BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the XXXX credit card company immediately when I found out that a credit card was issued in my name. I told them it was identity theft/ fraud which they told me they wrote down and would take care of it since it wasn't me. They said they would get rid of the card and I would not be liable cause it was fraud/identity theft. I did this about 2 months ago. They told me not to worry and that the credit card with {$5100.00} would go away cause it is fraud. I was shocked to see that they sent it to collections and on my credit reports as I had already taken care of the situation with them. They told me they reported it as fraud and I was to no longer worry about it.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/2022. I did not authorize such an inquiry and demand that you contact XXXX XXXX XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-02
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company has assigned fraud to my account, i have no knowledge of it and it is not mine.

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 2022-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I walked into a branch of Wells Fargo and attempted to withdraw cash from my checking account. I provided more than one government issued ID, scanned my debit card, confirmed my PIN, confirmed my social security number, phone number, email address, resigned the withdrawal slip, reconfirmed all of the same information with the management and they still would not give me my money. They had to call corporate and I waited for more than one hour to get my money.

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 2022-08-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I have a PayPal account with XXXX dollars on there and they wont let me transfer the funds off claim there was limit placed on my account permanently saying somebody else tried to access my account but never did my email XXXX they opened a case on the XXXX never told me any updated until I called them and they claim they sent a email I just want my funds off this account and nothing to do with them anymore PayPal is the company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover bank account charge Account : XXXX credit card date opened : XX/XX/2019 balanced own : {$830.00} credit limit : XXXX I do not know about these XXXX account somebody use my information to do all of these! 
i call all the credit burreaus to explain to them the same thing they make me lock my credit file and everything cause i had nerver realy pay attention to my credit untill now i will highly appreciate you resolved these issues for me please cause i dont know these account petal credit card status : charge off Date was opened : XX/XX/2019 credit limit : {$1000.00} balanced own : {$1100.00} Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 applied for a loan to purchase a motorcycle and was approved. The dealership submitted the loan documents to the financing company for processing. When an associate at the company processed the loan documents, that employee entered the information for my loan and several other consumers loan incorrectly into the system by adding the information twice. When I noticed the error in XX/XX/2022, I reached out to the dealership, and they followed up with the credit card issuer for the motorcycle. The credit card issuer is the one who confirmed one of their employees entered the information twice for my account and several other consumer accounts. However, instead of correcting the ENTIRE transaction, they merely adjusted the balance on my account, but still reported to all the credit bureaus the higher balance. When I contacted them on XX/XX/2022 to correct the " High Balance '' amount on my credit report, they told me I needed to do that by contacting all three ( XXXX ) credit bureau and then the credit reporting agencies would contact them. The financial institution creating this error ( Kawasaki Credit Card ) should have addressed and corrected this at the time of their initial investigation back in XXXX and not require the consumer to undo their employees error. They did not follow proper protocol to ensure that what they reported on my credit report was " accurate ''. They also seem to be complacent about aiding in getting it corrected and was adamant that " I '' needed to contact the credit bureaus to correct their error. Is this correct protocol/procedure? If so, this is not adhering to the Fair Credit Reporting Act as financial institutions have a " Legal '' responsibility to the consumers to do their due diligence in reporting accurately to consumer credit profiles. Kawasaki Credit Card managed through Citibank did not do this regarding a known error they created and as such is not compliant with the federal laws. Kawasaki Credit Card did not ensure that what they reported regarding my " high balance '', and potentially other consumer 's high balances, was accurate even after they became aware of the error made by one of their employees.

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 2022-08-24
Company: AmeriCollect
State: WI
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 sent a debt validation letter on XX/XX/2022 and XX/XX/2022 to AmeriCollect Inc and XXXX XXXX XXXX and each time both companies failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: FC HoldCo LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE po box XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact FLAGSHIP CREDIT ACCEPTANCE and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-01-26
Company: EQUIFAX, 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:
XX/XX/XXXX I was notified that my info was breached in the EQUIAX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the EQUIFAX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted. 
I have enclosed FTC AFFIDAVIT to request the erroneous errors be removed. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX {$6200.00} XXXX XXXX {$2100.00} XXXX XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX CARD XX/XX/2022 XXXX-XXXX  XX/XX/2022 XXXX CARD XX/XX/2022 XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX CARD XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX CARD XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
MY CHECKING ACCOUNT WITH TRUIST BANK WAS HIT WITH 6 OVERDRAFT PAYMENTS BASED ON AN ERROR THAT WAS MADE WHEN A POP UP SCREEN CAME UP ON MY ACCOUNT FOR PENDING PAYMENTS.TRUIST WAS THE ONE THAT ALLOWED THIS BILL PAYER TO POST PENDING PAYMENTS ON MY ACCOUNT. AND I NOT REALISING, I HAD AUTHORIZED SUCH TO HAPPEN. I ASKED TRUIST TO STOP THE GENERATING RECURRING ATTEMPTS AND THEY REFUSE TO, AS WELL AS TO REFUSE TO REVERSE ANY OF THE RETURNED ITEM FEES PAYMENTS THAT WAS CHARGED TO MY ACCOUNTS. EARLIER THIS YEAR WHEN SUNTRUST WAS CONVERTING TO TRUIST BANK THEY MADE A BIG ERROR ON MY ACCOUNT BY SENDING BACK PAYMENTS WHEN I HAD MORE THAN ENOUGH MONEY IN ACCOUNT, THEY LATER APOLOGIZED FOR THEIR ERROR AND I DID NOT REQUEST THAT THEY PAY ME FOR THE MONEY CHARGED BY MY BILL PAYER.TO HAVE CHARGES OF {$36.00} WITHIN 2 DAYS OF THE SAME AMOUNT IS UNFAIR AND HAS CAUSED MY OTHER LEGITIMATE PAYMENTS TO BEING RETURNED AND PLACING MY ACCOUNT IN OVERDRAFT.

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 2022-08-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I refinanced the bank stole all the equity I had from years of paying in full and on time. The amount they stole was around {$24000.00}.

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