BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
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:
My loan was transfered to XXXX XXXX XXXX from XXXX mortgage XXXX. I was sent a letter in XXXX that my loan would be transfered. On XX/XX/XXXX my payment was drafted to XXXX to pay for the XXXX payment, I called newrez on XXXX and spoke with a XXXX   explaining that XXXX had drafted the money and I did not know if they would pay XXXX directly or would be refunded. XXXX said they would put the money back into my account within 5  days and they could draft the funds so I agreed. on XX/XX/XXXX the funds were drafted by Newrez, but XXXX did not put the funds back into my account until XX/XX/XXXX. The caused my loan not to be paid and a NSF to NEWREZ also resulted. When I sent in a letter and my bank statements showing what happened I was told that it was not their problem that I had insuffient funds to cover the draft and that they would not refund the {$25.00} NSF and would not take back the 30  day late according to the CFC 1024.33 ( b ) ( 4 ) ( v ). I have owned this house since XXXX and have never been late. I ask that someone help since this was due to a transfer of my loan. I paid NEWREZ {$2700.00} XX/XX/XXXX not realizing that this had happened. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: MI
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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions Inc.
State: OH
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 OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.

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 2019-07-06
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Atlas Credit Company opened a fraudulent account in my name after an individual stole and used my personal information. Atlas allowed this perpetrator to open an account with a printed paper ID and obviously forged supplemental documentation. The account was opened on or around XX/XX/2019. After identifying the credit inquiry and subsequent account opening Atlas was contacted and informed of the fraud. They were also provided a copy of the police report opened with XXXX Police with the accompanying Report # XXXX and the direct contact information of the Detective assigned to the case. After Atlas was notified of the fraud they confirmed they would flag the account and that my personal credit would not be affected. As of today they have not taken any action on this fraudulent activity and began reporting this fraudulent account as delinquent causing my credit score to drop from XXXX to XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. Furthermore, I dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXX XXXX I request that you promptly investigate these accounts and take the necessary steps to rectify the inaccuracies on my credit report. I also kindly ask that you provide me with updates on the progress of your investigation as required by law. Please be assured that the information provided in this letter and the accompanying documents are genuine, and I take full responsibility for their accuracy. I appreciate your prompt attention to this matter and your assistance in resolving this case of identity theft.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between XX/XX/XXXX till XX/XX/XXXX I was " scammed '' by a gentleman identifying himself at an officer of the Federal Trade Commission of the USA, XXXX XXXX. During this time frame I was directed to make multiple cash withdrawals from the Chase checking and savings account. I was told my identity had been stolen and it was used to create at least 10 bank accounts that were now being used. To demonstrate my innocence to this man/process, I was directed to " secure my account or secure my funds '' by withdrawing cash from both by checking and then savings account. Over the period of days I withdrew XXXX. 

I feel frustrated in that while I have reported this to the local police department in XXXX WA, the Federal Trade commission website and multiple departments with Chase Bank there is no help for this type of crime. 

There is NO restriction from banks on withdrawing large sums of money on a daily basis. There is no check by the bank locations to screen for possible fraud/scam when unusual amounts of money are requested on a daily/bidaily basis. 

I do have copies of bank withdrawal slips and also receipts from the Bitcoin ATM machines in XXXX WA that I placed the thousands of dollars in. I also have 2 phone numbers that were used by the Scammers to call me/text me to about this crime that was committed. 

The FTC Officer was XXXX XXXX His phone numbers use were XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the recession of XXXX and its subsequent fallout our property was targeted for foreclosure after Wells Fargo refused to help us avoid foreclosure. We never missed a payment and were told multiple times that there was nothing to be done to assist us in avoiding this disaster. We lost our home in XXXX of XXXX. We were offered XXXX consolation in resolving this problem of their inability to restructure our mortgage. I had multiple contacts with Wells Fargo which led to nothing. Please help us. We had been excellent customers. 

Thanks 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charged overdraft fees for charges not made by myself. I've had to have my debit card replaced several times due to unauthorized charges that led to having overdraft fees not returned to me. 

Dates included : XXXX for an unauthorized charge of {$16.00} plus a {$35.00} overdraft fee unreturned. 

XX/XX/XXXX Unauthorized charge of {$8.00} plus {$35.00} overdraft unreturned. 

XX/XX/XXXX Unauthorized charge of {$44.00}. 

XX/XX/XXXX {$10.00} charge and overdraft fee unreturned. 

XX/XX/XXXX Two unauthorized charges of {$29.00} unreturned

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 2023-01-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was contacted via Postal Mail on XXXX XXXX about a XXXX  credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by Midland Funding Inc XXXX XXXX XXXX  XXXX MiXXXX  ( Judgment Creditor ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included XXXX XXXXXXXX XXXX ( the true creditor ) out of XXXX Ohio. Judgment : {$980.00} on XX/XX/, total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with XXXXXXXX XXXX with the last payment made in XX/XX/. I visited the Local XXXXXXXX XXXX Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to Midland the debt collector also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XX/XX/2023, I was the victim of Identity Theft of my personal information and banking information of my Bank Account at USAA. From XXXX XXXX to XXXX XX/XX/2023, an unknown person impersonated as a USAA Customer Service Representative and armed with extensive knowledge of USAA 's Security Procedures was able to obtain my entire debt card information including XXXX security code and XXXX ( XXXX ) digit pin along with answers to my security questions. They contacted me using the actual USAA XXXX number that their contact center uses and proceeded to deposit multiple fraudulent checks of {$4500.00} in my account and then withdraw it quickly with a newly created account from XXXX XXXX XXXX  they made with my stolen debt card information which occurred within a 3 day span. USAA has determined that I was held responsible for the fraudulent transactions in my account after I requested XXXX investigative reviews, a representative from their fraud department to contact me so I could pass on information to help find the scammers, spoke with a spokesman for the company 's CEO 's Office and Executive Committee Three times and was assured a fraud department representative would call me to discuss the matter on XXXX XX/XX/2023 which did not happen. I was not initial instructed on how to go about disputing the fraud charges until I spoke with the XXXX  customer service representative days afterwards who actually helped and they froze my main joint bank account I've have with my wife and the end of the month VA XXXX pension funds I needed to pay for my family 's housing, food and utilities Until I pay the negative balance created from the fraudulent transactions I didn't commit. Note : I've been a member of USAA for XXXX  years, Banking with them for almost XXXX  years and I'm a XXXX  XXXX XXXX  Veteran and XXXX  XXXX  XXXX  XXXX. Never done anything illegal nor attempted to as a customer yet they still are holding me accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my 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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020

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 2019-07-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: TX
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 sent my documentation to Equifax asking to verify the accounts reporting negative on my credit report. They keep telling me that the information is verified but they have NOT provided PROOF by way of documentation and/or my signature on contract to show that this is actually my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: RI
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:
In accordance with the fair credit reporting act. XXXX, XXXX, equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation