BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX  XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXX Date Updated : XX/XX/2020 XXXX XXXXDate Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
A credit card from Capital One is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified Capital One that this is not my account and i don't want to be on anyone 's card. However Capital One continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US AUTO SALES went out of business recently. Without my knowledge or consent they refinanced my car and gave my loan to a different party. They edited my credit information and said Ive only paid on my loan since XXXX of this year XXXX. I first got the car in XXXX of last year XXXX. Due to the company filing bankruptcy the property is legally mine, but they are making me pay their debt to a debt collection agency, Westlake Portfolio Management. Earlier this month, they double charged my credit for the vehicle making my auto loan XXXX. They then closed my original loan with US Auto Sales with my payment history and transferred it into debt collections. I was informed by Westlake Portfolio that there is nothing I can do and just pay it or they will repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
*Racketeering and RICO violations complaint of Shellpoint Mortgage Servicing* *On XX/XX/XXXX I submitted a complaint ( Complaint # XXXX ) about Shellpoint Mortgage Servicing, LLC XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Phone number : ( XXXX ) XXXX * My main complaint, of multiple complaints was that the former owner of my mortgage ( XXXX XXXX XXXX ) had already agreed to do an " assumption of novation '' in order to simply remove my ex-spouse 's name off of the mortgage. I was told Shellpoint Mortgage Servicing, LLC would be require to preform the simple task of a " assumption of novation ''. Instead of addressing this directly, they are saying that the divorce judge requested I refinance the home. The judges orders are that I simply have my ex-spouses name removed from the mortgage deed. The judge does not care how this is done and a assumption of novation is the easiest way to accomplish this. 
*Shellpoint Mortgage Servicing, LLC is not even a true mortgage lender, but is a debt collector mortgage foreclosure company. They have little interest in " servicing '' your mortgage. They only want to charge you over the top interest rates and then their finale goal is to take your home. Example : A year and a half ago my ex-spouse requested a modification with XXXX XXXX XXXX. She got it.It 's now owned by Shellpoint. We were only behind around {$8.00}. Only {$8000.00}! My wife and I were coerced into this insane modification by XXXX XXXX XXXX! We were told that we had to do this modification because otherwise, they would start foreclosure proceedings immediately. I'm claiming racketeering/RICO violations here. We only owed XXXX {$8000.00}, but the modification charges me {$800.00} a month for 5 years ( 60 months ) which they admit. That's over {$46000.00} for a {$8000.00} loan. See RICO violations. 
*I am willing to overlook this for the time being if Shellpoint gives me " assumption of novation '' to remove my ex-spouses name from the mortgage which my lawyer says is okay with the divorce judge. That's what I need done ASAP please. As I was promised. * The response to my initial partial complaint # XXXX that they never reported any late payments to any credit reporting agency is a partial lie by Shellpoint. They may not have reported it, but the mortgage companies I've contacted about refinancing call Shellpoint and are told I have multiple late payments. Thus, I am unable to refinance my home ( Even with 18 months of on time payments and a high income! ) because of Shellpoint 's saying I have late payments which is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MA
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:
The company keeps reporting my account as a late payment after admitting their error. 

They have corrected it twice and last week they posted it late again. 

I am up to date and current on my payment.

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 2022-12-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-24
Company: Experian Information Solutions Inc.
State: MI
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 : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete From 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 2023-08-24
Company: Experian Information Solutions Inc.
State: IL
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 noticed a XXXX XXXX XXXX XXXX XXXX I have no idea why this is being listed on my report and it should be removed. I recently investigated this with XXXX XXXX and I sent in the results stating that it was removed below.

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: 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Please remove it from 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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2023-09-23
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : Discover Account XXXX XXXX XXXX Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XXXX XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XXXX XXXX XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balances on this account are incorrect. The accurate balances are {$1000.00} and {$700.00}. I respectfully request you to verify and validate all data associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My phone and credit cards that attached to my account was stolen and used by the Thief. they made two transaction that was not authorized on my behalf on my account .they send my money to other accounts that I cant see anymore but I Reached out to cash up multiple times they declined my dispute. Didnt really give information on why it was declined. It just says a payout and a recipient names. also, reached out to customer support with Cash App Multiple times. Customer service reps was really rude hanging up the phone wont let me talk to the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hi my name is XXXX XXXX i opened my checking account with wells fargo trough the website on XX/XX/2023 and after a while i deposit a cashier check under my name from another institute ( XXXX ) and i withdraw some money in person from inside of branch and even i paid my office rent on XX/XX/XXXX  ... but suddenly on XX/XX/XXXX  they put hold on my account with all funds that i have without any notice or letter or email to me it was my only checking account and all the credit payments and bills were set up with that account and all of them declined my credit score crashing down i called what's happened they said you have to go bank in person!! they ask about my immigration status i provide my permanent residence card and social security and driving license they said we need additional documents ( XXXX declaration form ) i did initial and signed for them on XX/XX/XXXX   for wellsfargo in XXXX XXXX XXXX  i was ready for removing hold on my account but they did nothing they said it's gon na take time to review and you got ta wait we can't give you your money back or even close your account you just need to wait i literally need my money that's all i have... they don't respond to me as well i believe in the only reason they put hold on my checking account is i opened my checking account online however i properly input my all information such about i'm from XXXX i have permanent residence card and my social security number but they put hold because they said we need more additional documents ( XXXX declaration form ) for XXXX  people my problem is you shouldn't open my bank account through the website when i provided for you i'm from XXXX on the online website forms, you could simply show the massage you are not allow to open checking account through website please go to nearby wells fargo branch in order to opening any bank account... today is XX/XX/ my account is still freeze and they don't respond me as well please have a consideration for me thanks my phone number is 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 a : 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 an account without my written instructions. 

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX XXXX  or an attempt to commit aggravated XXXXXXXX XXXX or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. 
Also the Credit bureaus took more than 30 days to complete my investigation.

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 2023-07-24
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 #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/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 2022-10-12
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is about Mohella ( XXXX ) and XXXX XXXX  closings I have had loans from XXXX XXXX XXXX and XXXX XXXX  over the past 7 years. 

XXXX is now closed and lost accreditation a year ago. 

XXXX XXXX XXXX lost accreditations I have about XXXX im loans and can not benefit from education, years time and money spent. I was defrauded by the school. Unaware of it state and any closings which happens abruptly. 

I should not be responsible for any loans and its should be cancelled immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation