BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, L ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Thursday XXXXXXXX XXXX I went to the State Employees Credit Union and applied for a checking account and wanted to try for a mortage loan. I was told I couldn't apply for eithier one because of a charged off account for a car i purchased for {$3300.00} through them 20 years ago. I was told from another bank that the account should not be able to pull up after 7 years. I am now XXXX XXXX XXXX and want to buy a house and the best route for me is state employee. Thank u in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Saturday XXXX, I received a Netspend XXXX XXXX pre-paid XXXX This card includes an account and a mailer to sign up for Direct Deposit, which included a routing number and an account number. When I called the company on XXXX, their phone system lead me in circles. When I looked on their website, they did not list any phone numbers that would actually route me to a person. The phone system wanted me to activate the card before anyone would help me. So, I routed through the phone system to report a lost or stolen card before I could speak to a person. When I did speak to a person, they wanted me to activate this card, even though I did not request it. I had to request to speak to a supervisor to find out who requested the card account on my behalf. The supervisor said that it was a promotional item, and they just send these cards to randomly selected people. I explained that this was deceptive marketing, and it was fraudulent because they sent out a completely encoded XXXX with my name, and active magnetic strip. I had to request the company cancel this card as well as the account, to remove me from all future mailing, to not give or sell my information to anyone, and to remove my information from their database. This is very deceptive and could defraud many people.

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: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed with a job ( i now know it was a fake job ) where i was supposed to help manage the money, there was even a contract i had to sign for this job. I was sent a check in the mail and was supposed to deposit the check, then send it to the product supplier. I cashed the check, it went through, then sent the money through XXXX. the next day Bank of America decided the check was bad so my account was charged back {$3500.00}. I immediately contact them to report that i believe i was scammed, and they told me the check was counterfeit. They then made me way 3+ weeks ( i was told 10 days ) to tell me that they couldnt do anything about it and that it is my fault and i have to pay it, but they have 45 days to try and contact the institution the money was sent to. I have called several times and have gotten no resolution, even though i only had {$200.00} before the scam. I am a recent XXXX XXXX and havent been able to get a job all summer until 2 weeks ago, but its only part time and barely enough for groceries. Im literally XXXX  and had to move in with my in-laws since my husbands job contract ended and he is without a job also, and after explaining this to the BoA rep XXXX she wanted to connect me with someone to set up payments for the {$3500.00} that was scammed from me. XXXX is advertised as safe, and the check was cleared according to my merit with BoA ( per the recent agent i spoke with who was very rude ). They obviously werent protecting my account and now they refuse to help and wont even give me resources to find help. the claim number is XXXX I have included a few screenshots of the people involved in emailing me to scam me. There was a lot of correspondence with them, so I tried to include key messages from them.

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: Experian Information Solutions Inc.
State: IN
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 am appalled by the ability of the Credit Bureaus to continue reporting the disputed accounts without proper verification! I have been disputing these accounts on my Credit Report for quite a long time now by submitting dispute letters addressed to Experian and XXXX Credit Bureaus and informing them that I was a victim of identity theft. But despite all my efforts attempting to correct my Credit report, the Credit Bureaus have been doing nothing! I have read enough to understand my rights under the FCRA section 605b which is clearly being violated by the Experian and XXXX Credit Bureaus. Let me remind the Credit Bureaus of their obligation to comply with the FCRA statute. The following accounts resulted due to identity theft and therefore. I have also been asking for documentation bearing my signature to support the Credit Bureaus claims that the accounts I am disputing were mine but they have failed to deliver. I need the following accounts removed at the earliest possible time : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened:XXXX  Balance : {$15000.00} 2. XXXX XXXX XXXX XXXX Date Opened:XXXX 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 2022-04-25
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:
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 15 USC 1681. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX # XXXX, has violated my rights XXXX  XXXX XXXX XXXX XXXX ... .has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX # XXXX ... h

as violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates 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 that 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-11-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I got a loan from Wells Fargo. 
My loan was to be paid off in XX/XX/XXXX. I paid the loan off on XX/XX/2023. As a result of this early payoff Wells Fargo reported me 5 weeks later on XX/XX/2023 for delinquent payments to the credit services. I feel this was a vindictive move on the part of Wells Fargo

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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-08-18
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:
XX/XX/2023 XXXX transunion XXXX XXXX XXXX paying XXXX monthly I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item

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 2022-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I applied for a new checking account with XXXX XXXX  XXXX XXXX XXXX. Since I have a credit freeze with all three credit reporting agencies, I was informed Equifax is the credit agency the bank uses. 

I temporarily lifted the Equifax credit freeze. At the time of the freeze lift, Equifax showed my credit score to be XXXX. When I went back to sign various banking documents, I was given a document showing my credit score to be XXXX. When I questioned the bank representative about the significant credit rating difference ( more than 100 points difference ), she said she would investigate the matter. In addition, I contacted Equifax directly and was told the XXXX score is based on a proprietary formula and often other financial institutions may use a different credit rating formula. However, the Equifax credit score showing XXXX should have been the score issued to the bank. In a follow up call with the bank representative, I explained that Equifax had stated the credit score of XXXX should be the credit score the bank received by Equifax. This means that the bank has their own credit rating formula. The bank representative indicated the score of XXXX is what was received by Equifax. 

I have asked to see the actual credit report the bank received from Equifax. Also, I stated if the bank uses a different formula for determining credit ratings, I wanted that information too. As of today, there has been no further communication with the bank. Either the bank is lying or Equifax. There is a serious problem when the three credit reporting agencies show a credit rating of over 800 points and a bank tells me my credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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 following companies are listed below : XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX, account # XXXX, has violated my rights. 

XXXX 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 602 ; 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 explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Recently checked my report and notice a bunch of inaccurate information

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 2023-09-22
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Unauthorized use of my card. Tried disputing charges and was only refunded partial amount. Bank said that there was nothing more that they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Someone scammed me out of {$680.00} in prepaid cards while I was setting up a new bank account. They were American Express cards. I've talked to them about it but I'm still waiting for resolution. I do have the accounts that my money was used for from calling them I just don't know how well they're doing to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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 following companies are listed below : XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX, account # XXXX, has violated my rights. 

XXXX 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation