BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: KY
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. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. ( I did not give my permission ) 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes, which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the date of XX/XX/21 i noticed fraudulant transactions totaling up to XXXX i then filed a claim with wells fargo immediatley after. XX/XX/21 i recieved an email saying my claim was completed so i called wells fargo again after seeing that my momey wasnt deposited back onto my account, and they informed me my claim was denied. They stated that since my pin was used and the chip was read that it all transactions were authorized which os completly inaccurate and XXXX. The card i have still in my position is the card used for transactions but i never used it NOT ONCE plus it was an instant issue card that had NO CHIP. After the 4th person couldnt explain how thats possible and only said at that point with information provided it would stay denied. He told me i can have executive office call me which would tkake 2-10 extra business days. No one is telling me how its possible for trasaction details to say that the card XXXX was XXXX inserted and tapped, or how it shoed chip on there end when the card only swipes.

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 2022-08-20
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:
so for some backstory, I am a XXXX-year-old man that doesn't know how to access my bank account without one of my kids or grandkids helping me. I am on disability and XXXX and spend most of my time with my wife of over 35 years and son who is helping me write this. 

Details : I recently noticed a {$120.00} charge on my account and later showed it to my son, who said it was unusual ; initially, I thought it was a XXXX charge ; I contacted Wells Fargo earlier on XX/XX/XXXX and they refunded the charge on XX/XX/XXXX ; my son and I dug deeper in my account and discovered a charge of XXXX dating back to XX/XX/XXXX and almost every month until my complaint ; We discovered that the organization went by the aliases ( XXXX  ) and ( XXXX XXXX ) and that it is not even located in the same state as me. This organization has stolen over {$2200.00} from my account in total. This is why I am requesting your assistance, as I have submitted a claim to Wells Fargo and they refused and closed my claim on XX/XX/XXXX. 

thank you for listening to me and thank you.

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 2022-08-20
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:
n 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: NV
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:
the credit bureaus have posted old inquiries that have not been deleteed?

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 2022-08-21
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX # 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 an 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 2022-08-20
Company: SinglePoint GI
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I was notified by General Revenue Corporation that they are now trying to collect an outstanding balance from XXXX XXXX University from Fall term 2022 in the amount of {$1300.00}. I have double checked with XXXX XXXX and have confirmed that the amount owing is {$1000.00}. I have disputed the additional amount in collection fees in the amount of {$260.00}. I have contacted the both by phone and email about this issue. Today, XX/XX/2022 I got a huge packet of information from them which went over my entire payment history with XXXX which included information that has nothing to do with the amount in question. I would really like them to stop contacting me about this matter because I will take care of the {$1000.00} owing to XXXX but will definitely not be paying any thing else. I have a meeting with XXXX on XXXX regarding this matter. Again I never disputed the amount owing just do not feel I should be resonsible for their collection costs. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Caribou Financial, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2022 I received final refinance loan documents. These were completed and returned by prepaid FedEx provided on XX/XX/XXXX, XXXX, along with witnessed XXXX XXXX for the transaction and my vehicle title. 

On XX/XX/2022 I was called by the company and they requested that I change my insurance policy name to match my abbreviated name on my NY drivers license. I told them that the NY XXXX has always abbreviated my name because they can't fit my full name on the license. I also told them that my full legal name is on every document associated with this transaction, my license and my insurance have been this way for decades, that their request was completely unreasonable, unnecessary and that we could forget this whole transaction if they pushed this matter. 

Today I contacted the company to find out the status loan and was told " I took a look at your application and I found that it was closed after we attempted to get an updated insurance card, and we unsuccessful. This was needed to move forward with the refinance, and since we were unable to obtain it, your application was closed as a result. '' This company kept asking for more and more and more every time I spoke/texted or dealt ( emails ) with them. I do not think their name change request was ethical, moral and perhaps not even legal. My complaint is about these shoddy business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-08-20
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: Their investigation did not fix an error on your report

Complaint:
To, whom it MAY concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCEs. 

This is a violation of the FCRA and is also in Violation of requisite METRO 2 compliant reporting standards By the provisions of the Fair Credit Reporting ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable. I demand that the above mention derogatory items be investigated and permanently removed from my report. 

XXXX XXXX Reporting Balance : {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX Reporting Balance : {$8000.00} Please update my personal information accordingly ; thank you for your kind attention to this important matter. I patiently await your reply.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: OH
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 noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - Experian, XXXX and XXXX- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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: Personal information incorrect

Complaint:
Accordance with the fair credit reporting act. XXXX, XXXX, and Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  open date XX/XX/XXXX * Not XXXX XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX  XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX  XXXX open date XX/XX/XXXX *Not mines* XXXX open date XX/XX/XXXX *Never applied 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 2022-07-27
Company: EQUIFAX, INC.
State: GA
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:
This is a Update for opened Dispute ID ; ( XXXX ) Date XX/XX/XXXX XXXX E.s.t As of this date on the credit report the last reported date was ; ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The month of XXXX has updated. After research of the update, I believe the account / auto loan XXXX has reset the 7 years and 1 haft statutes of limitations. The account XXXX changed from XX/XX/XXXX to XXXX SECTION 605 ( c ) ( 1 ) accounts are scattered for these dates. Updated in payment history was not properly reported Information is also missing from Agencys After researching, I believe this report remains extremely confusing and is not clear and accurate. 
15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These inaccuracies have effectively negative impact on my confidence. It is difficult and It is a burden trying to open a new bank account I will include pictures for this update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Albert Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For the last few months Albert bank has been charging me a {$9.00} fee and because my info didn't match with how the so called account was opened I am guessing because they stopped responding, they have not closed it. Apparently this is an ongoing thing because they charged me again a few days ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # 1943 has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is communicating and reporting on my credit reports in attempt to collect a debt on behalf of XXXX XXXX, account XXXX. After i requested debt validation on XX/XX/2022, on XX/XX/2022 Portfolio Recovery sent me a response in the mail with documentation stating they had the right to collect on this account, which is misleading and not true. I looked up on the XXXX that this company is not licensed to collect debt or practice debt collection in Nevada. Portfolio Recovery is violating my rights under the FDCPA by misleading me to think they had the legal right to collect on this account and is in noncompliance with Nevada legal statue ; XXXX XXXX ; XXXX required ; exception. 
1.Except as otherwise provided in this section, a person shall not conduct within this State a collection agency or engage within this State in the business of collecting claims for others, or of soliciting the right to collect or receive payment for another of any claim, or advertise, or solicit, either in print, by letter, in person or otherwise, the right to collect or receive payment for another of any claim, or seek to make collection or obtain payment of any claim on behalf of another without having first applied for and obtained a license from the Commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # 1943 has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights.

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 2022-08-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, Experian and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS

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