BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: Experian Information Solutions 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:
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2022-06-25
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Good morning, I have requested a copy of a convenience check wrote from bank of the west. It is a balance transfer check. The check was cashed. I need a copy of the check for litigation.. Bank of the west states they can not find a copy of the cancelled check. If he bank can not provide me a copy of the check the charge should be cancelled? 
I need your help to get a copy of the check. the check was cashed XX/XX/2022. bank of the west states they can not help me. 

We are unable to locate check # XXXX for {$1200.00} on your account. 

This can not be true. Can you help me resolve this problem?

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 2018-06-01
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We contacted First Tennessee Bank on XX/XX/2018 with the following request : Please review and help get rid of the repetitive charges on this nonprofit account. XXXX XXXX was very unhelpful through this matter. The customer did not authorize the charge listed on the affidavit. A system block may need to be in order as well as this account to be closed. 

Our Business checking account was digged by an illegal operation and the bank charged us overdraft every day to the extent of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had an FHA loan with XXXX Bank. I sold the home. Loan was paid off and closing on XX/XX/XXXX. 

On XX/XX/XXXX I received a check from TIAA Bank dated XX/XX/XXXX for {$940.00} for misapplication reversal. Please see attached. The check was void after 90 days, however, I didn't receive the check till 5 months after it was dated. I attempted to cash the check and it bounced. 

I attempted to call TIAA Bank but there mortgage business no longer exists. There was no one to talk to, just automated messages. The call eventually transfers to XXXX who now services TIAA Loans. Once again there is no actual person to talk to at XXXX, it's just automated messages. 

Since there was no one to talk to, I wrote TIAA Bank a letter on XX/XX/XXXX. In the letter I requested to file a complaint. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-11-22
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:
This is my multiple 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
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:
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2022-11-28
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I logged into XXXX XXXX  over a year ago and saw there was a collection placed on my account for XXXX XXXX. I tried disputing this with XXXX and they would not remove it. I then filed a police report and disputed it with XXXX and XXXX. XXXX and XXXX removed the collection but I did not know that XXXX also showed it on their side as well. I filed a police report regarding this ( case XXXX ) with the XXXX XXXX XXXX and XXXX XXXX is the current owner of that case. 

I attempted to contact both XXXX and Source Receivables ( the collection agency ) to dispute this directly and both were unhelpful. XXXX would not help me as they needed an account number to help me, and I do not have an account number to provide as I have never been a XXXX customer. Source Receivables would not assist me either as they referred me back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth 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, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: MO
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 already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: WELLS FARGO & COMPANY
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a claim/ dispute with my Wells Fargo credit card concerning a purchase that was made to XXXX XXXX for carpet and installation around XXXX 2022 for {$2700.00} However, the carpet is obviously defective and Ive made numerous attempts to rectify this problem by requesting a refund for XXXX. Since the company XXXX XXXX has failed to assist or address this carpet issue Ive then turned to my bank credit card company XXXX Wells Fargo ). This issue I with Wells Fargo is that they have failed to take responsibility for any errors that has taken place in the handling of my dispute. They have stated to me during our phone conversations that I could file a dispute, took my information and filed the dispute. However since this dispute was file they have issued a credit for {$1300.00} took it back then I filed a 2nd dispute for the above dollar amount of {$1400.00} they credit that amount back to my card yet they removed it as well. They continue to give me false misleading information concerning my dispute. Ive was even told by their representative that they made a mistake with filing my dispute and not to worry because it was their fault. My carpet is just 4 months old. I have defected carpet in my home that XXXX XXXX nor Wells Fargo is doing anything to help me. I would like a full refund for the total amount or @ least the {$1400.00} since its definitely not fair to have to deal with looking at defective merchandise.

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 2022-07-28
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several letters to validate the debt to Midland CRE and still they are reporting a debt that does not belong to me. I have also communicated with the three credit bureaus and still no bonafide proof and I want this debt deleted and no longer associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: MO
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 already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$20.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Social Finance, Inc.
State: CA
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 federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Mercedes Benz Financial Services
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXXXXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth 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, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$25000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$620.00} Status Account charged off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$2400.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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:
I contacted Transunion about inaccuracies on my credit report regarding XXXX  XXXX XXXX and TransUnion sent me a letter that they verified the account. TransUnion has not given me the information I requested on the verified documentation and how can it be verified when on the credit reporting agencies the last activity and close dates do not match each other. The XXXX XXXX account Transunion claimed they verified has a closed date, last activity and company name that do not match. The two ( 2 ) XXXX XXXX accounts have inaccuracies with payment history, closed dates, and last activity. It is the responsibility of Credit Agencies to report accurate information.US Dept. ED/XXXX  XXXX has inaccuracies with payment history, closed dates, and last activity. Transunion has not done its due diligence to ensure the accuracy of the information they publish on my credit report. In addition to the inaccurate accounts, Transunion is also reporting hard inquiries that are not Metro 2 Compliance and they do not have my permission to report these erroneous items : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX. I sent Transunion a letter requesting the information be investigated over 30 days ago and I have not gotten a response of any kind. 
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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