BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I've been a victim of identity thifet and mail thifet and have Ben advised by my local police department to file for identity thifet, I just recently Ben aformed that I may have a bank of America pre paid card issued by the XXXX that I did not recognize and belive unauthorized transaction have Ben charged with out my knowledge or permission and would like to have an investigation to be initiated by Bank of America to dispute any charges that may have Ben placed

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 2022-10-27
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'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 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 explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-25
Company: Experian Information Solutions Inc.
State: MI
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 already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXXXXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX  Balance {$730.00} XXXX XXXX XXXX  Balance {$2400.00} XXXX XXXX XXXX Balance {$0.00}

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 2022-11-28
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX I reached out to Experian regarding their reporting of an inaccurate account on my report. They have failed to conduct an investigation and they have not fixed the account.

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 2023-05-23
Company: TRUIST FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
I received a Truist fraud alert text on XX/XX/23 with case number XXXX. I had a lengthy one hour conversation with XXXX in fraud management to confirm that a charge for {$130.00} dated XX/XX/23 was not me ( it is showing as a declined charge ). He blocked the card and for the reissued card, I asked that it be sent to me via express mail. The same individual ( XXXX ) called me back on XX/XX/23 at XXXX XXXX  and informed me to call back to XXXX. I called back and they advised me that instead of a replacement card being ordered, in error the account was closed. 

This is for card : XXXX XXXX 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 2021-04-10
Company: EQUIFAX, INC.
State: MI
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check for {$6400.00} to XXXX on XX/XX/2020, but the payee of the check was changed to XXXX. The payee was changed to be an invalid check. I went to the bank to deal with it, but they deliberately made things difficult., Find all kinds of reasons to shirk responsibility.

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 2021-04-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
theres several issues with XXXX reporting on my defective XXXX XXXX loaned XXXX down XXXX XXXX  according to three banks- XXXX , XXXX  , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX XXXX XXXX refused to fix my car 3x. XXXX left me no choice but for them to repo it in XXXX ( SIXTEEN ) - not XXXX ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask. 

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.

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 2023-04-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with WELLS FARGO and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, copy of my credit report, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing a WELLS FARGO account on my credit report because it is not mine and I did not open it. WELLS FARGO has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. WELLS FARGO sent these letters on XX/XX/23. I have since started a second investigation with WELLS FARGO and the 3 credit bureaus. I advised WELLS FARGO that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which WELLS FARGO does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed WELLS FARGO and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised WELLS FARGO and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature, it should be removed. However, they continue to end the investigation in WELLS FARGO favor, even though they have not validated the debt with documentation bearing my signature.

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 2021-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I received a ATM Debit card from Chase Bank. I never had a Chase Bank Account or opened a Checking Account with Chase Bank. This is identity theft and fraud. They used my social security account, birthday, and address. Chase Bank caught it and closed the account due to fraud and send us a check in the amount of XXXX cents. We called the bank on the XX/XX/2021 to make sure the account was closed due to fraud. We went into the branch on XX/XX/2021 to return the check. I am not taking responsibility of this account or the check. They wrote void across and I kept it for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: IL
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: Personal information incorrect

Complaint:
REPORTING INACCURATE PERSONAL IDENTIFIERS

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 2021-03-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I enrolled in the Wells Fargo Forbearance plan last XXXX. Before I enrolled in the forbearance plan, my loan balance was {$160000.00} XXXX or {$150000.00} from Wells Fargo representative ). After 5 months, when I am ready to resume monthly payment to the loan, I found out that my loan balance is increased to {$160000.00}. I didnt make any modifications to the loan. I called the Wells Fargo loan department. The representative told me that the increased amount of {$4900.00} XXXX $ XXXX {$150000.00} XXXX is the total deferred monthly payment, and is added back to the loan balance at end of the forbearance plan. However, the deferred amount did not deduct from the loan balance at the beginning of the forbearance plan. So, I need to pay XXXX the deferred monthly payment. The loan balance should not change at end of the forbearance plan since the loan was not modified. I called Wells Fargo several times and spent more than 10+ hours on this case, and they refuse to fix the mistake.

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 2022-04-28
Company: EQUIFAX, INC.
State: MI
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 to the credit bureau about inaccuracies on my credit report. I have yet to receive a response after more than 30 days. I feel as if I'm being taken advantage of and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to examine these matters within 30 days gives a basis to remove those items from my credit report immediately ; it has been 30 days without a response, and they should be erased as soon as possible. I demand that these accounts be deleted immediately, or I will initiate a lawsuit to compensate me for the stress you have caused me. In addition, the Equifax data breach exposed my personal information, which may have ended up in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
EXPERIAN is reporting that Late payments on account XXXX XXXX account number : XXXX on my personal credit report. I was never late on this account. Experian can not provide proof of these negative marks. I demand they update this account to paid on time/ never late, as it should be. And mail to me a Correct credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Select Portfolio Servicing is the mortgage company. 
-The seller of the home is the personal representative for the Estate. 
-Home was sold on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Payoff quote valid until XX/XX/XXXX of {$92000.00} was provided by SPS to XXXX XXXX XXXX on XX/XX/XXXX. 
The correct amount of mortgage payoff funds were received by SPS on XX/XX/XXXX, following sale of the mortgaged property. 
XXXX XX/XX/XXXX, SPS accidently issued a check to XXXX XXXX for taxes. The check amount was {$2500.00}. XXXX XXXX issued a refund to SPS on XX/XX/XXXX because the taxes were paid during the closing of the house on XX/XX/XXXX. 
- Subsequently, SPS erroneously issued the estate a check in the amount of {$2800.00} on XX/XX/XXXX - The estate cashed the check - The personal representative contacted SPS in XXXX of XXXX after receiving multiple Mortgage Statements and notice that SPS was purchasing home insurance for the house. 
- The personal representative contacted SPS 3 times for an account review. 
- The first account review determined that there was a mistake and that they should not have issued the Escrow Check and determined that a value of {$2400.00} should be issued to SPS to close out the account. This was on XX/XX/XXXX. The letter does not specify the type of check or what date that check needed to be submitted by. 
- That requested amount was sent in to SPS ; check was cashed by SPS on XX/XX/XXXX and credited to the mortgage account. 
- SPS has failed to release the lien on the home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CORELOGIC INC
State: PA
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:
To : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : 1. Inform the business where the account was opened that the debt is the result of identity theft.

2. Stop collection activities against me.

3.Stop reporting information about the debt to credit reporting agencies.

4.If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft.

5. provide me with the records I requested. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your cooperation Sincerely, XXXX 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 2022-10-27
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX XXXX XXXX FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN

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 2023-05-23
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sequium Asst Solutions have been informed numerous times regarding a disputed claim from XXXX. The debt was also removed from credit reports, however, this agency would NOT stop contacting me. My most recent and final interaction with this agency is when I submitted a written notice XX/XX/2023 and informed the agency to stop calling and providing my attorneys information XX/XX/2023. 

Since then, this agency has not stopped calling me nor responded to my written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Shellpoint Partners, LLC
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: Information is missing that should be on the report

Complaint:
I have disputed multiple times payment history is incorrect on account. This account is showing open from 2015 and has no payment history but yet has late payments? I have also sent them a certified letter disputing errors and they did not respond at all. It has been 30 days now as well and they have not responded according to the Fair Credit Reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Credit Plus Inc
State: WA
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:
Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/2016, these were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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