BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo closed my account without notification due XXXX ( customer info, specifically my address which I have had for 12 years for this account and at their bank ). I have a mailing address, they demanded I use my physical house address. I went to the branch and updated the address to my house address as they requested, they then re-opened the account but kept my money. {$17000.00} USD. When I asked them where my money was, they replied and said they sent the money via cashiers check to the original ( mailing ) address and not to my house. My mailing address is a protected locked mailbox inside a mailbox business ( XXXX XXXX ). No cashier 's check ever arrived. 
I went into the branch and was told there was nothing I could do other than to put a stop payment on their check for a {$31.00} fee and then must buy a surety bond for {$340.00} in case someone cashes the check. They said I could just wait 91 days and they could issue a new check. 

I asked why they could not just re-deposit the funds electronically, they just said they could not. I do not believe this. 
The account closure happened XX/XX/XXXX it is now XX/XX/XXXX with no resolution. 

Please keep in mind they could have just called or emailed me to change the address, but they chose to close the account without any notification. 

Wells Fargo branch is XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX Texas. 
The account is a small business account 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 explanation
Consumer complaint received 2022-10-13
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:
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.

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 2018-11-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As with my previous contacts with you all I have stated that I am in the nursing home and I have been in one for a number of years due to a XXXX XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Prosper Marketplace, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Prosper XXXX is the company I am having problems with. I noticed a fraudulent charge from Prosper on my checking account so I called the bank and had to block any and all purchases that were under $ XXXX. Prosper then started sending me emails telling me that my account was delinquent. I called multiple times and they confirmed that I do not have an account. I continued to get the emails and I continued to call. I reported fraud to them and requested that they stop sending emails. On XX/XX/XXXX they sent an apology email saying the account is closed and there is no balance. I do not know what account was closed because I did not have one. They could not find an account associated with my name, birthdate or social security number. The reason I am reaching out to you is that this was reported to the credit bureaus and I try very hard to keep up with and establish a good credit rating. Any help you can provide is greatly appreciated. 

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 2023-08-07
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: Early Warning Services, LLC
State: TX
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:
I have contacted XXXX XXXX and Early warning system about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello : We refinanced our home in XXXX of XXXX with Santander Bank ( which lended and serviced our old mortgage and new mortgage ). At the time of our refinance, we were informed in the closing disclosure documents that our Escrow balance was close to {$2000.00}. From our own look at the sparse information available to us XXXX our monthly mortgage statement ), we know that on XX/XX/XXXX, there was {$2400.00} in escrow. On XX/XX/XXXX, Santander paid our quarterly city taxes, an amount around {$2000.00}. That should have still left {$440.00} in our account, PLUS, the escrow payment we made on XX/XX/XXXX in the amount of {$890.00}, bringing the total escrow balance on XX/XX/XXXX to around {$1300.00}. We received a check in late XXXX for {$190.00} that supposedly satisfied our escrow balance. Therefore, we believe that we are owed approximately {$1100.00}. ( Note that we are attaching our XX/XX/XXXX Mortgage statement as well as our mortgage payment breakdown ). 

In XXXX, when we received this check that was far less than what we are owed, we spoke to the mortgage officer, to our local banker, to multiple people in customer service. They put us off repeatedly, telling us in XXXX to wait until XXXX to receive a mortgage escrow analysis. The escrow analysis did not turn up the missing money. We called multiple people AGAIN to ask for a detailed month by month accounting of how much was in our escrow for XXXX, and Santander has not given us that information, even though we have called to request it multiple times. The most they have given us is a general statement of the amount we paid INTO our escrow each month, not a full accounting of what was taken out, what the balance is, and what we paid in. We want a detailed accounting of our escrow account ( what was put in and taken out ) for all of XXXX and XXXX, so that we can see the exact amount owed to us. We then need a refund of that amount back to us WITH INTEREST. The fact that there is no transparency on this is very disturbing to us, and we are planning to move our money away from XXXX in 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 2023-05-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by Nissan Motor Acceptance Corporation/Infiniti Financial Services XXXX NMAC/IFS ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had w

ith NMAC/IFS. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that NMAC/IFS reported negatively against my credit report, which, given my payment history, I believe to be erroneous. To further complicate matters, NMAC/IFS delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by NMAC/IFS has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history.

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We purchased home in XX/XX/XXXX. The house was XXXX until the end of XXXX. Pennymac knew this. XXXX Taxes were unavailable to Pennymac and myself until XX/XX/XXXX. In XXXX XXXX Pennymac was unable to collect tax bill due to TBA so they sent me notification that they were unable to do so at that time. I have been paying into my escrow every month, doing my part of the obligation. Pennymacs obligation is to pay the taxes from my escrow account. I assumed in XX/XX/XXXX when XXXX tax bill became available that Pennymac would pay it because the loan agreement said that and the Pennymac app said it would. However, Pennymac never paid the taxes. They did not notify me that they didnt pay the taxes until XX/XX/XXXX. Due to the delay, the account accrued penalties and fees. I was unable to pay for those taxes because that money was in the escrow account. Pennymac was obligated to pay them and they didnt. I finally was able to get Pennymac give me the money from my escrow so I could pay taxes myself. I then had to pay the fees and penalties that accrued. I asked Pennymac to reimburse me given they did not do their obligation but they refused. They said because they sent an email in XX/XX/XXXX saying they couldnt pay tax bill yet, that that absolved them from paying the taxes and it was now on me to figure it out. Again the loan agreement clearly states Pennymac pays on borrowers behalf. They treated me unprofessionally. Due to this issue we have struggled financially as the penalties and fees were significant. This was clearly a breach of contract and obligation by Pennymac.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NV
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:
Cease and Desist wrongdoing conduct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX Notice of Dispute To whom it may concern I am demanding verification of this alleged debt obligation, I have know knowledge of the said accounts. I believe this account is fraudulent. I believe the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of XXXX5 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in consumer that a person other than the Creditor such consumer is participating in the collection of or in an attempt to collect a debt such consumer owes such creditor, when in fact such person is not so participating. The term Creditor according to 15 1692a ( 4 ) means any person who created the debt I believe my signature on the credit transaction created the debt therefore makes me the original creditor. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX believes I am in error I demand verification under penalty of perjury that I am not the original creditor. Lastly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; andI demand an affidavit signed under penalty of perjury verifying the name and address of the original creditor the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have a logo affixed to it and that is

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 2019-11-27
Company: EQUIFAX, INC.
State: OH
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 a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: GA
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:
I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. 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 According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
unauthorized account are being reported on my file and i would like them to be removed

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