BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: OH
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 received a notification on my XXXX XXXX today regarding a new account being added to my credit report. I did not open this account or gave anyone any authorization to open one. 
please remove this fraudulent account from my credit report as it does not belong to me. 

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 2023-09-27
Company: Nelnet, Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX-present Nelnet is claiming Im responsible for loans I never applied for or authorized. Nelnet and XXXX has not done a complete investigation, I filed a police report and filed a complaint with FTC. Look into the IP address, check my signature, I did not take out these loans, benefit nor authorized them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 non-monetary relief
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX  Opened XX/XX/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 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 2023-09-25
Company: Experian Information Solutions Inc.
State: SC
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$430.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$570.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am seeing information on my credit report that is not 100 % accurate. I have called several times and I am unable to speak with a live person, The call will eventually hang up. I am also unable to submit online disputes. Once I try to start a dispute, it will display the message " we're unable to complete your request online ''.

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 2022-06-26
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out through credit report agencies that there was a debt collection agency by the name of REMEX INC that I owe {$250.00}. I do not owe this money and do not know why I I was not informed by REMEX INC about this. I have debts that I owe which are in good standing. The only derogatory that I have is bankruptcy that was filed through XXXX, XXXX Court several years ago and was represented by my lawyer along with myself in attendance. 
I do not know if this is a scam, but I need to have this investigated as my credit score went completely down and I need to have this fixed ASAP. I have put a dispute with XXXX about this. 

Thank you for your diligence to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, i got a letter in the mail that stated a Debt Collecter XXXX  XXXX XXXX known as Mandarich Law Group filed a lawsuit against me. I called that exact same day and worked out an agreement and payment plan with one of the agents there to at Mandarich Law Group to pay {$120.00} until the debt is gone. The agent did say that the first month will be {$88.00} due on the XXXX every month which the first month is paid already and then down the line it will be {$120.00} every month due on the XXXX. 

Mandarich Law Group stated that they also will send an agreement letter to my house overviewing the payment options and payment dates. The agent did mention i would need to sign it and either mail, email or fax to Mandarich Law Group.

The agent also stated once everything is signed and looked over the attorneys at Mandarich Law Group will look it over and stop the lawsuit. 

The amount owed on my account is {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I was the victim of a XXXX scam. My bank is Bank of America. I immediately called them to file a claim. With the scam I ended up losing {$1000.00}. My bank is supposed to have measures against scams like this, but they do not. They told me that they can not give me my money back. I have been with this bank for over 10 years, and they should show a little more loyalty and compassion.

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 2018-05-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While I am on vacation I noticed a debit card purchase that I bought through XXXX  I was issued a recurring payment that stated the funds in the amount of {$84.00} that would be withdrawn from on my account that it was a one time purchase. Upon reviewing my bank statement and seeing this was a recurring payment I first contacted Wells Fargo who basically told me there is nothing they could do to help me because it was a 3rd party charge and basically rushed me off the phone and advised the 3rd party to request a a stop hold, which I did. They advised I contact XXXX or Wells Fargo as the only way I could stop a payment is through them. XXXX was almost impossible to get to get in contact with but I managed. Again advised this was an issue with Wells Fargo and it would be an internal review that would take a look at the claim within 48 business hours and that my checking account could be hit again aand again with automatic debtors on my checking/debit card account until the issue was resolved through Wells Fargo. I contacted Wells Fargo back who seemed very combative and did not wish to positively resolve the issue with a seemingly easy result. The representative was almost argumentative in way I had to say and was told there was nothing he could do but put a freeze on the account and possibly stop the funds from being withdrawn again. POSSIBLY, really! I explained my story over the 2nd and 3rd and 4th members of the management team who only had the same useless explanation. They told me there are 0 guarantees that my money would be refunded if debits again and may have to be reviewed again by other department. Totally unacceptable that I would call and waste several hours of my vacation time to fight with a financial institution about the protection and guarnttee of my money that is deposited into a protected financial account. The only names I was able to retrieve were XXXX XXXX, who forced me into listening to a XXXX   disclosure, followed by XXXX, then XXXX who all seemed to back XXXX b/c he was forced into reading me a disclosure b/c he was forced to to cover his supervisors XXXX, which was used against me whenever I had something to say that I was read a disclosure I never agreed to to listen to! What a joke! I hope you can listen to these calls and teach Wells Fargo employees how to act and be truthful to their customers! Bye, bye Wells Fargo! Hope you all can whip theses guys into shape into being a successful bank again!

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a small side business of XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX. I do 3-4 transaction per year with of avg $ XXXX per transaction. I got a wire from a XXXX XXXX XXXX on XX/XX/XXXX for first time. I dont know the sender, or have any other info about transaction. The amount came and then it was reversed back on XX/XX/XXXX. I called the bank to know what this was, and they replied " user claimed it back by saying it was sent in error ''. Since info came from my bank, I didnt see any reason to do anything else. Per my bank, it was user error so no action needed. On Monday XX/XX/XXXX, my bank closed my business and personnel checking account. They didnt give me any reason except to say " Bank doest see this as good business for them, and they have the right to close my account. '' I opened first complaint in early XXXX through CPFB portal. That complaint was close by CPFB based on BOA standard response that they reserve right to close any account. I am opening new complaint today ( XX/XX/XXXX ) due to lingering account closure. The original transaction was for $ XXXX, and BOA put a hold for $ XXXX. Today ( XX/XX/XXXX ), BOA placed an additional $ XXXX of debit on my account making a total debit of $ XXXX on hold. This whole episode is causing a lot of stress for me. I would like bank to resolve the issue, and close my account and release my pending balance.

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: AL
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 XXXXXXXX Bankruptcy Court docket # XXXX case # 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 2022-06-07
Company: EQUIFAX, INC.
State: PA
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:
Sent multiple letters from XX/XX/XXXX to XX/XX/XXXX specifying accounts I saw on my report that are not mine and erroneous information was not deleted. Got no response at all after XX/XX/XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On or about XX/XX/2022 an invoice was sent from the company I was a vendor for in the amount of {$1000.00} to my XXXX  XXXX XXXX account. I used the service provided by the Square Company. They chose to deactivate my account after what their policy viewed as improper usage of their platform. I was sent an email on XX/XX/XXXX conveying to me that they would hold my money for 90 days after which they would send me an email notifying me that they were releasing the funds to my bank account. The scheduled date of release was XX/XX/2022. I called On the XXXX and lodged a formal inquiry as to where was my money and I was told that I would receive an email which I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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: EQUIFAX, 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: Account information incorrect

Complaint:
This credit company XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting my balances. Outside of the 31 days cycle. My cycle is from the XXXX to the XXXX of every month. Reporting my statement on the XXXX to all the bureaus across the board. This is within the 31 days cycle. But they have reported me to Equifax and other Credit bureau 's within 10 days of the 30 day cycle showing my spending at a higher percentage then it would be at the end of the 31 day cycle. This is happened more than once over the last XXXX months. I've communicated with them on several occasions to see what the problem was. They said that they never report outside of the statements. Got in contact with my credit bureau Equifax they said they would be no reason for Equifax to update anyone 's balance unless creditors reported or requested. XXXX XXXX / XXXX XXXX Act # ... ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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 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 2022-07-28
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from 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 2023-10-10
Company: Bridgecrest Acceptance Corporation
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:
After I paid off my loan, Bridgecrest had told me they had released my title to another creditor XXXX years earlier. They do not have the title and still continued collecting money and didnt tell me that my title was sent to another financial institution. I paid off my car on XX/XX/XXXX for the remaining balance of {$2700.00} but the total was replaced and sent to another financial institution on 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 2022-06-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a complaint with SYCB/Sam 's CLub Dual CC. On XX/XX/XXXX a payment was made made online for {$2000.00}. ( SYCB/Sam 's Club said they didn't receive it. A dispute was opened. Our bank sent a confirmation that the {$2000.00} was paid. It was 3 months until they found the payment. ( charging me interest and late fees on the amount while it was in dispute ) On XX/XX/XXXX, I spoke with a representative and she confirmed they had the payment. I asked her what the remaining balance was. She stated {$390.00}. I paid her online for that amount to pay it off. 
I received an online bill via email on XX/XX/XXXX stating that I have a balance of {$2000.00}. No explanation- just a bill. I called on XX/XX/XXXX to question why I was receiving this {$2000.00} bill. I was told that I was sent an email on XX/XX/XXXX explaining why the {$2000.00} was back on the account. ( after their review ) I did not receive the email and asked the representative to tell me why. She said she didn't know and the details in the email would tell me. She also told me that the dispute had been closed and I would have to open a new one.

I asked her to resend the email which has been 4 hours and I don't have it. The money has come out of our account, plus they have added late fees and interest on the amount. They have this payment and it's very disturbing to deal with this company. My credit score is excellent and my bills are always paid on time. I do not owe this {$2.00} again.

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