BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scammers had stolen the identities of several individuals one of which was my friend. I was prompted and encouraged to invest in cryptocurrency by my friend thinking it is actually hee. Little did I know I was being scammed and they somehow were bridging my money transfers to themselves and my money was never being invested in those websites or apps. They were directly stealing it and when I asked for a withdrawal they bribed me for more money. I have never fallen for such scams, but because they had stolen and hacked my friends identity, I thought my money was safe. Especially since the websites seemed legit. The following are the websites : XXXX XXXX XXXX XXXX XXXX XXXX I used changelly via XXXX to purchase the bitcoin but my money was being wired elsewhere and stolen. Since XXXX is an legitimate website, I did not think my money was disappearing. 

Later my friend was able to get the identity back and sent me a conversation the scammers were having with the fake accounts about scamming me. I took this case to Wells Fargo but they did not get my money back. There was several transactions made to the wallet number XXXX Then, the scammers tried stealing my identity and were constantly trying to log into my personal accounts, especially virtual wallets to get full access. Wells Fargo did absolutely nothing about this claim. A total of $ XXXXwas wired and stolen. 

I have attached a video of the scammers having a conversation. The video was screen recorded by my friend once she got her identity back. The conversation is between her and another account the scammers have hacked which belongs to a young mom. Notice the voice of the scammers are of men with heavy accents and those voices do not belong to either of the ladies. 

I have also attached two videos of the conversation I was having with my Friend whose identity had been stolen and I did not know. I attached another conversation with the scammers who had stolen the young moms identity ( again of which I was clueless ).

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-07-23
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of May. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue XXXX and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, 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 2022-10-15
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Talked to NEWREZ customer service ( XXXX ) today about form Initial Interest XXXX XXXX Notice sent to me XXXX XXXX. The estimated new rate and mortgage payment will be {$980.00}. The new payment due on XX/XX/XXXX is based the XXXX index, my margin, my loan balance of {$100000.00} and the remaining loan term of 276 months. My CURRENT LOAN BALANCE is {$100000.00} ( +/- ). I inquired what would be my new monthly payment with the lower loan balance. They said they only prepare XXXX form a year and I received it on XX/XX/XXXX. I question why I wouldnt receive a new form which would be updated with the new rate. I would like an explanation from Newrez.

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 2021-07-23
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea who or what this account is, I've never gotten any type of contact from them. I only know because I've recently been checking my credit score more often. I've written and called them multiple times but I've never gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX/XXXX/2020. Spoke with Stillman Law office. I called in to try and make a settlement with them. They denied settling with me and also let me know that there was a judgement agianst me that I was never informed of. They threatened to garnish my wages, threatened to garnish against my home and threatened to garnish my tax refund. These people do not even have my name correct and the claim is innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit was fraudulently used to apply for a capital one credit card XXXX XXXX XXXX have never applied for a capital one credit card please look into this matter as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wells Fargo bank just break federal consumer protection laws, the bank just finalized a settlement but never reached me

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 2021-12-17
Company: Experian Information Solutions Inc.
State: MS
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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-07-25
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: ALLY FINANCIAL INC.
State: MD
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:
Ive called an talk with customer services since XX/XX/2021 an was told my account is paid in full an that they would update it on 3-5 business days. On XX/XX/2021 I received a congratulations letter Indicating that I paid my account in full. When I dispute the balance on my credit report it came back indicating that I owe the balance an that the information is correct when its not correct. I paid the balance in full an I have proof an I want the information corrected.

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 2019-05-06
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: Account information incorrect

Complaint:
On XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX 's credit card apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX  's saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX   instead XXXX  's, I also found out that XXXX 's is owned by XXXX  and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank.

Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' s instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX  's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've disputed my Bankruptcy XXXX Transunion claimed it was Verified by the Courthouse. How? Seeing as the Courthouse doesn't supply this Information ( See Attached Letter ). There is no way possible that you verified this when XXXX & the courthouse confirmed that's 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
Consumer complaint received 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have Bank of America Visa credit card. As part of my benefits I can get reimbursed ones pe year to apply for XXXX XXXX XXXX for me and my wife. By the end of this year my wifes and my XXXX XXXX  Cards will be expired, and I decided to renew both cards. To verify my benefits I called Bank of America customer support, and person confirmed that I and my wife will get reimbursed for XXXX XXXX Cards renewal. After I completed renewal online, I received reimbursement only {$100.00} for me, but not for my wife. I called Bank of America customer support and after being on hold and selecting all options to connect to the right representative for almost 45 minutes, I finally spoke with XXXX representative. Thank conversation was absolutely useless since did not know the issue and forwarded my call to U.S. Customs and Boarder Protection hotline. I could not understand how U.S. Customs and Boarder Protection office can help me with Bank of America credit card rewards benefits. I called back and spoke with XXXX representative. At least he was some how helpful, and created case number to escalate this matter. A week later, after I did not receive and feedback from Bank of America, I call the again and spoke with another representative. Unfortunately, representative told me that my refund was denied because I have only {$100.00} refund per year. I explained to her that I was given false information then I call to verify coverage. I told her if I knew I have a limit, my wife has her card from XXXX XXXX with the same coverage, and I would use my card for myself, and my wife will use her card for herself. It was impossible to get through her and later through her manager. They bot did not have any empathy and willing to help and resolve this issue. It was like hearing pre-recording message We Decline your claim. I told them I have checking account, Visa Card and HELOC account with Bank of America, but now I may look somewhere else when my next cycle to renew my Visa card, and I will move to other banks who treat their customers with dignity and respect.

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 2023-06-08
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: MS
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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
XXXX XXXX and equifax as well As XXXX XXXX continue you report negetive info about my report without my written consent they keep allowing 3rd party debt collectors report and they infringed on my privacy15 us code 1681 a also n 18 us code 8 I mean I am my own creditor I have unlimited Credit yet its the law that they inform me about reporting on my report then they have to have my consent to do So but they never have

Company response to consumer: Closed with explanation