BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
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 recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check at a ATM, normally {$200.00} of the funds are released immediately as I have been a customer of the bank since XXXX. This particular check was for {$5000.00}. It was a personal check from a close friend. I received a message on the morning of XX/XX/XXXX that there is a 10 DAY HOLD on the check. I went to the bank in person at XXXX XXXX XXXX XXXX with the intention of bringing in the person who wrote the check for any " signature verification '' needed, only to find out that I can not speak with a banker, only tellers who were very rude to me and told me there was nothing they could do for me. I was told there a different story that the funds were not collected, but also I could call the Wells XXXX number and get the funds released. Basically, they had no appointments and couldn't issue me one. I was told I would be contacted by the branch to schedule an appointment, which it has been 8 hours and no one has contacted me to schedule that appointment. I then called the XXXX number as I was directed and no one at the XXXX number would assist me. The " manager '' I spoke with basically told me " tough luck '' with the 10 day hold on my check and that there was no one to contact in the department that removes holds. Mind you that this hold is for 10 days. I was given a file number that someone would contact me IN ANOTHER 10 days to help with my issue. So basically, all their bases are covered and this corporation will hold my money for 10 days regardless. The case number is XXXX. That is all the help I am receiving, a lengthy number. Meanwhile the bank will hold my money and collect interest, as I am sure this is yet another Wells scam against its consumers. I also asked the " manager '' who this bank was regulated by and where my complaint could be filed and the manager on the phone refused to give me that information. I had to look this up myself. I know this says this complaint is 60 days out, but this company needs to be held accountable. There are XXXX points on a check and all XXXX points are met, why is " an additional investigation? needed? I dont have the money to file a class action law suit, but I know this practice of holding someone's money for 10 days is illegal.

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 2022-06-26
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XX/XX/2022 Debit Card received in mail from Discover. I do not have any accounts with discover. Called Discover bank and fraud line wait was over 24 hours. I then chose to speak with a Discover bank agent but did not share personal information as I was unable to speak with the fraud division. They were able to identify the account without my personal information and assured me that account would be cancelled/closed and I would receive a letter in 10 business days. My concern is what is required to open a banking account/debit account. Are no forms of ID required? When reviewing credit reports, the account was inquiried on XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-06-07
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 status incorrect

Complaint:
Dear credit reporting Agency I am writing to dispute the following items on my credit report. 
it shows on my report that -XXXX XXXX XXXXXXXX was late for the last payment in the month of XXXX of 2018, This Account has Never been late please remove the Late payment of my 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 2022-09-20
Company: Carter-Young, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Carter-Young Inc of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX seeking to collect a debt of {$4800.00} When I contacted the agency on XX/XX/XXXX they told me I owed this money for dorm fees from XXXX to XX/XX/XXXX at the University of XXXX XXXX XXXX XXXX XXXX. Which I attended for 1 month in XX/XX/XXXX after which I returned home to XXXX. I paid for my dorm room and with drew from the university after 4 weeks but this company is now claiming I must pay for the room for 5 months total. This seems like they are trying to get extra money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: PA
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 credit reporting company and XXXX XXXX XXXXXXXX have argued and yet to fix the problem. XXXXXXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX XXXX Account 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 credit reporting company and XXXX XXXX XXXXXXXX have argued and yet to fix the problem. XXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.

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 2022-06-26
Company: United PanAm Financial Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX UNITED AUTO CREDIT CORPORATION received E.F.T. to setoff & discharge alleged debt for XXXX XXXX XXXX XXXX vehicle. Pursuant to 12 CFR 1026.13 - Billing error resolution. On XX/XX/XXXX, I was scheduled to close on an auto loan transaction with the business entity, UNITED AUTO CREDIT CORPORATION at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. My payment was accepted and successfully added to the ledger/bookkeeping and the account was paid-in full. As of XX/XX/XXXX, the Trustees, UNITED AUTO CREDIT CORPORATION, reopened account and reapplied another alleged debt, and refused to return payment " untouched '' that was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX Affidavit of Fact and Conditional Acceptance was also sent all secured parties involved in this " cash transaction '' .The Trustees have continued and failed to perform their duties as Trustees of the XXXXXXXX XXXX XXXX for XXXX XXXX XXXX. A certificate of live birth ( certificate of title ) is a bond that evidences title held by the XXXX XXXX XXXX ( XXXX ). The issuer has a legal title ; you have an equitable title up until you partner up to share an equitable title with the United States. XXXX creates the XXXX XXXX XXXX which is surety for the Vessel. The Vessel is the body and evidenced on the application by length, weight, and footprints. A body manifested into the sea of commerce. The beneficiary is supposed to be Me, Myself, and I. But the XXXX XXXX XXXX ( XXXX ) is at XXXX XXXX XXXXXXXX XXXX XXXX XXXX and operates both the public and the private side. Under XXXX XXXX XXXX Laws 18 U.S.C. 1964 as corporations may have established a pattern of racketeering activity by using mail to collect an unlawful debt. If proven there is a conspiracy to deprive of property without due process is various constitutional violations under 18 U.S.C.A. 241. Knowledge and neglect to prevent a United States Constitutional wrong. 31 U.S.C. 5118 ( d ) 2 None can ask for payment in a specific coin. 31 U.S.C. 3123 There is no money, so no one can demand payment... the United States will discharge debt dollar for dollar. XXXX : XXXX, XXXX Conditional Acceptance of your Offer of Refusal of Payment-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

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 2023-09-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ulta continues to add late fees and interest to account since XX/XX/2023. 
The balance continues to rise just like you allow other companies to do Since to out to destroy my name have fun because it does not bother me let it stay on my name. 
You are not going to help anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
MONTH EXPIRATION DATE OF THE DEBIT PREPAID MASTER CARD ACCOUNT IS OLIGARCH XXXX XXXX XXXX BREACHES FORGER WIRE FRAUD FEDERAL ACT OBSTRUCTION OF JUSTICE ANTITRUST LAW TROJAN HORSE COSPIRATORS PURJURY R.I.C.O. ACT 1970 SYSTEMATIC XXXX DISPARITIES APARTHEID COLLUDE-COLLUSION ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX XXXX to get a Car and they told me that they ( XXXX XXXX XXXX ) would run my credit for the Car I chose, instead they gave my information to 8 or 9 different Banks and Credit unions to run my credit. I did not authorize them to give my information to third parties. There actions caused a lot of hard inquires on my credit report, which dramatically affected my credit score. The names of the companies are : 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 2022-11-29
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 2023-09-13
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting.

Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I tried applying for a car and the dealership mentioned only applying for XXXX XXXX XXXX. 

These companies listed were not authorized to be applied to : 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 non-monetary relief
Consumer complaint received 2022-06-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I tried applying for a car and the dealership mentioned only applying for XXXX XXXX XXXX. 

These companies listed were not authorized to be applied to : 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 2022-06-26
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out a small loan in XXXX after a car accident that I was not at fault but it prevented me from working ; the loan company NC Financial Solutions stated that I would be able to pay back this amount overtime inurnments. During my signee I went into detail about a legal tort that I already had in place with XXXXXXXX XXXX XXXX XXXX  service and how'd be paying them back with these funds. Things changed and in XXXX Net Credit aggressively go involved with that tort nd in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX  XXXX served me with legal papers filed in XXXX XXXX. They paper work made it seem as though this debit was clear and when I finally got paid out from the XXXXXXXX XXXX XXXXXXXX it was substantially less because it was the remaining funds. 

Now, I'm getting new letters from lawyers saying that NC Financial Solutions of XXXX, XXXX is now getting XXXX XXXX, XXXX to file a law suit against me in XXXX XXXX. Surely, thus has to be double dipping. Thank you kindly for your attention and time regarding this matter. Shalom Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation