BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

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

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

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

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes 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 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 XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-02-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
My name is 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.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-13
Company: Experian Information Solutions 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

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: FL
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:
To Whom it may concern, Experian for violating the Fair Credit Reporting Act and my consumer rights. Experian denied all my disputes and Experian provided faults information Experian has damaged my reputation as a debtor and destroyed my creditworthiness. Whenever I file a dispute either Experian denies them less than 24 hours or Experian will not allow me to file any disputes. Experian has violated these Acts ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct. 15 U.S.C. 1681 the Fair Credit Reporting Act - The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Experian being purposely report faults in information and low scores on my credit report to keep me stuck and bound to their faults and allegations. They have profiled my account with them and they retaliating for reporting and complaint about their misconduct to FTC AND CFBP.

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 2023-11-16
Company: Selene Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
On XX/XX/2023, Selene Finance sent a Reinstatement Quote good through XX/XX/2023, which totaled {$16000.00} and which was paid in full on XX/XX/2023. For the months of XX/XX/2023 through XX/XX/2023, my montly installment due was {$1500.00}. For the months of XXXX through XX/XX/2023, Selene indicates that my monthly installment due is {$2000.00} for a difference of {$520.00} per month for those months, with no explanation of the payment increas of {$520.00}. Monthly late fees are {$48.00} which totals {$290.00} for the months of XX/XX/2023 through XX/XX/2023. XX/XX/2023 's installment was paid on time, therefor accrues no late fee. The statement indicates late fees and " other charges, '' but does not break down those " other charges. '' The attorneys ' fees of {$1600.00} were included in the {$16000.00} reinstatement installment on XX/XX/2023. There is a " Corporate Advance Balance '' of {$830.00} with no explanation of what a " Corporate Advance Balance '' is. The monthly installment of {$1500.00} includes, and always has included, taxes and insurance. My mortgage is now current and should NOT be {$2000.00}. There has now been {$1500.00} ( {$520.00} x XXXX ) paid extra for the months of XX/XX/2023 through XX/XX/2023 and another {$2000.00} due in XX/XX/2023 for a total of {$2000.00}. On the XX/XX/2023 Mortgage statement it is indicated that escrow had a negative balance of - {$3300.00} and XXXX ( XXXX ) separate escrow advances totaling {$2900.00}. On the XX/XX/2023 Mortgage Statement, it is indicated that escrow now had a negative balance of $ XXXX for a difference of {$1500.00} in the XX/XX/2023 and XX/XX/2023 Mortgage Statements. On the XX/XX/2023 Mortgage Statement it is indicated that there was yet another escrow advance of {$4800.00}. Again, my monthly mortgage installment of {$1500.00} does, and always has, included both taxes and insurance in that payment and my monthly mortgage installments are current and paid through XX/XX/2023 as of XX/XX/2023. There seems to be no justification in the {$520.00} additional monthly charge on my XX/XX/2023 through XX/XX/2023 montly installments. Explain IN DETAIL please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This incident came about XX/XX/XXXX when I called to report my card stolen and to see why my account was closed by XXXX XXXX XXXX. They said it was closed due to checking account fraud. I denied these allegations due to this being my main bank account where I would pay all of my bills with this account, and I had a long lasting relationship with this bank since I opened my accounts in XXXX. I opened a dispute and they sent me a copy of a fraudulent check with a signature that clearly looks fraudulent and does not match any of my hand writing or signature which they do have on file from me opening my account in side of the bank from XXXX. I then asked for this matter to be investigated further checking security cameras and pulling XXXX  addresses to verify that this was NOT me making these fraudulent transactions in which it has not been done and this is now reporting on my credit report with XXXX XXXX XXXX hurting my chances of opening a bank 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 2023-01-09
Company: Experian Information Solutions Inc.
State: OH
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:
I have tried disputing these fraudulent inquiries with this agency multiple times and have repeatedly been told that the inquiries are accurate. Which they clearly are not. Ive never been provided proof of HOW these inquiries were validated or by who. Most importantly, I never applied for credit with ANY of these companies, nor do I recognize any inquiries. I never signed ANYTHING authorizing ANY of these companies to run my credit at any time. 

The unauthorized and fraudulent inquiries are as follows ; XXXXXXXX XXXX XXXX XXXX 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 2023-03-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the account with the company and allowed them ample amount of time and they have have failed to comply with the investigation. They have failed to adequately respond to my debt validation. 

This debt was allegedly charged off and they are still reporting that I owe them after sending me a 1099C allegedly and showing no verification with the IRS .If a 1099C is filed how are you reporting income thats FRAUD violations : 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S Code 1681b Permissible purposes of consumer reports Produce the 1099C

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 2023-12-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The details were released about a month after Wells Fargo entered into an agreement with the CFPB just before XXXX 2022. The settlement includes more than {$2.00} XXXX in reparations to customers who suffered financial losses and an additional {$1.00} XXXX that will go to a victims relief fund as part of a civil penalty.

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 2023-09-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 XXXX XXXX XXXX in XXXX, FL charged my CareCredit card {$5000.00} for XXXX  services and XXXX  procedures not yet commenced. I disputed the charge and CareCredit reversed it. But on XX/XX/2023 CareCredit posted a {$5000.00} charge, described as " Merchandise Sale XXXX OH. '' I disputed the new charge, and I asked CareCredit to send me a photocopy of my alleged " signature authorization '' but they refused.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: NV
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NV 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 2023-07-18
Company: Netspend Corporation
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Well I had my account hacked hacked for {$1100.00} on XX/XX/2023 and then I got my account hacked on XX/XX/XXXX 9 times during the day and then they sent me a replacement card when they close my account and when I tried to activate it they deem me ineligible for their services even though they know I wasn't responsible for my account being hacked and they never really gave me a reason and that was on XX/XX/2023 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 2023-06-13
Company: Experian Information Solutions 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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Experian 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 2023-03-24
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Experian has failed to respond and validate any debt and are severely damaging my credit. I want the items removed, please. 
XXXX XXXX XXXX XXXX Experian Balance {$2100.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Update this account to paid in full because you report a monthly payment of {$43.00} on a closed account On Experian XXXX XXXX XXXX XXXX No late payments appear on XXXX nor XXXX update to XXXX XXXX XXXX XXXX  XXXX Experian Balance updated XX/XX/XXXX IS AN ERROR Balance has not been update after dispute on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX Failed to enter within 30 days from first dispute On Experian XXXX XXXX XXXX XXXX No late payments appear on XXXX nor XXXX update to XXXX XXXX XXXX 4 POTENTIALLY NEGATIVE MONTHS No late payments appear on XXXX nor XXXX update to paid on time The following XXXX items do not appear on XXXX nor XXXX DELETE IMMEDIATELY XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Important dates XXXX date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX 2022

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 2022-01-21
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: Personal information incorrect

Complaint:
All three credit bureaus are showing wrong addresses My current addresses as of XX/XX/2022 are - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. No. XXXX, XXXX XXXX, CA XXXX My old address is ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX My correct " and only '' phone number ( XXXX ) XXXX This address fiasco is not being corrected by Transunion, XXXX and XXXX .... causing me a lot of problems in opening an online savings 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity theft please remove this fraud inquiry from 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