BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up a higher APY savings account at Citizens Access. Money went into the account from XXXX XXXXXXXX XXXX without issue. Money is sitting in the Citizens Account, but this bank will not issue debit card or give me online access to move it. I called them and was told they would initiate a transfer in XXXX business days to the originating account. I suspect this will not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Information belongs to someone else

Complaint:
This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items : XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, I saw a XXXX XXXX XXXX on XXXX XXXX for sale. I inquired from the seller, if the vehicle was still available and he said yes. The cost of the vehicle was {$12000.00} and the seller asked me to wire a deposit of {$6000.00} the money to Wells Fargo Bank. I wired the money of {$6000.00} and the vehicle would be delivered to my home and I would pay the balance of XXXX on the day of delivery. The seller did not speak the truth and the vehicle was never delivered and the money was stolen. I inquired from Wells Fargo Bank about this fraud transaction, but nothing was done. Wells Fargo Bank had all the information from the seller and should be able to get my money back. I'm requesting from the Fraud department to refund my money which is {$6000.00} to me asap. I need to purchase a vehicle for work. 
Thank You for looking into this matter asap.

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 2018-03-02
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Personalreports.lexisnexis.com has incorrect information. None of the information is correct. Information may refer to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: MI
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 am writing to file a complaint against XXXX XXXX XXXX for continuing to pursue a debt that I have already been released from. On XX/XX/2019, I received a garnishment release letter from your company, which stated that I was released from any liability for the debt in question. 

Despite this letter, your company has continued to report inaccuracies on my credit report, contacted me regarding the debt, and has even threatened legal action if I do not pay it. This is unacceptable and goes against the terms of the garnishment release letter. 

I demand that XXXX XXXX XXXX immediately cease all attempts to collect this debt from me, as I have been released from any liability. Furthermore, I expect an apology for the stress and anxiety that your continued attempts to collect this debt have caused me. 

If I receive any further communication regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I don't have any contract written, verbal or otherwise with any of these collection agencies. Furthermore, the improper use of my name with erroneous alias 's. Outdated addresses and phone numbers. 

Account name : XXXX XXXX XXXX reference # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX reference # XXXX, Account name : XXXX XXXX XXXX reference # XXXX, Account name : The Bureaus Inc.reference # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my house XX/XX/XXXX. Ditech is my mortgage servicer. As I am a XXXX senior veteran, I chose to defer my property taxes meaning I did not have to pay them until I sold my house. My wife was a co-borrower on the loan. I have sent her death certificate to Ditech 3 times in order to get her name removed. XXXX, XXXX Ditech took it upon themselves to make a tax payment to XXXX XXXX of {$22000.00} despite my telling them many times my taxes were deferred. I even sent in paperwork as they requested to confirm this. When I closed on XX/XX/XXXX, Ditech added this payment to my payoff despite confirming with XXXX XXXX that they had mailed the check. Ditech apparently lost the check and it took over 30 days for them to find it. My realtor called Ditech after we closed and Ditech escalated to see where the check was. They found it and I received a check in 30 days but it was also in my deceased wifes name so could not cash. Per XXXX instructions I sent via certified mail a copy of my wifes death certificate, the check and requested a new check in my name only. Ditech signed for the check on XXXX. On XXXX they could not find the check in their system ( another lost check ). My Realtor got on the phone to assist me as I have been on the phone for hours with Ditech to no avail She uploaded all the documents they requested on XXXX. Told she would be contacted by XXXX ( apparently fake name and extension as extension goes to customer survey not a person ) Uploaded docs went to XXXX XXXX. I would like this money that has been due to me since XXXX. Every time I call I get told it will be 10 business days-it has now been 35 days since I mailed everything and still no check. {$22000.00} is a lot of money for a senior citizen. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX I disputed a XXXX $ late payment on my credit card on a card I barely use. I paid it after they hit my credit score about it and it was on my credit report as unpaid and missed. I paid it, then I tried to talk to the creditor about the accident and I did setup payment reminders on that card but they were unable to update the payment from missed or forgive the remark. XXXX $ one time missed payment is not indicative of how trustworthy I am with making payments over my going on 10 years of making payments on time. It should be able to be removed and not drop my credit score XXXX points. 

The creditor is discover credit card. Overall theyve been my worst creditors out of the 2 credit cards I have open in how helpful they are and how their benefits work is hard to understand. To me it feels a little more personal because I use the card in instances I have no other option just in case so I barely use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage processed a late payment due to a shortage of escrow. I was not notified by Freedom Mortgage of my escrow shortage, nor given the opportunity to pay the shortage. I have never made a late payment. My XX/XX/2022 due date XXXX XX/XX/2022 I was credited by my bank XX/XX/2022 in the amount of {$2700.00} which was short of the new escrow catchup payment to which I was not notified until I received my XXXX statement in the mail on XXXX XX/XX/2022. Freedom Mortgage chose to render this amount to a separate account showing me delinquent for the full amount. I promptly called and requested the late fee be waived, which they did. And, I paid the amount determined due with my {$2700.00} already paid. Freedom Mortgage sent another paper mail reference foreclosure proceedings and reported my late payment to the XXXX credit reporting agencies. I requested they notify the credit reporting agencies of their mistake. They never attempted to contact me by phone or email at all claiming t have mailed me for action. They simply sent the next XXXX statement as late owing the {$2700.00} plus {$290.00} escrow shortage plus the new escrow catch up payment {$2900.00} and the {$89.00} late fee. 

If this is the manner Freedom Mortgage notifies VA loan customers to the credit agencies on a routine basis I request you further investigate the matter. 




Secure message sent XXXX XX/XX/2022 to Freedom Mortgage : I am writing to request you retract my XXXX late payment report to the credit agencies to which you refunded the late fee. Please notify the XXXX credit agencies this was an erroneous late report. I was never notified by email, telephonically or by mail of my escrow shortage. I also was not given the opportunity to make a XXXX time payment. I paid promptly once notified. Please let know when this action is complete or your decision as soon as possible so that I may take the appropriate legal action if necessary. If this is a systemic problem within your company in servicing VA loans please correct. 

No response to date on credit agency erroneous reporting.

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 2023-04-01
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. No phone number given. Letter was sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize this company.

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: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and I have noticed several late payments on XXXX  account # XXXX According to the Fair Credit Reporting Act 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX  ( COVID19 ) pandemic during the covered period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: Smart Money Alliance
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I docusigned a White Label Agreement, with XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), to market a financial literacy program to small businesses and refer clients to the " Access to Capital Program '' on a fee split basis. XXXX XXXX marketed this program as being " No Cost ''. On XX/XX/XXXX I received an email from XXXX XXXX titled " Mid Month Update '', stating that I had provide atleast ( 2 ) clients to hit my performance goals, to aviod having to pay a {$10000.00} non-refundable deposit. It was discussed that as a White Label Partner I was in complete control and could offer the program for free, or for a cost, which was to be shared with XXXX  on a XX/XX/XXXX split. Prior to docusigning the " White Label '' agreement, I had a conversation with their XXXX, XXXX XXXX, who again, advised me that there was not cost. I received the agreement and signed it. On XX/XX/XXXX, I advised XXXX XXXX of my intention to no longer affiliate with he or his company as his practices were fraudulant and deceptive and that I was assured by his Chief Marketing Officer, that there were not costs involved. XXXX has sent this matter to a paralegal firm who had repeatedly emailed me invoices for {$10000.00} each month. Also on XX/XX/XXXX, I received an email containing a XXXX XXXX, TX news article dated XX/XX/XXXX, which stated XXXX XXXX had been arrested by Texas XXXX and his business was being investigated. The article cited a woman from New York, who had also filed a complaint with the XXXX  alleging XXXX XXXX prays on minority businesses and scammed her out of {$3400.00}. Also see XXXX Report. I believe XXXX XXXX to be a financial predator, who preys upon minorities and minority owned businesess. I can provide copies of all documentation. I have also reported this matter to the Attorney General 's Ofice as well and can provide case information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-06-13
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry ; however after checking my report through XXXX it shows as hard inquiry. 
on XXXX/XXXX/2022

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