BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: IL
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 am attaching my dispute letter to this form. The mortgage company clearly made a mistake when they transferred from XXXX XXXX XXXX XXXX  to XXXX and for some reason a late fee was assessed to my brothers account. I am the cosigner and that late fee hit my credit report. Its auto draft and he hasn't been late in over 2 years and it needs to be removed

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 2023-10-24
Company: CBC Companies, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX continue to add this account to my profile. This is the 3rd time, and the bill has been removed each time. 

This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 i received a notification from a credit reporting agency that my credit was affected by XXXX points due to derogatory claim listed to my reportXXXX XXXX sold my information regarding account # XXXX to a third party company by the name of XXXX XXXX XXXX. .I never gave XXXX XXXX any permission to sale my information take my privacy very seriously this has affected my credit and reputation XXXX i am quite petrified to say the least they are putting my life in jeopardy i do not know these people they sold my information to. i feel my safety is in jeopardy i demand them to delete all information they have on me immediately and cease all forms of communication including through all CRAs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I opened an auto loan with Wells Fargo in XXXX, XXXX. I made my payments on-time and they had my truck repossessed in XXXX, XXXX  after only missing one payment. They've since obviously sold the truck and have forgiven the remaining debt on the loan. I have a XXXX balance and my loan is literally months from falling off of my credit report, BUT, they've incorrectly labeled my payment history on my credit reports. 

I recently read an article posted on XXXX from XX/XX/XXXXXXXX  titled " Wells Fargo might owe you moneyheres how to get it. '' In that article, it said that Wells Fargo had been sued and that anyone that had an auto loan between XXXX  and XXXX  would qualify for damages. 

It specifically said " For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions. The total amount of damages owed to each affected customer will vary, according to numbers provided by the CFPB. For automobile repossessions, compensation is at least, but is not limited to, {$4000.00}. '' I believe that I'm affected and I have NOT received {$4000.00}. 

My Loan Account ended in XXXX Since the repossession of my vehicle, I've moved and changed phone numbers. Unfortunately, I only have the last four digits of my account number, however, I can provide my name, social, former address, anything they need.

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 2023-07-05
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fourth 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 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 2020-06-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing is charging me for fees such as escrow, late, penalties, hazard insurance, etc. without providing a detailed explanation of the fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with XXXX, Experian and now XXXX for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from XXXX previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on Experian and XXXX are not on XXXX, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!

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 2021-07-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing this complaint in accordance with The Truth in Savings Act ( TISA ) per the FDIC when a deposit is made from a government check or in this case a wire transfer Access to checking account funds. When funds are deposited into your checking account, there are rules and regulations that impact when you can access those funds. In general, funds are not immediately available but are available sooner if the deposit is cash, a cashiers check, or a government check. The holding of my fund is further causing undue hardship. I am racking up fees for returned checks because of the accessive hold on funds. I have assessed a fee where the bank failed to disclose upfront fees for XXXX. In accordance with The Electronic Fund Transfer Act ( EFTA ), I expect that the hold of the fund will be released. This is ridiculous per XXXX the representative there will be a hold on the funds because the loan wasn't originated with BBVA Compass bank. That isn't fair. I expect a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: AR
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:
XX/XX/XXXX, purchased a dress at XXXX. that there was none in my size instore. Requested sales clerk to cancel order if there was a {$9.00} shipping charge. Sales Clerk manager informed that shipping charge would be waived if purchase was charged to my XXXX card. Due to XXXX sales clerk error, my charge card was charged twice for the one requested item. On or about XX/XX/XXXX, I submitted a complaint using XXXX website, XXXX representative XXXX XXXX responded to my complaint from email XXXX I disputed one of the charges. I received two dresses by mail at two different times. I returned both dresses at two times. It was my understanding that all was cleared up until I found a notice in my accumulated mail.I contacted XXXX and case XXXX was opened to investigate the issue. I contacted XXXX XXXX several times and informed that the current balance on my account is being investigated. Records will confirm that my XXXX balance is XXXX within the thirty days of a charges. I'm requesting that XXXX XXXX remove the negative entry from my credit report, due to the whole issue was initiated due to the poor quality performance of XXXX Sale clerk charging my charge account twice when it should have been charged once. In additional, taking consideration that If there was no doubt I owed the balance, as in the past I would have had no problem paying the charged amount within 30 days as I normally do. I shall greatly appreciate any and all assistance in this matter. 
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 2023-10-24
Company: Self Financial Inc.
State: KY
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:
15usc 1681 law requires you to validate this account with a signed contract. futhermour i did not agree to have my non public information shared

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call stating that someone had used my XXXX account to purchase a new Cell Phone. 
XXXX XXXX  XXXX  was to be my source bank to process the cancellation of this charge. 
The got as far as trying to get XXXX to send {$300.00} to their email to deposit that money to recover the the theft of the charge to my XXXX account. 
XXXX correctly placed a hold on this payment. 
When the criminals called again to verify the transfer I explained that I had reported them to The FBI! I also told them some very caustic statements for my pleasure. 
Another bad guy from XXXX XXXX XXXX stifled at his own game.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The issue is that Discover Bank 's systems do not work and have me locked out of all my accounts. 
I moved and do not own a cell phone. I had to get a new landline phone number when I moved. When signing into Discover Bank website they send a code via phone but do not have my new number. I phone the bank to give them my new information. I followed their instructions exactly : I printed out their webpage ID verification form, went to a notary, filled it out and got it notarized. ( file attached ) On XX/XX/XXXX I uploaded the form on Discover 's upload page which said upload was successful and received an email verification of the upload. ( File attached ) They told me it would take about XXXX  days, to call them then. I phoned and they could not find my form even though I gave them the confirm # that is in the email. ( XXXX ) They told me to upload it again, which I did twice more each time their page said upload successful but I never got an email confirmation for either of them. I called and they could not find either one. 
They still could not find any of the uploads XXXX days later and told me to take it somewhere I could fax it to them. I faxed it from the library on XX/XX/XXXX and received an email verification of that transmission. ( File attached ) They told me that they received faxes immediately and I could call to verify they had received it. I phoned them but they said their fax system was down. I checked again before closing time and it was still not functioning. 
I phoned the next day, XX/XX/XXXX and they said they have it and I could phone before closing time to check if it was processed. I phone back and they said they couldn't find it. I phoned again on XX/XX/XXXX around XXXX EST and they said they are working on it, but it still is not processed. 
Meanwhile they have automatically renewed a CD I did not want renewed and they said they could not change that until my ID is verified. 
I asked to speak to someone who has some authority there to handle such problems, but they did not provide anyone. 
My old phone that is still on the account was ( XXXX ) XXXX. 
My new phone is ( XXXX ) XXXX which they need to put into my account so that I can sign in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: EQUIFAX, 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:
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, Portfolio Recovery Associates, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe 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. Payment is legal tender for public and private debts.

Company response to consumer: Closed with non-monetary relief