BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit 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 2022-11-13
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts be verified or removed immediately :

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: MIDFIRST BANK
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I want midland to provide pay history, settlement statement truth in lending disclosure, title policy and appraisal

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 2023-02-10
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX has been lowering my credit limit on my card. The most recent letter states it was because I dont have the score necessary to maintain the limit due to : negative public records, delinquency, not having credit open long enough etc and that they are using Equifax for my score and it is reporting a score of XXXX as of XX/XX/XXXX. This is not true I have no late papyments, negative public record or negative items in my report. I confirmed with Equifax online and over the phone. They are showing my score as XXXX and per the Equifax rep on the phone yesterday theyre is no way they are getting that low score for you from us there is nothing in your credit report to generate that low score. I have called XXXXXXXX XXXX  multiple times and they can not or will not give me an answer as to what is driving my score down on their systems or what the negative items the letter references are exactly. At one point an account manager XXXX got flustered with my questions and lied to me saying she was transferring me to the credit department but instead just sent me back to main customer service line. While in the phone at another point with a customer service representative XXXX he stated at one point there was an issue with the system feeding in wrong scores but that should have been fixed and was a while ago. 
I submitted the dispute of the score through XXXX but got a letter on XX/XX/XXXX saying everything was accurate without any further details or supporting evidence or documentation. 
My feeling is that there must be some sort of system issue where scores are being mixed up or they are pulling in a similarly named persons score. They stated that the credit lowering process is automated by the system and no one is reviewing it and based on my calls its is sounding like nobody at XXXX customer care knows how it works. There looks to be the possibility of it is a system issue to have a greater impact than just myself and the process of them regularly lowering the credit limits to within a few XXXX dollars of the outstanding balance that has always been paid in time could lead others to go over their credit limits and negatively impact their accurate score by using more of the percentage of total credit available. It looks to be to be both unfair and deceptive as the score is wrong and they will not give me a complete and supported answer i to what is the cause of it, while trying to just get rid of me on the phones as opposed to giving real answers to find the truth. 

I do apologize for any typos and formatting errors in this write up as I am doing it on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Instarem PTE Limited
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I sent 2 successful transactions via Instarem those went through. So I went ahead and did one more transfer. The company received money from my credit card company XXXX and Instarem posted the status as paid to the receivers account 2vdays ago, but the money is not in the receivers account. 

I looked up customer service number of InstaRem and called but a busy tone and eventually after 2 rings call gets dropped. 

When I reply to their email I get an automated response stating that I need to chat with a customer service personnel that too is automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
I sent my letters off and told the credit bureaus to investigate every piece of information on the account I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I will provide my credit report showing all the in accuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-21
Company: Experian Information Solutions Inc.
State: WI
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 currently in the process of reviewing my consumer reports and noticed many inquiries not authorized or do not recognize. 
This includes : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling 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 2022-03-10
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # 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 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 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 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 2022-11-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a VA loan with Wells Fargo, XXXX # XXXX. Our loan payment increased from {$380.00} to {$470.00} from XXXX to XXXX. This occurred because of increases to our escrow account. This I believe was due to XXXX XXXX XXXX company annually increased the cost of the our Home Owner 's policy. By XXXX it rose to nearly {$2000.00} per year. 

Our home is a single story brick home with XXXX bedrooms and XXXX bathrooms We purchased the home for {$54000.00} in XXXX and moved in in XXXX of XXXX. 

In XXXX of this year I wrote a letter to the Monitoring Unit at the XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX regarding the above noted issues. I have not been contacted by the XXXX. 
We would like to return to the payment of {$380.00} per month. Also we would request that the amount of difference in the two amounts be retuned to us for the years of XXXX and XXXX. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Paxful Holdings, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have made several attempts to reach someone at Paxful regarding the issue with my account. I havent been very sucessful, no one has even bothered to get back to me or adress my issue. I have been a Paxful customer for quite some time but raely use my account. I sucessfully completed a trade almost a week ago and havent been able to withdrawl my funds do to me being required to go through the verification process which I had already sucessfully completed it when I fist opened my acount months ago. So therefore something is wrong not to mention it says that I have ran out of attempte when I didnt even attempt to send my valid Id in the first place why would I if I already did in the past. I have almost {$60.00} just sitying in my account that I cant get to and the chat bot and submitting tickets us usekess when no one responds I want my funds asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I never had a loan with this school and for two years I have been attempting to rectify this problem and as of recently XX/XX/XXXX they are again ignoring my efforts. 

The specific dates are XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I sent correspondence from myself and an attorney has sent correspondence all have been left unanswered. As a result Im being garnished and I am paying out of pocket for my current education because I am no longer eligible for student loan financial aid because of the fraud. 

This is causing financial harm including higher interest rates for my care and not being eligibility to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-11-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter from convergent XXXX XXXX, stating that I owed XXXX dollars for a XXXX XXXX account that I had not created. It was deduced that my social security number was stolen and used to create this account in my name. I disputed this with the collection agency, filed a police report, disputed the claim to credit agencies XXXX, XXXX, and XXXX, and froze the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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 status incorrect

Complaint:
XXXX has marked my payment for XXXX as past due XXXX days. I am under the XXXX program since XXXX of 2022 and my mortgage will be paid for 18 months. XXXX was already notified of this and the checks go out every month for payment. I have called and tried to get this escalated with no assistance from customer service. They can not track the payment down and have not helped what so ever. Now my credit report is being flagged for late payments and has gone down XXXX points!

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 2023-02-16
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:
Over the past several months, I have disputed the following accounts with all three Consumer Reporting Agencies, XXXX, Equifax, and XXXX I have provided supportive documentation about my claim and how the reporting is inaccurate, & or Fraudulent however, the severe inaccurate, fraudulent accounts continue to be reported on my credit report. I have requested that a reinvestigation be completed and evidence or transcript be provided of how all accounts that have been verified as accurate be provided and who specifically verified as accurate and their method for doing so. As of the date of this submission, no such documentation has been provided and the inaccurate, fraudulent accounts remain to report on my consumer report, which has damaged me, my score, and my ability to obtain housing for me and my family. 

The Accounts specifically are : XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We had our Wells Fargo ( WF ) checking and savings accounts hacked by scammers. We first reported the transactions to WF and they investigated the issues and returned our monies. At no time did they change our accounts or have us update the passwords. In 6 weeks time this issue happened again wiping us out again. I reported it again to WF and this time upon their direction all accounts were reissued and new usernames and passwords were completed. However, in receiving no direction as to the current investigation conducted by WF did they return the money. According to them I completed this, which I never did commit this heinous act. The scammers had full access to our accounts. No matter what I did the money was taken out of our account. WF has yet to provide any information about who or where the money has gone. I can not get anywhere with WF and they refuse to return our hard earned money. The amount that was stolen from us is {$22000.00} USD. There is sever security issues with WF and they can not provide consumers with safe and secure protections of hard earned money. This has been an ongoing issue for over 2 years now. The courts have recognized the errors committed by WF and have since ordered WF to make restitution to consumers. All if the transactions were made via XXXX and wire transfers. As soon as we observed the transactions via online banking I would immediately phone WF fraud dept. These calls were to no avail, as they always fail the consumer and side with the scammer. I was never given any information as to who or where the money went to, I would be told that is proprietary information, and they can't release it.

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 2022-01-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I HAVE BEEN TRYING TO SPEAK WITH SOMEONE OVER A YEAR NOW BUT I AM NOT GETTING NO WHERE. I CALL THEM AND THEY SAID THAT THEY WILL GET BACK WITH ME BUT IT'S BEEN OVER A YEAR AND NOTHING YET. I HAD A ACCIDENT IN THE CAR THAT I AM REFERRING TO. THE CAR WAS TOTALED SO MY INSURANCE PAID OFF THE BALANCE AND I WAS SUPPOSE TO GET A REFUND BACK BUT I NEVER DID. INSTEAD THEY PUT THE AMOUNT THAT THEY WHERE GOING TO GIVE ME BACK AND PUT THAT AMOUNT ON MY CREDIT REPORT 'S AND NOW I AM HAVING ISSUES GETTING ANOTHER CAR. 
THIS IS FOR ONE MISLEADING, DECEPTIVE, FAILURE TO DELIVER GOODS AND SERVICE AND MISUSE OF MY PERSONAL INFORMATION.

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