BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary CAINE AND WEINER IS NOT LICENSED IN MY STATE 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have send certified letters to Cain & Weiner multiple times also credit agencies trans, XXXX, XXXX on XX/XX/2022, XXXX, XX/XX/2022, XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, XXXX and Experian are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

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 2022-09-16
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:
XXXXXXXX XXXX XXXX  account was paid and they are refusing to update my credit report.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

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 2022-09-16
Company: Experian Information Solutions Inc.
State: CA
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:
I will start off by saying I have perfect credit. I am trying to open a XXXX XXXX with a local credit union. The bank ran my credit and it is frozen through Experian. When I went onto the Experian website I was unable to login. I was able to reset my password but their was a security feature that wanted to send a message to one of my OLD phone numbers. Because of this I could not log in. When I call them it is absolutely impossible to reach anyone. They send me back to their website. Their website sends me to their phone number. Its circular and there are no humans available. So now, I cant invest my money. Experian needs to be shut down.

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 2022-09-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
As I was browsing the Victoria 's Secret website, an offer for a pre-approved mastercard popped up. I accepted the offer. Today, the card came and it is a store card - not a mastercard. I have cancelled the card. This is a bait and switch to deceive people into accepting a store card that they do not want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking and savings account with Discover Bank at the beginning of XX/XX/2022. A week later after I opened the accounts ( around XX/XX/XXXX ), I receive an email saying my account was closed due to a business decision so I then tried to login to the app and website and got an error message saying that the accounts were suspended and I needed to call their Discover Bank phone line. I did that, and they told me that I needed to wait a full 60 days from the date that the account was closed before they could begin processing a check so I did that. It is now Friday, XX/XX/XXXX and I called them back and turns out they can not process my check until they verify my identity by me uploading an image of my drivers license to their online file service. I did this, but it seems like every time I call them I get different answers on how long to wait, what needs to be done, etc and I just would like my money back soon because I am currently broke and depend on that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/23 I submitted a CFPB Report ( # XXXX ) My complaint against Equifax was Exercising my Federally Protected Consumer Law Rights which included : 15 USC 1681, 15 USC 1681 sec 602A , 15 USC 1681 604A sec 2 , 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ) ( see Consumer Law definitions ) Equifax received the CFPB complaint & sent a letter requesting Identifying Documents ( Driver License, SS card, Bank Statement, W2 Form ) in order to process my complaint, which was Specifically Noted to " Delete Listed Accounts '' violating my Federally Protected Consumer Law Rights. I sent all requested documents to Equifax via Registered Return Receipt Mail & All signed and included documents were Notarized ( see attachments of receipts ) Equifax in defiance of my Complaint and Federal Law, processed my complaint as a " DISPUTE '' which they have repeatedly done on Every Subsequent Request and Failed to Provide ; " Paper Documentation with wet signatures on contract or other forms which I Requested Method of Verification or Validation ''. Equifax then sent a response letter dated XXXX XXXX to me stating " We Were Unable to Locate your Credit File '' ( see attached letter ) However, Equifax was able to Verify said " Disputed Accts, Update my Credit report and send me a Copy! ..Equifax continues to Violate my Rights and lies about my Credit File not Found in order to Subvert Complying with Federal Law. I herby am Declaring Identity Theft as Reported to FTC ( see attached Report # XXXX ) due to Equifax Blatantly Violating Federal Law under Permissible Purpose 15 USC codes defined above, which states clearly " A Reporting Agency Can Not Furnish an Account Without My Written Instructions '' The Following Accounts violate this clause : The XXXX XXXX Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX  acct # XXXX Also Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Now this again is Not a Dispute-Not open for Debate..This is Federal Consumer Law and Reported as Fraud to the FTC. According to Law Equifax has 4 days from receipt of this Complaint with Attached FTC Identity Report # XXXX ( See attached ) I would Expect CFPB to Protect My Federally Protected Rights and Not Allow Equifax to Subvert Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX LOT XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX SC XXXX ; Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00}.

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 explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother passed away in XXXX of XXXX, and a life insurance check dated XX/XX/XXXX  ( # XXXX {$10000.00} ) for policy # XXXX was issued by XXXX XXXX on XX/XX/XXXX  and deposited on XX/XX/2016. The check was stolen from the mail and was subsequently cashed fraudulently by Wells Fargo, due to a mobile deposit and a checking account opened by someone unauthorized. XXXX XXXX Identify theft. The person ( s ) who stole the check was possibly a tenant paying rent at my residence. I believe they also stole my drivers license and used it to open an account in my name, and then mobile deposited the life insurance check for which i was the beneficiary. I have contacted Wells Fargo and received a response, however they are unable to provide reimbursement for a check that was fraudulently negotiated. Wells Fargo states that reimbursement lies solely on the issuer of the check XXXX XXXX XXXX XXXX XXXX. Ive contacted XXXX XXXX via telephone but never recieved any response in resolving this matter. In the telephone call with XXXX XXXX I was told by XXXX XXXX that Wells Fargo was at fault and that they would have to reimburse since they were negligent. In other words both the issuer of the check and the bank that cashed the check are refusing to help. At the time said check was stolen, and subsequently negotiated fraudulently, i was XXXX. The check was my mothers life insurance check and i the beneficiary. Because i was XXXX  i was unable to pursue any sort of action. In fact i learned of this when i recieved a copy of the cashed check while XXXX. My only recourse it seems is to hire a civil litigation lawyer and sue either one or both parties aforementioned, unless there is another way of which i can resolve this matter. I lost my mothers home because the money from the life insurance policy was to pay the mortgage while i was 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 2023-06-27
Company: EQUIFAX, 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:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX XXXX, I transferred {$30000.00} from my Bank of America checking account into my savings acct online, but I accidentally transferred it into my Visa Rewards Signature Account instead. I immediately called ( XXXX ) to have this fixed and was told over the phone that we had to wait until it was posted for it to be returned. I called on XXXX as it had been posted and spoke with XXXX who informed me it would take 3-5 days for it to be returned as they had to ensure it wasn't fraud money. I gave them more days than that. On XXXX I called back because I still hadn't received my money back into my acct. I spoke with XXXX and he stated up to 10 days from right then as the process had to start over since I was making the request again to have the money replaced back into my account. On XXXX, still no money, I spoke with XXXX and XXXX and am now told up to 48 hrs for the money to be returned. It is now XXXX and my {$30000.00} has not been returned to my account. I had a XXXX balance on my card so there has been a credit for {$30000.00} for over a month now that they will not return. I have called again today and am waiting for the XXXX XXXX XXXX to call me back - his name is XXXX XXXX. If it was reveresed and I owed them {$30000.00} I would have to pay significant amounts of interest. This is fraud as they are making money off my error that I tried to rectify immediately. This is in violation of the CFPB 's 1026.11 regulation

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 2023-03-15
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MD
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 tried to purchase a new vehicle and because of a false collection and fraudulent inquiries on my credit report I was demo. I have reached out to all three credit agencies about removing the said collection and hard inquiries but the these items still exist on my credit report

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 2023-06-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ), XXXX  XXXX ( Account # XXXX ), and XXXX XXXX Account # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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 2023-03-15
Company: EQUIFAX, INC.
State: AR
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 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 items 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 items : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$420.00} ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance {$420.00} Opened XX/XX/XXXX Balance {$420.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation