BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: PA
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 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 XXXX # XXXX 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 an 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 explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: IN
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-10-23
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Unjustified Billing and Negative Credit Implications Due to XXXX 's Administrative Error XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA, XXXX [ Your Address ] [ City, State, Zip ] [ Email Address ] [ Phone Number ] XX/XX/2023 Dear Sir/Madam, I am writing to lodge a formal complaint against XXXX XXXX concerning a billing error that has since escalated to an unwarranted debt collection action, which might adversely affect my credit rating. The genesis of this issue was an attempt to open an account with XXXX online on [ insert date ], which, due to some unknown hindrance, was not successful. 
During the account setup process, a XXXX agent collected my personal details, including my Date of Birth, Social Security Number, and address. Despite spending nearly two hours online with the agent, the account was not set up. Frustrated, I decided to abort the process and explicitly requested the agent to cease any further attempts to create the account. Surprisingly, I received a bill of {$170.00} from XXXX a few weeks later. 
Upon receiving the bill, I immediately contacted XXXX customer care at XXXX and explained the predicament. They acknowledged an error on their part, assuring me that the matter would be resolved internally and that I should disregard the bill. Despite this assurance, I continued receiving bills from XXXX. Believing that the issue would be rectified soon, I did not follow up until I received a bill from a debt collection agency, CBE Group, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX, with a contact number of XXXX. For reference, the XXXX account number mentioned in the bill is XXXX, and my case reference number with CBE Group is XXXX. 
Now, I am faced with the undue stress of liaising with the debt collection agency to resolve an error that was not of my making. Moreover, there is a looming threat to my credit rating, which, if affected, will lead to higher interest rates on credit, causing me financial loss. 
I kindly urge the Consumer Financial Protection Bureau to investigate this matter and facilitate a resolution that will rectify the erroneous billing, halt the unwarranted debt collection action, and prevent any negative implications on my credit score. 

Thank you for your prompt attention to this serious issue. I am willing to provide further information if needed and look forward to your expedient response. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
Equifax had one of the largest data breach in history. I do not know what accounts, or account numbers were breached. These accounts must be deleted, but I not know which ones they are. You must be a member in order to get this information. 

I have a screen shot proving that Equifax does know that my account and information was breached by Equifax. 

I want all accounts and account numbers to be deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Danco Financial Services, LLC
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:
They pull my credit too many times without my knowledge, I want its deleted from my account, with had negative impact on my account and my life. I want this fix erase and deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
This is a fraudulent account with XXXX XXXX XXXX XXXXXXXX, i make a request for this account validation and XXXX XXXX could not validate this account as mine as FCRA says..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 mail out dispute letters to all three credit bureaus and none of them corrected the information. 
XXXX XXXX XXXX XXXX receives a XXXX dollar payments every month, this is what the company agreed too. And every month they report my account late/derogatory XXXX XXXX XXXX XXXX has this account listed as open but charged off with a balance of XXXX XXXX ) the addresses listed on my with the credit bureau should be XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX All others I would like removed. 
XXXX XXXX XXXX is listed twice along with XXXX XXXX and XXXX XXXX. I disputed these as well and I was told that it was fribilous. 
An according to my rights with fcra I have the right to privacy and the right to have only verified and accurate information on my reports

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 2023-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC reports with accounts and inquiries I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2019 I opened a checking and savings account at Wells Fargo Bank with an opening deposit of a little over {$5000.00}. In XXXX of 2019, when trying to use my debit card it was declined. I checked my account and found multiple suspicious transactions that had posted for that week. I immediately contacted Wells Fargo and reported the fraudulent activity. At the instruction of the Wells Fargo XXXX  team, I went to the Wells Fargo branch where I had opened the account. I sat with my banker and went over all recent transactions that had posted to my account and indicated which ones were not made by me. That information was then submitted to the Wells Fargo XXXX XXXX. Approximately XXXX week later, I received a phone call from the Wells Fargo XXXX XXXX. The agent was quite rude and condescending and informed me that Wells Fargo would not refund the stolen money to me because they believed that it was myself or someone who knew me that had made the transactions. I informed them that I had not made those transactions, nor had I authorized anyone to have access to my account. I even spoke with the agent 's supervisor and was again told that my stolen funds would not be returned. When I asked how they had reached the decision they made, they informed me that XXXX or more of the transactions listed as fraudulent had been made using the chip-enabled debit card assigned to my account. I know this information to be false because I am a XXXX XXXX and was working in Maryland at the time. I opened the account at a branch in Maryland and was issued a temporary debit card ( which did not have a chip in it ). The chip-enabled debit card was mailed to my home in North Carolina XXXX XXXX was still in the sealed envelope it had arrived in. When i confronted the agent and supervisor with this information, they abruptly ended the call. They also did not close the compromised accounts immediately. By leaving the accounts opened, it also compromised my XXXX  XXXX XXXX XXXX account that was linked to the Wells Fargo account. I have made multiple attempts to resolve this issue since that time but have been unable to get anyone from Wells Fargo to help recover my money. As a result of their actions my XXXX  XXXX XXXX accounts were closed and listed as " checking account XXXX ''. Wells Fargo finally closed my checking account with them after it became overdrawn. It is also now listed as closed for " checking account fraud ''.

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 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX  card was used by an unauthorized person. 
Unauthorized opening and charges applied to a new XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
IN XXXX OF XXXX I called up because of some fraudulent activity on my card and found out that they were having issues due to an updated that effected about 1/3 of their members. 

It took months for them to resolve the issue with the fraudlent activity at which time I apparently over paid and was not informed of such until months later as my statements were messed up for months and after my payment my statements were showing XXXX and were until you lost your contract with XXXX. 

In XX/XX/XXXX you removed yourself from my credit report after I asked for you to correct my credit score because of you miss communicating with the credit bureaus because they were also showing incorrect information on what I owed for months since you had no idea. 

As you can see from the attachment this dropped my credit score it also dropped my available which increased my usage percentage. 

This has been a real nightmare and I have already filed one complain on here and they said not their account which is true now but when all the issues happened it was and you need to fix it. 

After my card was compromised in XX/XX/XXXX I never received a replacement card when they lost the account in XX/XX/XXXX. 

The statements in Black and white were obtained by XXXX XXXX from what they obtained from Comenity. The Colored statement is like pervious ones I had received from Comenity not what I received from XXXX XXXX those were completly news to me as I had never seen them before. 

Also Comenity said with the issue with my account I would not be charged interest because they could not take off the fraudulent charges and give me an accurate amount to pay then when they said they figured it out apparently they had not and I did not know or was informed until I was sent a refund check months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally request an investigation into a debt that has been erroneously associated with my identity. This account does not belong to me, and it has been wrongfully affecting my credit history. The unauthorized breach of my identity was committed by an ex-employee, who is responsible for this fraudulent account and transactions. I have reached out to both XXXX XXXX XXXX  XXXX to rectify this situation in accordance with the Fair Credit Reporting Act and my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Timeline of Events. 

XXXX. XX/XX/XXXX : Equifax sent out wrong credit report that effected my credit approval. My score went from XXXX to XXXX for XXXX months ( XXXX XXXX XXXX ) before being fixed. 

XXXX. XX/XX/XXXX XXXX : I had a {$27000.00} credit limit with XXXX  in good standing at a {$0.00} balance. I have never had a late payment or missed payment for any of my credit accounts. XXXX took away over 75 % of my credit line for no reason. They also raised the APR on all three cards ( Dividend, Double Cash, Simplicity ) to almost 29.9 % from 14 %. When I talked to a credit representative they verbally said " My credit was not good and that my income was not enough to have this much of a credit line. '' My credit balances on all my other cards has never changed and I was never delinquent on any bills. After hearing this from XXXX, I demanded a letter in writing stating what they told me and they did in fact send me a letter about this incident. I have the letter in my possession and it states something different than what was verbally told to me. 

XXXX. I have 8 major credit cards ( XXXX, XXXX, XXXX ) with a combined credit line of {$100000.00} with only {$15000.00} balance used at a 15 % utilization. When XXXX took away my credit balance with no notice, it put me over a 20-30 % utilization for all my credit all around. This has caused all other credit cards to stop with APR promo financing, stop giving me a credit balance increase, stop from renting a new apartment, and even stopped me from getting a great rate on a new car. 

XXXX. XXXX has avoided mortgages to minorities in the past, they had a XXXX lawsuit regarding failed oversight on consumer percentage rates, and now we have a proposed class action lawsuit against XXXX and Armenian families in California. I truly believe XXXX either used an algorithm to attack my credit because of the hyphen in my last name ( XXXX ) or XXXX reevaluated my account with a bogus credit report from Equifax. They used the bogus report to take away credit and to raise the APR rate. 

XXXX. I truly feel taken advantage of and did not know what to do for the last two years until I saw the lawsuit regarding the algorithm and Armenian families.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
My information with Equifax has been breached, here is the proof. And they refuse to delete all the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: KEYCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opening account with XXXX XXXX Bank on about XXXX with XXXX accounts checking, saving, then got a letter from Key Bank XXXX XX/XX/XXXX that I reported fraudulent on my account and that is not true, I contacted the bank to resolve the matter and on XXXX XXXX the letter was send stated that my account was not in accordance with Key 's deposit Account Agreement and my account was closed. I reach out to resolve the matter and attempted to get my money back and the representive keep telling me that is under review, today is XX/XX/XXXX no resulted back yet! I would like to get fund bank to utilized everyday expense, How long they can hold one 's finance?

Company response to consumer: Closed with explanation