BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: ARVEST BANK GROUP, INC.
State: CA
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:
I hired a company called XXXX XXXX to monitor my credit and to protect me from Identity theft. 
On XXXX, I was informed by XXXX XXXX that Arvest Central Mortgage company has reported to the Credit Bureaus that XXXX of my accounts is in major derogatory. I don't have an account in major derogatory, and all my mortgage payments are paid on time. The incorrect report from Arvest to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed for bankruptcy 16 years ago. However, my mortgage was not included in the bankruptcy. My mortgage with Wells Fargo used to be reported under their company America 's Servicing Co as paid and current. After my bankruptcy, Wells Fargo took over the loan. Wells Fargo is refusing to update or report my mortgage to the credit bureau. This has resulted in me not being able to ReFi or sell my current mortgage. My bankruptcy was discharged approximately 16 years ago. Wells Fargo is refusing to update and report my credit history. I would like for my Mortgage to be investigated and reported accurately as it did before the Bankruptcy.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: WI
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. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX 
Washington, D.C. XXXX Ref : Mortgage with XXXX / Mr.Cooper Mortgage Escrow dispute Date : XX/XX/XXXX To whom it may concern : I am writing to you for your assistance on my existing 20 year mortgage. I originally signed my mortgage loan with XXXX XXXX on XX/XX/XXXX. XXXX XXXX was bought out by XXXX XXXX XXXX which took over my loan. Then in XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to XXXX, and a few months ago, I was notified that Mr.Cooper ( affiliated with XXXX ) was now my mortgage company. Throughout these changes of mortgage companies, I have never been late or behind in any payments, and presently up to date with mortgage payments, property taxes and insurance payments, and will continue to demonstrate that consistent payment history until all mortgage obligations are completed in XX/XX/XXXX. 
My originally contracted loan with XXXX XXXX was for me to pay my property taxes directly to my municipal thein N.J. I have done so consistently for the past sixteen ( 16 ) years without any problems. Last month, Mr.Cooper who just took over my loan, decided to start an escrow account, without notifying me of any cause. I strongly objected by calling Mr. Cooper last month, and was told by a customer service agent, to send in my concerns in writing with documentation to a fax # ( XXXX ) XXXX XXXX, which I did on XX/XX/XXXX. I also sent the same letter & documents via XXXX, package # ( see attached ), a few days later. After a week or two of not hearing any reply from Mr. Cooper, I called to follow-up and was given no solution and hung up on the first time, and left on hold the second time for longer than 15 minutes at a time during the conversation. 
I have included all necessary documents for your review and ask your assistance on this matter. I am asking that they honor the originally contracted agreement, and I continue paying my own property taxes and the escrow be removed. To date, I have paid the first two ( 2 ) QTRs of XX/XX/XXXX. 
My mortgage will be completed in approximately four ( 4 ) years, XX/XX/XXXX and ask  that Mr. Cooper in no way modify or change my contracted mortgage until its completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX 2022 received an email from chime saying that the phone number on my account was change and I immediately respond to them that I did not change anything in my account, hoping they secure my account, that was around XXXX. at XXXX XXXX I went to buy something and my card was denied for insufficient funds which was odd because the night before deposited my check. I called them to find out that there was a 5 transactions that did not made or authorized by any means. Chime block my mobile app so I can not do anything and they claim I am responsible for the charges which I am not and they do not give me any proof of that and I every time I called they transfer me to a different department and not giving me any solutions, they have no mercy even I told them I do not have any money for gas or food to pay my rent etc. Also they sent me a new debit card that I can not use because they can even help me to change my pin and I do not Understand what is wrong with them, please help me I am desperate I have a sick wife that depend on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$1700.00} XXXX {$0.00} XXXX {$100.00} TD XXXX  XXXX {$8500.00} XXXX {$300.00} AD XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX -Balance {$2700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe CREDIT CONTROL CORP for any services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MS
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 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXXXXXX XXXX XXXX, account holder ( " Owner '' ) paid off the balance of their Capital One Visa card. Owner and one relative were card holders ; both parties cut their cards in half in XX/XX/2022 and they did not add new charges to their cards after the final payments. Owner overpaid CapOne by about {$24.00} because he did a debt consolidation loan, but with the timing of the loan, he decided to also do the minimum payment required by CapOne in that billing cycle. That is the origin of the {$24.00} overpayment. After confirming the payoff amounts appeared on the XXXX statement, on XX/XX/2022, Owner phoned CapOne to inform them he wished to close the account, and he requested the {$24.00} refund. CapOne refused, citing " security issues. '' Owner asked, " what security issues, you have no issues deducting funds from my checking account for your payments, just send me a credit back to the same account you are paid from. '' CapOne staff refused, would not explain " security issues '' further, and instead, insisted that Owner provide photo ID and fax it to some phone number. However, Owner was not satisfied with the security arrangements for this request and refused, mostly with concerns about identity theft, since the background noise of the CapOne representative did not sound like a professional environment. Owner also told CapOne rep he refused responsibility for any charges after the XXXX pay off. A few weeks later in XXXX, after receiving the CapOne XXXX billing statement, which still showed a credit balance, Owner wrote a letter to CapOne directing them to close the account. As of XX/XX/2022, CapOne has still not closed the account, continues to send monthly statements, but the most recent statement appears to have zeroed out the credit balance due to Owner. Owner wants the account closed ASAP and refuses responsibility for any charges after the XX/XX/2022 pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00}

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 2021-11-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a text message without providing consent from Wakefield and associates. They advised me that they are collecting a debt from XXXX XXXX XXXX XXXX. i have no idea who this is. They told me that they are XXXX XXXX XXXX XXXX. I am requesting a full itemized bill for this supposed debt that I owe. I had/have medical insurance. When i placed a complaint for Wakefield and associates on this website, they provided a one page bill dated this month WHICH I NEVER RECEIVED, which is supposed to validate the debt? How is that even possible? An itemized bill is needed to validate this debt I supposedly owe. Who is XXXX XXXX XXXX XXXX and what is their relation to this matter. I have no idea who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: CA
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:
I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

I have sent numerous letters and disputes regarding certain accounts to each of the credit reporting agencies stating that I did not give consent for the account to be furnished on my credit report. The companies have responded that they have verified the information without the necessary documents to prove so. In order for an account to be verified, the CRA 'S must send the method of verification along with documentation of the investigative consumer report. The agencies have violated my right to privacy pursuant to 15 U.S Code 1681a ( 4 ) which states that agencies may not furnish any information without my expressed written consent. This action accounts for identity theft by each of the credit reporting agencies. Furthermore, pursuant to 15 U.S Code 1681a ( 2 ) ( A ) ( iii ), credit reporting agencies must give me, the consumer, the option to opt of of any reported information. None of the agencies gave me the option to do so.

According to 15 U.S Code 1681a ( 2 ) ( A ) ( i ), the information reported can not only be transactions between the consumer and the companies listed on my credit report. The credit reporting agencies continue to report each of the accounts listed as verified with transactions without valued verification.

Credit reporting agencies need written instruction to furnish any credit reporting by myself, the consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ). I have never given any of the credit reporting agencies written consent or authorization for negative information to be furnished on my credit report. The agencies have committed fraud by using my identifying information without any unlawful authority to furnish information. By definition, these agencies have committed identity theft. 

According to 15 U.S Code 1681c2 ( a ), if I, the consumer provide the credit reporting agency a written statement of fraudulent activity ( along with appropriate proof of identity, a copy of the identity theft report ), the agency is required by law to block the information on my consumer report within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I mailed each of the credit reporting agencies a statement of fraudulent activity, a copy of my report with the FTC, and identifying documents ( driver 's license, and social security card ). I have not included a copy of my personal information with this complaint for security purposes. I have also attached a UCC-11 to this complaint lien search to show that I do not owe the alleged debts shown on the negative accounts reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
on XX/XX/2019 went bank of America XXXX PA meet XXXX XXXX Sales Manager at XXXX XXXX XXXX and she told me you preselected for credit card just apply and get approved right its good card travel, are you sure i got approved new credit limit, she answers yes yes, i did apply and receive a call later 30 minutes from credit team they ask me to unlock credit bureau XXXX which i did and she comes back and telling me, ooh we gon na reduce the limit of another credit and give you this limit {$3200.00}, then after 10minutes i  received one more we gon na decline the application, after secondary review apps i said to her are you playing and just left hard inquiry on credit for 2 years really do bank of America have much time to play with customers and i asked to leave feedback she didn't let me do it so right now i want bank of america remove hard inquiry

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 2023-07-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 an 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 items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

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

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