BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted multiple disputes on XXXX regarding my Wells Fargo Mortgage account showing a balance of {$220000.00} which was last reported XX/XX/XXXX, I have also contacted Wells Fargo and they confirmed my balance was XXXX ( house was sold XX/XX/XXXX ) XXXX keeps telling me that Wells Fargo is reporting and that it is correct, which in fact it is not, I have sent XXXX copies of my statement showing a XXXX balance as of XX/XX/XXXX and earlier yet no action is being taken to correct the balance. This has been going on for nearly XXXX years and the other XXXX reporting agencies ( XXXX and XXXX ) show it as XXXX paid in full. I don't understand why XXXX won't correct it.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Filed an FTC on XX/XX/2021 and nothing was done by the companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Sequium Asset Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections agency reported on my credit that there is a collections against me. A fraudulent account was created through XXXX  in my name. I contacted XXXX global fraud. They determined I should contact XXXX which I think is an affiliate of XXXX, and gave me a number. I could not get a live person. I filled out a form online and no one has responded to me yet. It has been two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: NC
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:
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to
promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or deleted immediately. Below I have marked the multiple inaccuracies that are being reported on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Aldous & Associates, PLLC
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: Information belongs to someone else

Complaint:
I reached out to the law firm/collection agency to inform them that the information that was being reported on my credit was inaccurate and does not belong to me. The information thats been reported is an account I supposedly have with blink fitness that was opened on XX/XX/XXXX, however I moved from New York XX/XX/XXXX, I wrote a letter requesting verification of the debt and also made calls to the law firm informing them that this information is inaccurate and The account must be a fraudulent account, which does not belong to me and should be removed from my credit report, to which they insisted that I pay the debt and that their information that is being reported was received from their client ( XXXX XXXX  ), and is assumed to be correct and is going to continue to be reported until I pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 currently have some unauthorized inquiries on my credit report.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, There is personal information that is incorrect on my Experian Rent Bureau report that needs to be fixed. 

Please see attached.

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 2023-03-16
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX : I filed a compliant through CFPB due to incorrect payment count with Mohela. COMPLAINT ID XXXX XX/XX/XXXX : Mohela responded to CFPB compliant with 104 payments qualifying payments. I should currently have 111 qualifying payments based on current employment certification through XX/XX/XXXX that has been uploaded to Mohela 's system. They did not accurately add all of my payments that have employment certification documented on the response sheet to CFPB. When I looked at the payment tracker on Mohela 's website, they do not list the dates of XXXX ( 5 payments ). In addition, the math does not correctly add up. The response shows I have qualifying employment certification from XXXX ; XXXX. This should be 111 qualifying payments ( 9 years and 2 months ).

I will have an additional 5 current qualifying through XX/XX/XXXX to total 116. Will upload most recent certification to Mohela when HR signs it. Therefore, my loans should be forgiven in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XX/XX/XXXX, I spoke with a representative regarding an offer for a reduce in my interest on my credit card with Capital One due to loss of job due to Covid-19. The representative did not make me aware that it will restrict the used of my card. I spoke with Supervisor XXXX back in XX/XX/XXXX stated if I make 3 months of my payments on time that my card will be turn back and the restriction off my card. I have made payments over {$3000.00} since XX/XX/XXXX over the minimum payment and XX/XX/XXXX payment for {$380.00} on XX/XX/XXXX. I spoke with Supervisor XXXX she stated that the restriction will not be lifted until 14 days after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX - 4th Letter XX/XX/XXXX It is over 120Days i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
I am trying to get a mortgage for a second home. I currently have a mortgage through Bank of America. I have made all payments on my current mortgage on time and have NEVER been in forbearance. For some reason the bank has reported my current loan in forbearance which is causing a gap in my husband and I getting the mortgage on the second home. We are currently in jeopardy of losing the contract on the house due to Bank of Americas incorrect reporting. I have called several times to get this issue fixed to no avail.

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 2023-04-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX a cashiers check was deposited into my account. It was returned with a letter from my bank, refer to maker please contact the person who gave you this check for more information. The check was issued to me from CHARTER ONE BANK, in the amount of {$3500.00}, dated XX/XX/XXXX. ( I closed out an account I had there ) XX/XX/XXXX I contacted unclaimed property, Michigan.gov. Spoke with XXXX ( XXXX ) who said nothing was listed for CHARTER ONE. Called Charter One, which is now, XXXX XXXX. I spoke with XXXX XXXX XXXX ) in the garnishment dept. XXXX and was told it would be looked into and they would get b @ ck to me. 
I called back and sent documentation of the check, to no availemailed etc., no response. 
XX/XX/XXXX spoke with XXXX in garnishment dept., sent all copies of check by email, XXXX XXXX XXXX, she confirmed receipt. Sent another email to XXXX on XX/XX/XXXX requesting info I needed to start a claim, no response. 
XX/XX/XXXX called XXXX, she said it should be turned over to customer resolution. 

Called XXXX XXXX in XXXX, Michigan, spoke with XXXX, she said I need Legal Council from Citizens B @ nk, corporate headquarters in XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
Checked Escruated Property Reclamation in Rhode Island. NOTHING found. Looked under XXXX XXXX, nothing found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: NC
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:
To whom it may concern, Under U.S Code 1681b - Permissable purposes of consumer reports ( a ) in GERENAL Subject to subsection ( c ) any consumer reporting agency under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never provided your agency any written consent to report anything on my consumer report, no consent is identity theft. Any deletions that are made is admission. Failure to comply to my request for the following accounts to be deleted will result in a violation and claim since your agency being liable for any damages caused by your actions. Please take careful note of what was written in this dispute and the letter that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: KS
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-24
Company: A.C.S. Companies, Inc. I
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received an email from XXXX and the contact persons name is XXXX XXXX. He said I owed a debt to ACS Incorporation for {$800.00}. If I do not respond and pay within 24 hours, they will file a lawsuit at United States District Court XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX, United States Against my Name and SSN. 
They said they are in a Process to inform the Social Security Administration & major Credit Bureaus as well. 
Also that I will receive court summons at my door steps with the cost of the lawsuit around {$4200.00}. 
They said they would settle and let me pay {$400.00} today or bi weekly payments of {$200.00} until paid off and that once the full and final payment is received a receipt will be sent to me stating that my outstanding debt is paid in full with XXXX balance and i have no more debtors for the company and they will update the Major Credit Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-28
Company: PNC Bank N.A.
State: NJ
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:
The problem is, PNC does not keep up daily accounts of transactions and sometimes, the amount says one thing, but the actual amount is another, less. Then I spend the money that says I have " available '' in the account only to find there are overages. 

Now, I have asked on several occasions for them to return charges of {$36.00} each, this time twice adding to {$72.00}, but they refuse. 

I have asked them to put into writing their side of the story, but they refuse, obviously because the company knows they are perpetrating fraud. 

Since XXXX of XXXX, the United States has made it possible for banks to carry 0 funds to cover transactions. 

The fraud comes in because the banks did not notify me that there are no actual money transactions being made, but only by computer, so in effect, there were never any overages to my account, because they did not have the money to back my supposed negative balance. 

They have never informed me of this situation, never disclosed there is no money exchanged between parties, which constitutes fraud. 

I have these two as examples of this situation and have others adding up to over {$900.00} since being a customer of PNC. 


As you can see by PNC 's own admission, they state that if the account is overdrawn and they have to " Pay, '' is fraud because they are not paying anything. They are not using money, only electronic means, no actual money is necessary in the bank to pay a debt that supposedly exists. 

The admission they are paying is fraud. Their wording, not mine. PNC has never, not once enclosed this information to me, their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by XXXXXXXX XXXX XXXX in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a 15 year old address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted XXXX XXXX XXXX to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. XXXXXXXX XXXX XXXX  are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe XXXXXXXX XXXX XXXX need to be investigated. My rights were violated.

Company response to consumer: Closed with explanation