BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had XXXX under my account including unauthorized ATM use. 

Wells Fargo declined my claim. They reverse all provisional credit and now my balance is negative.

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 2023-08-16
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: Account status incorrect

Complaint:
XX/XX/XXXX I would like to file a complaint against Equifax A few months ago, I learned from XXXX lenders, and an insurance agent, I learned that Equifax in XXXX, XXXX, and XXXX of XXXX, Equifax had gone through my whole credit file, re-aged all old negative accounts from XX/XX/XXXX, to now show as if I have new XXXX collections, past dues, and charged off accounts. 

Unjustifiably they have continued to continually lower my credit score, all the way to the low XXXX. They are intentionally not updating and following my true financial credit information, what they are reporting is falsehoods, and lies instead On my credit file, Nebraska XXXX who I have had nothing to do with since XXXX of XXXX, 4 years ago. 
Equifax allows them to report false fraudulent past due amounts, and fraudulent monthly past due payments onto my credit file. 

Every year including XXXX, Nebraska makes it seem as though I owe them recent past due monthly payments, and a balance, which is a lie. 


In XX/XX/XXXX, I had filed another complaint with the CFPB against XXXX Bank, and its collection cohorts, I have had nothing to do with any of the above for over 4 years, yet they always retaliate and re-age and lie and place false status information onto my credit files. 

And they find someone at the credit bureaus it seems, like someone at Equifax, took ALL old XXXX negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XXXX, XXXX and XXXX of XXXX. 
This was done intentionally and in collusion to cause irreparable damage. 

I have attached a recent denial letter from XXXX card services, and all of the reasons that I was denied credit for, due to the unjustifiable, untrue information that Equifax is providing to creditors, is inexcusable. 
For years Equifax has carelessly not been updating my credit file accurately, and they will report anything that will have me denied credit, as well as keep my credit score at a FAILING level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-19
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit alert on my credit journey that I have on my chase credit card. There was a new credit inquiry on XX/XX/23 from lender : COMENITYCB/XXXX XXXXXXXX XXXX I contacted comenitycbXXXX XXXX and was told someone filled out an application to open a new credit card with my name and social security number as well as an old home address. I informed comenity that I did not apply for a credit card with them. They cancelled the application for the credit card and directed me to contact all credit bureaus to report the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX  2. XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-11-16
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:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2023-05-12
Company: EQUIFAX, 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:
XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX MISSOURI Balance {$430.00} Balance updated XX/XX/2023 NATLCRSYS Original creditor XXXXXXXX XXXX XXXX XXXX XXXX Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXX XXXX  Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updated XXXX XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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 Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.

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 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with capital one, I was maybe a few weeks behind on my payment. I paid my balance in full and even paid over the limit. I never received notification and they closed my account out with explanation nor notifying me prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: MN
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 submitted a previous complaint and was told it was being worked on. However, experian allowed the company to again submit for payment on an already settled account, and one they said was being investigated and worked on. This happens every time experian states they are resolving it, yet the company keeps submitting for an already settled claim.

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 2022-11-17
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on or about XX/XX/2022 i contacted XXXX and or resurgent debt collector and asked for information regarding account ending XXXX and asking not to be contacted further. on or about XX/XX/2022 i received a text message from resurgent debt collector regarding an account that has been paid in full for less than the total balanced ( settled in full ) on or about XX/XX/2022 i received a notice from XXXX regarding an account which i have advised was opened without my written consent. company has not provided any relevent documentation regarding the account and continues to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have two deductions taken out of our checking account showing " DEBIT CARD PENDING CORRECTION '', I contacted Wells Fargo and they are aware of the issue but have no idea when it will be corrected, this caused our checking account to go into the negative. Also, I have XXXX deposits/ credits that are not available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: World Acceptance Corporation
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:
Yes I once filed a complaint against this company one time before but now I have a better understanding of what happened my identity was stolen back in XXXX  when I first XXXX to XXXX XXXX XXXX XXXX South Carolina I put a freeze on my credit someone went to XXXX or either XXXX South Carolina and did a huge loan with world finance company I called the head office and ask them about the loan and ask them how could I get them to remove off my credit and that it was fraud I asked them how did a person apply for the loan the lady said they did it online because after she told me that that's when I let her know it was fraud then she said if you can get information from the law enforcement or proof of fraud then we can do something about it and then she got an attitude with me so I told her I was going to take it further

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Genesis FS Card Services, Inc.
State: CO
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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Payment Resolution Services
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wrote to company to dispute the validity of debt on XX/XX/2023 and requested further information to verify the debt, sent via certified mail signed for XX/XX/2023 at XXXX by front desk. 

I have not received any further correspondence as of today for the information I requested and as required by law 15 US Code 1692g Validation of Debts. I am asking this company via estoppel letter to remove this information from any credit reporting agencies and to stop their collection 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 2023-10-09
Company: DISCOVER BANK
State: NY
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:
DISCOVER FIN SVCS LLC Credit Card with account # XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal cas need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. 5 soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: MOHELA
State: FL
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:
please CC all companies you are finding below THAT ARE HIGHLIGHTED. CC : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from XXXX XXXX. I am a victim of 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 2017-01-20
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On multiple occasions, Navient has not run my bills properly. One example of this being that I was told on XX/XX/2017 that my bill had already been pulled from the Bank. As of XX/XX/2017 there has been nothing pulled from my account. I have tried to figure this out multiple times and they refuse to help. This is after it took them 3 months to notify me that there was a plan I could enroll in to help pay of my student loans. This has happened for both federal and private loans. They are preying on recent college grads who are struggling to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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 the below listed Accounts are violating my rights XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2023-07-27
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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-06-11
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: Credit inquiries on your report that you don't recognize

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 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