BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX WELLS FARGO CREDIT CARD XXXX XXXX XXXX XXXX, IA XXXX I WOULD LOVE ALL AND ANY FULL INVESTIGATION INFORMATION WELLS FARGO HEADQUARTERS etc. FOR FRAUD/IDENTIFY THEFT etc.I HAVE BEEN A DEDICATED CUSTOMER SINCE XXXX TO CURRENT.SO I WOULD LOVE ALL AND ANY FULL INVESTIGATION XXXX TO CURRENT OF, ALL AND ANY ACCOUNTS/ CREDIT CARDS / DEBIT CARD etc

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card 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 2017-09-30
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:
ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Blackhawk Network Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I attempted to use this card at XXXX on XXXX/XXXX/XXXX. The card was declined at the register, but when I checked the balance, it said that the funds were taken by XXXX. I contacted XXXX that day, and the accounting office said they had no record of the transaction, and that any funds should have been sent back to the card. The next day, I called the prepaid card company ( XXXX/XXXX/XXXX ), and I was explicitly told I would see a refund in 10 days. In fact, the woman on the phone said, " I see that the funds were sent back to card 11 minutes after the charge was made to the card ''. 

However, it has been well over 10 days and the funds have not returned. I have called into the prepaid card company, and told I need to dispute the charge. XXXX has also advised me to do the same since they say they do not have the funds. I do n't understand why the company lied to me and told me the funds would be refunded, but I have submitted the dispute now. Unfortunately, the card company says it will take up to 90 days to resolve the dispute!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.

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 2022-06-19
Company: Experian Information Solutions Inc.
State: OH
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 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. 

In accordance with the Fair Credit Reporting act XXXX US Bankruptcy 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. 

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-01-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: NY
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 do not recognize this inquiries port XXXX XXXX  I did not authorized this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 2022-06-19
Company: Experian Information Solutions Inc.
State: CA
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:
VIOLATIONS Section 607 ( A ) ( B ) Compliance Procedures : Accuracy of Report Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate of unverifiable information Section 623 ( A ) ( 1 ) ( A ) Responsibilities of furnishers of information to consumer reporting agencies THE STATUE OF LIMITATION IN CALIFORNIA IS FOUR YEARS In XX/XX/XXXX Experian added a collection account to my credit report from a debt collector called XXXX  XXXX XXXX XXXX in the amount of {$1400.00}. I have constantly asked Experian to verify this debt because I believe the balance is inaccurate. Experian keeps saying this account is verified and the Information is correct.. XX/XX/XXXX I contacted the debt collector myself and asked for debt validation. I was sent a letter saying that I owe {$2000.00}. once Again I've tried numerous times to contact Experian about this inaccurate reporting Information. now here it is 6 years later on XX/XX/XXXX Experian is reporting a balance of {$2200.00} on XX/XX/XXXX the balance changed again to {$2200.00}. how is this collection account 6years later gaining {$900.00} in random charges please delete account you're constantly reporting inaccurate information I've included all supporting documents.

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 2022-08-05
Company: EQUIFAX, INC.
State: CA
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 sent a letter on XX/XX/XXXX with complete attachments of my personal information as well as the ID THEFT REPORT I ereceived from the FTC requesting that the Credit Bureaus remove fraudulkent information from my Credit file that are UNKNOWN to me. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXXIve already included this in my previous Complaints & I am including it again. I have read enough to understand my rights which is clearly being violatedby the Credit Burueas by contunuing to report the disputed items whitout proper verification. I need the disputed items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-09
Company: EQUIFAX, INC.
State: WV
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:
Equifax carelessly mishandled my information, opening themselves up to a breach that has placed myself and millions of others at risk of having our identities stolen. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notice and only became aware of this from articles shared on social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax might have divulged my name, SSN, DOB and address ( as well as other informations ) to unknown hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  has 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 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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : XXXX XXXX XXXX XXXX Account number 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 2022-01-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian failed to provide consumer with proper method of verification of 2 allege XXXX late payments. On XX/XX/21 Experian sent consumer an XXXX response claiming to have verified this dispute but failed to provide me with documentation they recieved from XXXX verifying the dispute. If no documentation was provided to Experian from XXXX that means that Experian verified this dispute by mere hearsay which is in violation of multiple FCRA violations.

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 2022-01-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am submitting this complaint without the assistance of a 3rd party. 

CMRE Financial Services contacted me via U.S. Mail after claiming they would not contact me further. The initial contact violated the FDCPA because I did not give permission prior to CMRE Financial Services mailing letters addressed to me. The letter was false and misleading. The letter included interest charges. The letter claimed a balance was owed although the balance was listed as positive. I do not owe the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was sent over by doctor from XXXX XXXX XXXX XXXX XXXX to have test done. They were in the same XXXX XXXX building and used the same receptionist and front desk. Was never told that they were not under my insurance. Disputed bill with XXXX XXXX multiple times and was never responded to. XXXX disputed the bill multiple times with representatives over telephone on XXXX XXXX, sent a letter on XX/XX/2021 and additional phone calls later, and was never responded to, and only sent bills. Was turned over to collections with no written warning from either XXXX XXXX or Express Recovery XXXX, and never received notices for payment. Express Recovery XXXX then filed collections on all three major credit reporting agencies dropping my credit score over XXXX points. Was never notified of this either. Disputed results multiple times with credit agencies. Disputes were found in my favor and removed for 1-2 days and then Express Recovery XXXX then submits a new collection account with no contact whatsoever. Both XXXX XXXX and Express Recovery XXXX are in violation of the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my Transunion XXXX and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX XXXXInquiry XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX Name of Company XXXX XXXX XXXXXXXX I -Date AddedXXXX XXXX XXXXXXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry 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 2022-06-19
Company: Reliable Credit Association, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a notice from this company showing " Cancellation of Debt '' but it is still showing on my XXXX credit report. I am needing the account deleted from my Credit reports. See Attached documents

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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 reached out to XXXX and Trans Union, XXXX several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..

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 2018-06-03
Company: Home Credit Corp. Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Home credit trying to accused me of lying back in XX/XX/XXXX I did report that the car was my ex wife ... and the reason for that is because I bought it for her! Okay since you sitting to your computer replying back on messages why dont you reply with a settlement and I will show proof to your company when I made a partial payment trying to keep from repossession!!!! I want this debt offf my credit Im pretty sure you already sold the car and getting money from the new owner! How dare you reply that I was lying about a payment ... why dont you attach my last payment so Consumer Financial Protection Bureau can see your company took my partial payment and then repossessed my car!!! Show them that!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
I called Equifax to see if my personal information, including my social security number, was at risk of being stolen by a recent breach and received a randomly generated answer instead of the truth.

Company response to consumer: Closed with explanation