BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I found there to be numerous unauthorized charges posted to my Wells Fargo checking account and I immediately canceled my card along with filed claims relating to the transactions. Upon filing the claims, my account was issued a provisional credit in the amount of {$1400.00} which was the total of the unauthorized transactions on my account. I proceeded to withdrawal the credited funds in my account because my rent was due and the funds would be in my account anyway if it werent for the unauthorized use of my debit card. A few days later I received an email stating that my claim had been denied and that the provisional credit in the amount of {$1400.00} would be debited from my account on XX/XX/23. The funds were taken from my account on XX/XX/23 which caused my account to be {$1300.00} in the negative. This despite the fact that the charges in questions that were denied claims for were not made by me and were completely unauthorized and the result of my debit card having been stolen.

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 2022-01-03
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: Account information incorrect

Complaint:
I have sent letters and affidavits to all 3 credit bureaus XXXX, XXXX, and Experian all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters

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 2023-05-22
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:
I want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: LA
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:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

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 2022-01-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have sent letters and affidavits to all 3 credit bureaus Equifax, XXXX, and XXXX all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi, My auto loan was paid off in full on XX/XX/2021 and in XXXX I received a late payment alert from Transunion. I contacted XXXX XXXX and Tran union bout the issue and provided receipts from my bank statements showing I never missed a payment &, copy of the check from the insurance company. 

I also sent a copy of the refund check of {$120.00} from XXXX because I was still paying my car note even AFTER my insurance company paid XXXX XXXX because I was told by a XXXX XXXX represenative that they had to update my account and that I still had to pay up until they did. This error has affected my credit scores and trans union and XXXX has not been cooperative. XXXX is lying saying I owe {$410.00} and I do not.

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 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23 I tried to submit payment in order to use my American Express card. I used the chat function as Ive done in the past. I initiated the chat around XXXX. It was 10 minutes and no agent joined the chat. So I sent feedback to the company online describing how long its taking to get an agent. I also checked that phone had the latest version installed and theres no issues with my XXXX browser which is how I accessed the chat. I was not using an app. I changed the password for the site as well then logged back in. I then tried to start another chat around XXXX. My several chats disappeared and the company sent chats making it seem like I never responded to their messages, which wasnt true. When I tried to get confirmation for payment and the timing it would post they changed the amount. I declined the whole transaction. I asked if it was an advanced persistent threat. This wasnt the first time Ive had issues with chat. I took screenshots of the issue. I sent the screenshots to the American Express XXXX account. The account states a response within an hour yet I never received any response to my messages. In addition, as soon as I sent feedback to the online site, the people who reside next door to me started chatting about my issue without me verbalizing what I was doing at the time. Ive sent police and several states and federal agencies complaints about being monitored electronically by individuals. The XXXX harassment and stalking I endure makes it feel like trafficking. I believe this is trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On approximately XX/XX/2021 I called EQUIFAX due to seeing a creditor on my consumer credit report, that should not have been on there. I called EQUIFAX and spoke with one of their representatives and informed them that the account should not be on my report. They informed me they would dispute the account and would send me the results in the mail. I received a letter dated XX/XX/2021 from EQUIFAX stating the account had been removed. Due to this being my consumer credit report, and inaccurate information being added to my report, it is a violation of Title 15 1681e ( b ). EQUIFAX has shown negligence in not proper justifying the information in which they added to my consumer credit report, resulting in damage to my consumer credit score, reputation, as well as character, which is also a violation of Title 15 1692e ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Dear FCPB, I am writing to file a formal complaint against Wells Fargo regarding their handling of my mortgage escrow account, which has caused me significant concern and if not resolved may also cause financial distress. My property tax recently increased from {$17000.00} to {$18000.00} annually, resulting in an additional financial burden of {$710.00} per year, equivalent to {$58.00} per month, note that my homeowner 's insurance premiums have remained about the same from last year. 

The issue I wish to bring to your attention arises from Wells Fargo 's notification that they intend to increase my escrow payments by an astonishing {$5300.00}, equivalent to XXXX per month which is about 740 % higher than the actual increase noted on the prior paragraph. In the attached analysis provided by Wells Fargo, they justify this increase by stating they need to add a two-month cushion of escrow, totaling {$3200.00}. 

However, my concern primarily stems from the explanation given to me by a Wells Fargo customer service representative named XXXX during a call I made on XX/XX/2023 at XXXX XXXX EST. XXXX asserted that the two-month cushion of escrow is mandated by New Jersey law XXXX implying that it is the minimum requirement for the state. Subsequently, I conducted extensive research to verify this claim, and I found no evidence to support Wells Fargo 's assertion that New Jersey law necessitates a minimum two-month escrow cushion. 

Moreover, it is important to note that New Jersey does not require lenders to pay interest on mortgage escrow accounts. In light of this fact and the current high-interest environment, Wells Fargo 's practice of requiring an excessive two-month escrow cushion not only misleads the customer but also appears to be an abusive and unfair practice that places an unjust financial burden on me as a homeowner, while they will be earning interest in the extra escrow reserve without paying a XXXX to the customer. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure that Wells Fargo is in compliance with all relevant laws and regulations. I believe that their actions are not only misleading but may also constitute an unfair and deceptive business practice. I also request that you take the necessary steps to rectify this situation and ensure that I am not unfairly burdened with an excessive escrow requirement. 

Enclosed with this letter, you will find copies of all relevant documentation, including the Wells Fargo escrow analysis. I hope that your intervention will lead to a resolution that is both fair and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to your response. 

Sincerely,

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 2023-01-28
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03
Company: Experian Information Solutions 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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$52.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 2023-05-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There were over 50 Credit Inquiries on my credit report. I wrote to the 3 Credit Bureaus twice to dispute the information and they have refused to comply with my demand to show proof. I also sent letters to all of the companies with dates to send proof and I have not heard anything from the companies in regards to removal.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The inaccurate personal information listed in my report was inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information listed below as a result. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/2019

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 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My social security number and maiden name were used by someone to open an account at Capitol One and charge {$1400.00}. I never opened an account with Capitol One or lived at the mailing address listed. ( I am a legitimate secondary user of my husband 's account with that company which I was added to after we married ). 
At some point, after non-payment, Capitol One sued the person using my name in a county court in Missouri and now there is a judgement attached to my social security number. 

I am attaching the court judgement documentation and also a copy of the legitimate account my husband and I share showing that we are in good standing with Capitol One. Any other account with my social security number is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: PA
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: OH
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 recently disputed the XXXX XXXX collection thats on my credit report this inaccurate detail have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 has violated my rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1682 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 make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes witch 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 the information is inaccurate

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