BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
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:
On XX/XX/2019 I filed a police report because I noticed fraudulent activity on my credit report. This is an on going issue with fraud on my identity. I have multiple fraudulent accounts that still remain on my credit report and due to these fraudulent accounts my credit report has been negatively impacted severely. These three credit bureaus, ( XXXX, XXXX, and XXXX ) have been reporting fraudulent accounts without the proper legal validation as per the Federal government. Once my identity was exposed, fraud has been reoccurring from the lack of proper screening by XXXX, XXXX, and XXXX  on these non validated accounts.. Before I proceed to litigation and start my filing of an order to show cause through the courts, I demand these fraudulent accounts be removed immediately. I have been advised by my local police department to file these complaints as the next step.

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 2019-03-25
Company: CORELOGIC INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX CoreLogic SafeRent, XXXX XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, California XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 
Sincerely, 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 2023-12-10
Company: EQUIFAX, INC.
State: MD
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:
Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S Code 1667a - Consumer lease disclosure XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX  Account Number : XXXXXXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
US DEPT ED Account Number : XXXXXXXX   This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : XXXXXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX  XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
Wells Fargo Credit Reporting Crime Wells Fargo Credit Card Fraud Department Purposely reported incorrect and incriminating information to the XXXXhree major credit bureaus to trash my credit score. 
After several months and more than thirty instances of hacking into everyone of my WF accounts my wife and I decided to leave WF for a new bank. This was after more than 25 years with Wells Fargo of effortless and loyal banking. We had to get away from a situation that left us severely sleep deprived and uncontrollable anxiety in the case of my wife. The hackers used clever hacks to move money from one account to the next and then buy thing like crypto currency from my check account. WFs fraud departments were structure according to the account types and simply could not deal with this situation. They would solve it by just replacing the lost funds. The internet banking app was easy to hack into and that is how most transactions occurred. 
The credit card fraud department were very bad and unable to stabilize the balance so that we could pay the outstanding balance to close the account. In a desperate effort to block out the hacker, they decided to close the account completely and create a completely new credit card account. They committed to sending the new credit cards overnight. That did happen as promised, a new card for me, one for my wife and one for one of the hackers XXXX XXXX were in the XXXX  envelop. 
After trying various things to stabilize the account and determine what we were responsible for failed, we decided that we will just pay the full amount and close the account. That turned out to be more difficult than we expected. It took all morning to get an amount to pay and once we did, there was no senior banker to close the account. We went for lunch and came back when the snr banker was supposed to be there. He started the close, but could not because the balance was no longer zero. I told him everything we had been through and he laughed non-stop for a while, then said : I knew we were bad, but I never realized we were this bad! 
When by monthly CREDIT REPORT UPDATES came, I was shocked to see a drop of more than XXXX points on all major bureaus. I called XXXX immediately and they identified the cause as a report from Wells Fargo Credit Card. It reported various late payments and stated that the account was closed because of delinquency!!!! 
My wife still suffers from severe anxiety  and sleeplessness. I have suffered financially as a result of the damage they caused to my credit history.

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 2023-06-26
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been getting phones calls from this company Harris and Harris about owning taxes. The issue was the taxes were paid before they ever even tried to contact me. I told them on the first call to send proof of the debt. And to not call this number again. Now I get XXXX calls ever day.They are putting account services as the caller id. They refuse to provide any info, Just demand payment right then. Even threaten to take my house! They have been rude, even when advised the debt is not owed. They were asked for written proof of the debt over 30 days ago. And to dated still have not received it! They have provided false statement and tried to add fees not in our state contract with them! They have threaded to call my work and inform my boss I am committed crimes. They have threaten to take my house, and sue me. Report me to credit to ruin my good credit as the put it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: DE
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 checked my credit report and saw I had 3 late payments on 3 different accounts on all 3 of my credit reports. Upon checking with the creditors XXXX XXXX XXXX XXXX XXXXXXXX, I saw that I did make the payments. Once I downloaded the 3 statements proving I made the payments and it was within the 30-day time frame, I submitted the dispute and the statements showing the payment. I submitted it on XXXX and it was " completed '' on XXXX. then I called and when the agents I spoke to weren't able to give me any information about the investigation they said they could resubmit and I could upload the documents again. I submitted it on XXXX and then again it was " completed '' on XXXX and the late payments were not removed. not only were they not removed but I again could not get any new information about how it was completed so fast.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I dont recognize these accounts and inquiries except my recent vehicle purchase and 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 2023-01-06
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:
I am a victim of identity theft. I dont recognize these accounts and inquiries except my recent vehicle purchase and XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
capital one refused to increase my credit limit on my credit card. in XXXX of 2021 for credit score being too low this is violation of the XXXX and violation of my consumer rights. This is actually an adverse reaction toward me by capital one and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act the following companies 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any Reason. Account name XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account number XXXX Account XXXX XXXX XXXX XXXXXXXX Company Account XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account number XXXX Account XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX  Account Number 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 2019-03-25
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, My mortgage lender checked my credit ( as we were closing on our new house on XX/XX/XXXX ) and noticed a new collection account on there from Diversifed Consultsnts for {$770.00}. The last company that had this account I spoke with back in XXXX and told them I was going to pay after I closed on my house bc I didnt know exactly how much closing costs I was going to need out of pocket. Then, all of sudden without any written notice by law from the mail that this now company, Diversifed Consultsnts has the account and shows up on my credit report right before I was supposed to close on my new home!! If I knew by writing or even that if I knew at all that the account was with another collection agency, I would of called them to make arrangements to pay like I did with the last company. After talking with them on XX/XX/XXXX and telling them I never ( by law ) received anything in the mail, the company that SAME DAY XX/XX/XXXX ( see attached letter ) sends me notification after telling them I NEVER got anything via mail ( it was Reported on my credit just one day prior to calling them ). I called them to pay the bill and to see if they would kindly take this off my credit since they reported it before giving me a chance to even pay it or notify me, she told me that they do not remove collections from credit reports even after the fact that they broke the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sir or Madam, My name is XXXX XXXX XXXX and a client of Bank of America for XXXX years. I currently reside in XXXX. I want to file a complaint against Bank of America due to their improper conduct towards me, their lack of responsiveness and the incapability of dealing with my claims. 
On XX/XX/2022, I submitted my complaint to the Federal Reserve, but they instructed me to submit it here. 
The bank branch is located in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX. Phone ( XXXX ) XXXX. 

Since I reside in XXXX, I am being helped by XXXX XXXX, who is my mother in-law and resides in the US. 

To better understand what I have been going through with the bank, please read the attached chronology and documentation.

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 2020-11-05
Company: Experian Information Solutions Inc.
State: AK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted Experian on XXXX XXXX discovered account balance on Paid account listed over 900 dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with XXXX  via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XXXX XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.

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 2022-12-07
Company: EQUIFAX, INC.
State: NH
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:
I sent the credit bureaus letters asking them to verify correctly.My credit report is still showing inaccuracies.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Wire transferred $ XXXX to COINBASE to invest in CRYPTO XX/XX/XXXX & with some difficulty fulfilling all requirements account established & purchased crypto. 
XX/XX/XXXX, wire transferred another $ XXXX, followed same instructions & they received, & after three cases XXXX on XX/XX/21, another case XXXX on XXXX, last Case on XX/XX/21 XXXX, each time calling them on the phone & waiting over hour n half only to be told that everything looks fine & didnt see any problem & each time told couldnt resolve issue after some investigation & told me they would forward to higher authority to release account to enable me to use wired money to invest in crypto as I requested. 
NOW, going on 30 days holding my money without them offering any understanding of why wont allow since already invested the XXXX wire transferred on XX/XX/XXXX? 
The last outcome after calling once again, said hold time 30 minutes but took TWO HOURS, representative said she once again didnt understand why after her investigation was not able to trade??? She said she would consolidate all three cases to higher authority that would only communicate through email only after there complete investigation. 
Totally at my whits end with what can be done?? 
REQUEST to either allow me to trade or wire transfer my funds back to my financial institution. 
Email XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Cell # XXXX My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, Experian & XXXX asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
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 U.S.C 1681. 

Account - ( XXXX XXXX ) Account number ending # XXXX, & ( XXXX XXXX ) account number ending # XXXX, & ( XXXX XXXX ) account number ending XXXX. 

Account - ( XXXX XXXX XXXX XXXX ) Account number ending # XXXX, ( XXXX XXXX XXXX XXXX ) account number ending # XXXX, ( XXXX XXXX XXXX XXXX ) account number ending # XXXX, & ( XXXX XXXX XXXX XXXX ) account number ending # XXXX Account - ( XXXX XXXX XXXX ) account number ending # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed Transunion, XXXX   & XXXX asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted 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