BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX Alleged- XX/XX/XXXX / Amount- {$360.00} / XXXX XXXX XXXX/ XXXX XXXX XXXX {$720.00} / XXXX XXXX XXXX Amount- {$500.00} / XXXX XXXX Enforcement / Amount- {$17000.00} XXXX opened- XXXX / XXXX XXXX XXXX /Amount- {$3300.00} XXXX opened- XXXX / XXXX XXXX XXXX- Amount- {$12000.00} /Date opened/ XXXX / XXXX XXXX XXXX opened/ XXXX / Amount- {$1200.00} / XXXX XXXX XXXX Date XXXX Amount- {$720.00} XXXX XXXX XXXX System / Date opened - XXXX / Amount- {$630.00} XXXX XXXX XXXX XXXX / Date opened- XXXX / Amount {$410.00} / XXXX XXXX XXXX Cease And Desist, Harassment, Trademark/Copyright Infringement Document letters were XXXX XXXX XXXX companies as warning for suing.Please NOTE Statute of limitation for New York State is XXXX years for debt collection, and Supreme court XXXX XXXX XXXX  in XXXX vs. XXXX ( XXXX XXXX. XXXX XXXX ; XXXX, XXXX ; and XXXX, filed XXXX, XXXX ), this court held that the current structure of the administration child support process violates the constitutional constraints on the seperation of powers. In closing permission and proper NOTICE was not given by XXXX XXXX from XXXX reporting agency to act as an authorized user to post alleged disputed information of consumer XXXX XXXX who owns and have legal copyright to the name 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 2023-07-27
Company: Kriya Capital, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is notoriously bad for having their offices not keep, or losing, records of customer payments and resolution when conducted in person. My bill was always paid on time, prior to my moving. I canceled my service 14 days prior to my move this was done through customer service by phone. I returned my equipment- apparently the service wasnt turned off - the office rep in person said she corrected this and my account was taken care of. I owed nothing. Now, theirs is a debt collector that is basically extorting and abusing their ability to negatively impact my credit scores if I dont pay them. This is coercion, they are not XXXX XXXX. I have disputed twice and, after researching their practices, they have a history of this kind of behavior. They should not be rewarded with a livelihood funded by consumers being extorted. I am a XXXX veteran with XXXX and this is very triggering and distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2023-10-09
Company: Experian Information Solutions Inc.
State: NC
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:
Discovered I can not place a FTC report due to reporting, advised to report through CFPB. 
I did not consent nor authorize these companies for any service, at all. 
Called Experian to dispute several hard inquiries listed on my credit 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

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 2023-10-27
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:
Complaint Against Wells Fargo for Mishandling of Unauthorized Withdrawal and Failure to Reimburse.

I am writing to file a formal complaint against Wells Fargo regarding their mishandling of my claim for an unauthorized withdrawal of {$15000.00} and their subsequent failure to reimburse me the full amount of {$32000.00}, which includes the {$17000.00} deposit that was mistakenly processed as a withdrawal. I have requested a copy of the withdrawal slip, which raises further concerns. The slip does not have my full name written, instead, it uses an abbreviation of XXXX XXXX. 
Additionally, my signature is written twice on the withdrawal slip, a perplexing inconsistency. I am at a loss as to what more I can do to rectify this situation. 
On XX/XX/XXXX, I visited my local Wells Fargo branch to deposit {$17000.00} in cash into my account. However, due to an error on the part of Wells Fargo, my deposit was incorrectly processed as a withdrawal of {$15000.00}. This mistake has caused significant financial distress and inconvenience. 
To support my claim, I possess a video recording captured on XX/XX/XXXX that clearly shows me depositing the aforementioned {$17000.00} cash at the designated Wells Fargo XXXX. The video includes a timestamp, location, and date stamp, all of which confirm the legitimacy of my deposit. Upon discovering the error, Ive immediately contacted Wells Fargo 's dispute resolution department to file a claim on XX/XX/XXXX the deposit wasnt showing on banking app available balance.. Ive recently spoken with XXXX, a representative from the corporate office & her supervisor last month in XX/XX/XXXX, who acknowledged the mistake. However, it was disheartening to learn that Wells Fargo claimed they did not have video surveillance footage from XX/XX/XXXX after requesting it over a duration of 3 years, despite my possession of my own conclusive evidence. 
Over the past 3 years, I have diligently followed up with numerous calls and emails to Wells Fargo in an effort to resolve this issue and retrieve my rightful reimbursement of {$32000.00}. 
Despite my persistence, Wells Fargo has failed to take appropriate action or provide any satisfactory explanation for their inaction. 
I kindly request the assistance of CFPB in facilitating a fair resolution to this matter. It is evident that Wells Fargo 's mishandling of my claim and their refusal to reimburse the full amount has caused significant financial hardship and distress. I trust that your intervention will help rectify this situation and ensure that I am rightfully compensated. 
Thank you for your attention to this matter. I look forward to a prompt response and resolution.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed a copy of my credit report and noticed the following information regarding to be in error. The Fair Credit Reporting Act XXXX IS REPORTING A BALANCE THAT IS INCORRECT NOR DO I HAVE KNOWLEDGE OF XXXX XXXX XXXX for {$1500.00}. As of XX/XX/2023 2023

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XXXX XXXXXXXX responded to my request for removal of inaccurate reporting. Their response stated that the account was sold to a company by the name of XXXX XXXX. There is no such company listed on my consumer report, however XXXX is listed on my report as a collection. This account needs to removed as I do not have a debt with XXXX nor do I have an account/debt with XXXX XXXX. XXXX has made false and misleading statements which is a direct violation of 1006.18 CFPB. Also, if the account was sold ( creating a charge off event ), I should have received a 1099C ( I never received one ). When a 1099C is issued, I would have became responsible for income generated by the cancellation of such debt. If I am responsible for the income then that would mean I can't owe a debt and pay taxes on the income of that same debt. It appears that XXXX operates fraudulently and doesn't mind violating consumer laws.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: MN
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:
My credit report is showing late payments on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sending to follow up on my previous complaint regarding errors in my credit reports. I have observed that no deletions have occurred as requested. I am planning to update my credit reports once more within the next 15 days. I am earnestly requesting that the Credit Bureaus promptly remove the following items from my credit reports, as mandated by the FCRA section 605b, which requires Credit Reporting Agencies to remove any items listed on an identity theft report. Items requiring removal within 15 days are as follows : XXXX : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX you furnished an alleged transaction on my TransUnion that you identified as late.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX _________________________________ Without Recourse UCC 1-308

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
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 did not authorize nor consent to the following inquiries being furnished on my consumer reportXXXX XXXX XXXX XXXX, XXXX XXXXl- XXXX, XXXX XXXX XXXX XXXX XXXX- XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-28
Company: Radius Global Solutions LLC
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:
I was reviewing my credit report and didnt realize a charge nor the company so I sent a letter so they can validate the charge, and they sent me a copy of my private personal medical information and dont even know the person nor did business with them they are in violation of the HippA law and I want them stop reporting and try to collect on this debt

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 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good afternoon, I've recently been aware of a remaining bill from XXXX after checking my credit score and saw I had a collection. Almost a year ago, XX/XX/2023 I called XXXX letting them know my circumstances and that I'll have to stop my service. The person I spoke to was able to waive the cancellation fee and told me my balance was clear, I would just have to return my equipment back. It took a little longer due to having to move but once I returned all my equipment, on XX/XX/2023 I called XXXX again where they verified what the workers at the XXXX had communicated to me, which was my account was cleared but to hold onto my receipt in case of issues. Now almost a year later I'm getting billed from XXXX of about {$120.00}. I've tried to reach XXXX countless times through their phone number where I never got ahold of a representative, I tried to use the call back feature but was unable to due to problems logging into my account and I even messaged them on XXXX because I heard we can reach a representative but again was no help. I finally located the headquarters number where I spoke to a representative letting them know I have no problem paying the bill I was just never notified, I wasn't called nor sent an email with these charges and due to moving never got a letter. The representative told me they will try to remove the collections, that they will send me an email but I never received an email and I called Saturday, XX/XX/2023. I received misinformation and was hit with a bill almost a year later with no notice. I would like this bill completed removed from my credit report and will happily pay it if a representative reaches out to me, which again they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a pass due bill for XXXX with citi Bank XXXX XXXX. I have no knowledge of this account and gave nobody permission to open an 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance {$1400.00} ; XXXX  XXXX XXXX Balance {$540.00}.

Company response to consumer: Closed with non-monetary relief