BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On receiving my consumer report, I notice several accounts reporting inaccuracy with open accounting, collections, late payments, charge off, and installments accounts that I have no full knowledge of. I've written to all three reporting agencies, XXXX, Equifax, and XXXX. After 47 days it's still no response from these reporting agencies. 

It's why I'm asking the CFPB to conduct an investigation to my complaint. I'm requesting that these reporting agencies provide verification on these inaccurate accounts listed below, or obtain a copy of any judgement, or name and address of the original creditor. To verify accuracy or establish reasonable proof that I am the legal owner of the alleged accounts that's reporting inaccurate information to my consumer report. 

Accordance to the FCRA, these reporting agencies has violated my rights with these inaccuracy reporting to my consumer report. When these agencies must maintain the utmost accuracy, and they have failed to maintain the accuracy, which breaches the mandates of the FCRA. 

I request the CFPB to require these reporting agencies to verify these alleged debts of late payments, change off, collections, and installments accounts, while including forms and conditions or purchases .or installment agreements that will or can validate the maximum accuracy to support why these activities has and is compromising the accurate and integrity to my consumer report. When I never received validation of debts nor notices or any initial communication. 

I request that if these reporting agencies fail to verify any accuracy to these accounts to the FCRA mandates. I wish that these inaccurate accounts be deleted and a update be reflected to their true status. 

These inaccurate accounts has violated my consumer rights. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Under, 15 USCS 1666b ( A ) Time to payments Under, 15 USCS 1681s-2 ( A ) Duty of furishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

Under, 15 USCS 1681 ( B ) Reasonable Procedure Under, 15 USCS 1681a ( A ) Definitions ; Rules of Construction ( 2 ) Exclusions ( A ) Any ( i ) reporting containing information soley as to transaction or experience between the consumer and the person making the report.

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/2018 I responded to a letter I received from Wells Fargo that they were increasing my loan amount due to a shortfall they sited with my taxes. I am currently in a government program and have been paying my mortgage timely. My taxes were over stated XXXX year, but actually were decreased. I applied for a loan modification to try and get some relief on my second mortgage, and that's when I started to get the run around. First being sent to various agents, with no follow up, getting notices mt house would go into foreclosure, and then being asked for multiple documents -- with no end point in sight. 
Most recently I was asked for my divorce decree that has personal information with respect to my children. I asked for an explanation and never heard back. I could use some assistance. Thank you 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Account is derogatory and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted. 

I have not supplied proof under the doctrine of estoppel by science, XXXX XXXX, XXXX ( mo ) XXXX XXXX XXXX I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists

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 2022-10-02
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When Covid forbearance started I continued to make a few payments ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all for {$180.00} each for a total of {$720.00} ). Over a month ago on XX/XX/XXXX, I called them and asked to have those payments refunded. I was told I would have to wait 150 days for it to be processed. This would mean that I would have to wait to submit my loans for the forgiveness program and would start to accrue interest. I just checked my account today ( XX/XX/XXXX ) and they have already started charging me interest ( {$44.00} ) even though it is still in Covid forbearance and should be XXXX XXXX interest through the end of this year. They also no longer show the payments I made on the dates above in my payment history but have not yet refunded me or updated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I originally caught the fraudulent XXXX account in the amount of {$2000.00} on XX/XX/XXXXand immediately called XXXX to report that this account was opened fraudulently under my name. They sent me a Fraudulent Charge Affidavit in the mail which I returned to them via fax on XX/XX/XXXX. I also included my Federal Trade Commission Identity Theft Report. When I hadn't heard from them, I contacted XXXX  again onXX/XX/XXXX. They claimed to have not received my fax, but when I asked them to look again, they found the FTC Identity Theft Report but had lost the Affidavit. They asked me to send it again via email and I did on that same day. I followed back up today, XX/XX/XXXXand was originally told that they did not receive my documents. When I challenged this, the person I spoke with told me that " oh yes, they have the documents, but it would take 60-90 days for the investigation to complete ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my XXXX XXXX American Express card account, issued by American Express. I am deeply dissatisfied with the recent changes to the card 's benefits, which have rendered the card significantly less valuable to me as a consumer. 

I have been a loyal customer have held the XXXX XXXX American Express card for 1 year and have been a Skymiles member since XXXX. I initially signed up for this card because of the enticing benefits it offered, including [ paid XXXX XXXX XXXX access, priority boarding, and boosts when spending {$25000.00} and {$50000.00}. ]. These benefits were a major factor in my decision to become a cardholder and to continue paying the annual fee. 

However, I was recently informed that effective XX/XX/XXXX, several of the benefits that initially attracted me to this card will no longer be available. The specific changes that have been announced, such as [ the removal of MQMs to earn status, and the removal of complimentary XXXX XXXX XXXX access ], significantly diminish the value of the XXXX XXXX American Express card for me as a customer. These changes were not communicated clearly or with sufficient notice, leaving me feeling blindsided and betrayed as a loyal cardholder. 

I believe these changes fail to meet the standards of transparency and fairness that consumers should expect from their financial institutions. I have made significant financial decisions based on the promised benefits of this card, and the sudden withdrawal of these benefits has put me at a disadvantage. Not to mention, I just paid the {$250.00} annual fee less than two months ago. 

I kindly request that the CFPB investigate this matter thoroughly to ensure that American Express upholds its responsibilities to its customers and adheres to all relevant consumer protection laws. Furthermore, I urge American Express to provide affected cardholders with a fair and equitable resolution. 

I appreciate your attention to this matter and look forward to a timely response. You may reach me at the contact information provided above should you require any further details or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: VA
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:
This was sent to your attorney with a failure to response on his behalf. See that he gets this in the next five business days or else more legal action will be filed for improper use of my credit file. I did not ask your office to investigate anything since the pending lawsuit was filed. Therefore you shouldnt be investigating anything on my behalf! 

Hi XXXX, I wanted to bring this to your attention that I received information from your client Experian claiming that they had completed an investigation on or around XXXX XXXX I have not asked them or requested anyone to open up any investigation in my name since I filed suit, Im attempting to file another lawsuit for violating the FCRA for improper used of the credit report. We are awaiting trail! They should not be tampering with evidence and a pending trial, I asked you to advised your client to cease and desist immediately. As more and possible legal action could and will be filed! 

Thanks, 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 2023-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Information came to my attention that all my accounts are being closed due to suspicious activity. There is absolutely nothing I am doing wrong and there is XXXX suspicious activity going on in my company and for Wells Fargo to decide and close my business account all of a sudden with little to no notice abruptly is unacceptable. This is effecting my business because my employee is no longer able to retrieve money from account ending in XXXX. My Business can not operate and is currently closed because My employee is no longer able to pull money from this account to run my Business. I need this account and the rest of my accounts unlocked as soon a possible. This is not acceptable. Nothing has changed from our initial implementation and discussions we had. Why is it all of a sudden what I was doing from the very beginning all of a sudden suspicious? I have always deposited the same amount because it is a liability for my business to hold more money at the business locations due to safety and risk of thieves breaking in and stealing. This is not ok and I really hope you fix this situation because my businesses in Northern California are currently closed because my employee can not retrieve money to run my business. We are a XXXX XXXX and we pay cash to our customers for the material that they recycle with us and we do not have cash to pay customers now and are closed. We are paying rent here and losing customers constantly. Please let me know soon as possible. Thanks.

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 2023-07-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I noticed a shortage in the checking account connected to the autopay of this credit card. I called the credit card and offered to make payment of this shortage, yet the credit card can not take payment on XX/XX/XXXX since the account has a XXXX balance due to the payment was yet to be returned. I called again on XX/XX/XXXX, now that the payment has been returned and I was able to make a payment. I was informed by the representative that interest charge would be removed as a courtesy. 

On XX/XX/XXXX, upon checking the monthly statement, I noticed yet another interest charge of {$16.00} on XX/XX/XXXX. I called customer service, who informed me that this charge was for the XXXX statement given the removal of the credit card grace period due to insufficient payment in XXXX. I informed her that I am unaware of the existence of any grace period in the first place, the representatives on XX/XX/XXXX and XX/XX/XXXX did NOT inform me of this, and the representative on XX/XX/XXXX assured me that no further interest or late fees would be placed on the account. Furthermore, I am on autopay whereby the credit card company automatically deducted monthly statement charges in XXXX. I requested that this bizarre and unfounded charge to be removed. She informed me that this charge must stay on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: Santander Consumer USA Holdings 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Due to Covid I got extension on months missed witch means it shouldnt reflect on my credit report resulting in poor credit score

Company response to consumer: Closed with explanation