BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: OH
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 filed a dispute with Experian for a bankruptcy that was reported on my credit report and was notified by Experian that this dispute was received and opened on XX/XX/2023. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the credit acceptance account was removed as well. The possible finance account should have been removed as well as the credit acceptance account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: Sezzle Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to the company several times. I have asked to update the credit bureaus several. They have lied saying they sent screen shots of their accounts to the credit bureaus prior to when they report to credit bureaus. I paid the account off in full on XX/XX/XXXX. They have reported to all 3 of the credit bureaus 3 times that the account is 60days late on the XX/XX/1926 & XXXX. I have gotten hit hard on my credit reports by them intentionally reporting inaccurate information. I have filed a dispute with all 3 credit bureaus & the company won't respond to them. I need this to fix asap. I have documents showing I paid it off as well conversations we have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to see if i was XXXX effected by Wells Fargo. I see agreement was reach with CFBP. That said customes may be in line for relief money after the government found that Wells Fargo violated a host of federal consumer laws between XXXX and XXXX. 

Which was the time I had mortgage with Wells Fargo at the address at XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX. Under phone number XXXX XXXX. During that time frame. 

Consumer Financial Protection Bureau have announced how account holders can collect from Well Fargo. Which I saw all over the media. 

I wanted to know if I was XXXX of their victim to the abusive or negligent practices described by the CFPB. 

I reach out to Wells Fargo about this, At first I was told they couldn't even find that I had a mortgage with them. Which I had for years. I gave them the property address and they told me, They never saw that there was a mortgage on that property. Even under this account you can see how many complaints I file will CFPB against wells fargo throughout the years. Then I was told if I didn't have my account number they could not help me. Of course i'm not gon na have my account number after all this time. 

I was told to call XXXX phone number from another phone number. I was given multiple phone number to call and no one could help. I was even told by a lot of the representatives. They did not even know anything about this Agreement that was reach and the settlement. They act like they didn't even know what I was talking about. 

Then I was told to look for website online, only they was unsure what that really could be. Then I am told wait to see if I get a letter about this. I already had moved from that location a few years ago. 

It appeared that they keep giving me the run around and nobody looks into it.. I can not even get a straight answer from them. This is why i'm reaching out to consumer financial protection bureau, To see if I am owe any money from Wells Fargo. This is why I file the complaints since, I can't get a straight answer from Wells Fargo.

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 2023-03-30
Company: EQUIFAX, INC.
State: LA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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 several 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 information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: NEW YORK COMMUNITY BANCORP INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is currently in foreclosure and scheduled to be auctioned on XX/XX/2023. I mailed a cease and desist, and a RESPA Request to Flagstar Bank on XX/XX/2023 and it was signed and received by XXXX XXXX on XX/XX/2023. I also mailed a cease and desist, and a debt validation letter to XXXX XXXX XXXX XXXX XXXX XXXX ; this is the law firm that allegedly XXXX XXXX XXXX XXXX has hired to process the foreclosure. I have yet to receive anything from XXXX or XXXX XXXX providing evidence of debt validation. Please be advised that as of today Flagstar Bank and XXXX XXXX XXXX has failed to cease and desist all communications and collections regarding this consumer credit transaction. I have not received all of the documents listed in my RESPA Request ( please see attached ). On XX/XX/2023, I mailed a Mortgage Discharge Letter to Flagstar Bank and XXXX XXXX XXXX stating that I am open to relinquishing the property to either of these businesses in return for the money that I have paid, which is the amount on my promissory note and any upgrades that I have had done. In the midst of this, I have found out that Flagstar Bank is not a registered entity in the state of Georgia, nor do they have a local registered agent. I did receive a copy of the closing documents. Upon review of the closing documents that Flagstar Bank mailed to me, it came to my attention that FRAUD has been committed. I received a copy of the promissory note and not the original. Promissory Notes are N3 documents and considered legal tender and any copy of this note is counterfeit. There are multiple signatures on my closing documents from individuals whom were not present at closing, and there is also a notary signature and seal of a notary that was not present. I did not receive the proper disclosures on the day of closing nor anytime afterwards. Please be advised that Flagstar Bank and XXXX XXXX XXXX XXXX are attempting to steal my primary dwelling and severely impact not only my livelihood, but my XXXX dependents. They are infringing upon my constitutional rights as a natural person and they are attempting to prevent me from having safe and private housing in the midst of a housing crisis. I have constantly and consistently been harassed from many people via texts, emails, phone calls, and strangers coming by my home regarding this matter due to Flagstar and XXXX XXXX posting my private information online.

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 2023-11-24
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Ive used Venmo, XXXX XXXX PayPal, XXXX and XXXX now for about 6 years. But Venmo is a regular online payment app that a lot of my customers end up paying me through. Well last week my regular customer went to send me what he owed me through Venmo and he has done that almost every single time, said it wouldnt let him sent it because my account wasnt accessible. So I looked and saw they froze my account. I got in contact with that multiple times and followed their instructions step by step and ended up sending them a copy of my legal drivers license. I was told within minutes that they received it and are reviewing it and should take long to be unfrozen. Its now been 4 days and I have had no response from them. Ive called 3 times just this morning because since they froze the account my cell phone was shut off and thats costing me an extra {$20.00} for the reinstatement fee. ( I was transferring money from my Venmo to my bank account to pay it ) and I finally got to talk to a normal human today and asked why it was frozen, ( XXXX ) told me that someone had tried to access my account, refused to tell me the region or the device used. If he would have I could either tell him, that was 100 % me personally or oh my XXXX, thank you for tracking that if it wasnt actually me. He kept interrupting me and when I told him to stop interrupting me while Im trying to explain things to you, he hung up on me. I called back and got through to another guy, ( XXXX ) tried to explain things and I asked if he could tell me why it was frozen, he says theres no possible way for us to see why it was frozen, only the account specialist can see that so I asked to have him transfer me to one and he said the specialists dont talk to the customers for any concerns so either him or XXXX XXXX straight to me. I then asked for his name towards the end of the conversation and he said Im not disclosing that, Im ending this call and hung up. Called again and got through to a lady and asked for the names of the last 2 guys I had been in contact with, she gave them to me. And I still have got no resolution for the issue they have caused me and still no email response, chat in the app response. Or anything! Absolutely 100 % HORRIBLE customer service and once its all handled I will NEVER EVER have anything in an account that involves Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE INQUIRY 'S DO NOT BELONG TO 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 2023-03-30
Company: Experian Information Solutions 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:
Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX XXXX. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all XXXX of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from 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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 to any 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 2023-03-30
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Hello To whom this may concern : My name is XXXX XXXX an active navy federal member whom has recently experienced a tragic situation with this company. 
I request to have my XXXX federal return direct deposited into my navy federal account, that was supposed to clear on XX/XX/XXXX unfortunately upon filing my return my account number was incorrectly recorded and was deposited into an account that is not associated with me. I reached out to the branch in XXXX Nc and was informed by a representative named XXXX to reach out to XXXX XXXX and have them submit a XXXXXXXX XXXX so that the funds could be reversed and returned to the IRS for an issuing of a paper check. That following Monday I did just so and was informed on the upcoming Wednesday that the request was denied due to no funds available. I returned to the branch on Friday of that same week and spoke to a XXXX whom escalated the matter to a supervisor and requested that the funds be retrieved and returned on my behalf to the IRS. I then got a phone call on Monday XX/XX/XXXX stating that the request was again denied due to non bank error. I then explained to the supervisor that contacted me in full detail she then stated that he would resubmit the request and try to push it through but was not sure because it was not a issue caused by the bank. I then got a call on XX/XX/XXXX from a XXXX stating she had no luck and I would need to contact the IRS and have them submit a non receipt form. 
At this point I am needing someone at NF to take ownership of their over site and correct this error as soon as possible. This whole ordeal has been extremely frustrating and has caused me to loose confidence in NF ability to protect my investments. 
Please feel free to contact me at ( XXXX ) XXXX As soon as possible to discuss further of a decision. Thank you for you time. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Convergent Resources, Inc.
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief