BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
I've formally requested XXXX XXXX to validate and verify the negative account they've reported on my personal credit profile, inclusive of an acknowledged agreement and transaction history detailing the balance calculation. Despite this request, they've declined to provide any documentation validating this account. However, they've reported this unverifiable debt on my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of this year, I began a dispute process with Wells Fargo over a charge-off account that has been inaccurately reported on my credit report for over a year. I sent out two dispute letters via certified mail, one on XX/XX/23 and another on XX/XX/23, stating that Wells Fargo has not only inaccurately reported this charge-off account, but has also sold the debt to XXXX XXXX XXXX  and XXXX XXXX without informing me. Despite providing them with all necessary information, including the full account number and documentation from my Wells Fargo online banking portal, they have been unresponsive and uncooperative. They have continued to report the account as if they still own it, even after selling the debt, and have failed to properly address my dispute. In fact, they have sent me letters stating that they do not know which account I am disputing, despite the clear and detailed information provided in my letters. This has been an ongoing issue since XXXX, and despite updating the credit bureaus that the account is in dispute, Wells Fargo has yet to take any meaningful action to resolve the situation. 

This ongoing dispute with Wells Fargo over the inaccurate reporting of a charge-off account has been causing me significant stress and XXXX. I am fearful that this issue will never be resolved, and it has already begun to have a negative impact on my financial situation. Because of the inaccurate reporting, I have experienced credit denials, making it difficult for me to secure the loans and credit I need. This has added to my stress and XXXX, as I am unsure of how to move forward and resolve this issue. I feel helpless and frustrated, and I am concerned that Wells Fargo 's lack of responsiveness and cooperation will continue to hinder my ability to improve my credit and financial standing.

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 2023-05-16
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase bank closed all of my accounts and wont give me a reason why. my partner and i both were targeted by this closure. they said they chose to end their banking relationship with us. we are a XXXX couple and don't understand why case would do this because they won't give us any information. we already tried to go to the Office of Comptroller of the Currency, and they suggested we go to you. I would prefer this be handled by my attorney XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of this year, I began a dispute process with Wells Fargo over a charge-off account that has been inaccurately reported on my credit report for over a year. I sent out two dispute letters via certified mail, one on XX/XX/23 and another on XX/XX/23, stating that Wells Fargo has not only inaccurately reported this charge-off account, but has also sold the debt to XXXX XXXX XXXX and XXXX XXXX without informing me. Despite providing them with all necessary information, including the full account number and documentation from my Wells Fargo online banking portal, they have been unresponsive and uncooperative. They have continued to report the account as if they still own it, even after selling the debt, and have failed to properly address my dispute. In fact, they have sent me letters stating that they do not know which account I am disputing, despite the clear and detailed information provided in my letters. This has been an ongoing issue since XXXX, and despite updating the credit bureaus that the account is in dispute, Wells Fargo has yet to take any meaningful action to resolve the situation. 

This ongoing dispute with Wells Fargo over the inaccurate reporting of a charge-off account has been causing me significant stress and XXXX. I am fearful that this issue will never be resolved, and it has already begun to have a negative impact on my financial situation. Because of the inaccurate reporting, I have experienced credit denials, making it difficult for me to secure the loans and credit I need. This has added to my stress and XXXX as I am unsure of how to move forward and resolve this issue. I feel helpless and frustrated, and I am concerned that Wells Fargo 's lack of responsiveness and cooperation will continue to hinder my ability to improve my credit and financial standing.

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 2023-10-18
Company: EQUIFAX, 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 VICTIM OF AN IDENTITY THEFT, BACK IN XXXX  SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD WITH XXXX XXXX, THE CHARGES AND THE PAYMENTS MADE ON THIS CARD ARE NOT MINE. I UNDERSTAND THAT THIS IS A PAID IN FULL CLOSED ACCOUNT, BUT BECAUSE THIS IS A FRAUDULENT ACCOUNT I JUST DONT WANT IT TO BE ON MY CREDIT REPORT. LAST PERSON I SPOKE WITH WAS A REPRESENTATIVE AT XXXX XXXX  XXXX ( XXXX ) AND I EXPLAINED IN DETAIL HOW THIS CARD WAS OPEND FRAUDULENTLY, SHE WAS KIND TO PUT NOTES IN DETAIL AND STILL NO RESOLUTION, AGAIN I UNDERSTAND ITS A PAID IN FULL ACCOUNT AND ITS CLOSED BUT I JUST DONT WANT IT TO BE ON MY CREDIT REPORT. 3 TIMES I HAVE FAXED OVER MY IDENTITY THEFT REPORT TO THEM AS WELL AT THE NUMBER PROVIDED BY XXXX XXXX  ( XXXX ATTN : FRAUD DEPART.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party.

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party.

The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party.

The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option.

Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party.

I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-23
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$8000.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} {$4800.00} ; XXXX XXXX XXXX : {$8000.00} ; XXXX XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXXXXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2020-07-29
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 XXXX XXXX believes that XXXX XXXX XXXXXXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, XXXX XXXX XXXXXXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX   XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX XXXXXXXX has in essence placed it position as zero, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX  XXXX is violating its subscriber agreement with Experian, XXXX and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
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 2023-08-24
Company: Experian Information Solutions Inc.
State: IN
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 pulled my credit report for experian on XX/XX/23 and noticed inaccurate information. I got no response from them within the 30-day window, Because of that I sent them another dispute on XX/XX/23 letter telling them they must remove the account and also included inaccurate personal information that needed to be removed. Instead of investigating, I got a letter saying that it appeared that the dispute letter came from someone else and that I had to call them to dispute, which I know isn't the law. I sent ANOTHER letter on XX/XX/23 saying that the dispute was, in fact from me, and that they were trying to waste time. Two weeks later, I got ANOTHER LETTER STALLING THE PROCESS. I am giving them one more chance via CFPB to make this right before I file a complaint with the FTC and XXXX ; and if that doesn't work, I have already started looking at consumer attorneys that work on a contingency.

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 2023-02-22
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or around XX/XX/2022, my Citibank credit card number was stolen and fraudulenty used without my permission. Citibank contacted me and informed me that my card had been used in a suspicious manner. I immediately contacted Citibank and disputed the numerous fraudulent out of state charges. After several months of contacting Citibank, they finally agreed to reverse the fraudulent charges that they ( Citibank ) alerted me to. After all of the fraudulent charges had been reversed, I canceled my Citibank credit card due to their lack of appropriate security protections. Citibank then has reversed one of the fraudulent charges, the largest one, yet reversed the numerous and obvious other fraudulent charges, back to my closed account as retaliation for my closing the account. 
I am disputing the entire amount of the fraudulent charge and reporting Citibank for retaliation.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: SC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had no idea I cell phone account through XXXX that was opened in my name in XXXX of XXXX. I've have phone service through XXXX  for several years. I found out about the fraudulent account by logging into my XXXX  account to pay my cable bill one day and saw the cell phone account had 3 months worth of history on it. I have also tried to get in touch with XXXXXXXX representatives to inform I am getting someone else 's bill to my email that is not mine. I am not sure if this is affiliated. However, this is affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 looked at my credit reports and noticed the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account is not reporting correct Equifax data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX.

Company response to consumer: Closed with explanation