BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a XXXX XXXX  and Webster Bank is giving me one problem after another. I went online today and saw that 2 new accounts were opened without my authorization. I called customer service and XXXX helped close the accounts but they were " investment '' accounts that were opened without my knowledge and authorization. 
XXXX XXXX # # XXXX {$0.00} {$0.00} XXXX XXXX # # XXXX {$0.00} {$0.00} I told XXXX that I hope they won't try to charge me fees for XXXX balances. He said they should not. 
Want to make CFPB aware of this because of what happened with XXXX XXXX XXXXXXXX and XXXX XXXX opening unathorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim the claims representative got the claim wrong and is possibly going to ruin any banking relationship I could have this is a urgent matter please help I have been on hold 4 hours

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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX  to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( 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 ) these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise

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 2023-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
On 2 Seperate occations over the last 4 Month I have requested that equifax fix all late payments tha are showing on XXXX as these have never been paid late. I never even got a response at all to the last letter I sent Certified mail on XX/XX/10.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
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: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my 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 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: IN
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:
As per 15 U.S. Code 1681i ( 5 ) regarding the Removal of Inaccurate/Invalidated Credit Information , if, following any reinvestigation of disputed information by a consumer, it is determined that an item of the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete that specific item from the consumer 's file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
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 contacted Trans Union about the XXXX XXXX XXXX not being my account. I was asked to send proof of residency, utility bill, and identification to XXXX XXXX to validate the information is incorrect. I have not lived at the address that they are claiming that belongs to me. I would like for this information to be corrected. I will be seeking legal help as well. I have lived at the current resident for a couple of years.

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 2023-09-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: SANTANDER HOLDINGS USA, 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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NV
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 number XXXX, has violate 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.

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 2021-04-17
Company: Resurgent Capital Services L.P.
State: WI
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 wrote XXXX starting in XX/XX/XXXX about a Collection company Lvnv reporting on my credit and ask to have it removed. As a result they did not remove it saying that it is mine. However, I wrote to all three credit companies and two of them XXXX and XXXX did remove it and then Lvnv tried to place it back on my report after it had been removed I reported it to them and they removed it again. So I wrote XXXX again and again and ask them to verify it and they did not but still has not removed it. I also wrote the company as of XX/XX/XXXX and they could not or did not verified they sent me a statement from the original creditor without any type of signature of mine. So as of now I have wrote back to them asking them to provide evidence that this is my account bearing my signature and let them know that what they sent to me for verification is not FCRA proof for what they sent is a statement letter from the original creditor and asked for immediately removal as of now has not complied or reported to XXXX that I am disputing these accounts. Not only that XXXX has allowed them to reopen this file on my credit report which was showing closed when originally disputed. Also it shows an inaccurate date, past due date, wrong high balance from when it was originally reported and a inaccurate date of last activity and is missing information and the account numbers have been changed several times and so has the addresses. This is my second step before I file a small claims against XXXX and Lvnv. All my disputes have been sent certified mail and I have all the copies, accept the one I sent through XXXX XXXX. This is damaging to my credit profile and as a result I am unable to receive a mortgage loan without this being removed off my credit report and they ( XXXX and Lvnv ) have left me no choice but to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Waypoint Resource Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, after several attempts to try and resolve the many problems I was having with XXXX, in which they made several promises to me, that included compensation to my bill for their ineptitude, I ended our business relationship and went to another provider. They sent my remaining bill to collections, and it reflected on my credit report for several years before it appeared to drop off. In late XX/XX/XXXX, I noticed a new discrepancy on my credit report for {$460.00} from Waypoint Resource Group, who was reporting on behalf of XXXX, but they reported as a new debt. I contacted both Waypoint and XXXX to offer a payout of {$200.00}, but neither company was willing to accept. I did explain to both that I had ample grounds to make a complaint with the proper authorities, and I would do so if we could not come to an agreement. Here is my first complaint to the CFPB. I am also waging a complaint with the AG in my state, and I will be disputing this zombie debt with all three credit reporting agencies as having been improperly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I checked the mail and noticed two packages from TDbank with checkbooks I never ordered because I do not have an account or accounts with that bank. I called TDbanks costumer service number to see if the accounts actually exist and I entered the last 4 digits of my social and it actually took me to account information. I then hung up and call TDs fraud number. The checks have my address but both have phone numbers I have never seen before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After paying DOWN ... .GOT THAT- PAYING DOWN A NUMBER OF DEBTORS. My score actually went XXXX  points EVEN THOUGH THEY CLAIM IT WENT UP ... .WOW ... HOW PUTIFUL can they get?. '' /Your FICO Score has increased XXXX points to XXXX! FROM XXXX XXXX XXXX Poor Fair XXXX - XXXX Good Very Good Exceptional XXXX XXXX XXXX Experian data XX/XX/2021.

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 2021-12-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been charged off as of XXXX, 2019. Since then the account has repeatedly been updated as closed and charged off every single month which is an update in the payment history which to my understand charged off accounts should NOT include an ACTIVE PAYMENT HISTORY. Need I remind you this also FALSELY MANIPULATES THE STATUTE OF LIMITATIONS.. This has caused tremendous stress and poor scoring on my consumer 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 2020-03-13
Company: EQUIFAX, 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:
XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
disputed unknown collection account with XXXX no response from agency but confirmed valid on credit report. sent letter to agency no reply, looked up company to discover they are not licensed. yet pursue collections and report XXXX is owed without any evidence.I do not believe any such account is valid.

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 2023-11-26
Company: EQUIFAX, INC.
State: AL
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:
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 adverse item of information, other than records of convictions 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.

I will attach a copy of my credit report showing inconsistent / inaccurate information throughout my credit report. 

Account Name ( 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 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 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 Because of the inconsistent and inaccurate information reported on my credit report I can not purchase a house for me and my family, I can not buy a new car to help me travel to and from work or appointments, and/or I can not apply for credit cards. The inconsistency of items throughout my credit report have to be accurate, timely, and consistent. I have filed reports with Identity Theft.gov, XXXX, and numerous other agencies regarding XXXX, Equifax, and XXXX. I have asked for investigators names and have not received the information from either credit bureau regarding the items on my credit report. 

Delete all items above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: IL
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 accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

I told Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. However, they stated everything was complete and accurate, but how can that be possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

15 USC 1681 section 602 states that I have a right to privacy.

15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 USC 1681 s-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. 

Also they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief