BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
Online disputes were filed with all 3 credit bureaus on : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and dates older regarding an account where the balances are incorrect. 

The original balance is listed as {$8700.00} but the past due balance is {$15000.00} which is not at all possible given the original balance was only {$8700.00} not to mention the car was resold and that amount was not deducted from the balance. 

I have even worked with credit repair companies and this account is still listed on my report incorrectly. After the dispute investigation its only reflected as updated with no changes and no one contacting me via phone or mail acknowledging that a dispute was received. In my opinion, no investigation was completed and this is not just applicable to this account but all accounts that I have disputed in the listed dates above and prior to those dates. I am aware of the Texas code for financial institutions in that surety bond info must be accurate and active in order to do business in this state. After a thorough search, no surety bond information was located for the company listed above. Also when attempting to reach out to that company, there is misleading information about when needing to file a complaint or concern.

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 2022-12-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently rec 'd a letter from Wells Fargo telling me I 'm in arrears in taxes, utilities, etc. This is clearly impossible as I have the canceled check for the utilities and a receipt for property taxes. With all the fraud going on by them, and the implied threat in the letter, I can just imagine that 'll try and call the loan in and I 'll be fighting them in court. They are immensely corrupt and arrogant as I 've had to deal with them in the past. My loan has always been paid on time with extra thrown in. When I wanted them to rewrite the loan when the rates went down, they refused. When I said I could go somewhere else they told me go ahead, we do n't care! Their corporate attitude is abysmal! The also told me XXXX had to make the change as they just service it. XXXX says that 's not true and that it 's up to Wells Fargo to make any changes. The whole banking industry needs to be revamped!!

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: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My partner was suffering from XXXX XXXX and I called XXXX repeatedly. Once they arrived, he convinced them that I was starting fires and they refused to leave my home until I went in the ambulance with them and drove two blocks to the hospital. They took my ID card from my wallet and told me I would not be charged for this ride and that I could leave as soon as w arrived, which i did. Months later I get this debt, immediately called and told them the situation and they said they would take care of it. In the process of buying a new home and frankly I was surprised to see this still on. my credit report. This so ludicrous and I want it expunged immediately, if not compensation for dragging my credit score down all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Late payments on my report are incorrect

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 2019-07-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have filed 4 disputes ( XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ) with both Experian credit reporting agency and XXXX XXXX XXXX ( the creditor ) to correct an error on my report that showed up on XX/XX/XXXX. I have NOT had an active account with XXXX XXXX XXXX since XX/XX/XXXX of XXXX when my mortgage was transferred to another servicer ( XXXX XXXX ). Each of the disputes I have filed with both XXXX  XXXX XXXX AND Experian has resulted in NOT changing the error on my report. This is adversely affecting my attempt to re-finance my loan at his time by showing that I have two months in a row where I was 30 days late ( XXXX & XXXX of XXXX ). As of XX/XX/XXXX and every prior credit report back to XXXX of XXXX, the reporting was accurate because my account was closed and transferred from XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. Each of those reports showed 30 days late from XX/XX/XXXX and no late payments or XXXX. I have the online credit reports from Experian dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( and can submit others going further back ) showing the XXXX payment to XXXX XXXX XXXX as not late. 

The simple fact that XXXX  XXXX XXXX transferred my mortgage loan to XXXX XXXX  on XX/XX/XXXX shows that it is IMPOSSIBLE to have my XX/XX/XXXX payment be 30 days late. I was only a customer of XXXX XXXX XXXX for THREE full days in XXXX of XXXX. I am confused as to how this change was made on XX/XX/XXXX and also why the change was made. But this erroneous change has negatively affected my opportunity to refinance my current loan to a lower loan percentage, a shorter term and also take money out of my refinance for home repairs. This needs to be corrected ASAP.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at annualcreditreport.com and all three credit reporting companies, XXXX, transunion, and XXXX  claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what annualcreditreport.com is for. 

Thank you!

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 2020-10-17
Company: Netspend Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a deposit account with XXXX XXXX, part of Netspend Corporation, on XX/XX/20, using a referral link from another accountholder. The purpose of using the referral link was to receive the advertized {$50.00} referral bonus that is promised to both the referring accountholder and the referred accountholder. Moreover, I referred another person to open this account in hopes of receiving another {$50.00} referral bonus as promised. I followed all required activities to get the bonuses ( activated debit card, opened savings account, had a direct deposit, etc. ), but I did not receive any bonus. After reaching out to the customer service of XXXX XXXX, I was told that I am not eligible for any bonus because I have a pre-existing Netspend account. I argued that this was not mentioned in the terms & conditions for the bonus, but I was still denied.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i was used as a authorized user but this is affecting my credit score because whoever account this is their are over their credit limit and it is messing uo my credit score im trying to take out a morgage so i can buy a new home but i cant until this tradeline is removed from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: MN
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers 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 explanation
Consumer complaint received 2021-06-04
Company: LEXISNEXIS
State: WA
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:
XXXX Corporate Headquarters : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, Utah XXXX REGISTERED TRADE NAME PROPERTY NOTICE TO CEASE AND DESIST From : XXXX XXXX XXXX DBA XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX XXXX ] Date : XX/XX/2021 Re : Registered Certificate of Assumed Name XXXX county Superior Court No. XXXX and Registered Trade Name with Minnesota Secretary of State File No. XXXX. DC Corporations Division : XXXX XXXX, The trade name XXXX XXXX XXXX, et alia ( TN ) is registered property of XXXX XXXX XXXX. 
It has come to my attention you are in direct violation of infringement on my property. 

The infringing actions include the following : Misappropriation of the TN on credit bureau reports.Take notice, I have the right to protect, limit the use, protect my good will, reputation and commercial affairs and the use of my property. You are in a trespass on my TN NOTICE OF PENALTY FOR UNAUTHORIZED USE XXXX XXXX XXXX united states dollars penalty for each unauthorized use of the TN or any derivative or variation thereof is your agreement to pay me per unauthorized use. These terms are due and payable in net seven ( 7 ) days. 
Authorized use requires prior express written permission from the undersigned owner of the TN or any derivative thereof. 

IT IS REQUIRED THAT YOU : Remove all TN references from credit bureau agencies at once You have ten days ( 10 ) to comply with the above request. 

I remind you that this letter serves as a pre-suit notice for a lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement ( s ) including any reasonable attorneys fees. 
It is in our best interest to have this issue settled outside any federal or state court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: ZIONS BANCORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In early XX/XX/XXXX I was a victim of identity theft. I notified the bank of fraudulent charges on my credit card account. I filled out dispute which they lost. However the Bank did close that card and issued a new one that I did not want. I did not receive the new card. The Bank closed my internet banking at the same time as closing my credit card. I asked them to make sure statements were mailed to me however I never received any statements. Unauthorized transactions in the amount of {$4800.00} were made on XX/XX/XXXX. I recently received all of this information as a judgement from the court was brought against my in the amount of {$13000.00}. I settled with the Bank for the amount of {$12000.00} however, with payments I made back in XXXX and early XXXX I should have only owed {$5000.00}. The Bank attacked me when I was dealing with XXXX treatment for my father and also my wife. I had repeatedly in early XXXX told the Bank I was not receiving my statements and even though the fraud department knew of my identity theft they did nothing to stop the fraudulent charges. I had signed up for estatements and if you do that evidently if your internet banking is closed they do not remove a code to insure statements are mailed.

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 2020-11-27
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I spoke with Southwest Credit Systems XXXX XXXX XXXX about my debt balance of {$420.00} that was originally a debt with XXXX. I explained to them that my information should not have been transferred to them because the debt was with XXXX. However, Southwest Credit Systems agreed to pay for deletion in the amount of {$210.00}. I paid the {$210.00} to settle and have the debt removed but the debt is still listed on my credit report as negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Are you reporting on behalf of a business? 
No Business Name : Is the incident currently impacting business operations? 
Age : Over XXXX County : California Country : United States of America XXXX : California XXXX Transaction ( s ) Transaction Type : Credit Card Transaction Amount : XXXX Transaction Date : XX/XX/2023 Was the money sent? No Victim Bank Name : Wells Fargo XXXX Bank Address : XXXX XXXX XXXX Victim Bank City : XXXX XXXX XXXX Bank Country : United States of America Victim Bank State : California Recipient Bank Name : Wells Fargo XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX Bank City : XXXX XXXX XXXX Bank Country : United States of America Recipient Bank State : California Description of Incident The fraud people took my money from my back. There is no record of this transaction. They were very clever. 
My husband had just committed suicide, so I was vulnerable. 
I have changed all passwords. 
Wells Fargo will not reimburse me for this amount. 
I can not seem to upload the photo of the check. 
Thank you.

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 2022-12-15
Company: EQUIFAX, INC.
State: AR
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:
XX/XX/2022 Per the FCRA, as a federally protected consumer, I am opting out of any and all authorizations, I the consumer may have given you, written you, not written you, verbally, non-verbally. Per 15 USC Code 6802. I am rescinding effective immediately and indefinitely.

15 U.S. Code 6802 Obligations with respect to disclosures or personal information ( a ) Notice requirements ( b ) Opt out ( c ) Limits on reuse of information ( d ) Limitations on the sharing of account number information for marketing purposesA financial ( e ) General exceptions I have asked all credit bureaus ( XXXX, Equifax, XXXX ) to remove all hard inquiries per 15 USC Code 1681 in which they have not.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting at consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures I have asked all credit bureaus ( XXXX, Equifax, XXXX ) to remove all student loans information per the Family Educational Act of 1974,20 U.S. Code 1232g - Family educational and privacy rights in which they have not. 

Family Educational Rights and Privacy Act ( XXXX ) : The Family Educational Rights and Privacy Act ( XXXX ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

I have asked them to removed inquiries in which they refused.

Company response to consumer: Closed with explanation