BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: MO
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 submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), The Credit reporting Agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
I am requesting that you conduct a thorough investigation into this matter, remove the fraudulent accounts from my credit report, and provide me with a corrected credit report once the investigation is complete. Additionally, I request that you place an extended fraud alert on my credit file to prevent any further unauthorized activities. Please provide me with a written response acknowledging the receipt of this dispute letter and inform me of the actions taken to address this issue. I understand that resolving identity theft disputes may take some time, but I urge you to expedite the process to minimize the impact on my financial well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: AZ
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 # XXXX XXXX, AZ XXXX XX/XX/XXXX EQUIFAX To whom it may concern, please help me sir or maam! 

You are reporting and publishing inaccurate information ( tradeline ) accounts, personal info, late payments, and inquiries in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. 

The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. 



FRAUD WRONG PERSONAL INFO DELETE XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX INQUIRIES DELETE XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I request that you DELETE/REMOVE the above-listed FRAUDULENT accounts, personal info, late payments, collections and inquiries off my credit report. 

Please provide me with an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. 

For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address along with a police report of fraud on my profile. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 

Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My wife Died XX/XX/21 she had a XXXX XXXX  card after she Died XXXX was sending a Bill every month for Less than {$20.00} Dollars. Didnt think I was responsible for it was in my wifes name. Found out later that I was on it as a user found out my Daughter was on there as a user also. She received a bill on it. So we paid it. Closed Account. So dont think I should be punished for {$20.00} and thats the on late charge that I know of in my XXXX years of being alive. I have a couple of homes paid for and the only credit I have is a new car payment. Trying to get a XXXX mortgage with a low interest rate which isnt very low.and thats on 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 non-monetary relief
Consumer complaint received 2022-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX Wells Fargo discontinued carrying " secured '' credit cards, which I am a customer of. According to customer service agent this past XX/XX/XXXX, I was mailed a check XX/XX/XXXX in the amount of the " secured '' card ( {$300.00} ). Well, over one year later, every time I contact them, all they can do for me is open a " case '' to have someone eventually review, inform, and still not mail me {$300.00}. My accounts are now passed due, credit has been ruined, and they now tell me " good luck. '' I'm homeless now, and it feels like when I go into a branch, they look at me like I'm crazy for asking for my money. I'm so shattered inside by this type of treatment. Sad, just sad.

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 monetary relief
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ORGANIZATIONS LISTED IN MY ATTACHMENT BELOW DID NOT RECEIVE WRITTEN PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT FROM ME. REPORTING LATE PAYMENTS, CHARGE OFFS, AND ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND WHICH IS FRAUD ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THESE ORGANIZATIONS HAD NO PERMISSIBLE PURPOSE TO PULL NOR FURNISH MY CREDIT REPORT. I DID NOT GIVE MY WRITTEN CONSENT WHICH IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave XXXX many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying for 30 days to unfreeze my Equifax file in order to apply for a credit card. It was very easy to unfreeze the XXXX and XXXX but impossible to unfreeze Equifax. I have tried dozens of times on their website and made dozens of calls to Equifax phone centers. I have tried both automated and spoke to several employees on multiple dates. I have faxed the requested identity information twice. I was initially told that the wait time for a response would be 5 to 7 business days and then told 30 days. My first fax was sent on XX/XX/XXXX and the second was XX/XX/XXXX. Equifax refuses to disclose why my file has been restricted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: CITIBANK, N.A.
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:
I have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are XXXX company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.

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 2021-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo purchased our mortgage soon after we purchased the home. Then, the pandemic hit. We opted to take advantage of the mortgage payment deferment and deferred a few payments. These payments were supposed to be tacked on to the end of our existing loan. We tried to refinance the house to take advantage of lower interest rates and to do some home improvements. Our new lender told us we couldn't do a home improvement loan because we already had 2 mortgages. We never signed anything about a second mortgage and knew nothing about it. Upon further investigation, we noticed that in the online tool for our mortgage account with Wells Fargo, we only saw 1 balance and 1 loan number. But for some reason the new mortgage company saw 2 balances showing with Wells Fargo. Because of this, 2 mortgage companies told us that they couldn't legally offer a home improvement loan to us due to Texas State law. Our only option to clear this up was to do a simple refinance of the house so that we end up a simple, single loan again. In a few months, we will try to get a home improvement loan. This additional refinancing step cost us well over $ 20k that we should never have had to spend. But, we went ahead and did it to get away from Wells Fargo 's misleading practices. Hopefully, they won't buy our new loan from our new mortgage company.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 2020-11-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank keeps changing their terms of service to overcharge my account by the way of overdraft fees. Wells Fargo charges {$35.00} everytime they assess an overdraft fee. To get Wells Fargo to reverse a charge, they make you call in and navigate their automated phone system. This means wait times. They also recommend that the consumer sign up for text message alerts. 

Yesterday, I received such an alert and within a few hours I transferred the funds to cover the overdraft. Nonetheless, the very next business day, I get another text message, that a Wells Fargo Overdraft fee as tipped my account into the negative. I call WF to get the fee reversed. XXXX, their employee responds and offers me a registry. I insist WF reverse the fee. XXXX offers to reverse half the fee. I insist WF reverse the full amount. She places me on hold and WF reverses the fee. She says this is a one time thing and is not a guarantee that WF will not do this in the future. 

She asks me if there is anything else she can do for me. I suggest her to that WF reverse their policy of looking for opportunities to overcharge their long time customers or even go back to their old policies. She started arguing with me, interrupting me and terminated the conversation. It should not cost me 14 minutes 24 seconds to keep my own money.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 XXXX, booked a flight from XXXX, Fl to XXXX XXXX, Tx using my BofA card ending in XXXX. That transaction was processed without incident and the travel occurred. 

On same day, XXXX, I booked a flight from XXXX XXXX, TX to XXXX, FL using the exact same card ending in XXXX for travel @ XXXX XXXX on XXXX. Now all of the sudden XXXX claims there is a problem with card XXXX  XXXX from BofA verified the transaction was in fact valid and that XXXX was paid in full as to the price of the ticket. 

XXXX is engaging in fraud and a cover for political reasons and at the behest of political allies in XXXX XXXX Texas. This behavior has me stranded at the airport. This was planned as they know that I only had available money in the account to cover the original ticket, so even though the money has been collected which BofA ( XXXX ) verified, XXXX is telling me to purchase another ticket knowing that I do not have the available funds to do so. This is also entrapment with the intent to cause financial injury via XXXX political friends for complaining of government fraud and a cover up :

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 2018-10-21
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have tried to get verification from Bull City Financial, the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I have also sent letters to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
I sent over 4 letters demanding validation and they don't respond to me. The last letter I sent was certified mail on XX/XX/18. So far nothing and it is affecting my credit.

Company response to consumer: Closed with explanation