BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 have been trying to get in contact with these companies that claim that i am in debt to them to tell them that the debt is not mine. i have sent in many documents stating the obvious errors concluding the inaccuracies of the account. i have noticed this for quite some time and the information is incomplete. it has taken a toll on me financially. My lawyer has been notified to stop the company from contacting me and i kindly demand your quick response and to remove these accounts from my reports ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXXXXXX XXXX XXXX was open due to fraudulently using my information, my information was exposed in a data breach by XXXX, I want this account removed from my credit report, I am a victim of identity theft, Im filing this complaint with the CFPB to have account removed I do not want no fraud alert, all my information was compromised, my social security number and my drivers license information, I do have a ftc identity theft report filed and I will attached to this complaint

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 

NAME OF ACCOUNT : SYNCB/PPC ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 


If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.

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 2020-03-30
Company: Experian Information Solutions 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:
The same reported issues with Experian reporting and information. I have addresses on my report that I have never resided in. One address is a vacant lot, obviously used to attempt accounts setup in my name. 

** Experian would not update On XX/XX/20 an update ( reported by XXXX ) to my Experian account a balance decrease of {$620.00}, no increase to my score a 12 % utilization to 0 On XX/XX/20 same ( reported by XXXX ) reports an increase of {$14.00} to my balance and Experian reports a 6 point drop in my credit score a 0 utilization to 1 % on this card No other agency reported a drop, Experian needs and should be investigated this smells bad this is not fair reporting does not appear Experian is doing the right thing for consumers Do the math .. .bad business and should be investigated

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 2021-09-24
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank transferred by Health Care Savings Account Optum with no prior notification to me of doing so. I have $ XXXX that is basically missing with no knowledge of how to access these funds or ability to verify the funds are still in my name. 

The funds were removed from my XXXX on XXXX and I noticed on XXXX a XXXX balance in my online account. I acknowledge that when contacting Wells Fargo, they have a recording notifying customers of this transfer, however this is the first I heard of it and I did not have the ability to opt out of this transfer to choose an alternative source to manage 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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2019-12-02
Company: United Revenue Corporation
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I sent a certified letter to United Revenue Corp. requesting all data pertaining to my " alleged '' account.This was the first communication with them, the have not spoken to me or sent me any other communication prior to me sending them a debt validation letter ( which I did in response to them filling on my credit ).

They received it on XX/XX/2019. The Company responded with a letter which was dated XX/XX/XXXX, It arrived on XX/XX/XXXX.

Contained in this letter is no other information validating me other than my name, simply printing my name of a letter is not a debt validation.

Failing to provide required written notices, time frames, validations, among a litany of other violations are the trade mark of this organization. Below are the codes they have violated in my state. Cease now and expunge my record from your system or legal recourse will follow.

Sec. 392.202. ( b ) ( 1 ) ( 2 ), ( c ) ( 1 ) ( 2 ), ( d ) ( 1 ) ( 2 ) ( 3 ) ( Texas Finance Code ) Sec. 392.304. ( 4 ) ( 5 ) ( 8 ) Sec. 392.307. ( e ) ( 1 ), ( f ) Sec. 20.06. ( f ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( Business commerce code texas ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continually receive calls from XXXX which shows as " HSBC XXXX XXXX '' requesting to speak to somebody who i do not know and is not at my phone number, i have had this same phone number for 5 years. i ask the person to identify where they are calling from and they refuse to do so. I ask specifically if they are calling from XXXX XXXX and they say no, it is a personal business business matter for the person they are trying to reach. i explain the person is not at this number, never has been and ask them not to call, but they keep calling. at least 10 times in past week,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX WestlakeFinancial.com This business appears to have an ongoing practice of not releasing titles in a timely manner. I paid off my loan on XX/XX/XXXX ( one month ago ) and they have not released the title electronically to the TX DMV. I have called, emailed on numerous occasions. Multiple customer service agents have told me a different story every time ( it's on hold because of the address (? ) ; it's been released ; it's supposed to arrive XX/XX/XXXX, etc., etc. ). The title department does not answer or return emails or calls. One of the many customer service agents I spoke to informed me that even THEY could not get in touch with the title department. I have researched this and it appears to be a systemic practice for the company.

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 2019-03-09
Company: LEXISNEXIS
State: AZ
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:
XXXX  continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, lexis nexus, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions 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:
remove the FTC violations attached are the violations att : XXXX XXXX XXXX to Pay {$60.00} XXXX to Resolve FTC Allegations It Misled Consumers with Unlimited Data Promises

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 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I let someone deposit a stimulus check into my bank account. I wasn't aware of the check closing my account because I thought the check was valid, even though it didn't have my name on it I thought since it was a legit check it would go through, which it did. The check deposited instant and I gave this person my card to get their money off and never seen them again. So, a few days after this I was trying to login on my mobile app and wasn't able to do so. Once I spoke with someone, they let me know the account was closed and, in the negatives, due to the check not being valid. So, I've been without a bank up until now. After, I got the funds I went into Bank of America, and they told me to call these people to get instructions on how to get a balance off an old account. I paid {$1200.00} on XX/XX/XXXX. The man told me I should be good to go apply to another bank once the payment is processed but, I wouldn't be able to bank with BOA again. So, now I've been trying to open a new account with XXXX XXXX and can't seem to do so since this is on file. I've received the report, but I didn't see anything stated being fraudulent. And I need this issue resolved because I opened an account and deposited money into my XXXX XXXX  account and received my card. However, I can't login into the account or use my card due to this issue.

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 monetary relief
Consumer complaint received 2015-11-17
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage principle is currently at 77.9 % LTV and trying to terminate PMI with US Bank. Home was purchased XXXX/XXXX/14 and payments are up to date. Multiple attempts to contact US Bank to terminate PMI have not worked but local US Bank mortgage loan officers have stated it will be terminated. However PMI is still being included on my loan statements. 
Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
US Bank, unauthorized, paid a {$470.00} bill via my checking acct bill pay to a different bank and acct #. They acknowledged mistake but their bank is too big without proper leadership to be able to correct their problem - which became mine. My perfect credit rating is now at risk, I ca n't pay the correct biller because US Bank 's bill pay is corrupted. They have no accountability nor proper customer service.

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 2022-04-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company send me a letter stated trying to collect on an alleged debt. I have never done business with this company furthermore I don't believe I owe any debt. This document was sent in a positive amount which misleading and false. This company has failed send me any validation of this allege debt they are attempting to collect. They have violate my right a natural person I am the original creditor and only I can validate a debt and I do not validate any debt. This company has a habit of violating consumer right under the FDCPA

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no response or proof of the Wage Garnishment from the company in the response and the complaint was closed incorrectly. This is getting ridiculous that this copany can lie and say they filed a wage garnishment for a debt that is beyond the statute of limitations and take money illegally and you are not helping. 

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have tried to go through the transunion agency to get inquiries & collections verified & removed under the FCRA Section 609 ( a ) ( 1 ) ( A ), Id now like to file a civil complaint under the 15 USC 1692k

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Just pulled updates of my credit report! I dont see any changes! It makes me worries, because I dont know who is using my personal information. I never applied for it!

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 2022-08-04
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
In XX/XX/XXXX I made an agreement with the company Wells Fargo to pay a settlement amount of money to have the account closed and to stop reporting on my credit report. As of XX/XX/XXXX I received notification that the company is now reporting my account to XXXX as a charge off account and that there have been on time payments made to this account since XX/XX/XXXX. This is inaccurate as the account is closed as paid for the settled amount. The amount I paid for the closing of this account was {$800.00}. This has flagged my report made my credit score decrease on 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 2016-08-27
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed an article today about Bank of Omaha, and their illegal credit card practices. I am so glad you nailed these guys. They basically ruined my life when they added me to my wife 's credit card account. When the strain of the fees and charges broke her, it took me down as well, causing us both to lose our house, bankruptcy, and nearly our marriage. This was about 7 years ago or so. Any discomfort you cause them, know they deserve all of it, and probably a lot more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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:
remove the FTC violations attached are the violations XXXX  : XXXX XXXX XXXX to Pay {$60.00} XXXX to Resolve FTC Allegations It Misled Consumers with Unlimited Data Promises

Company response to consumer: Closed with explanation