BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo deposited 2 checks from my account. These checks were made out to a vendor, XXXX XXXX. XXXX XXXX does not have an account with Wells Fargo. Someone fraudulently deposited these checks.

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 2023-08-09
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:
Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX {$4400.00} POSTED ON XXXX XXXX  CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$510.00} POSTED ON XX/XX/XXXXXXXX XXXX  CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX 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 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 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
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, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on 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 2018-08-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im writing for help to resolve an issue ( late payment reported to credit agency ) with my Gap Visa card through XXXX XXXX. 

As of XX/XX/2018 I had a {$0.00} balance on my credit card. On XX/XX/18 I made one purchase in the amount of {$64.00}. On XX/XX/2018 ( never received a statement ) I made a payment of {$30.00}. On XX/XX/18 ( again never received a statement ) I made a payment of {$30.00}. On XX/XX/18 wanting to make my final payment to bring my account to a {$0.00} balance I called the credit card company ( this call should be pulled XXXX XXXX  ) to get my balance and to make payment ( again never received a statement ). The automatic system said my account was past due and of course I was shocked so I waited for a representative. I was told that my {$30.00} payment made on XX/XX/18 was considered a partial payment and the minimum payment should have been {$38.00}. ( Since I never received a statement I did not know this ) or I would have made the minimum payment. To make matters worse ( without knowing ) my payment of {$30.00}. made on XX/XX/XXXX was considered a partial payment. With the rep on the phone we made a payment for the full balance. My main concern was that this was not being reported to the credit agencies and the rep said that we should not be worried because according to their system I was only one day late but he advised me to call back customer service to be certain. I called customer service at ( this call should be pulled XXXX XXXX ) as advised only to be told that my account was already reported as 60 days past due and there is nothing they could do about it. This is not right and the bank should update my credit file to reflect a {$0.00} balance and no late payments. I believe this is a bank error and obviously for having only a {$64.00} balance to begin with and my making payments in XXXX, XXXX, and XXXX this should not be reported as late. For all these reasons please help my get my credit report ( s ) to be updated to reflect no late payments.

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 2023-07-18
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a text asking me if I had charged {$1000.00} on my credit Chase Visa. I was called regarding this. I was asked numerous questions to check my identity. I was kept on the phone for an hour. I told the person I was talking to that this was not my purchase. The next day when I checked my accounts, my savings account was {$0.00}. I had {$51000.00} in my account. I notified the bank immediately. I told them what happened. They asked for a police report. I got that for them. They denied my claim to get back my money. They said I okayed the transfer of funds. I did not okay the transfer of the funds. These fraudsters used my voice in some way ( recording it,? ) I dont know what they did. But the voice the bank heard was NOT MY VOICE! On the basis of what they heard they are not giving me my back. I am a XXXX XXXX XXXX I am XXXX XXXX old. That money was all the money I had in the world. Please try to help me. I did not ok the transfer of the entire sum of my savings! 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
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:
To whom it may concern ( Experian, XXXX ) This letter is in reference to ( account # XXXX ) for services provided to ( XXXX XXXX XXXX ) on ( XX/XX/XXXX ) In regard to the bill on this account in the amount of : ( {$280.00} ). 
Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and ( name of your State 's Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security means, with respect to unsecured HIPPA Law and PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of ( collection agency name ). Please note that the effective date for commencing enforcement of penalties against you for any vicarious liability is XX/XX/XXXX. 
( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is in violation and inaccurate. Remove this account account immediately within XXXX business days or I will not hesitate to file a lawsuit for being in violation.

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 2022-12-14
Company: AES/PHEAA
State: TX
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:
a letter from PHEAA, which is the parent company of Fedloan sent a check for {$25.00} and a letter to my house. The letter was not addressed to me, but to a different individual. The rationale for the letter was due to the many problems that Fedloan had and the mistakes that Fedloan made while servicing the Direct Loan. The overall message from the letter was " we made lots of mistakes, here is {$25.00} for the trouble ''. I was never sent this letter nor the {$25.00} from Fedloan and I have dealt with many mistakes and servicing errors from Fedloan. I called Fedloan and was told that Fedloan would only send this to accounts that they felt deserved the letter and {$25.00}. That is not how policies and programs work. I have called Fedloan to inquire about the status of {$25.00} check and letter for myself, and I have also written Fedloan through the internal e-mail contact us system. Fedloan wrote me back that they are internally researching the issue and will contact me in the future. That is just one more LIE to the Fedloan pile. So, now I am utilizing CPFB to force Fedloan to respond to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: NELSON AND KENNARD
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX XXXX, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with XXXX XXXX XXXX and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the XXXX XXXX XXXX account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from XXXX XXXX XXXX  and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to XXXX XXXX XXXX as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with XXXX XXXX XXXX. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXXXXXX XXXX- {$170.00} - XXXX OF ED/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED. 

Delete the above inquiries and fraudulent accounts on my 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
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:
I received a deposit from The Social Security retirement on XX/XX/2022 and the same day someone without my permission used my card to buy an unauthorized purchase at XXXX XXXX on XX/XX/2022 for the amount of XXXX. I called the bank to make a report and they did not helped me, they created a claim # XXXX and they close the claim in 5 minutes stating someone used my pin # and my card chip to buy XXXX XXXX XXXX. when I went in person to the bank and the employee stated all they can do for me is move my direct deposit to my savings account instead of the checking account but they will charge me for every direct deposit from the Social Security office. the bank did not made an effort to assist me with this issue. I went to the police department in XXXX XXXX and open a case # XXXX police dept. stated they will contact XXXX XXXX and investigate the transaction and look at the security cameras, they will call me when they have any outcome. I don't feel valued as a client and the bank failed to protect my money. Thank you for your assistance. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: IN
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:
To whom it may concern, I am writing to dispute information on my credit file. I have noticed there are unauthorized credit inquiries made by these companies listed above. To my knowledge, I have not signed documents authorizing these companies to view my credit report. These inquiries was made without authorization and for no legitimate reason. I never authorized such action and this constitue 's a violation of my right to privacy under the FCRA 604 as well as a violation of my right to privacy. 
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 2015-11-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
This complaint is about a re-finance of an existing home loan.  The refinance is through the company that currently has the loan.  They offered the re-fi the first of the year, I applied for and received it, I have the approval letter.  Usually, approval letters have experation dates of up to three months, mine specifically has none and the company does not like that, obviously if they have to sell loan at today's rate they would loose money on the deal.  Since the approval letter came, the agent  XXXX, has put of sending someone to finish the loan.  it has been Eleven months and they still have not done anything.  XXXX, XXXX Supervisor has repeatedly said they will work things out but nothing has been done.  They asked me to reapply, I asked, "At today's rate and will you have the oppurtunity to reject my application?"  He said that it was true and I told them that was not right and that since they made an original agreement they will honor it.  I told them that I was going to make a complaint to the CFPB but they acted like they did not care.  XXXX did not seem worried that I was  going to contact the Illinois Department of Professional Regulation where he must have his Illinois License through.  Carrington Mortgage Re-Finance out of their Florida Office is the place where XXXX and XXXX are located.  I have copies of the original application and the approval letter that show no dates of experation.  I think that they are just waiting for the year to run out so that they can again say, "Well, it is too late to fix anything now!"  About three or four months after I received the approval letter, and many phone calls to XXXX while he still worked at the California office, he admitted that the application had gotten lost on his desk but that he still wanted to work with me and get it pushed through even though he was moving to the Florida Office of Carrington Mortgage.  I was originally assured that this was going to be a smooth process but I was wrong.  All that I want is my original re finance to go through, that's it and Carrington has made it miserabble since they screwed up and hope that I will go away.  The last call, almost two weeks ago, was to follow up on a statement made by XXXX that he would check and see if the dates on all of the documents be changed and updated, would that make the loan go through but I have not heard from him or XXXX.

Company response to consumer: Closed with explanation