BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2023 I reported fraudulent activity on my savings account with Wells Fargo bank. XXXX different transactions- {$100.00} and {$5000.00} were taken out of savings account. The {$5000.00} was paid to XXXX XXXX. My personal information had been altered online in my account, email address changed, phone number changed. They filed a fraud claim and blocked my account, pending investigation. On XX/XX/2023, I received a letter and debit card from XXXXXXXX XXXX with my name, saying I opened a checking account. I contacted them, they filed a fraud claim as well and canceled and blocked card. And advised me to contact Wells Fargo and give them account # so they can communicate with each other regarding claims. I also received letter from XXXX XXXX XXXX XXXX, stating my information had been compromised in a data breach by XXXX with XXXX XXXX regarding deceased customers who had life insurance policies.

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 monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: PA
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 XXXX Account XXXX XXXX XXXX XXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NY
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 NUMEROUS request 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: MI
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:
The company XXXX XXXX Experian explained to me that they would not except my dispute because they feel its from a third-party. 
I continuously explain to them that the dispute did not come from I sent them my ID verification I also sent them documentation for address verification They told me to dispute over the phone or online I explain to them that I did not want to dispute over the phone or online because I did not want to give up my rights Please re-investigate this matter and remove it from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The CFPB has also gone after the financial institution for wrongful practices with mortgages. That includes customers who were charged fees when they shouldnt have been or loan holders that were unfairly turned down when they requested modifications to their loan to avoid foreclosure. 

Wells Fargo Bank did not modify my loan and had my home foreclosed and I had to file XXXX XXXXXXXX bankruptcy. 
XXXX XXXX : XXXX Loan Balance in XX/XX/2012 about 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 2021-06-20
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Nordstrom 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my Nordstrom Card credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NY
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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2023-08-06
Company: EQUIFAX, INC.
State: VA
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
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: Old information reappears or never goes away

Complaint:
I have disputed inaccuracies with Equifax on my credit profile even sent documents via fax, email, electronic and their own upload portal all the credit bureaus were notified that my information was leaked through Equifax and they fixed it but Equifax refuses to do so I have well over 22 inquiries not belonging to me and continuing I also made all bureaus aware of my correct name and address I just recently had a Adverse reaction to employment in my line of work because it was reported that I have four other spellings of my name and the state of my license is wrong I live in Florida not Texas. 

Can a lawyer be recommended for me Im at lost for words I have done everything the fact that I cant get a good job in my career and the fact that I cant even own a home at my age I have had to continue to live in expensive apartments because Equifax refuses to remove anything I call they would tell me ok and then I check back in like a month or so all the wrong information is still reporting. 

Because of Equifax my data was breach Ive been invested in getting it all clear the other bureaus have made changes after getting my documents and Equifax refuses. 

I cant catch a break my kids are grown now and will never know what it means to grow in there own home thanks Equifax for all the trauma weve been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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: Account information incorrect

Complaint:
They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wired a payment of {$58000.00} to Nationstar Mortgage on XXXX XXXX, 2016 at XXXX this payment was not applied. My first attempt to correct this error was a phone call to XXXX Nationstar Mortgage customer service line on XXXX/XXXX/16 @ XXXX this phone call was received by a customer service agent, XXXX at ext. XXXX which lasted 16 min., 28 sec. XXXX acknowledged the mistake of the payment not being applied to the correct account and that this would be corrected and taken care of within 3 business days. There was a Collection call from Nationstar Mortgage to the borrower on XXXX XXXX, 2016 which prompted the borrower to call and alert me that the error had not been corrected. I immediately called Nationstar to check on the status and spoke to a customer service agent XXXX at ext. XXXX which lasted 37 min., 41 sec. Per XXXX, XXXX did nothing to rectify the error but she would send to the appropriate division and the error would be taken care of in 3 business days. I called Nationstar Mortgage 3 days later on XXXX XXXX @ XXXX and spoke to XXXX at ext. XXXX she told me that the error was not corrected which prompted me to speak to a manager. I was transferred to XXXX XXXX at ext. XXXX. Per XXXX, he sees the error and will correct within 5 business days. I called and left a message on XXXX voice mail XXXX XXXX @ XXXX no return call so I called to leave another message on XXXX voice mail XXXX XXXX @ XXXX but I was disconnected during the transfer. I called back and left a 2nd voice mail for XXXX on XXXX XXXX @ XXXX No return call so I called and left a 3rd message for XXXX on XXXX XXXX @ XXXX I received a return call from XXXX on XXXX XXXX @ XXXX this phone call lasted 12 min., 4 sec. Per XXXX, the error is being corrected but some of the funds are " missing. '' I told him that I have a wire confirmation of the amount received by Nationstar and if funds were " missing '' then it was Nationstar 's responsibility to find the funds but in the meantime the payoff should be applied to the borrowers account so it shows paid in full. I also told XXXX that I would file a complaint with the CFPB if this was n't rectified immediately. XXXX XXXX, 2016 the borrower came in to my office with a final notice to obtain insurance and a mortgage statement showing the error still has not been corrected and that Nationstar is going to force place hazard insurance on this mortgage loan. The statement shows that there is still a balance of {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A few months ago my wife and I checked our reports and discovered multiple accounts that did not belong to us being reported. We involved the police and opened up a dispute about the accounts but there are still lingering accounts reporting that are there from the identity theft case. Im writing to request the credit bureaus correct my reports within 30 days. All items should be removed from my credit report. I never had any credit.

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 2024-01-03
Company: AmeriHome Mortgage Company, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Since XX/XX/XXXX, our mortgage company has not refunded us the full amount of our XXXX  property tax money of {$4200.00} we paid with interest. The company was sending our property tax funds to the wrong town. That put a lien on our home so we paid out of our pockets to remove the lien. The company still is delinquent in our XXXX   taxes and we now owe {$4300.00}. They have been sending checks to the town of XXXX and we live in the XXXX XXXX XXXX. We have been trying to correct this issue since XX/XX/XXXX. The town of XXXX has been trying to get in contact with our mortgage company as well when we contacted them about our checks being sent to them instead of XXXX. XXXX XXXX XXXX stated they can refund us our XXXX   taxes but needed written authorization from our mortgage company which did not authorize since they work with a third party that handles our escrow account. This has been a nightmare dealing with AmeriHome and all they do is open a work order and close the work order without a resolution. We have called numerous times to resolve issue and not resolved.

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 2023-09-23
Company: Finance System of Green Bay, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Finance System of Green Bay, WI has opened a derogatory remark against my credit for the amount of {$530.00}.

I have reached out via phone and email over a dozen times since the beginning of 2023. In any attempt to communicate I have not been contacted. I've left voicemails. I've have emailed multiple addresses. I've gone to their website. I've provided multiple ways for them to contact me. My patience is gone.

I am looking to dispute the debt and/or settle for an amount. The company has made this impossible to do. If that is the case I request the remark be removed from my credit report.

The fact I've been shafted for the past 9+ months in resolution is costing me time and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CORELOGIC 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:
VIOLATION TO CONSUMER FCRA AND METRO 2 XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America Credit Card ( Spirit Airline Brand ) XXXX Paid off in XX/XX/2021 Still shows I owe {$27.00} Why? And How?

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE

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 2023-09-20
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I sent letters to the credit bureaus on XX/XX/23, XX/XX/23 and XX/XX/23 and received no responses, in regard to my disputes. There is inaccurate information and accounts that are not mine, reporting on my credit report and the credit bureaus have not upheld my rights as a consumer by investigating my disputes and making the corrections to my credit report as I have asked them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: GA
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 contacted Experian many times to remove this XXXX because it is fraud. I open a fraud report that is attached to this complaint

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 2023-06-18
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Basically my cash app account I used for the past couple of years were closed without explaining or reasoning. I tried to contact them for the past month but they always say the same thing and NEVER got back to me. This isnt fair and I would like to be able to get my cash app card back because I legitimately did not do anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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