong? Should n't they work with me? They have no problem cashing my check I send in each month. Now my credit is ruined because of them, so, now I do n't qualify to consolidate my loans with a bank. I am writing to you, not only to help others, but also to see if there is ANYTHING you can do to help me. I 'm desperate and I need you. 
Thank you, XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX XXXX gradutate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On three ( 3 ) separate occasions over the past 2 years, a charge has appeared on my Chase Freedom credit card account of {$16.00} from a company I have no knowledge of, and have never done business with ( XXXX & XXXX # XXXX ). When I complained to Chase about the erroneous charge, they removed it and closed the account. They then issued me a new account number, which meant I had to wait for the arrival of the new card, and then take the time to notify all my reoccurring charge accounts of the new number. I can understand how a scam company might somehow get a false charge posted to my account, but you can not make me believe it can happen 3 times, with XXXX separate account numbers without collusion with Chase. In all the many, many years I have had credit cards with various banks, this is the only time it has ever happened, and it was with Chase, and three times.

Company response to consumer: Closed with explanation