BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance 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 2023-11-02
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. Use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you. Please correct urgently and without delay.

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 2023-07-11
Company: EQUIFAX, INC.
State: MI
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 am trying to remove the inquiries from the credit reports. 
XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2023-08-16
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: Information belongs to someone else

Complaint:
This is one of 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 accounts 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 accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXXXXXX. Please remove these account immediately.

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 2023-11-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings acct. with this bank, for about a year. I also have a savings acct with XXXXXXXX XXXX for about 6 months. From my acct with XXXX XXXX I requested they transfer $ XXXX from my acct at XXXX to my XXXX XXXX acct. The funds disappeared from my XXXX acct on XX/XX/XXXX. To this day the money has never shown up at my XXXX XXXX acct. Shortly after it was out of my XXXX acct. I was notified by XXXX XXXX  they need some more info from me and they wanted those sensitive documents to be sent to a plain email, not through the bank website. I could not get any good answer why this was needed, why it was even requested or who was the impetus for this. I went back and forth for days and now weeks with both banks to get this completed. I have never been able get this completed and in fact I can not even get information from XXXX XXXXXXXX  where this money is in fact at. I told XXXX XXXX if this transfer can not be done like I requested they need to delete the transfer and send the money back to my XXXX acct. where I can access it. They will not do that and have given me a bunch of XXXX about how this is being taken care of, yet it never has been. I think this is some kind of scam. Otherwise if XXXX XXXX thinks this is some type of fraud they should immediately contact the authorities and if they have these funds either hold them for instructions on what to do with them from the authorities or send them back to where they came from. I am being majorly harmed as I need access to my funds so I can invest them where the income will be tax deferred. I am not able to do that and this is costing me money daily for that reason. I also am being kept from having access to my funds when I find a home to buy for living which could happen any day but not if I do not have my money. I need this scam to end and return my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report.

Under 15 U.S.C 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 2023-02-05
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
M & T bank merged with Peoples Bank last spring. Peoples Bank never charged people service fees- now M & T by default has moved former customers to this account and it incurs a monthly service charge if a minimum balance is not kept. There was improper notification of this, and it feels as though its an attempt to take money from clients deceptively in hopes they wont notice the withdrawal, a beach of fiduciary duty.

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 2023-07-11
Company: EQUIFAX, INC.
State: VA
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Eastern Account Systems of Connecticut, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/XXXX I spoke to a XXXX  ( internet, tv, phone provider, my acct # XXXX ) rep to close account and update forwarding address. I was told account was closed, the last payment of {$58.00} was paid in full, confirmed also with automated phone system. The necessary final steps : I was to mail back modem box and all transactions were complete. I was given confirmation # XXXX, no further action from me needed to be taken. 

XX/XX/XXXX I received email from XXXX XXXX stating my credit score changed per XXXX report, dropping XXXX XXXX due to negative action. I had been reported to the credit bureau for an account that was unpaid and in collections, the original creditor was XXXX. 

XX/XX/XXXX submitted request for my free credit report from the 3 credit bureaus through the government 's website. I found 2 of the 3 reports had a negative report from a collections account. 

XX/XX/XXXX contacted XXXX  requesting information as to why I was in collections. I was given explanation to a past due amount of {$94.00} accrued when auto draft was not received due to a stolen debit card. I explained I was told there was no balance on XX/XX/XXXX and I explained I provided a forwarding address and was not notified of an owed balance OR warned of collection threat. I am willing to pay money I owe and offered to pay. It was explained they could not take money as my debt had been passed to a collection agency. I was given XXXX, an automated revolving system with no assistance available. XXXX  would not provide a name of the collections agency, only a number. 

I went through my monthly accounting and filed bills and statements for any confirmation. I then went through my junk mail from the month of XXXX. I found a letter from Eastern Account System of Connecticut , Inc . Upon opening the letter XX/XX/XXXX, I found I was sent to collections by XXXX  on XX/XX/XXXX and had until XX/XX/XXXX to dispute or pay the amount. XXXX  did not make any attempts to the forwarding address and only 1 attempt by the collection agency, a company I had never heard of. 

Due to the federal holiday, I was unable to speak to any representatives. I logged into EasternAccount.com and paid the amount owed. 

I am filing this complaint against both XXXX  and Eastern Account System of Connecticut, INC as this is an issue of not being properly warned resulting in rash and unneccesary actions taken by 2 companies without regard to the affect it would have. I was not given proper notice I owed money to XXXX  or given the opportunity to make any required payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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

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 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX [ XXXX XXXX XXXX, ] [ XXXX XXXX XXXX, UT, XXXX ] To Whom It May Concern : I am writing to dispute the following unauthorized account on my credit report : * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX  * ] * Date Opened : [ XX/XX/XXXX * * ] * Balance : [ {$1400.00} ] I have never opened this account with XXXX XXXX. I do not have any account with XXXX XXXX. I did not give my written consent to open this account. 
I have attached a copy of my credit report with the disputed account highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 
I would appreciate it if you would investigate this matter and remove the unauthorized account from my credit report. I am requesting that this be done within 30 days of the date of this letter. 
i made a complaint got no repsonse within 30 days, this is my complaint with the Consumer Financial Protection Bureau ( CFPB ).

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am currently rewriting my complaint with TRANSUNION concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. TRANSUNION claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.

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 2022-10-06
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/27 two wire transfers were made to my account, for my job. I had just started this job with The XXXX XXXX XXXX, who I believed to be a financial firm who works with cryptocurrency. They instructed me to pull the funds from my account and purchase bitcoin at a bitcoin atm for the client. I did so, then a few days later, they reversed the wires. At this time, I contacted the company and asked what was happening, they stopped answering my calls and emails and at this point I realized I had been scammed. Now, what I am filing a complaint about is with XXXX XXXX. I have been a client with them for almost a decade and have always been in good standing with them. When I talk to them, they treat me like I had a hand in this, have implied that I am not smart for even taking a " job '' such as that, and have basically told me I am screwed and that I " spent '' the money myself. As well as now being labeled a risky client to them. ALL of my funds have been placed on hold, to repay the person who reversed the wire transfer, which was clearly the persons plan all along after receiving the XXXX. With no resolution date and even a guarantee that my money would be released. I have now had to completely uproot my business with XXXX XXXX and find another financial institution. Which I did not want to do. The amount of money that was in my account prior to the wire transfer is all I wanted to be released back to me. One account had XXXX in it, the other had XXXX. They are basically siding with these other people instead of their client, putting me and my family in a bind unnecessarily. I would like there to be some kind of reason as to why I am the one responsible to pay these fraudulent wires back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid 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/XXXX I ordered a new bed from XXXX. The order total was {$400.00}. I was moving into a new apartment on XX/XX/XXXX and had discarded my old bed. I received an order confirmation email from XXXX stating the estimated delivery date would be XX/XX/XXXX - XXXX. On XX/XX/XXXX I received another email from XXXX stating the bed would be delivered on XX/XX/XXXX. Instead, the bed was delivered on XX/XX/XXXX and no effort was made by the shipper or the shipment company that the bed had been delivered two days early. Since I had not moved into the new apartment yet, I drove over to the building to retrieve my package and it was not there. Since signature delivery was not requested by XXXX, XXXX was empowered to leave the package unattended in an apartment building that I was not yet living in. I contacted the merchant, XXXX, who asked me to " wait for 3 days for the package to turn up '' which is unreasonable because XXXX packages don't just disappear and " turn up. '' I contacted my credit card company and filed a dispute, then I ordered the same exact bed from the same company. I had to sleep on the floor until my new bed arrived. I made my bank aware of all this, and submitted a signed letter along with 14 pages of documentation proving negligence on both the part of the merchant and the shipping company. I provided proof that XXXX ignored the signs in the building and left the package in the wrong location, I provided proof that XXXX advised me of one delivery date and actually delivered on a different date, and I provided proof that the same bed was purchased twice. Capital One has taken none of this evidence into consideration and has sided with the merchant twice, stating that XXXX reported the package as delivered. Whether or not the package was delivered to the requested address is not the issue, the issue is it was delivered two days early and stolen. I should not be held liable for a package that I didn't receive and I should not have had to pay for the same bed twice. They have reversed the credit on my account, despite the fact that the " investigation is still ongoing. '' They have also contacted the merchant and advised them that I would not be receiving a refund because " the bank has ruled the dispute as invalid, '' which contradicts what they told me.

Company response to consumer: Closed with explanation