BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2022 SYNCB/TJX CO DUAL CARD XXXX bank ) report a hard inquiry on my XXXX credit report, I have never applied for any financial product from this bank and also in that date I haven't had SSN yet so I was not able to apply to get any financial product. This is only being show in XXXX. I need this company to remove this inquiry from my profile.

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 2022-11-11
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX, bought home in XXXX XXXX, XXXX XXXX, through ShellPoint Mortgage Servicing. I live in XXXX, had the home as a second home with plans to retire. I signed a 15 year mortgage, paid {$460.00} per month for the {$53000.00} mortgage. Coming up to XXXX, when the mortgage should have ended, it never did. I contacted them, they told me I signed a 30 year mortgage, not a 15 year mortgage. They then sent a document to me that is odd, in block letters, and looks fake to me that says I signed a 30 year mortgage. I am concerned and believe this is a fake document. 

They are saying I owe another 15 years on this mortgage which I do not believe to be true. That being said, I continued to pay it for fear of losing the house. 

Last year, in XXXX, a tenant in that home was not paying the rent, and I went through processes in North Carolina to get the tenant out, and therefore fell behind on that mortgage. I did get caught back up. 

Now in XXXX, I received paperwork that I did not get caught up, and they sent my XXXX mortgage payment back to me and won't accept payment. They say I have to now send them 7 full payments before they will accept any more payments from me. They are now threatening to take action to take the home. They are also telling me to declare bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. SYSTEM, INC has an account on my credit that is not mine/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 explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00}

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 2022-01-01
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2021 ; I have filed numerous complaints regarding Equifax, XXXX, and XXXX unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the inquires listed. Please block and remove them

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 2021-12-01
Company: EQUIFAX, INC.
State: DC
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Cascade CISS Holdings, LLC
State: MD
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:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report XXXX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XACTUS, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX and XXXX all listed a bankruptcy 's on my credit repot as accurate. so i contacted the federal court and they informed me in writing how they do not repot or verify bankrupts to any one.so that means my rights are being violated with accordingly from the fair reporting act.

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 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 did not consent to, authorize, or benefit from any of the inquiries attached.

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 2022-03-25
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was sent a Cash App card in the mail on XX/XX/ 2022. I never made an account with them. I can't contact them without giving personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached you will find the previous response from XXXX who attempted to collect on this supposed XXXX XXXX  that was not mine. It was already removed from my credit report previously and now another company is attempting to collect on it. 

I am unsure of any account number but my last 4 of my social are XXXX. You should be able to locate my account with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: RS Clark and Associates, 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:
1

5 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an
d no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called/emailed Wells Fargo ( WF ) countless times to ask them to provide corrected due amount to the WA state HAF ( since XX/XX/XXXX to release WA HAF fund directly to Wells Fargo ) . But Wells Fargo failed this simple task. It provided the WA state HAF with wrong info multile times in a row ( and put the HAF assistance at risk ), even AFTER my XX/XX/XXXX complaint to you ( case # XXXX ). The exec person assigned to this case ( XXXX XXXX XXXX ) did not respond to my multiple calls/messages for about 10days ( I left him at least 5 messages for a callback but he did not get back until I called again on XX/XX/XXXX ). When he finally did, he clearly did not know the key issue and failed all promises ( not getting this taken care of by XX/XX/XXXX, not callback on XX/XX/XXXX after the long weekend, not knowing the key issue, not reading escalation requests from the field manager/reps, not even wanting to transfer me to his supervisor by keeping saying he's busy/in meeting, I had to insist to be connected to his VM ). He's not taking any actions while the field manager/reps already provided me the corrected information ( by phone and email last week ) that the escrow amount was zero. I also received paper mail yesterday and asked him to inform the WA HAF team the new corrected amount so I and WF won't lose the HAF assistance. He refused to connect with the Wells Fargo HAF team and kept saying there's nothing he could do ( while multiple field reps told me last week all needed is a go ahead from the exec team ). While the WF system has been broken for years and the Gov fined it for {$3.00} Billions recently, I sensed no culture or service changes, the exec rep ( XXXX XXXX was the worst among all the numerous WF reps I interacted with in the last few months to correct a simple WF error. Please assign a new exec rep and ask Wells Fargo to send the corrected amount to WA HAF by XXXX XXXX on XXXX XX/XX/XXXX. all needed is a simple phone call or a note with less than 10 words ( the new corrected amount is $ -- -- -- - ). Thank you! 

Truly yours 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 explanation
Consumer complaint received 2023-04-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
You allow Wells Fargo to police themselves that's how they got into the issues. I should be part of the wells Fargo settlement however they can't find my accounts. They did not look hard enough I had them years ago and the information is online which I do not have access to they conveniently only found one account without any fees. Well look more for the accounts I did have account number XXXX with them as well as another account that had my payroll check frozen they conveniently could not find that account either. I don't have any of the informtion they are asking for to " research '' my question. How could they possibly work this settlement if they can't even find my account informtion. All they have to do is find the one account and look for others.

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 2019-07-11
Company: EQUIFAX, INC.
State: PA
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 lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX  XXXX XXXX. It is reporting to XXXX, Equifax and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment XXXX {$260.00} equifax {$260.00} XXXX  {$0.00} Date opened XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) XXXX   XXXX equifax XXXX XXXX XXXX high credit XXXX {$15000.00} equifax {$0.00} XXXX {$15000.00} Last reported date XXXX  XX/XX/XXXX equifax XX/XX/XXXX XXXX  XX/XX/XXXX date of last active XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX   XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent my daughter money via XXXX to an account that was closed and they never gave me my money back. I called and they said since it was through XXXX there wasnt anything I could do. I can not remeber exact amount it was for her and her husband tickets to a sporting event for her bday a few years back between $ XXXX {$1200.00} XXXX dont recall exact amount but I know it was between that because it caused major devastation. And I called and complained many times over the years about adding fees to my account and taking money even though I should of been grandfathered in but they told me that wasnt correct when in fact I was told many years ago I was correct. I have had a savings and checking account with them since 2010 and to this day still and having money taken. I am trying to not change banks because when I do actually get child support it is attached to this account and has been for 12yrs. They should just correct their mistakes, I shouldnt have to move businesses.

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 2021-12-22
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I deposited a payroll check for {$2300.00} into my checking account with Chase Bank. This resulted in my accounts ( checking, savings, and my kids checking accounts ) being restricted and then closed on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive my money from the bank, when I call to check on status of the check being mailed they say it has not been released to be mailed. 

I am now 30 days without my payroll check. Their initial statements of the check being bad caused me to leave my job for a week until I saw that the money was fully available in my account. 

I am now out my XXXX and Im getting charged late fees and reconnect fees from my utilities companies as I struggle to make ends meet without my payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. 5 soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny 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