BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: AR
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
On XX/XX/2023 Midland credit management was provided a request for debt VALIDATION and refused to send the requested documents, but instead opted to send an old bill from the said acct. The name is not correct and neither is the address on the debt. therefore i take no responsibility for said debt. the company refuses to send the documents i have requested and proof of my legal obligation to pay the debt. The company can not provide information according to the operator on the call as well but refuses to remove the debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I am reaching out due to an inaccuracy on my credit report for account XXXX. It is showing this account has been charged off as of XX/XX/2020. They received a tax write off and I should not have this debt reporting on my credit profile. According to the Internal Revenue Service ( IRS ) guidelines, if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, reporting the cancelled amount as income.I have disputed this with the bureaus and they have not helped me remove this from my credit profile. I did ask for them to send me any forms or any documentation that they have the right to report this as a debt. None has been given.

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 2023-01-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. 

Equifax Cease and Deisit this communication and stay out of my personal and private life and space.

You have no rights to be sending me any such email as such. If you do then provide in your response the regulations to support this request and provide anything from such a business that thinks they have the rights and the obligations to get what you are trying to get me to consent to. I will not give you any such consent. Now produce to me where it takes that I have to consent for you to do whatever. 

Provide me with your legal counsel 's name, address, and phone number so that I can place a call directly to such person 's office. Now honor this consent to get your legal counsel of record contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX 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 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 XXXX 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 2023-08-28
Company: Experian Information Solutions Inc.
State: IL
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:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-02-07
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not apply for credit from ELAN FINANCIAL SERVICE

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 2023-05-05
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Received letter dated XX/XX/2023 From Wells Fargo NA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Subject : Decision about your credit card application # XXXX. Person was applying for XXXX XXXX XXXX credit account. Application was denied : unable to authenticate identity of applicant. After reviewing my credit report hard inquiry was done on XX/XX/2023. This was not me and I am concerned that my identity was used.

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 2023-01-26
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, I made my regular paycheck deposit of {$2300.00} into my account and as usual, it cleared the next day and I started using the money. Santander bank then placed an extended hold on my account and deprived me from accessing the money I need to sustain my family and run my business. The problem is that they have already cleared the check and they have done this before and have apologized that since the check has been verified and the same amount is deposited into my account every two weeks, this should not happen again. I called to speak with multiple people in the bank and they could not give me a reason for the hold nor do they have the authority to remove it. My boss got confirmation from her bank that Santander bank has received the funds but they are holding on to it causing my family hardship and other bank fees. I want Santander bank to release my money and to not charge me fees resulting from their irrational actions and to be responsible for other bank fees related to this action.

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 2023-01-26
Company: BMW Financial Services NA, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
BMW FINANCIAL SERVICES - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX  - INQUIRY ( 2 ) - DATE : XXXX, 2021 - CALLED CREDITOR XXXX - INQUIRY - DATE : XXXX, 2021 - CALLED CREDITOR XXXX XXXX XXXX - INQUIRY - XXXX, 2021 - CALLED CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NV
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 on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES XXXX  OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CITIBANK, N.A.
State: FL
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:
We were charged {$1000.00} on XX/XX/XXXX at the XXXX store on XXXX XXXX in XXXX, NH. The credit card company refuses to acknowledge that this was fraud. They can't tell us what was purchased for that amount. They never fully investigated the charge. They refuse to help us because they say that it was us because the credit card never left our possession. Obviously there was a skimmer or some other way the thief was able to get our number. The credit card company denies that a charge can be made without physical possession of a card. 
We have been stellar consumers with this company for more than 22 years. 
We are both in our XXXX on XXXX and there is no way we would charge that large an amount as we both have prescription insurance. Also, the credit card company never communicated with us about that large and unusual charge, they just let it go through. 
They have denied our claim based on the fact that the credit card never left our possession. We are out that money now. I need to know how we can fight this judgment. They wouldn't reopen this dispute. Earlier in the day I had charged {$17.00} at that store. 
I can prove I wasn't even in the vicinity of this store when this bogus charge appeared.

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 2023-01-26
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I'm a victim of identity theft. I have reached out to everyone company that was reporting on my credit report for them to remove that inaccurate information. I did a credit dispute XX/XX/, with account number ending in XXXX. First progress responded back to me with a letter stating in order for them to initiate an investigation, they need to receive the specific information that I am disputing and an explanation of the basis for the dispute, and supporting documents I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I initially called Wells Fargo after my purse was stolen on XX/XX/XXXX XXXX, reporting fraud and identity theft, no claim was submitted. I asked the Wells Fargo rep what I should do if my purse was stolen XXXX  license and bank card. They said freeze account, so I did. When checks were cashed fraudulently, the next day I called again and was given claim # and I filed a customer complaint, as the rep I talked to did not do anything to protect my account and they mislead me. They admitted the error and that my account should have been closed. nothing has happened with my claim last Wednesday and the next rep had no record of fraud or a closed account. I filed a new claim has begun Sat the XXXX, after initially reporting claim on the XXXX collections has gotten back to me, but the fraud claims has failed to do so. I have a hard copy of the check submitted and returned fraudulently, persons name is easy to XXXX  and find that they are deceased. A teller called me reporting suspicious activity as this person drove through teller wearing a wig trying to cash a check on my account. Had my account been closed properly or even frozen the checks wouldnt have been put through by this criminal

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 2023-05-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo bank over chargeing my account take moneys out that wasn't their pay venders and charge mee fees and closing my account with just oweing them fees that they returned the payment to venders lawsuit has been filed and I had a checking account between XXXX and XXXX wasn't compensated for their lawsuit that happened that they have too pay consumers

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 2023-01-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
Inaccurately showing as Pending Litigation. A purported income withholding Order has been provided by the Title IV-D Child Support Agency but this order has not been signed by a judge showing violation of 28 U.S.C 1691. The agency can not 1 ) validate the debt ; 2 ) provide a contract ; 3 ) Provide the required Enforcement of Income Withholding document under 45 CFR 303.100, with the exclusive Judges signature in the Title IV-D Child Support Agency . Any other signature ( s ) in the Title IV-D Child Support Agency document would be impersonating a judge in violation of a federal crime under Title 18 U.S.C. 913 ; produce order by a judge ; 4 ) provide full accounting itemizing charges ; 5 ) can not show arrears information ; 6 ) show prove of jurisdiction ; Garnishment is a federal statute requirement under Consumer Credit Protection Act ( 15 U.S.C Section 1673 ( b ) ; 7 ) Under Section 466 ( b ) ( 1 ) The IV-D Income withholding provision requires the withholding of income in an amount sufficient to comply with the support order up to the maximum amount permitted under section 303 ( b ) of the Consumer Credit Protection Act ( 15 U.S.C Section 1673 ( b ) that is 1 ) The employer is responsible for implementation the CCPA limitations ; 2 ) The Federal CCPA exemptions only apply to disposable income.

In United States v. Sage, 92 F. 3d 101 ( 2nd Circuit 1996 ), the judges ruled that child support agreement are equivalent to an interstate commercial contract and rejects the idea that child support payments obligation is somehow different than student loan or car notes. Therefore, these inaccuracies are affecting negatively my credit report and may affect my ability to keep my job.

Company response to consumer: Closed with explanation