BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2021-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 ( XXXX XXXX  ) I was contacted by a phone number that my XXXXXXXX XXXX caller ID identified as Wells Fargo, my bank. The number was ( XXXX ) XXXX. The caller identified himself as a representative from Wells Fargo and said there had been a potentially fraudulent money transfer from my account, and that I needed to take steps to reverse it. The caller asked me to log into my account using the Wells Fargo app, which I did. The caller talked me through the process of sending a money transfer of {$1500.00} to myself, which I was told would fix the problem. 
This seemed strange and suspicious, so I asked to caller to explain exactly why this action was necessary on my end. His answer wasn't satisfactory, so I stopped the process and did not complete the transfer, hanging up on the caller. At no point did I give any sensitive information to the fraudster. 
Shortly after the call, I checked my bank balance and {$1500.00} was missing, despite my not completing the process. Ibelieve the fraudster was able to hack my account or phone and complete the process on his end by some method, perhaps explaining why he insisted on my using the app. ( He did have the technology to trick my caller ID. ) I called Wells Fargo at XXXXXXXX XXXX to report the fraud. It is clear the transfer was made AFTER I got off the phone withthe fraudster but BEFORE I called Wells Fargo. Out of an abundance of caution, they said, I had to close my checking account immediately and open a new one. This had, for me, the unintended consequence of making it now impossible for me to verify more details about the transfer since that account is now closed and I can not view it online. 
Wells Fargo has refused to replace the money. CFPB regulation ( 12 CFR Part 1005 ) states that the bank is required to replace the {$1500.00} because I did not give the fraudster and personal info. I was not scammed, I was defrauded, and this theft is the legal responsibility of Wells Fargo and they are hiding behind the lack of a paper trail and the obvious flaws in the security of their online services.

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 2023-03-25
Company: Chime Financial Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I had charge on my Chime credit builder card from XXXX XXXX of {$300.00} I called because I dont have acct with them it was closed last year. So I filed a dispute with chime get my money back but at that time they said 60 days! Im like umm no thats insane Ill do it myself get this fixed. So contacted XXXX They said was glitch in system my card was still showing active so they refunded the funds on XX/XX/XXXX back to my card gave me transaction ID a ledger number and even mailed a letter to state funds were sent back to my card. I called Chime and let them know a week later they said they received nothing and I was like that cant be the case because I have all this documentation XXXX said they did everything on their part. Chime says we dont have anything we are showing nothing we need proof and I said OK well Im sending you all the proof. So they said email all prof ok Heres a copy of the letter here is a transaction ID cant you look it up youre a bank Well and then I find out they cant look it up because apparently theyre not an actual bank which Im learning this out now. So weeks go by and here I am still asking where my {$300.00} and they tell me theyre still investigating and I keep arguing the fact what are you investigating the funds were sent back in XXXX here we are XX/XX/XXXX and youre still claiming your investigating you have the proof you have everything so theyre refusing to give me my money back theyre telling me they have until XX/XX/XXXX and they have 30 days from the visa card to receive funds Ive explain to them its been 30 days you keep giving me XXXX reads from script and then they hang up on me. So then I said OK well let me cancel the dispute because theres nothing to dispute you have the funds and they dont even answer the question they go in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Resurgent Capital Services L.P.
State: SC
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with 15 u.s.c 1681-1684 I request that this account be removed immediately

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 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased XXXX XXXX XXXX from an online retailer named XXXX payment made to XXXX XXXX on XX/XX/XXXX for {$170.00}. The coins I received were counterfeits. I emailed the company requesting a refund and they wouldn't respond. I then notified my credit card company, Capitol One, and they requested the item description, invoice and company return policy. I sent this information to Capitol One. They gave me a credit on XX/XX/XXXX for the disputed amount, but on XX/XX/XXXX they charged the amount back to my account. I was told they needed more information. They suggested I have the coins appraised by a coin expert. I paid to have done on XX/XX/XXXX and sent them a copy of the appraisal stating the coins were in fact counterfeit. As of XX/XX/XXXX they have not given me credit for them. 
I have attached copies of payment recipe showing amount paid including description, email request for a return refund ( was never answered ) and appraisal from coin experts verifying coins as fake Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested to XXXX XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to providethis or any copies of documentation verifying this account, yet they have been willing to putthis unverifiable debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Exeter Finance Corp.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have notified this debt collector of the illegal actions they have been taking in regards to my installment credit sale I created on XX/XX/XXXX. This company is still falsely reporting to my consumer reports thru XXXX, XXXX and XXXX derogatory information which is hurting me in finding a new home. I have sent a debt validation letter XX/XX/XXXX, XXXX in which they failed to send the correct validation of this alleged debt. On XX/XX/XXXX after over 90 days of them still inaccurately reporting I asked for the name and address of the ORIGINAL CREDITOR and have not heard anything back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Resurgent Capital Services L.P.
State: NV
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with XXXX, specifically the XXXX XXXX XXXX. 

Around XX/XX/, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with XXXX, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had XXXX sent any communication regarding this forthcoming charge. 

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of XXXX resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with XXXX, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment. 

Despite my attempts to rectify this issue directly with XXXX, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report. 

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with XXXX and a copy of my credit report highlighting the disputed late payment. 

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home is a VA backed mortgage and the new servicing company is called XXXX XXXX XXXX, in the past two months they have committed fraud, theft, lied, attempted to use my name to obtain and change my Insurance Policies, attempted to extort cash from me. 

They have lied numerous times all documented on a Gov recorded phones and to my Insurance company. They have been misleading me a XXXX Veteran and attempting to extort fund from me illegally. 

They have on now several occasions false called people using my name to obtain personal and private data in an attempt to defraud me and the US Gov is a Mortgage fraud scam. 

I urgently request a Criminal Investigation commence at once

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, 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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: IL
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 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 correction because they were reported incorrectly 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below are the account that need to be removed : XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/21 my wife and I completed the closing on a refinance loan through Rocket Mortgage. Subsequently, we were informed that our existing mortgage could not be paid off because our mortgage lender was outside of the XXXX And, if the payoff could not be made to a XXXXXXXX XXXX  account the note would have to be terminated. The mortgage company said it would take several weeks to establish a XXXXXXXX XXXX account to accept the payoff and cost {$750.00}. XXXX XXXX at Rocket Mortgage said he would issue the payoff check and once the bank account was setup it could be deposited. I told him that during the time between closing on the new loan and paying off the old loan I'd be paying double interest. He said that would be taken care of after we get the payoff completed. Upon completing the payoff on XX/XX/21 he then informed me that Rocket Mortgage would not honor his commitment and credit me the interest paid to them even though I had no access to the funds I was being charged interest on. When I told them I wanted to terminate the new loan and be made whole they said that can not be done because the loan was already sold ( I received notice of that ). It seems clear to me they enticed me with the lure that my interest would be taken care of long enough to sell my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm contacting you in regards to Account # XXXX with the company XXXX XXXX. I submitted a complaint on XX/XX/XXXXXXXX  with the CFPB about this account, as a result XXXX XXXX agreed to close the account. According to the response on XX/XX/XXXXXXXX  it was stated : Nevertheless, at this time, we have made a business decision to close your account. No further payments are owed. We will also submit a request to the three major credit bureaus to which we furnish information to update our reporting to reflect the account closure. Please allow up to sixty ( 60 ) days for this update to be reflected in your credit report. Although we will not delete the tradeline associated with your account, once we report your account as closed, we will no longer furnish information to the credit bureaus. Currently my equifax account reports that the account is active, and have been reporting as late since the arrangement. I opened a dispute with equifax and have yet to get a response. The inconvenience is causing a negative effect to my score in the process of me rebuilding my credit. I spoke to the credit monitoring department at credit acceptance yesterday and the the representative mentioned that it is a possibility not a promise that the account may be removed as of XXXX of XXXX. I'm asking that this account be removed from my complete credit profile via : XXXX, XXXX, and Equifax due to the violation and reporting false information. Thank you

Company response to consumer: Closed with explanation