BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: T.S. Holdings
State: NV
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 XXXX XXXX I.Q. Data International attempted to fraudulently collect a debt of XXXX. Not only did they attempt to collect, but they also caused damage of my GOOD NAME by reporting false signatures and fraudulent information to XXXX, XXXX, and XXXX XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violating Consumer laws 15 U.S. CODE 1692 ( d ) & amp ; ( e ), 15 U.S. CODE 1681 ( b ) & amp ; ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividends to shield and will strongly do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, Wells Fargo alerted me via phone to possible fraudulent activity on my checking account. I immediately went to log in to my onlie account via the Wells Fargo App and found that I wasn't able to due to an incorrect password. After resetting my password and logging into my account I found that my account balance was incorrect. XXXX dollars had been transferred to my account and then taken out my via a non-Wells Fargo ATM in XXXX, North Carolina. Eight ATM transactions were made for a total of {$3900.00}. That same day I called Wells Fargo and reported the transactions. They then informed me that my online account had been hacked and that the money was a cash advance from my credit card account to my checking account. In speaking to Wells Fargo ATM/Debit claims department I informed that these ATM withdrawals could not possibly have been made by myself. I live in XXXX, GA and have not left the state in over 30 days. I have never given my pin number to anyone and that my debit card never left my possession. I received a letter from the Claims Assistance Center on XX/XX/XXXX stating that because the transactions were made using my card and my pin number that they were made by me or by someone with my permission. This is not the case. I was told there was no way to appeal the decision and that the only option I had was to request the documents used in the investigation. Which I have done. I believe that further action should have been taken by Wells Fargo. I can prove that I was not in the state of North Carolina at the times that the ATM transactions took place and I don't believe they can prove that I authorized someone to make these transactions. I have been with Wells Fargo for 7 years and if they had reviewed my bank transactions that they would find I don't use non-Wells Fargo ATM 's for large withdrawals and that I have never made 8 ATM transactions in one day before. I also have never made a cash advance on my credit card. I believe I was the victim of fraud and card cloning. I was treated unfairly by Wells Fargo when they didn't take into account my account history when they made this decision. They are now seeking payment for the cash advance and will not refund me the money taken from my account so it can be transferred back to the credit card.

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 monetary relief
Consumer complaint received 2023-04-18
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased 2 vanilla gift cards/Visa. They were stolen from my wallet. I am trying to report them stolen and get new cards. After hours on hold I gave the vanilla gift card person the serial numbers for the cards. I have the receipts for the purchase of the cards ( originally {$500.00} each ). The person wanTed my birthday and a color copy of my driver 's license and a bill showing my address. As being the victim of prior identity theft I did not give those items. Personally i believe that in house person is gsthering information to sell or to create fraudulent activity. What do I do now? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/2022, to Experian to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint XXXX & I am including it again 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 2022-02-18
Company: EQUIFAX, 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:
I Called XXXX because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports tillXX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ending in XXXX And XXXX XXXX does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and Equifax are guilty I Have reported them to their own fraud and credit card investigations to correct within 30 days. i cant handle all 3 scores faillng from XXXX pts to XXXX since and 2 months in XXXX XXXX and XXXX and last year.. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX. XXXX XXXX XXXX XXXXXXXX remove late payments This 30 days late is not correct my account is current. I attempted to reach out to correct the issue and was told nothing that could be done to correct their error. I then reached out to all the credit agencies with no resolution. I am in the middle of buying a house and this error has caused personal damage. 


PLEASE REMOVE 3 LATES ON THIS ACCOUNT NOT ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Rocket Mortgage, LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance on my home as they pressured me into refinancing with a quote they have on record. The appraiser they chose appraised the value of 1/2 of what they have listed. Quicken denied my refinance and raised my payments by approx. {$50.00} a month. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, 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 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I signed up for Unemployment benefits in XXXX of XXXX. A debit card from Bank of America was supposed to be mailed to me then but I never received one. In XX/XX/XXXX my EDD account was temporarily disqualified due to an Identification issue. At the time I didnt have a valid drivers license so it took me a while to verify my self. By XX/XX/XXXX after going through all the hoops and hurtles with EDD my I.D . Was verified and I was able to receive benefits. Upon receiving my first benefits in XXXX of XXXX in check form I was informed that a debit card was sent out in XXXX and I certified for benefits on there and EDD paid Bank of America and from now on my benefits would be paid out in checks. They said I need to contact Bank of America about the money that was put on the card in XXXX I never received. I sat on the phone for hours with Bank of America prepaid and with EDD trying to get this resolved. On one end Bank of America says there is still a block on my account due to my sponsor ( EDD ) and I have to have them lift it. When I speak to EDD they claim theyve reached out multiple times. It nothing has changed. It was {$13000.00} deposited on the debit card to be exact that I never had access to, and this had been going on since 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 2023-02-21
Company: Harpeth Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I received a letter from a debt collector indicating I owed money. After requesting information about the specific loan and creditor, I learned the loan was from XXXX XXXX  XXXX, XXXX from 2021 in the amount of {$300.00} with interest accrued in the amount of {$310.00}. The paperwork listed my name under borrower signature ( though it is simply typed and not an actual signature ). The phone number associated with the account is not mine ( as I have had the same number for nearly 27 years ) and once I attempted to call it, learned it was out of service. There are no documents included showing my actual signature or any form of identification showing I was indeed the actual borrower ( no proof of DOB, Drivers License Number, address, or any other specific identifying information ) My credit report does not include an inquiry from this company nor does it show any outstanding balance. I've already contacted the debt collection agency disputing the debt and have a filed a complain with XXXX  as XXXX XXXX  XXXX failed to show any due diligence in confirming the borrower was who they said they were. Furthermore, I never received any communication from XXXX XXXX  XXXX in the course of the 15 months the loan was supposedly open and in default status. If I had to guess it would be because the contact information they were given at the time the loan was opened was fraudulent. It wasn't until it was sent to a debt collection agency that I learned of the loan. XXXX XXXX XXXX will need to seek out the actual borrower and cease communication with me including through debt collectors. I'm not paying a debt I didn't incur and want to know what documents XXXX XXXX  XXXX actually requested prior to lending {$300.00} to someone who claimed to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX - never lived at this address. 

- never I told Experian by phone and in writing twice. 

Experian said XXXX XXXX has reported the address. I asked for verification, that XXXX XXXX  is reporting this, and Experian failed to provide this information. 

I personally called XXXX XXXX  and they said, that they are NOT reporting this inaccurate address. 

Experian has failed to act.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit report act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage loan was transferred to a Servicing Company on XX/XX/XXXX The Mortgage Company was XXXX XXXX XXXX. In XX/XX/XXXX I was laid off my job and got behind in my payments. I contacted XXXX XXXX for assistance and they a modification which was raising my interest rate to 8 % and placing {$37000.00} in a deferred status to lower my payment for a short period of time. They told me once I regained employment my loan could be adjusted back to the interest rate and also that the deferred interest may even be written off because of the dropping value of homes in my neighborhood. I agreed, and once I gained employment went back to have another modification. Bayview Loan Servicing told me they could not help me because they were the Servicing Company and they did not do modifications or refinance since I was not delinquent. I contacted  XXXX XXXX and they would not help. The Loan has now been sold to XXXX XXXX XXXX XXXX   XXXX XXXX. I have called to speak to someone there for the last three months, and have not been able to speak to anyone. Four years plus of paying all this interest plus having {$37000.00} just sitting is very frustrating. I am at retirement age with a upside down loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MD
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 second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$590.00} 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 2021-01-16
Company: Experian Information Solutions Inc.
State: NV
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 successfully disputed and XXXX, XXXX and Experian to remove a collection reported by XXXX XXXX. However, Experian Re-inserted the collection by XXXX XXXX that was removed on XX/XX/2020 without giving me a notice. According to FCRA, If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion. The Reinsertion of previously disputed information which is governed by FCRA 611 ( a ) ( 5 ) ( B ) is violated by Experian. The collection amount is {$1700.00} and original creditor reported to all bureaus was deleted after validation was requested by 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 2022-04-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: UT
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:
Experian, XXXX, and XXXX are reporting a balance that have been paid and I do not owe. XXXX and XXXX XXXX XXXX XXXX, debts have been paid and they continue to report a balance.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX XXXX, Account Number : 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 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