BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Despite my multiple written requests, the unverified items : XXXX, XXXX, and multiple unauthorized inquiries from XXXX XXXX to XXXX XXXX, still remain on my credit report in violation of Federal law. In their results of re-investigation, Experian stated, in writing " verified '' that these items are being " reported correctly ''? Experian still has not identified who in their company verified the accuracy of these accounts or how they verified them. Experian 's failure to provide me with verifiable proof required for their company to post the accounts listed above is evidence that it does not exist and therefore is proof that they ca n't properly " Verify '' the accuracy of any of the disputed accounts. Under section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " promptly delete all information which can not be verified. The law states that Experian must be willing and able to produce a document in their files that proves the account ( s ) /inquires belong to me/or they was given permissiable purpose to pull my credit report. Someone must authenticate the documents in my files that was used to verify the disputed information, and to do this they must have 1st hand knowledge of the alleged accounts ( s ) and all that has ever transpired for the alleged account ( s ) /inquiries. Experian has failed to do this after several letters and phone calls.

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 2022-08-29
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:
my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus XXXX and XXXX but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXXXXXX 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 XXXXXXXX* DP OF EDUC : XXXX XXXX : XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus XXXX and TRANSUNION but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Multiple attempts failed by varies means. Just today a lender accessed my file when I am supposed to have a credit security freeze in place. Evidently as meaningless as the fraud alert they lied to you about. I guess lies are ok. Also records posted by creditors incorrect impacting my ability to gain credit due to extremely low score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-03
Company: Grain Technology, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently bought a copy of my credit reports and to my surprise and without my knowledge, there is an account reporting on my credit that does not belong to me. I recently contacted the creditor Grain, and they could not verify the debt was mine at all yet it is reporting on my credit report. This account was digitally opened by someone and now it is reflecting negatively on my credit reports. The original creditor can not verify that the account belongs to me and i do not believe i should be penalized for actions i did not commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX says I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ... t XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
PMAB is a collection agency for XXXX XXXX XXXX XXXX. This was filed on bankruptcy and yet it is still on my credit report. They have copies of my discharge date but still are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Auto loan contracts require one to maintain comprehensive and collision physical damage insurance on behalf of the lender throughout the term of the loan. I already had insurance coverage and a shop where repairs could be handled if necessary. Therefore, this additional coverage was neither necessary nor required. However, Santander through its third party representative, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) placed XXXX XXXX XXXX insurance on the vehicle in 2013, and I was not made aware of the charge at the time. The additional charges financially harmed me totaling {$2500.00} dollars which was never refunded. I contacted the company and requested cancellation which was approved and was informed that Santander Consumer USA would be responsible for refunding the dollar amount applied to the loan within 8-10 weeks. ( See attached letter ). However, as of this date, I never received anything and it resulted in a high loan payment. Subsequently, I contacted the company and requested that they come and pick the vehicle up and advise me of the date of their arrival. Santander is reporting that the amount was charged off with an incorrect amount in which they doubled to make it show up on my credit report as thou I owe them {$5100.00}. Santander never refunded the {$2500.00} illegally added to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My FICO with experian went down from XXXX to XXXX after they reported a late payment that does not exist wit XXXX XXXX XXXX. I have never had a late payment in my credit history. I tried to do a dispute online, and their site as not working, I called them, and call the with my Experian account in front df me with a open Credit Report as of XX/XX/2022 and the person at the other end tells me that there were no late payments in my report. I explained to him that the decrease in my Credit Report was also showing in MyFico site, and he kept insisting that at his end everything was fine and he could not explain why my Fico Score decreased more that 50 points. As asked to dispute the Negative mark in my report and he told me that he could not do it. So I asked to talk to a supervisor, was put on hold for 30 minutes and no one answered. So no dispute, no late payment in their report, late payment on more and I lost more than 50 points in my CR. I anyone in Charge?

This may have happened because we had a serious car accident, XXXX told us to stop the payments, actually the account shows as CLOSED in my report. ( See attached XXXX XXXX ). When I talked to the they show the account as OPEN????, even though in the report in front of me shows up as CLOSED

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 2019-08-05
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I have tried several times to contact and dispute false debt on my credit report, I have submitted paper work and proof and it is still reporting on my credit which it extremely low because of this. There are XXXX midland collections, they are not mine, XXXX XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a Check for {$5600.00} from Iowa XXXX XXXX, on Thursday XX/XX/22. I went to Bank of America to deposit the check. A banker stated the funds will be available the next day. On Friday the XX/XX/22, I check my mobile bank app from Bank of America, and the funds was not in the account. The bank app stated it was on hold until XX/XX/22. I went to Bank of America thereafter to find out why the check was on hold and didn't clear. A banker by the name of XXXX XXXX, he said it was an unusual amount. I have been a Bank of America customer for over 2 years. I don't understand why my funds have to be put on hold for this length of time.

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 2017-04-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I went into the Wells Fargo Bank at XXXX, GA on XXXX XXXX at around XXXX EST to deposit an overpayment refund check that I received from XXXX for an amount of just over {$3300.00}. This check was written to me using my nickname, in which I showed the bank tellers the card that was associated with the check and also offered to show them account statements and my XXXX mobile account information to verify, match, and authenticate that I was truly the person that was listed on the check. I also offered them my Driver 's License which they did not even acknowledge. I told them I would happily allow them to verifiy my nickname was connected to my legal name by calling XXXX. I also stated to them that XXXX was willing to call the bank manager directly to verbally acknowledge the check #, account number, and name on the check belonged to me and matched with the information on my license. This is something that other financial institutions have done for me and I have never had an issue. But today Wells Fargo decided to have 3 different tellers look at the check I was trying to deposit, and scream across the bank at me that they would not be able to deposit it because it would make my account negative because their back office would not approve it. This was very embarrassing and had everyone in the bank staring at me. Then one of the bank telllers that was not even handling my transaction, and left a customer in the drive thru ( and was just being nosey ), told me that I need to have recurring overpayment checks from XXXX XXXX put in my legal name. I told her this was not a recurring payment that i was receiving from them. She asked me ( while I was standing in the lobby, and she was sitting at the drive thru window ) if the name " XXXX '' on the check was registered with the Secretary of State. She said it in a very condescending tone. She also stated the amount of my check in front of everyone in the bank and said it was too big to deposit which again made everyone in the bank stare at me and made me uncomfortable with everyone knowing how much I was attempting to deposit. This was a breach of my privacy! Where is Wells Fargo 's confidentiality assurance? This is the worst experience I have ever had with everyone in the bank now knowing how much my check was written for and knowing what institution it was written from. All of the tellers ( except for the man ) were rude to me and did not even greet me when I came in the door. My privacy was compromised and they did not even call a manager/bank specialist over to try and privately handle this situation.

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 2017-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
I had a Bank of America ( B of A ) credit card and the account was " closed with a XXXX balance '' per the letter dated XX/XX/XXXX, 2011 that I received from B of A. However, B of A reported this account as a " charge off '' to all XXXX credit bureaus and I had disputed last year and this negative reporting was removed by B of A and my credit score went back to over XXXX where it should be. I just discovered last week that B of A reported this same account as a " charge off '' again ( even though B of A had removed this last year ) to all XXXX credit bureaus and now my credit score and my business have suffered due to my credit score dipping to below XXXX. PLEASE HELP!! Thank you so much in advance. 
Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello My name is XXXX I am filing a complaint against CASHAPP on XX/XX/XXXX I sent {$270.00} dollars from my cash app account to my other cash app account that I no longer have access to by mistake i try to cancel the transaction but was unable to. I immediately contacted cash app support and they said they would try and let me gain access to my account I answered All questions and they can clearly see it is my name on both accounts and they denied me access to my own funds I have tried this over 20 times with o help at all I even went to find my debit card number which was an hour drive away to a bank I no longer have and entered it in the cashapp log in and they denied me access once again I need to get my money back because I work hard to earn my money it is not free or given to me I jave all conversations by email and dates I have contacted them which is on a weekly basis and two or three times a week since XX/XX/XXXX This is unacceptable and deceptive of the company that states they can help especially being able to verify all my information address and everything with my current account, as if they are going to steal my money because what will it do just sit there in an account that is not being used

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to gas station to get gas my card kept saying declined I called bank of America and went to the bank all they said was they closed my account. They didn't give me a reason. I have XXXX dollars in it and a direct deposit check. They won't give my money I need my money I can't get gas to go to work or get food this is a big inconvenience and it's frustrating they closed my account for no reason!

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 2022-08-29
Company: Global Lending Services LLC
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Im trying to voluntary resign the car because I move to XXXX XXXX and the bank didnt let me take the car with me. 

I make the calls every week since XX/XX/XXXX and we are on XXXX they pass my to different levels of employees and no one can resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During an emergency room visit to XXXX XXXX XXXX for a medical issue I told the hospital doctor and intake nurse I had NO medical insurance. I signed the forms to that effect and they indicated the bill would be sent to XXXX XXXXXXXX. I left and didnt hear anything until months later when the hospital sent the bill to me demanding payment. I called immediately to patient billing and explained forms were signed and the hospital staff were to send to XXXX. They never followed up and time passed and they never returned my calls to follow up. I dispute this medical debt- it is not mine the hospital assured me it would be paid by the agency. It was not. I have exhausted all attempts to resolve this issue.

Company response to consumer: Closed with explanation