BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: WI
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:
The XXXX major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXXXXXX XXXX XXXXS XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX XXXX XXXX XXXX XXXXXX/XX/1922 ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX XXXX / XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX # 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 instructions15 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 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 2023-03-07
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called MRS BPO on XX/XX/23 @ XXXX and spoke with a representative that provided me with the CEOs email that I was instructed to send my police report to. Sent the email to the CEO XXXX XXXX at XXXX with the explanation that it was not mine, and have not received a response as of yet and it is out of the allotted, but there are still continuous updates to all three bureaus with no response to me. If there is no response to the prior email sent on XX/XX/23, this is second finding ( 1st is debt is not mine, fraud ) that is grounds for failure to comply to FCRA. Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filed FTC Report because there are inaccurate accounts on my credit report and nobody will help me out.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: MI
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:
complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a Clear Violation Of The Law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. EXPERIAN IS PARROTING INFORMATION WITHOUT ACTULLY DOING AN INVESTGATION. This serves as my last and final attempt to seek justice and have the inaccurate information Promptly Removed from my credit report. Thank you for your prompt attention. I trust that the XXXX  will impartially address this serious issue TO Remove This Account, this is inaccurate information reporting. I DEMAND EXPERIAN TO REMOVE/DELETE THIS ACCOUT FOR CONTINUOUSLY REPORTING INACCURATE INFORMATION. This company has been violating my consumer rights. Below are attached documents of just a few of the ongoing mistakes this company has made and continues to make. I DEMAND THIS ACCOUNT BE DELETED!!!

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 2022-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wrote letters to Equifax on XX/XX/2023 expressing my concern about 2 accounts that have been reporting inaccurately for the entire year. I provided a copy of my credit report, as well as identification. I have spoken with the lender about my actual balance, yet it is still being reported inaccurately after numerous attempts to dispute the account. I requested to have the accounts removed from my credit report as a part of my rights under the FCRA, as there were a significant amount of inaccuracies, some of which are still being reported. This inaccurate reporting by Equifax is effecting my well-being with being able to purchase a home. Equifax updated some of the account information and now one of the accounts is even more inaccurate. The other still has a significantly higher balance than what is actually owed on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
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:
There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).

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 2023-01-04
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:
In EXPERIAN credit report I noticed that I have an account from XXXX XXXX XXXX XXXX ( opened : XXXX XXXX, 2021 ). Previously, I asked this company to provide me a proof that this collection amount belong to me, but they can't provide me nothing because this is not my debt! Also in other credit report company I don't have this FAKE ACCOUNT : XXXX and XXXX. If EXPERIAN can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit, I am single mum and even have a huge problem to rent apartment with that FAKE COLLECTION.

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 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I believe it would only be a fair resolution and one that makes sense. For XXXX XXXX to refund me the money I lost due to their misconduct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I opened a checking account with Apple Bank and deposited {$250.00} cash. 

On XX/XX/2023 I deposited a check. 

On XX/XX/2023 I deposited {$400.00} cash. 

So the only check I deposited ( from Pennsylvania ) was on XX/XX/XXXX. Everything else cash. 

I went to make an online transfer of funds- and there is a hold on {$420.00}. I am unable to access {$420.00} of my money. 

There is NO REASON WHATSOEVER to put a hold on any of my funds. The check cleared a week ago, and everything else I deposited was cash. 

See attached .pdf file, showing my bank account when I log in to Apple Bank website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: OH
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:
I have contacted the company to remove the old account off my report I have a new agreement and dean tthisold agreement off of my report so I can apply for things I need

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 2023-01-05
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We have a manufacturer waiting for a money to be transferred so they can continue the process to manufacture our merchandize. On XX/XX/2023, in a Wells Fargo sucursal sited on XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX we transferred {$10000.00}. 

We open a case here on XX/XX/2023 with case number : XXXX The case was closed but we never receive the money neither the recipient, and we never get a real answer about why the transaction was not executed and all this time the money has been on the cloud, not in our hands and not in the manufacturer hands, we have to pay interest for the money as it was from the line of credit from the same bank account but during all this time money was not actually in use by us, was complete lost. 

We have no other alternative to send the money again and we have no guarantee it will happen again as we were not informed what the issue was so we can't remediate it. 

The Wells Fargo company, after many calls hasn't been able to provide at least a reason for this situation blaming the bank they are using for the transaction, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened a Citibank basic checking account on XX/XX/XXXX, online. When opening this account I funded this account with {$15000.00} from my XXXX  account. The funds cleared my XXXX  account on XX/XX/XXXX. I then received my debit card and registered this on XX/XX/XXXX. At that time ( on XX/XX/XXXX ) I requested an additional {$10000.00} to be transferred from my XXXX  account to Citibank, the same bank that had previously {$15000.00} clear with no issues. The transfer cleared my XXXX  account, with my legal name on XX/XX/XXXX. Starting on XX/XX/XXXX, I was unable to login to my Citibank account and called ( XXXX ) both on XX/XX/XXXX and XX/XX/XXXX in order to resolve this issues. I was told the {$10000.00} was flagged for " fraudelent '' activity, even though this came from the same bank account my original funds came from ( with no issues ). As of XX/XX/XXXX I was told my account was closed and it would take 30-60 days for those funds to be mailed to me via check. Subsequent to that phone call I received a text alert ( even though I could not login to my online checking ) that the {$10000.00} cleared on Citibank with no issues ( on XX/XX/XXXX ). This is an un-acceptable time frame for me to without this large sum of funds. I except a resolution ( checked mailed or funds returned via ACH ) in a timely manner ( less than 15 days ).

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 2021-03-04
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Actions to validate debt for months. no response from the collection company. reporting false inaccurate information 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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