BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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 with you has been compromised. I was going through my records & noticed many files 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 these 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. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} 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 2023-02-27
Company: Experian Information Solutions Inc.
State: GA
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:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: Square Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Beginning in XXXX, my XXXX  used Square for all credit and debit card processing. However, at the end of XXXX and the beginning of XXXX, we noticed an error. The money that we were collecting via Square did not match what was being deposited into my XXXX  account. After contacting Square, they launched an internal audit. After several weeks, Square contacted us and said that we were owed north of {$40000.00} from XXXX. They stated that I had two accounts with them and some of the money was hitting by checking account and the rest stayed in their system and was never deposited. After this discussion, we were promised that we would be mailed a card with the funds on the card. However, we never received that card. The two points of contact from Square stopped responding to emails in XX/XX/XXXX. We have not heard from them since that time. 

In addition, Square reported the wrong information to the IRS. The 1099s that Square sent to the IRS were for the amounts we should have received, not what we actually received. Therefore, I now owe back taxes on money that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We have paid overage payments during most of the loan 's history. However, the balance doesn't correctly represent the payments made. We have requested all overages to be applied to the principle. Yet, there has been no explanation as to why GM won't apply the overages to the principle. The loan contract is due to expire in XX/XX/2021. We are trying to understand why there are now 8 payments left. Each month an additional payment gets added to the loan. The car loan was a 0 % interest loan, " supposedly. '' With no interest applied, the whole payment made to the loan should go to the principle. There have been many credit reports that document an interest of approx. 2.9 %. All of our loan documents state there should be no interest applied. We have requested a full payment history, which has not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: TX
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:
On XXXX XXXX XXXX XXXX XXXX XXXX balanced of {$12000.00}, I took a look at my credit report and noticed inaccuracies on my credit report. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I also stated to please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof of the negative payment status for this account, or delete this account with 30 days.

Company response to consumer: In progress
Consumer complaint received 2022-07-08
Company: Novad Management Consulting LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I inherited my mother 's house in XXXX. She had a reverse mortgage and I was trying to work with Novad and HUD to save it from foreclosure. A lot has happened since then. I am XXXX and was in the XXXX  for a while. During this time I was communicating on and off with Novad about what would happen, but they were hard to get ahold of. 
I thought they were going to work with me to let me stay in the home but in XX/XX/XXXX I got a notice that a foreclosure sale was scheduled for XX/XX/XXXX. I needed more time to figure out what to do and if there was a chance I could save the house. A legal aid attorney told me that I could request a COVID-19 extension to the foreclosure deadline. She told me to call Novad, explain that I was an heir to the property, and ask for the extension. In XX/XX/XXXX I tried calling Novad many times. I could never get through. I would have to leave my number and wait for a callback. I finally got a callback on XX/XX/XXXX but all the representative would say was that I had to pay over {$480000.00} to stop the sale. I tried calling Novad again and again couldn't get through and had to wait for a callback. 
On XX/XX/XXXX I called the HUD XXXX XXXX XXXX with my lawyer but they told us there was nothing they could do and I had to wait for the callback from Novad before I could escalate my urgent request. 
On XX/XX/XXXX I finally talked to Novad XXXX XXXX XXXX, who told me there was nothing she could do and she couldn't give me an extension. My lawyer also tried to call and email XXXX and other contacts at Novad and HUD, including the XXXX and XXXX email addresses. Her correspondence is attached. She could not reach anyone by phone and when she finally got an email response from Novad, it again refused the extension request. 
HUD XXXX XXXX XXXX says that borrowers and their heirs with HECMs in a Due and Payable status may request an automatic extension while the COVID national emergency is ongoing, with the extension lasting until XX/XX/XXXX. As a confirmed successor in interest, I am considered to be acting in the shoes of the borrower. See Regulation X 12 CFR 1024.30 ( d ). Also, CFPB guidance says " As an eligible non-borrowing spouse or heir, you may ask for an extension. '' See https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/protections-for-reverse-mortgage-borrowers Novad denied my and my lawyer 's requests for a COVID extension at every turn, in violation of this guidance. In fact they seemed to not know about this guidance at all. I ended up filing for bankruptcy because I was so stressed about the foreclosure sale and having to move out of my house right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXBalance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$100.00} ; XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
on or around XX/XX/2023 request my credit report and i noticed some inquiries that i don't recognized I ask to experian, XXXX, and XXXX to do an investigation because i don't recognized these items.

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 2022-07-08
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called the company nationwide recovery system sever times. telling them this is not me. they asked me to show proof then they would take off credit report which I sent in my identity fraud papers on XX/XX/2022. 
They claim never received the mail. so, I fax in the papers to them I received the paper from the fax machine stated that nationwide recovery system received it. then a guy by the name of XXXX  [ over my claim ] would pick up the phone and hang it up after three times I spoke with somebody in customer services and then he proceeds to get on the phone saying I don't know if we have it or not after he gave me the fax number to send the information. I then asked could I speak with a manager he then says I am a manager. I knew he was lying about been a manager so I say I am recording you lying saying you are a manager he started getting very anger saying you can't record me, but I can record you! 
I proceed in asked him server times are you a manager he would no longer answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating XXXX5 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT # XXXX XXXX ACCOUNT # XXXX, XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I submitted a request to XXXX XXXX XXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/2023 and as of today, XX/XX/2023 I have not received any sort of correspondence pertaining to my request at all. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-01-18
Company: EQUIFAX, INC.
State: NC
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid 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:
Wells Fargo allowed Fraudulent Charges on both my XXXX Credit Card and My Wells Fargo XXXX XXXX XXXX after my wallet was stolen. I reported these charges to Wells Fargo as soon as I learned the Cards were missing after being pickpocketed in a grocery store. Wells Fargo did not investigate the fraud, They temporarily credited my account for one day and then Reversed all of the Fraud Charges back to my account ( s ) When I called Wells Fargo " Claims Assistance Center '' To Discuss the fraud case, I was told that the Investigator had discovered that per " Dispute Notes '' I had previously done business with one of the fraudulent merchants. Which again is not true. This issue wasn't investigated and Wells Fargo is now charging me over {$14000.00} In Fraudulent Charges. I should not be responsible for Fraudulent charges when I reported this promptly and Wells Fargo Terms and Conditions state they have a ZERO LIABILITY GUARANTEE. However as you can see from the screenshots of my online banking. There were " Several Bank Adjustments '' That were not charges not credits mind you. The Lady in the Claims Assistance Center didn't care to hear what I had to say and told me they will escalate my complaint to the " Executive Office '' Which again never heard anything back. I do not have an XXXX Account The Merchant is fraud, Nor Do I do business with a " XXXX XXXX '' Or XXXX Eats. All of these merchants are fraud and I don't even have credentials to login to any of these because they were never my accounts. How can you charge someone fraudulent debt and expect them to pay fraudulent charges when it goes against your own policies and it wasn't investigated either. I already told Wells Fargo I do not do business with these merchants and have not. Additionally one of the charges for a " XXXX XXXX '' they sent a receipt that has no signature on it. Doesn't look like my writing on the tip either. So again, Fraudster used it " Yet wells fargo verified the charges '' Again. I do not believe I should be responsible for fraudulent charges that I promptly reported. These Charges are causing the credit lines to be over for both cards and it's because of the uber charges, the favor charges, and the stub hub charges all which took place online that were not authorized.

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 2023-12-11
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief