BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB, I am writing to dispute the following information that XXXX XXXX XXXX and XXXX XXXX  supplied to Experian, XXXX, and XXXX. I have attached the item I dispute on the attached copy of my credit report ( s ). 

This item XXXX XXXX XXXX is inaccurate because this account was paid in full, and the equipment was returned to the company am requesting that XXXX XXXX XXXX have the item removed. 

I contacted Experian several times to try to get assistance from them and was not successful. They responded that they had submitted all the documents to XXXX XXXX  and when I spoke to XXXX XXXX and notified me that they didn't receive anything from Experian. ( I have attached a screenshot of how many times I submitted the dispute without resolution. ) I contacted XXXX  XXXX  and notified them that the debit of XXXX dollars was invalid because I returned the equipment, and the account was paid in full. They responded that this was not for equipment its for an unpaid bill. I asked them several times to send me proof of nonpayment, and they refused to do so. 

I contacted XXXX XXXX XXXX and spoke to several representatives, and when they looked into the account and verified that the equipment was returned and that it was paid in full but didn't want to do anything about it. 

I also have attached an email from a different debt collector where they attempted to put in collections for the same account but dropped it because they investigated the account and found that I did return the equipment and paid in full. 

I will be attaching what I have sent to Experian. 

Best Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: TX
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:
On XXXX XXXX, 2022 I contacted XXXX 's fraud department to report the address on XXXX XXXX, XXXX TXas incorrect. The woman from XXXX, refused to have it disputed because it is an address that a creditor, XXXX Bank for a XXXX Credit Card ) submitted. She explained that her job is to report what the creditor tells her and that XXXX does not work for the consumer. Whatever information the creditor gives XXXX is what XXXX will report. 


I have never lived in XXXX Texas but XXXX Refuses to remove it I have submitted a dispute for this XXXX  Account Every month for the past 5 months and XXXX will not remove it. I have a letter from XXXX Explaining that this account will not affect me or show up on my report but XXXX continues to report it. 


How can I hold XXXX accountable when their employees are confirming they will only submit what the creditor says?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
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 # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have violated my rights. 

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

15 USC 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My Transunion report shows a hard inquiry from XXXX XXXX on my credit report on XX/XX/2023. I contacted Transunion several times to request that the unauthorized inquiry to be removed. XXXX XXXX sent two letters one on XX/XX/XXXX and the other letter was send on XX/XX/2023 I sent the letter from XX/XX/2023 from XXXX XXXX to Transunion and the inquiry continues to remain on my file. 

Attached are the two letters from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 Someone made an attempt to apply and open a Target Credit Card in name. Target called me and left me a detail message. I followed up with Target and a fraudulent store card was opened in my name, without my consent. Target advise me to follow up and make a complaint on this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: MoneyLion Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The company, MoneyLion is trying to say that I didn't pay an instacash repayment from XXXX WHEN MY MONEY WAS STOLEN. 

And took money from me unrightfully today and is trying to take more to " pay back '' something on my account I was never notified about, couldn't see on the app or website as an overdue balance until today, and regardless it is false. You can see clearly I paid back my instacash in XXXX for XXXX and XXXX and also paid everything in XXXX, XXXX, XXXX and in the current month And the app does not let you continue to use XXXX  until you pay back ALL you advances. 

This is predatory when I was a victim of theft and simply wanted my money back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2022-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2023 I noticed that my auto pay that I set up again for the XXXX time still did not set up. I was sure it was set up because I had spoken to an agent this time that explained since me and my girl friend at the time both had accounts the system wouldn't allow us both to use the same card for auto pay. 

So i thought we squared it away and it was on auto pay. I wrote a letter to the company this time when to my surprise the auto pay was still not on!! and my payment had to be manually made due to their system. 

So Again I followed up and this time the representative said that he can find any communication on my account ever!! He said that there agents sometimes make notations under the phone number instead of the account so my account has no notations so they wouldnt be able to pull that call, and fix the thing Ive been dealing with all year! 

You can see that that until this happened for XXXX years there were no problems I dont believe this account was ever late as it was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX  reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX  and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Starting from XX/XX/23, I received several emails from Chime about my account is waiting and creating a password while I never opened an account with Chime. I thought it was a fraud case and contacted Chime. I was told someone will follow up with me but never heard anything back. I received another email about my chime acct so I contacted Chime again to report thia fraud case. Was told by the agent on the phone to contact the support email, which I did. But I got two additional email responses from Chime about how to reset my password instead of addressing the fraud. At this point, I suspect chime doesnt want to close the account and stop the fraud or even opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have 2credit cards that i enrolled in XXXX XXXX an extra safe back up if I was having difficulty making payments on my cards. I paided an additional monthly fee on the cards for this feature. I attempted to contact XXXX  or XXXX and credit cards about my issue no one will help me and I can not get in touch with any one at XXXX. the credit cards are with XXXX and Victoria secrete and are both managed by Comenity. my cards are now in default and reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A fraudulent set of 3 ach transactions were debited from my account on XXXX The amount was {$28000.00}. The fraud was detected immediately while the transactions were on hold and still processing. 

The ach transactions should be easy to recover because there were to XXXX XXXX, XXXX XXXX, and XXXX 

Bank of America debited these ach transactions refuses to credit these transactions to iur account for 90 days. 

These funds are needed to make payroll this friday for my employees. This Frida is also the date of the company 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 2022-06-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have mailed Experian a letter of my intent to sue regarding the bankruptcy on my credit report that they uses XXXX XXXX as their furnisher. My letter of intent to sue was mailed via USPS with tracking # XXXX. Not only did I supply Experian with the XXXX XXXX results showing the bankruptcies came back unverifiable. On the XXXX XXXX results page, that I have already sent, is a website and passcode to pull my most recent XXXX XXXX Report where you can scroll down to the bankruptcy section and see that it has been removed. XXXX XXXX is no longer a furnisher of bankruptcies regarding my self. I also received a letter from the courthouse stating they do not furnish any information to ANY CREDIT AGENCY. Unfortunately the XXXX XXXX report is too large to upload to the CFPB

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 2022-06-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with their Verification method to verify said accounts.

In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo investigated a missing payment from their remediation program in the amount of {$5100.00}, an affidavit signed, their treasury management fraud claims team was unable to recover funds from cashing bank, XXXX. The claim was denied according to XXXX XXXX, claim rep for mediation. As explained in numerous prior CFPB complaints in re, the check in amount of {$5100.00} was sent to my old address after I moved, intercepted and cashed by another party.. The address was not verified before sending, an error on end of Wells Fargo. This was also explained in prior CFPB complaints, Wells Fargo reps refer to checks as cashed, even though fraudulently. Further, there is an unresolved issue pertaining to IRS reporting of payment, a 1099 form showing amount reported to IRS for tax year 2020. Wells Fargo refuses to correct reporting information and or reissue payment. To date, I have not received corrected 1099 form or check in amount of {$5100.00}. Their reply regarding this issue includes referring me to a tax professional, in which case, the professional advised Wells Fargo would need to correct the form or simply reissue payment.

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 2022-08-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Earlier this year I opened a complaint against USAA with the CFPB. Complaint number XXXX. I was notified by email on the XXXX of XX/XX/2022 that i would be contacted by XXXX XXXX XXXX regarding the resolution by USAA. On the XXXX XXXX XXXX called me approximately XXXX or XXXX minutes after XXXX central time. I was informed that I would be receiving a reimbursement for the fraudulently endorsed and deposited checks, totaling {$2200.00}, and that it would post to my savings account within XXXX business days. I called XXXX XXXX and USAA again the XXXX of XXXX recieving conflicting information from the bank 's representatives. Some said that i was getting nothing and to forget matter. Others when shown the answer from USAA to the CFPB stating that they were going to reimburse me as i had obviously never seen nor signed nor had anything to do with the checks that were stolen and fraudulently endorsed and deposited by my estranged wife and her family. I am now being told by USAA that I am not going to be receiving any money for the fraudulent check endorsements and deposits. Despite them telling me and the CFPB they are making me whole they are infact trying to make themselves look good and then reversing their decision in the most dishonorable and dishonest way imaginable. They are already 5 days past due with the deposit i was notified would be no later than the XXXX. As a result of their failure to keep their word i have been rendered homeless and my phone is cut off. I have expended an additional $ XXXX in moving and lodging expenses because of their shameful and dishonest actions involving my reimbursement. I wish them to make good on their stated intention to reimburse me the {$2200.00} as well as the other moneies expended by me resultant to their failure to keep their word.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation