BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00}

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 2022-11-11
Company: EQUIFAX, INC.
State: NC
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:
As of XX/XX/2017 I became a victim of the Equifax data breach. Where my personal information was stolen by cyber criminals, putting me in jeopardy of identity theft. I am reading and attending webinars to learn what and how to protect my information the best that I can. These thieves have had my info for over 4 years, which gives as them a pretty big advantage that was aided by the negligence of Equifax. I was informed that I should added a fraud alert to my credit report. This is a horrific and stressful ordeal to be forced into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CT
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 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. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Bread Financial Holdings, Inc.
State: ME
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 have attempted to have XXXX and the original creditors remove these two collections accounts They NEVER were my accounts and they were opened without my knowledge or consent. I have not lived in XXXX in over 12 years. My permanent address is in XXXX and I have lived and worked in XXXX and XXXX since 2008. I am attaching my ID 's to confirm this. XXXX NEVER resolved or investigated this, and keeps saying the accounts are " confirmed ''. This is libel and slander, and could cause me to lose my security clearance. I never lived on XXXX in XXXX XXXX or on XXXX XXXX on XXXX. 

I never opened or had accounts with : Comenity Bank Express Comenity Bank AnnTYL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Have send several letters with supporting documents to XXXX, XXXX and XXXX requesting my name change, address change,XXXX  closed accounts and XXXX  Hard inquiries to be removed but all 3 credit bureaus have failed to assist me with my credit score instead my credit score is being sabotaged.Please I am asking for help to fix this issue.Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : 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 2023-01-04
Company: WELLS FARGO & COMPANY
State: PA
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: Problem with personal statement of dispute

Complaint:
In response to XXXX ID with Wells Fargo Auto Dealer , are showing and application form that is not complete and also showing inaccurate information. I never lived at the addresses on file, nor do I have any association with the phone number provided. There is no drivers license number, Wrong Employment, I never worked at any of the XXXX companies provided on file. I am not a home owner as well. I am not sure how this information can be verfied without documentations for the consumer to see. I want Wells Fargo To Stop reporting information of mine to any XXXX party. The information they are using inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing in regard to an issue I have encountered with flex pay plans on Citi credit cards. If you attempt to set up a flex pay plan for a transaction posting near or after your statement closing date, the system automatically adds a minimum finance charge of {$0.00} to your account. As Citi flex pay plans include the finance charge in the payment amount, I can see no point to this additional charge. It strikes me as a glitch. 

Each time I have encountered this issue, I call customer service. They can provide no plausible explanation and eventually agree to credit the fifty cent minimum finance charge back to the account. 

While on a personal level this is a paltry sum, it struck me that multiplied by millions of instances over years, the amount becomes less trifling.

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 2022-11-10
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:
XXXX XXXX : {$1500.00} I declare under the penalty of perjury ( under the law of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection/Chargeoff found within my credit report are punishable as perjury under. This collection/chargeoff found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. 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 2023-06-07
Company: Harley Davidson Financial Services Inc
State: KY
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, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through Harley Davidson. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to Harley. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and Harley the original creditor. I have now filed disputes with XXXX XXXX XXXX 3 separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that Harley Davidson stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed through XXXX and Zelle and essentially am being refused my money back. I filled out an online loan form, with my bank account information. I was contacted by a loan company who then said I was approved and deposited money into my account. They immediately started threatening me that I would go to jail if I didnt send it back immediately, I was terrified so I sent it back how they told me to, through Zelle XXXX The money they sent me dissapeared from my account. I would never willingly send scammers my own money, Im not an XXXX. They also disputed charges while being in my account. I understand the type of transaction zelle is and how it is impossible to get a refund on transactions but I dont understand when the person who received my money has a connected bank account through Zelle and it should be easily traced and be able to be returned considering they scammed me out of my money. I am a single mom and this will literally make or break me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-07
Company: EQUIFAX, INC.
State: WV
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:
Again, today, XX/XX/2023, I received the attached credit file report consisting of 36 pages. The attached .pdf contains the pertinent pages. Please see the name contained on each page ( i.e. 1, 2, 5 and 35 ) of the same 36 page credit file report. The name does not match! The name of the credit file report is not the same name of the addressee of the mailing of the credit report! 

The addressee of Equifax Information Services mail is INCORRECT and remains wrong. 

I am demanding that mail sent by Equifax Information Services specifically enclosing and containing the personal credit file information and personal identifying information be addressed to same name contained in the credit file report! The system names do not match and the addressee for the mail assuming a mail forwarding is filed with the XXXX would not occur correctly since the addressee is the WRONG name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Southwest Recovery Services, 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 am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that XXXX XXXX, Southwest Recovery Services, XXXX XXXX, and XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-08
Company: BANNER CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I received over XXXX XXXXXXXX in XXXX funds between XXXX. Someone close to me committed fraud and attached a XXXX XXXX to my online bank account and stole over XXXX XXXX  or more. I file a fraudulent claim with my banner bank and only received about XXXX XXXX back. 

Once I told the bank that I never owned a XXXX XXXX cell phone thats attached to my bank account, they never did anything about but it but closed my online banking. As of XX/XX/XXXX, I am still trying to get the IP address and transactions, transfers and wires that were made by someone who attached the XXXX XXXX to my account. I have not been helped and the manager said she has been denied by the fraud and online banking department for help. I told the manager several times that this is fraud and give them names of who it is, since XXXX, and something needs to be done about this. I have demanded that they give me the IP addresses and transactions from the XXXX XXXX devices that I never owned. 

After saying I will sue, now they might have a list of IP addresses created now. Even after I have been told from the Online banking department that they cant give me any information after 60-90 days. I need to persecute the persons that committed the fraud and I need the bank to help me with the IP addresses 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 2023-02-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian Is not properly reporting the up-to-date credit it is still showing a XXXX despite XXXX XXXX and XXXX XXXX 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 explanation
Consumer complaint received 2022-09-22
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 information incorrect

Complaint:
On XX/XX/2022, I requested to have several accounts investigated due to inaccuracies on my consumer report. As of XX/XX/2022, Experian, XXXX and XXXX have not completed the investigation or if they have they have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

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 2023-03-08
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my account with chime before hand I was unable to withdraw money from my account I closed the according account almost a month ago the remaining funds were suppose to be sent in check form to the address on file they haven't been sent. I called a few times followed the prompts and eventually spoke to someone still they were unable to find my account so there wasn't a resolution. Money was also taken out of my account without my permission however that's another issue for a later time

Company response to consumer: Closed with explanation