BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: PA
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 fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars 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 2020-08-10
Company: EQUIFAX, INC.
State: AL
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 went to purchase a car and my credit was pulled for inquiries that I did not approve for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Recovery One, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially contacted this company in XXXX of 2020 requesting this company to send me validation of the alleged account. The company has not replied in 60 days. This is a violation of my privacy rights, the FCRA, and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
I was in the market for a mattress and I came across and offer to use affirm to purchase it. I then filled out the application online and it told me I already had an account. I contacted affirm and the confirmed the email address and the debit card being used to make the payments before the default of payments is not mines. Then after their investigation they came back and told me I'm still liable for the payments of something I didn't receive and have no knowledge of. I've contacted the company several times, filled out police report and their identity theft/fraud form.I still have gotten no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Lending Club Corp
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lending Club Bank is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Lending Club bank gave me no notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( XXXX ). I am the consumer and the only one that can validated my obligation to any alleged debt pursuant to 15 USC 1692g. I have request that Lending Club Bank cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I also request that the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: BB&T CORPORATION
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After BB & T flat out refused, multiple times, to accept my method of payment, I spoke with them XXXXXXXX times stating payment would be sent before XXXX XXXX, 2017. I have continued to receive multiple phone calls asking where the payment is. Again, they refused to accept my payment before the due date and are still refusing to accept it now.

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 2020-08-10
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 have been having troubles trying to get TransUnion to investigate sevearl things listed on my credit file. I submitted several complaints via mail and recently online. They finally responded to the online dispute but yet there is an account that they indicated they investigated but the results are not complete. There is an aged account that should not be reporting on my credit file with XXXX XXXX and they so no data for the time in question. they show no type of payment history for XX/XX/13, XX/XX/13 & XX/XX/13 all of which were 30 days delinquent therefore addressing the statute of limitations. Their report says no data ... If the lender can not provide that data or TransUnion is unable to report those months in question then this should not be reporting on my credit file. As per the FCRA they need to show accurate information and no data for those 3 months which would show the account is past the statute of limitations is clearly a violation of the FCRA. 

On page one of the attachment it clearly shows under the rating Key X is unknown. Then on page 2 is the start of the XXXX XXXX account and the final page shows X ( Unknown ) for XXXX, XXXX, and XXXX of 2013!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XXXX XXXX 2015 i applied for a credit card with XXXX XXXX. The application was denied and the rejection email that i received, stated that their decision was based on information they had obtained about me from Equifax. I decided to check my Equifax credit report and found a massive list of prior addresses that do not belong to me. The only way Equifax could have received those unknown addresses are from old collection accounts that were improperly reported years ago. There is also a ( fraud alert ) listed on my Equifax credit report which i did not give my approval for them to add. I have disputed the unknown addresses and Equifax refuses to remove them from my credit report. They also refuse to remove the fraud alert which should not be on my report at all. The only address they should have on my file is XXXX XXXX XXXX XXXX XXXX. The only phone number they should have on my file is XXXX. I want the inaccurate information removed from my credit report. Everything else on my report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity to open up unauthorized and fraudulent accounts using my name. I have received harassing and threatening telephone calls and death threats from various credits, for unauthorized and fraudulent accounts that do not belong to me. The following unauthorized and fraudulent accounts do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax refuses to remove erroneous information from my credit report. They said I can put a statement. But whats so funny is the company reporting the information XXXX, XXXX is out of business and they refuse to give me their phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express is refusing to remove an unauthorized transaction on my account. I am being charged {$930.00} for merchandise I did not authorize. The merchant made an error during an order process and took money from me for something I did not want. 
I contacted American Express and the still have not resolved the matter. They are forcing me to pay. The merchant sent me the merchandise and is not reachable to schedule a pickup. Merchandise is very large and has been taking up a lot of space in my living room inside the original box I never opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of four accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.

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 2022-10-07
Company: TrueAccord Corp.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I received an email from XXXX XXXX  identifying himself as a debt collector stating that he was collecting on behalf of XXXX XXXX XXXX from original creditor XXXX XXXX  I received approximately 18 emails regarding the collection of True Accord Account # XXXX and every email XXXX XXXX  informed that my aledged account was red flagged from an outstanding debt totaling {$4100.00}. This account XXXX XXXX  was discharged and reported to the internal revenue service as an 1099C After receiving the collection emails without my authorization an consent I submitted a request fro validation under the fair ebt Collect FDCPA & FCRA Until this day they are continuing to report unverified information on my consumer file, True Accord also failed to validate the debt as required by federal law and under the new fair credit practices guides lines that are currently being implementation by the consumer fair credit beurer. I am requesting that the CFPB conduct an ivestigation into the unlawful collection practices and negative reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX could not validate these accounts, Equifax needs to follow suit. The debt can not be validated, therefore it needs to be removed from my credit report. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters out certified over 60 days ago and more than once. I didnt get notified of my results from the disputes and as a consumer i feel like these clowns taking advantage of normal people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a reimbursement check from PayMap. The envelope that contained the check was stuck between other documents. Yesterday, XX/XX/XXXX, I found the envelope and the check. However, the check says that it is to be voided after XX/XX/XXXX. I contacted the number reflected in the paperwork, XXXX and was told that they could not assist and directed me to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried contacting People 's Bank on XXXX different occasions. They will not respond with anything of substance. I only received 2 letters saying they will investigate but then no investigation results. I have disputed with the credit bureaus many times, each time the credit bureaus report that People 's Bank has responded that the account is accurate. 

I requested documentation about the " alleged '' late payments. I requested copies of statements and payment records but they refuse to send them to me. 
The issue is that they are reporting different late payments to different credit bureaus. Because they are conflicting information there is no way for it to be accurate. If XXXX bureau has accurate information then the other bureau which has conflicting information must be inaccurate. They refuse to investigate or provide any documentation to me. My first request was made under the authority of Section XXXX of the fair credit reporting act and was sent certified mail track # XXXX which was received by them on XXXX XXXX, 2015 at XXXX XXXX. 
I am seeking your intervention here to make these people aware that they are not complying with the law. 

Please help me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They approved transactions on my account, causing me to have over - {$600.00} owed to them. Despite freezing my card, calling them to let them know NOT to approve any further transactions and calling the companies I used to pause transactions, the bank continued to allow every transaction to go through. I racked up so much overdraft fees, I ended up having to pay the bank more money because they would not stop these transactions & they added overdraft fees on top of the same overdraft fees. They refused to take them away & once I was able to pay off the money and get the balance to {$0.00}, I closed the account. I shouldve only had to pay about {$200.00}, instead I payed about {$800.00} and that was only on overdraft fees that had racked up.

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 2020-08-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sold a primary residence on XX/XX/XXXX. Net proceeds of {$120000.00} were deposited into a Wells Fargo checking account. The funds showed as being in the account on XX/XX/XXXX but were not showing up on the account XX/XX/XXXX. The bank said it was on hold to verify the funds were actually available. Approximately {$5000.00} will be available on XX/XX/XXXX and the balance on XX/XX/XXXX. In this age of electronic communication why does it take a week to verify?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of XXXX XXXX number XXXX. Feel free to contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX who contacted me on XX/XX/2016 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX I sent email to cash app asking to have my account unlocked I have money on the account I cant use because they locked it not sure why but I submitted request to have unlocked received general email when you request support says I would receive email within 24 hours I heard from them finally on XXXX XXXX asking for additional information to help me with the account I sent all required information asked back to them eight minutes after I received email and I still have not heard anything yet and today is XX/XX/2020 I just want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.

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 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I logged in to check my transunion credit report on XXXX XXXX and all of my inquiries were deleted, upon checking my credit report again on XXXX XXXX i see the inquiries have been added back to my report without my knowledge and has caused my score to drop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to do a temporary lift of freeze of my equifax credit report either online or via the automated phone system. The only way I can do a temporary lift has been to call the credit freeze department and they will offer to manual do this themselves for me, but they are unable to help me make the online system or phone system work when I try to use these systems. I do not want to have to contact the credit freeze department each time I need to do a temporary lift of my credit freeze, because they have made mistakes when they have done this service for me in the past. Also, their service is only available during normal business hours and not XXXX. Lastly, according to law, I should have the option of lifting my security freeze via phone automated system or via the online system. 

Please note I have done numerous things to solve the problem including calls to equifax corporate office XXXX ; Calls to the credit freeze department XXXX, calls to the consumer service office XXXX, calls to the equifax complaints office XXXX, and numerous other numbers. I have spend hours on the line without receiving effective help.

Company response to consumer: Closed with explanation