BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX is reporting incorrectly to XXXX and Experian a collection in the amount of {$5100.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) When I contacted the property manager and made payment arrangements, I was told that I would be receiving an itemized bill and that this account would be taken out of collections because I have been making the required monthly payments. This account is still showing up on my credit report as a collection. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

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 2018-08-28
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieved calls froma company called CBE Group attempting to collect a debt from XXXX XXXX. After reviewing my credit report this appears to have been removed and is showing back up on my credit reports. I asked that they no longer call my phone attempting to collect a debt that is not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: SC
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:
After receiving my report from Equifax I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking and savings account at Wells Fargo Bank, using my XXXX Passport, transferring the funds I had in another American financial institution. This year, in XXXX, I received a letter from the bank requiring me to close my bank accounts since I did not have an American address to provide. Well, I have been following all the orientations from the bank, including filling up The Account Closure Request Form, with my signature duly notarized and apostilled, as requested, and with all necessary orientation for the bank to make the domestic wire transfer to my new account I had to open in another American bank. This form was received by Wells Fargo Bank on XX/XX/2022, around XXXX, according to the courier tracking document. Well, I have tried all possible ways on my hands to ask the bank to conclude this domestic wire transfer, such as uncountable phone calls, emails, but for an unknown reason the bank does not proceed with this simple transfer, blocking the money that belongs to me. Despite all this situation described above, I still have been receiving letters from the bank, telling me that I have to close my accounts. I really do not know what else I can do to finish this simple case. Apparently, the bank refuses to make this DOMESTIC wire transfer. Please HELP. I need to use my money, but the bank is keeping it, and, worse, it does not give me any deadline to solve this simple and everyday issue. It seems to be almost an illegal proceeding, since I am the owner of the funds, not Wells Fargo. 
I thank you in advance for your attention and support. 
Regards,

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello. I am a consumer whose rights were violated by XXXX, Transunion, and XXXX. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to XXXX, Transunion, and XXXX on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know XXXX, Transunion, and XXXX received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-08-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit reporting agencies XXXX, Equifax and XXXX refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, XXXX and Equifax. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: AL
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 submitted multiple times to Equifax to remove multiple accounts that are not mine to my knowledge and a result of fraud. Ive sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed a FTC report and also an police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX and XXXX XXXX removed from my credit report or send debt validation of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
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: Was not notified of investigation status or results

Complaint:
XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017.  Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. ****** Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l

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 2022-07-06
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been advised I need to close my account as I am a non US resident I have spent a lot of time and money calling Wells Fargo several times to close my account. I have now taken most of my money out at an ATM and did not have time to go into the bank and spend more time closing the account. The customer service team are no help what so ever XXXX weeks later I am still waiting on my account being closed and I will not be paying a monthly fee for their negligence and incompetence I can not find an email address to send a complaint and I am not spending more wasted time and money calling them again to be ignored I am disgusted at such unacceptable customer service

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 2022-10-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: HYUNDAI CAPITAL AMERICA
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:
Hello Kia Motors Finance is reporting that I missed a payment and I have not missed a payment. 
This dropped my score XXXX points and I need this corrected. I have paid every month, never missed a payment Thanks

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 2022-07-06
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 the Fair Credit Reporting Act XXXX account name XXXX XXXX XXXX- account # XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX XXXX account # - XXXX has violated my rights.

15 U.S.C. 1681section 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit reporting agencies Transunion, XXXX and XXXX  refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, Transunion and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!

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 2017-08-20
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed that on my recent credit report I have several inquiries by the same company, which I have NOT authorized. This is from XXXX XXXX XXXX. Last year I opened a credit card with them but they should not be doing hard pulls on my credit every few months. When calling them I was told that they do soft pulls regularly and that I should n't worry but I told them that they keep doing hard pulls instead. Their response was to go back to the credit agencies and dispute with them, because they do not provide this service.
The following are my hard pulls : - CBNA on XX/XX/XXXX - CBNA on XX/XX/XXXX - CBNA on 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 explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: IL
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:
So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.

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 2022-02-03
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:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2020-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF ID THEFT. I did not open this bank account and I am attaching my FTC report with 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 explanation
Consumer complaint received 2019-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a notice that I am being sued for debt collection by Portfolio Recovery Associates, LLC on a closed/and or charged off amount on a XXXX XXXX  ( XXXX ) credit card and must respond/appear in court in 19 days. I have been XXXX by a judge and only receive XXXX benefits and can not drive to appear in court, Account opened in XX/XX/2010, state of Texas, amount {$1600.00}. Any advice on this matter is appreciated,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BB & T bank unfairly and fraudulently charge my account XXXX dollars in overdraft fees XX/XX/2018 claiming they process 3 Echecks that I'll have written. What bank processes Echecks in less than 15 hours and this 15 hours is the time frame I need the Consumer Financial Protection Bureau to look at, contrary to what this bank would tell you or me BB & T has never processed a Echeck in less than a 15 hours or one day period. I'm asking you the Consumer Financial Protection Bureau to look at BB & T BANK forensically concerning how and who are being charged overdraft fees and their procedures processing Echecks and you would see it's always a 48 hours procedure with BB & T bank. BB & T bank has fraudulently took this XXXX dollars out of my account operating out of the norm of the way they normally do business concerning Echecks and processing them. This is nothing but greed for the soul purposes of showing quarterly profits for BB & T bank and to benefit the shareholder. Example : I have money that should be in my account right now if they were processing Echecks at the end of each business day but that is not the case, any money going in or out of any account with BB & T bank electronically is not going to be processed in no one day. BB & T would tell you or me it's in their bank service agreement. BB & T personally told me the XXXX dollars they took out of my account for overdraft fees is their money and that's the end of the story. Is it fair no it's not.

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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.

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 2022-07-06
Company: Experian Information Solutions 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:
Hello XXXX XXXX XXXX is reporting that I missed a payment and I have not missed a payment. 
This dropped my score XXXX points and I need this corrected. I have paid every month, never missed a payment Thanks

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