BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my TransUnion account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 

I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX. THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked for the credit bureaus to verify accuracies of what they were reporting and they claim it is all correct. Upon further research on my end, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 Section 602.A states I have the right to privacy.

15 U.S.C 1681 Section 604. A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I wan na know if Wells Fargo scam me has well and I still have an account with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All credit reporting agencies are missing monthly status reporting history from over 48 student loan accounts, credit cards and missing correct address information and its not producing a credit score even when viewing with credit freeze code and/or temp lift to view report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to get a modification in order to keep my house, originally I was approved and then they stated that I did not qualify and was no longer eligible to try to get a modification. This resulted in them attempting to foreclose on the house, of which I had to sell under duress in 2018 to avoid the foreclosure. 

This has caused a longer term hardship as now my rent has been higher than my mortgage payments and I have lost all the equity that I would have had in the home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I want to transfer funds from my GoProgram account to my bank account but am unable to do so. GoProgram instructs cardholders to initiate transfers by calling their customer service number or visiting their website, but both options do not provide/list the option to do so. I am unable to reach a non-automated operator and would appreciate assistance. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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:
I have written and sent correspondence via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to Equifax on XX/XX/XXXX   advising of several inquiries and accounts fraudulently reported on my credit report ( by the company ). A Federal Trade Commission report ( specifically, a Police Incident Report - # XXXX ) was filed and provided to Equifax in the same manner. Likewise, Lastly, I initiated a claim with the CFPB on XX/XX/XXXX  ( Case # : XXXX ). Included in my submission to the CFPB was the entire correspondence packets inclusive of Drivers License, Social Security Card and Police Report as sent to Equifax. From the time of its receipt of my correspondence on XX/XX/, Equifax had four days, according to the law, to remove these items. Instead of these items being removed, I received correspondence ( see attached ) from Equifax dated XX/XX/XXXX  stating they were unable to locate a credit file in their database and requesting that I provide additional documentation to verify my identity- ALL OF WHICH WAS PROVIDED IN MY ORIGINAL CORRESPONDENCE SENT TO EQUIFAX AND RECEIVED BY EQUIFAX ON XX/XX/. THIS INCLUDED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I also received correspondence in response to my previous filing of the same claim stating that the reported items were found to be verified. Equifax is obligated by the FCRA to accurately verify consumer data prior to it being reported. I am now requesting Equifax to provide documentation used to verify these accounts and inquiries were indeed authorized by me. Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with my signature in wet ink. Please be clear, I am not asking for an e-Oscar report. If Equifax does not have the documentation as requested to show these accounts and inquiries were in fact authorized by me, per the law, they MUST be removed ASAP. Equifax is liable under the SEC to follow certain rules. The Equifax Commission file number is XXXX ; its Tustees are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I will also be filing OMB Treasury Form 211 to request an audit of the consumer file. Lastly, Equifax is securitizing consumer data, yet refused to provide me with a copy of the consumer file ( not the consumer report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..

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 2021-08-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi there, On XX/XX/XXXX I had someone call me saying they were from my bank and they were working with Coinbase to secure my account as it had been compromised. They knew my account number and date of birth as proof, and told me that they were working with Coinbase to set up a new external wallet, and that my coins had to be transferred there before I lost everything. 

I want to be clear that throughout no part of this did I share my password, any XXXX code or download/install any app or software on any of my devices. My phone has not been lost or stolen at all, and I use a strong password including letters, numbers, and upper/lower case characters. The two transactions on XX/XX/XXXX ( of Bitcoin and Ethereum ) from my account were to a scam wallet address, and the cybersecurity breach continued on XX/XX/XXXX when they sent what remained of my Ethereum to another scam wallet address without me even being logged in. I have receipts of the texts and calls I received from these scammers, and recorded part of the conversation for evidence. 

The below transactions were all part of a scam and cybersecurity attack, with the first ( and most recent ) happening this morning despite having XXXX fully enabled on my account. I have email receipts for each of these transactions, too : 1. XX/XX/XXXX : 2.XXXX ETH to XXXX 2. XX/XX/XXXX : XXXX BTC to XXXX 3. XX/XX/XXXX : 5.XXXX ETH to XXXX To provide additional information I have been in touch with Action Fraud, the police and my bank account to notify them about this which all happened within the last 3-4 days, and I have a case number which I can provide to you if necessary, too. 

The loss of funds has been exclusively from my Coinbase account, with none of my other personal accounts having been subject to a scam/cybersecurity breach. I have raised a case and complaint with Coinbase, but have yet to hear back on this ( Case # XXXX, Case # XXXX, and Complaint # XXXX ). 

I can prove that I as the genuine account holder still have access to my email address and provide any form of authentication necessary, including a photo of the front/back of my ID or passport if needed for your own security purposes. 

Please do assist me with this if possible, as the three transactions listed here total to a significant amount and has left me devastated as a result. For the time being I have requested my account to be disabled to prevent what little is left from leaving my Coinbase account. 

XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed there are fraudulent and unauthorized inquiries on both my XXXX  report and XXXX  report. I am a victim of identity theft. The companies who fraudulently placed a hard inquiry on my report are XXXX XXXX XXXX XXXX, Credco and XXXX. 

These inquiries need to be removed or further action will be taken.

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 2023-11-08
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 14 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
NOTICE OF FAULT-TransUnion is in continual reporting of incorrect erroneous information making false claims on my consumer report on a mortgage which is a not late. TransUnion is not reporting in uniformity with the other credit agencies on this report and is in violation of the federal credit act and statute 1692. I will now be demanding certified information to be sent by certified mail. In the event, this erroneous information is not corrected and not deleted I will seek counsel. This needs to be deleted immediately as it stands now there is liability for possible irreparable damages and stultification of business and private issues at hand.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Submitted a request to investigate collection account XXXX XXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: VA
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 submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-04-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX XXXX unauthorized XXXX payment of {$1000.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$1000.00} I called wells fargo XX/XX/XXXX immediately XXXX XXXX woke up and saw my account drained at XXXX to report fraudulent withdrawals. 
I again called wells fargo on XX/XX/XXXX at XXXX to check the status of my claim, and they told me their investigation could not prove that there was fraud, and that they would not refund my money. 
By not taking the appropriate action, or letting me appeal their " investigation '' they are complicit in theft.

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 2021-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices about {$1200.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my job with XXXX  and called them they dont care they are ruining hurting my credit score by reporting me delinquent for so many days but wont accept a settlement or offer me one to satisfy this debt with them I cant afford to pay them the full balance when Im not working all they offer is payment plan but I want a settlement to get rid of them {$500.00} but they wont settle with me so how am I supposed to work with them and how much longer for them to offer me a settlement in this amount they have to take a loss

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: United Shore Financial Services, LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Had property taxes wrong. The property insurance has been a issue for 5 Months.. Company put lender insurance on the property, I now have XXXX policies. I had to place place a new insurance policy in 2021 because the firm had let original policy lapse. .The lender insurance policy purchased did not cover the property replacement value and non coverage for personal property. I have tried to make contact through the VA, XXXX XXXX XXXXt, the servicer ( XXXX ) more than 10 times and no response. No body home. Help!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
I paid off my full credit card balance of {$6800.00} on XX/XX/. After the payment was cleared, I then called XXXX to close my credit card on XXXX XXXX XXXX The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XXXX XXXX XXXX XXXX business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. XXXX months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. XXXX is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that XXXX charged their fees XXXX business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.

Company response to consumer: Closed with non-monetary relief