BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
On XXXX XX/XX/2023, I ordered a bank check from XXXX XXXX  made out to the Internal Revenue Service for {$13000.00}. It was cashed at a WellsFargo bank, without endorsement or proof of identity on XX/XX/2023. I received notice on XX/XX/XXXX that the IRS had not received my check and when I went to XXXX to get proof that they had cashed it, we discovered that WellsFargo had cashed the check without an endorsement. I filed the avidaffit of fraud paperwork on that date and notified the IRS, however, the IRS said " oh too bad, here are the fees and charges for paying late. " XXXX and their affidavit department has been in contact with WellsFargo almost weekly since XXXX, however, after the initial two contacts, WellsFargo has stopped responding to the calls. They also have not replied to my attempts to reach out. 
The original check was for {$13000.00} and that was cashed against the account on XX/XX/2023. The fees from the IRS are $ 450 monthly. WellsFargo has done nothing to help resolve this case as it appears that one of their tellers knowlingly cashed a check made out to the INternal Revenue Service without requesting IDentification or any kind of verification.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # listed below XXXX, Experian, 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 XXXX XXXX XXXX XXXX Account Number : XXXX Last Updated Date : XX/XX/2022 Amount : {$3400.00} XXXX  XXXX last Updated Date : XX/XX/2022 Account Number : XXXX Amount : {$470.00} XXXX XXXX  Date : XX/XX/2022 Account number : # XXXX Amount : {$56.00} XXXX XXXX  XXXX XXXX Date XXXX XX/XX/2022 Account Number : XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/2022 Account Number : XXXX Amount : {$660.00} ______________________________

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 2022-12-05
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: Was not notified of investigation status or results

Complaint:
Equifax has been reporting the wrong credit score on my file! I often notice that my Equifax score was extremely lower than the other XXXX bureau even tho XXXX & XXXX was showing more negative items that Equifax. I called in XXXX months ago & spoke to a rep & inquiring about why that is. The rep told me he would look into it & make note on my file for a manager to look into. I have never received anything in writing stating yes XXXX XXXX we were reporting the wrong score in your credit file & what they were going to do rectify all the damage that has cause me. I am requesting in writing if they were reporting the wrong score on me what was the reporting score & what should have been the right score. I have written numerous letters to the company stating that every time I send in my drivers license for proof of indentity that they kept my score low because of my race because I couldnt understand the low score. A few months ago after seeing the issue reported on the news that the company was reporting the wrong score for many people my score went up drastically & I cant see what could have caused the change to make my score jump that high. I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-04-20
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting, Everything has to be 100 % accurate on my report.

The credit bureaus stated these account : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect a debt which is not mines ; which is also pass the STATUTES OF LIMITATIONS ; Open Accounts : 4 years O.C.G.A. XXXX. 

All of their reps that I have tried to communicate with was very unethical. 

XXXX XXXX XXXX refuse to send any written signed contacts or any verifying data about this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been past due on my Auto Loan account. I have been making multiple payments a month in attempt to catch up on the debt caused by a XXXX XXXX 

The company has used abusive behaviors, language. 

The company calls me regularly about seven to twenty times a day my phone records can confirm this. 

The company has threatened repossession, damage to my credit, and threatened me with legal action they refuse to take. 

I have requested all the account information in regards to my account to include the contract so I can review it, and requested assistance and they have refused and refused to allow me to speak to management to resolve the matter. 

This is causing emotional and mental distress in my life due to their aggressive collection activities and behaviors.

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 2022-12-08
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Basically, my XXXX credit reports have CHARGE-OFF descriptions listed on XXXX accounts that went DEROGATORY during a period of time in 2020 when i had Covid-19. During this time, I suffered a lack of income during my time of recovery. Recently I requested the XXXX creditors to remove the CHARGE-OFF description from my XXXX credit reports ( Experian, XXXX, and XXXX ) XXXX I have recovered economically so I was able to payoff the balances due to XXXX XXXX XXXX and XXXX XXXX 

I am requesting the CFPB 's assistance in deleting the CHARGE-OFF descriptions from the XXXX major credit consumer reporting agencies. I have sent them Certified Letters addressing this issue but to no avial!

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 2023-06-22
Company: EQUIFAX, 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Equifax. this has been an ongoing issue that needs to be resolved. no information was validated an needs to be cleared asap. review an remove all data listed to clear my file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
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 2022-12-28
Company: Experian Information Solutions Inc.
State: MS
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:
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. 

- XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX .... 
- XXXX XXXX Acct # 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 an 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 explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX is 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accorda

nce with the Fair Credit Reporting, Everything has to be 100 % accurate on my report. The credit bureaus stated these acco
unt : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted the credit reporting agency via website as well as phone. I have disputed inaccuracies for inquiries that are reporting on my credit report. The agency has refused to remove these fraudulent items that I did not authorize. Pursuant to 12 U.S. Code 5534 I have not received a response in regards to these fraudulent inquiries on my consumer 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 2023-07-13
Company: Yakima County Credit Service, INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm going to paste here my original complaint I filed with the XXXX. 

This collection company called YCCS was given an overdraft that occurred on my bank while I was out of town to go to be with my dad who was XXXX. He was put in XXXX. I left in XXXX and didn't return until the beginning of XXXX. I didn't have access to my banking and funds nor did my spouse as he drives truck and has never done any banking. I paid the balance in full to these people and asked them as a courtesy to remove it from my credit bureau as a good will gesture. The supervisor who was a man named XXXX refused to delete it and said there was absolutely no way they could do that they could only mark it paid. I couldn't help that I had to rent a car and drive three states away by myself to be with my XXXX dad and had to pay for his XXXX. There is no reason they can not remove this only they are being complete and utter jerks. They get a thrill out of ruining people 's lives and credit. During the pandemic we worked very hard to try and keep our credit and our heads above water then you have creeps like this who come along and destroy everything. They said it would go against their agreement with the credit bureau which is totally false. It's a company decision, not a credit bureau decision. I wasn't even aware this had happened until I received the XXXX Notice. We were in the process of closing that bank account they were collecting on and switching to a new bank because the bank we were with was dire. None of their banking apps worked. They were not open XXXX. A Whole bunch of reasons. I wasn't expecting the debits to come through the bank. 

In addition, which I forgot to add, they reference two payments that bounced. Well I explained to them the dates they wanted to set up were before our dates of getting paid and I have to always move money around because our main bank is 3.5 hours away and there is no branch near us. I wasn't aware the payments had bounced because I can't see bounced payments in my account, they just disappear. Regardless, I paid every XXXX and they are using this as a power play to ruin my credit. I told them how difficult it was during the pandemic to keep our heads above water and our credit semi good. No bankruptcies or anything else just some slow pays. We are just now getting back to some income rhythm. I explained the extenuating circumstances and the boy named XXXX explained they could not do a goodwill gesture. That is not true, it's down to a power play on their part. 

I have all the documentation to back this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
: CFPBTo I made a previous complaint case # XXXX against Wells Fargo for extra-legal business practices. We currently have litigation in the Federal Courts. Case # XXXX. 

At this time Wells Fargo has not been able to provide any documentation to back up claims to the effect that I asked for any changes to the original loan dated XX/XX/XXXX loan number ending with XXXX. They claim that the changes made were made for a refinance dated XXXX the new loan # XXXX. 

They then transfererred service of said loan to XXXX XXXX XXXX as of XX/XX/XXXX. After they had opened an estate case against XXXX XXXX estate in XXXX XXXX. Again Im not a party to said loan nor did I agree to any such changes to the original loan which, has been paid in full at this time.

Im currently seeking for this governmental agency to step in and make both companies named not only change their illegal business practices, but also ; provide me with at the very least compensation for my legal fees.

This entire situation has been one of constant frustration for the last several years. I have done everything asked of me in a timely manner and still havent had any solution to the situation.

Please advise me as to what can be done to provide me with some way of this entire situation being finished. I feel that both companies have preyed upon the fact that they can and do have endless means to hire as many attorneys as they choose in an attempt to simply slow down the legal process and in hopes that me being the little guy will either give up or simply fail. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
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:
In accordance with the fair credit reporting act, this credit reporting agency EQUIFAX INC. and the creditor XXXX XXXX has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Acct : XXXX Date : XX/XX/

Company response to consumer: Closed with non-monetary relief