BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/20 syncb/PayPal has placed an inquiry On my credit report that I did not authorize nor initiate They are harming 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numbe # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to Experian on XX/XX/XXXX. Unfortunately, Experian has not responded to my inquiry. In accordance with the Fair Credit Reporting Act, I am seeking your assistance in resolving this matter. 
I would like to provide the following details of the inaccurate information that requires correction on my credit report : Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I kindly request that you correct this discrepancy on my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} I can confirm that the indicated account was never late. The reported information is incorrect, and I request that you update this inaccuracy on my credit report. 
Account Name : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I request that you correct this discrepancy on my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} I would like to emphasize that the indicated account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$400.00} I want to bring to your attention that the aforementioned account is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX. Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} I can confirm that the indicated account is not mine. The reported information is inaccurate, and I request that you remove it 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 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-01
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:
Three accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-11-04
Company: TransferWise Ltd
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I hope this message finds you well. I am writing to bring to your attention the issue I am currently facing with my TransferWise account. When I attempted to log in recently, I received a message stating that my account has been deactivated. 
I value the services provided by TransferWise and have been a loyal customer for over a year. I understand that there may be reasons for account deactivation, and I would like to take this opportunity to rectify any issues that may have led to this decision. I submitted an appeal and this is what I got as a reply from wise. " Thanks for your email. Unfortunately, I cant see why we closed your account Customer Support cant see this information. We know this is frustrating. To claim any remaining money or appeal this decision, please go here and follow the steps : http : //wise.comXXXX  Once youve made your appeal, our team will be in touch with updates. Let us know if you have any other questions. Were happy to help. Best, XXXX XXXX Wise '' I kindly request you to review my account status because this is a mistake. Reason being that I havent made a duplicate account or unauthorized payment or uncompleted payment arising to this decisions. If there are any outstanding requirements or concerns that need to be addressed, I am more than willing to cooperate and provide any necessary documentation. I have being operating with my business account via wise legally registered under the Registeration in the United State Alabama. I got up a few week ago just to my surprise, logging into my account I was told its deactivated. I have other business services to transact with supplies and I wish you can look into this for me to reactivate my account for me respectfully as I am ensuring I dont violate any regulations by your noble firm. 

I assure you that I am committed to adhering to all the policies and guidelines set forth by TransferWise. I genuinely appreciate your prompt attention to this matter and your assistance in reactivating my account. 

Please do not hesitate to contact me at XXXX  if you require any further information from my end. I look forward to your positive response and the reinstatement of my account. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 was told a soft inquiry would be done not a hard inquiry. I did not signed any documents agreeing to run my credit, and i do not appreciate being lied to just so they can make a sale. 
XX/XX/2020 XXXX XXXX XXXX, Bank of America XX/XX/2020 XXXX 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 2023-06-01
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
After years of requesting proof of ownership and being ignored, only to receive what I have found to be fraud. My trying to resulve this issue has cost me my small retirement and many sleepless nights and getting the same results for free from HUD services, my total bill was XXXX dollars reduced to XXXX dollars total. I believe that I am the victim of an ongoing crime regarding the foreclosure action on property I own. I was notified that foreclosure had been initiated on my property and believe there is substantial securities fraud as well as other crimes that have occurred or are occurring at this present time. After spending time studying financial matters, the law, and making inquiries of, and discussions with knowledgeable persons regarding the origination of the purported loan on the property ; I have discovered that there has been, what appears to be, a counterfeit copy of the Mortgage Note presented as proof of claim by a certain group of people, including, but not limited to, agents of the mortgage company Shellpoint Mortgage and attorneys working for them. I believe there is a conspiracy to take my property unlawfully through foreclosure using counterfeit securities as evidence of a purported debt and believe there are multiple individuals involved in this crime. I have made demands that the individuals involved provide proof of their claim.These copies are, in fact, counterfeit securities under 18 U.S.C.-474. ( counterfeit security ) as evidence to attempt to defraud me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was going over my CREDIT REPORT I found addresses that I never lived at. please delete the following addressesXXXX XXXX XXXX XXXX OH,XXXX-XXXX  XXXX  XXXX XXXX  OH,XXXX  XXXX XXXX  OH,XXXX  XXXX  XXXX XXXX  OH,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 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX services. 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

Capital One bank is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
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:
In 2015 me and my husband filed bankruptcy but we did not file against our home. But since then Wells Fargo has not been showing on my credit report that I have been making my payments every month. They are saying on my credit report that I filed against them but didn't. I have spoke to different people multiple times and always get told they would fix it. I even got a letter one time from Wells Fargo saying that while doing a audit they noticed that they weren't reporting my payments and would get it fixed and yet my mortgage is still not showing on my credit report. I have been in my home for 12 years and would like my credit report to show that. 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 2022-03-09
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an additional complaint, about a continued failure of PHH to comply with Federal law and pay a delinquent tax bill on a property that they service the mortgage for. Consult the first complaint for the circumstances that led to there being a delinquent tax bill. 

This complaint is a separate, second issue, which is that once I notified PHH of their previous failure, they have continued to fail to correct the action by paying the bill. I first notified them on XX/XX/XXXX through their website. Then as of early XXXX I started routine phone calls with " escalation managers '' who are utterly incapable, unempowered, to do anything about the problem. They say that they have passed along the problem to the tax department, but they refuse to put me in touch with that department. 

As is stated on the delinquent bill, and as I have stated with every conversation with PHH, if the bill was not paid by XX/XX/28, the county would be advertising my name in the newspaper as a delinquent tax payer, and charging me a fee to do that. 

Being that such action would cause irreparable harm to my reputation, beyond the harm already caused by having my bill marked as delinquent in a public-facing search, I elected to pay the bill and the late charges out of pocket to prevent the advertisement. I have not notified PHH of this action, because I'm curious to see how long it takes for them to get around to fixing the problem that they have created. When I spoke with the supervisor of the escalation managers, after the XX/XX/28 final due date, she said " be assured, it will be taken care of. '' Taken care of? If the bill wasn't paid as of then, it was already about as not taken care of as was possible. Clearly PHH is perfectly fine with my name being advertised in the newspaper as a delinquent. If this had played out, I would have been happy to sue them for this, which would have changed absolutely nothing but would have wasted plenty of my time and their money. 

As of now PHH continues to delay and take no action, perhaps up until the point of the county foreclosing on the property and selling our home, all because of PHH 's inaction despite repeated calls, a Notice of Error, and the previous CFPB complaint. Meanwhile all I get from them is letters that say they need more time to investigate. There is no more time! These proceedings have deadlines, and those deadlines have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
This account has been in dispute since 2019 we have been going back and forth. As I notice looking at a old report that I will included that is account have been deleted from my report XXXX times or more and keep getting reinserted on my account. I have disputed this account regarding the inaccuracies that was posting. This account is still reporting in accuracies within my account with all three bureaus. 
Have been disputing this account for far to long and it should be removed.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2018-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My husband was offered a job by a woman through the website indeed. She hired him and sent a check to him saying it was for computer software and parts he would need to purchase in order to start training. She prompted him to send funds to these people in exchange for their software. We deposited the check on a Friday and on Tuesday the funds became available to us. We followed the prompts and did as the hiring recruiter asked. All the Money was disbursed. The following day our account went negative. The hiring recruiter and check were a fraud. We contacted the banking center for help, the police station, XXXX XXXX ... .. no one has been able to help us resolve this issue. Our account remains negative. How can my bank release that full amount of money without seeing that the check was a fraud. I have sometimes had transactions that only partial money was released until a later date. This was not the case here so I never hesitated that the check wouldnt have been good. I have all documents, case numbers, contact info of the recruiter Any info you may need. Please contact me and help me resolve this issue. Thank you for your time.

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 2023-03-23
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: Personal information incorrect

Complaint:
I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX This need to be removed I have reported to remove from TransUnion 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 non-monetary relief
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 collection account with XXXX XXXX, XXXX was removed from my Transunion credit report. However, my credit score did not increase due to the removed collection account 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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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