BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Unauthorized debits from my checking account at Wells Fargo via XXXX service : 5 unauthorized transactions of totaling {$3000.00}. 

XXXX security breach by text message to my personal mobile device, followed by call from male impersonating a XXXX XXXX representative. I do not have any account at XXXX XXXX 

The XXXX service has caused a high unreasonable volume of fraud incidents which cause bank customers financial harm. XXXX accounts are set up by the fraudsters and used to transfer funds out of the victims ' accounts without customer request/authorization. XXXX security gaps leave victims without practical protections. Some bank customers have been compensated by the banks involved, depending upon the bank and its policies and the specifics of the incidents. 

Fraud claim submitted to Wells Fargo via customer service on XX/XX/2021. 

The transaction dispute was denied even though tokens did not match and none of these debits were requested nor permitted 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 2019-04-12
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX  XXXX not mine/inaccurate XXXX  XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX  XXXX not mine/inaccurate XXXX XXXX XXXX/XXXX  XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX  XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-11-18
Company: Experian Information Solutions 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:
In regards to Experian dispute for XXXX  acct XXXX XXXX XXXX filed it came back as updated. This is not right, this shows a charge off of XXXX which is a complete fraud on their part. I had bought XXXX worth of gift cards, there was a security issue and they cancelled the cards. I never got to use the cards. I got nothing. They charged me tho, I called and they said they reversed the charges. But now its still showing as I owe them XXXX which I DO NOT! PLEASE DELETE THIS it is totally incorrect. Absolutely ridiculous that they havent changed this. its XXXX XXXX false. thank you.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
I have inaccurate information in my credit report. 

XXXX XXXX XX/XX/2015 {$700.00}

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 explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions 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:
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  Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: In progress
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : CAF Account Number : 4456**** has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: PR
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 Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an 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 late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached TWO. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-23
Company: EQUIFAX, 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 information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. 
I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX paired with a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash. If I did not faint my chest would have arrested completely without sufficient airflow to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance. Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality.

{>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality.

{>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them and they have let this misery fester to extraordinary lengths. If Cashapp will not admit their blame then XXXX XXXX XXXX will have to corroborate their guilt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$4800.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance with XXXX XXXX at PennyMac early XX/XX/2021 in order to secure a lower interest rate and monthly payments, of note my existing mortgage is already serviced by PennyMac, and I thought that would make it an easy process, but little did I know then. 
I quickly got approved for a full 1 % lower interest rate after the house appraisal went through, then came the repeat and erratic requests for documents for income verification, solar panel agreement/ etc, followed by 3-4 week periods of no communication, and calling them for an update resulted in requests for the same documents that were already previously provided, then another long silence period, another call to check on the status resulted in the issue of a revised agreement with higher fees and closing costs ( 2 months after the first offer was already approved? ) I demanded that they respected the first agreement and revise down the fees and closing costs to the initial amounts, then radio silence for another 3 weeks, punctured by occasional status update calls from a lady who would scream on the phone, but those calls were that totally non informative, so I called to get more details, and was told that my case was closed per my own request, and they cited some unknown email address that was used to request the closing of my case I, of course, immediately demanded that the case be reopened since I never asked them to close it in the first place, I was also assured that this would be handled by a supervisorchecking the website, all my previously requested documentation was requested once again, by then we were already in XX/XX/2021, and by then the low interest rate I was offered initially was just not available from any lenders due to the rates creeping up, and I get a survey email asking me about my experience with PennyMacand that is when I call them for a status update, and get told that my application was denied for a high debt to income ratio I cant help but suspect that I was dragged into a lengthy refinance application just to be denied 4 months later when the low interest rates were no longer available, wasting any chance I could I could have refinanced with another company. 
I also suspect that they intentionally declined this preventing me from obtaining a lower interest rate, which could have resulted in lower interest amounts collected by PennyMac over the life of my loan. 
Useful communication was inexistent with my loan officer, XXXX XXXX, who came across as duplicitous, dishonest, and vindictive, deciding to deny me a refinance when I demanded they stick with the initial offer terms with lower fees and costs, just as the interest rates went up so much that I missed the chance for a decent refinance with another company. 
My chance to refinance at a lower rate has been wasted by Pennymacs unscrupulous practices and blatant mismanagement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX : {$4400.00}.

Company response to consumer: In progress
Consumer complaint received 2023-02-23
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 reviewed my Consumer Reports and noticed that I had charged-off accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts that resulted in charged-off : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: VA
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 financed a product with XXXX. The credit bureaus have listed XXXX as a credit card which is incorrect. This is not a revolving account but a product that was financed for the exact amount of the cost of the product. 

XXXX XXXX as a credit card issuer, has resulted in my credit score being lowered and other creditors denying me credit.

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 2023-05-14
Company: General Motors Financial Company, Inc.
State: WA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an 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 late for any purpose.

Company response to consumer: Closed with explanation