BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: WELLS FARGO & COMPANY
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:
Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company Wells Fargo is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15. The complete disregard of my lawful documents and rights will not be tolerated.

My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by Wells Fargo. 

I will give 10 days as a courtesy for XXXX 's at your agency ( Wells Fargo ) to review the documents I provided.It would be the Wells Fargo 's legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. 

Attached to this complaint is a Validation of Debt, A Affidavit of Fact, and Invoice that is due on 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.

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 2023-01-14
Company: Experian Information Solutions 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 bXXXX I have been current so I don't want that to continue to affect my scores. 

CREDITACPT 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 2022-08-30
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX has violated my privacy rights pursuant to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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:
I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. 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 mode 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 not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
UCC Title 15 sub section 1692e. States a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, have all failed to validate the validity of the debt allegedly owed. They are also violating TITLE 12 U.S code 83, which states No national bank shall make any loan or discount on the security of the shares of its own capital stock. So to fix this inaccurate information on my consumer report i would like for all account to be removed and blocked until i receive proper VALIDATION OF DEBT mailed via certified mail.I would also like to be monetarily compensated for the inaccurate information being furnished on my consumer report due to the mistake i would be expecting this dispute to be resolved with monetary compensation if not i will be taking further actions thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-04-06
Company: EQUIFAX, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXXXXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX Equifax : XXXX, has violated my rights.

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: ACIMA CREDIT, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account from a lender listed multiple ways on my report ( ACIMA CREDIT FKA XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT XXXX and ACIMA CREDIT XXXX  ) on XXXX XXXX in which I immediately contacted the credit report bureau ( XXXX ) to dispute this matter as I have never requested a line of credit of any sort from this lender. The inquiries were removed by the agency ( 1 REMAINED ) which prompted several rounds of dispute which were not resolved to my satisfaction in which my report updated with the following remarks, " he companies that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. The most recent update. '' The account originally appeared as " LATE '' however now reflects as charge off after speaking with several customer service reps from the company. I was able to obtain the rental contract which does not reflect ANY of my information ( address, signature, phone number, email. etc ... therefore was not properly investigated, reviewing, verified and/or validated. Please see all attached information including several communications with members from the ACIMA company. Per the XX/XX/2021 XXXX Dispute Results ( Report number XXXX ) Assistance from the CFPB

is warranted in this matter. Thanks in adv
ance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since loans inception ( XXXX ), an erroneous filing of multiple parcels associated to this property has made my taxes to have been paid incorrectly. I have made 20+ phone calls to the lender regarding a significant error resulting in over {$10000.00} dollars of escrow shortage of which the lender has not rectified and is continuing to charge me monthly for their error. They have doubled my mortgage payment for the past 9 months. I spoke to a customer rep who told me that they paid a {$6000.00} tax bill in XXXX of XXXX through my escrow and a third party billing company ( XXXX  ) and was told to ask the auditor why it does not show as a credit to the property. Firstly, my property taxes for this home is {$1200.00} a half due and paid XXXX and XXXX so an XXXX payment is a huge red flag alone as well as the excessively large amount sent that was supposedly requested by the auditor. I have been in constant communication with the auditor who is just as confused as i am. I own several properties in this county and she researched all of my properties and has not seen any credit or payment received as stated by UWM for any of them. There has been ZERO communication from UWM to me regarding my multiple requests for further investigation and remedy. Every time i call UWM, I have to explain my situation to the rep and have been told that UWM did their own investigation and closed my request for expedited intervention,. No call or email or hard copy acknowledgement has been received by me from them. Every time i call I have to start over again. I have been trying to rectiy this sitatuion with them for over a year now. This all began XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: VA
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 account a medical bill on my credit report that services was giving to and they have me as responsible for someone that I dont even know .. This account does not belong to me and I dont know who the other person that the services was giving to but I need this removed from my credit report cause this account does not belong to me and I am not held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My business checking account has been frozen by Capital One Bank since XXXX. When I called into the small business customer support, I was transferred to the fraud division who told me that I need to submit information regarding the eligibility of my business for an SBA EIDL loan that my business received in XX/XX/XXXX. I was also told that the SBA has asked Capital One to conduct the review on its behalf. 

However, despite repeated requests via phone and e-mail going back a period of over one month now, Capital One has refused to send me either in writing or via e-mail what documentation Capital One are requesting for this review. I was asked to email XXXX which I have done several times without any response. 

In addition, my personal checking and savings accounts also held at Capital One have been frozen and I can not even login to my Capital One account to review statements or otherwise manage my account. These accounts have no bearing on any review that Capital One is conducting on behalf of the SBA. 

Capital One needs to confirm in writing what documentation is being asked for and what the legitimate reason for this review is. Why have I not received any communication from Capital One on this matter? I had to call in to even get the little information that I have now. 

As a result of this account freeze, I am not only unable to conduct business, but I have had bill payments scheduled to my personal account fail costing me fees and potential hard to my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had Equifax drop my credit score by 74 points. I believed that there was an error. 
I called to ask for a credit report and they said that I had one this year and I would have to pay for it. 

I told them that the questions they were asking did not pertain to me. My first name is XXXX, they asked about XXXX. The had me having a car load in XXXX and a mortgatge in XXXX. I have neither. The equifx representative laughed at me when I told him I believed the law stated If incorrect info was on my report I could ask for another. He laughed and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and Experian are in direct violation of the FCRA and Gamm Leach Bliliey Act of 1999.

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 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Via ATM, I deposited 2 checks on XX/XX/21 from XXXX XXXX for damage to my roof following Hurricane Ida. I didn't notice there was a co-payee ( XXXX, reverse mortg ). Capital One cashed checks but froze money. Since then, I've been speaking with Cap One, XXXX XXXX and XXXX, all to no avail. Cap One insists XXXX, as initial remitter ( 1 ) do a stop-payment ( checks already cashed, so no can do ), ( 2 ) do a reverse payment and recover the funds, or ( 3 ) XXXX can do hold harmless letter. I've spoken w/ people at XXXX and XXXX  and Cap One and haven't been able to get anybody to budge. I'm the correct recipient but I didn't see XXXX was co-payee. ( My bloody mistake!!! ) Nevertheless, I've tried to follow all suggestions and nothing has worked. Meantime, my money is sitting in the bank frozen, for more than a month. And my roof hasn't been touched. 

I made a mistake. Bet I'm not the only one. But the fallout from this mistake has been never-ending, energy-sapping and just unbearable. I imagine I'm not the only one who made this mistake. The fix for this mistake is onerous. In fact, that's too small a word. Life-sucking is more appropriate. 

The attached document gives all the particulars. I'm waiting just now to see if XXXX is willing to do a reverse payment to recover the funds. I don't understand why it's so complicated. I feel I'm being batted back and forth between powers greater than I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: HUNTINGTON NATIONAL BANK, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation