BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Chapters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2006 I bought a new XXXX  XXXX pickup. The " seller and I the buyer '', signed an agreement, that stated, that if at anytime there are " any changes '' to the contract, that it " would only be inforceaible only if both parties. signed it. As per our agreement, we assigned the contract, to WFS Financial, the lender, in accordance to the conditions of the contract with the agreement that WFS FINANCIAL would adhere to all the conditions of our contract. WFS Financial, failed to adhere to the conditions of our contract, which by the contract, conditions, made the contract non- inforceaible which made the contract, void. Then WFS Financial, was purchased by Wachovia Bank, without any " contract with me '' then Wells Fargo Bank, aquired Wachovia Bank, and nobody had any legal contract with me. In contracts, when one of the parties, breaches any of the conditions in the contract, the other party, is no longer liable for any of the contract conditions in the voided contract, the buyer no longer owes anything and the lender '' no longer has any lien rights, in the voided contract. Wells Fargo Bank, after about 15 years of forcibly taking my property the pickup, Wells Fargo Bank only paid me " half '' of the value of the wrongfully taken property. Wells Fargo Bank, had no contract. Wells Fargo Bank, only has paid, half of the amount I paid for the property and Wells Fargo Bank does not even consider paying for all the years I have suffered, because of Wells Fargo Banktaking of property that had, no legal lien on and now they refuse to pay anything because of the taking of property that they had " no right to take '' ....

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 2023-07-19
Company: WELLS FARGO & COMPANY
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-05-26
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a current customer with a SavorOne Rewards card. If you visit this website you will see the new cardholder bonus offer. I have attempted to call into the foreign call center multiple times and they do not understand or know about it. 

https : //www.capitalone.comXXXX I have nearly spent {$500.00} within the first 3 months. I would like to receive the {$200.00} cash back bonus. 

My new phone number is XXXX I am not happy with Capital One. I have never had to complain about XXXX. So if I do not get a {$200.00} bonus I will gladly close my account with Capital One and no longer be a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX, XXXX XXXX and XXXXXXXX XXXX XXXX 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 accounts 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 this 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Now that my loan was transferred, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.

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 2022-06-16
Company: ZenResolve, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received notices that I owe money to a company called XXXX which hired a company called ZenResolve to collect {$1600.00}. They don't have my birthdate but somehow they have my social security. I am unfamiliar with this company. They don't have any contracts or statements to accurately reflect that any monies were taken. Again, I don't recognize this company and they reference a bank account with XXXX XXXX that I don't have. In fact, I don't have a XXXX XXXX account. 

I am trying to get this debt discharged and make sure it doesnt affect my credit.

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 2019-01-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/2019 payment was auto drafted for more than double the amount of the payment. I promptly logged into the Shellpoint Mortgage Servicing website and saw that my escrow analysis had been redone. I quickly saw that Shellpoint had forced placed insurance on the home, even though in XXXX  they listed themselves as lien holders on all my insurance policies. These insurance policies have been in place the entire duration of this loan. I also saw they had listed county and school taxes. These taxes are not associated with this home, and taxes are not escrowed with this loan.

I called Shellpoint on 1/2 and explained these errors. They notified me that the correction process would take a few weeks. I have emailed and mailed Shellpoint all copies of my insurance, and sent a letter explaining the errors. I have continued to call back, at least twice a week, for updates. A few times I was told that they would have a resolution by 1/19. Today, I was told they still have no resolution. The taxes still need to be reviewed and escrow analysis done again. My escrow account has not been refunded the erroneous forced place insurance policies. I confirmed with them that I owe a 2/1 payment, and it is still more than double the amount it should be.

How many people can afford to make two mortgage payments in one month 's time? That is what they have done to me, and are trying to do for the second month in a row.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
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 according with the fair Credit Reporting Act XXXX Account XXXX XXXXXXXX ( SXXXX 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 furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I sent my statement to CEO XXXX XXXX of the Bank of America Corporation ( BAC ) with facts and documents supporting credit card fraud perpetrated by individuals ' unauthorized use. CEO did not respond to my statement to date. 
Due to ongoing renovation, I only asked my son to buy items we need from XXXX XXXX and XXXX. I never authorized anyone else to use my card. From XX/XX/XXXX, my son was trying to buy a table but could not. On XX/XX/XXXX, I went in person to meet with local BAC staff. They told me that my card was blocked due to a suspicious transaction for {$180.00}. I told them that I would ask my son and call them back. On the same day I called them. No one was there. I tried on XX/XX/XXXX and XX/XX/XXXX and there was no one to talk to. On XX/XX/XXXX, I reported the fraudulent charges to BAC staff by dates and amounts. They asked me not to pay the charges. On XX/XX/XXXX, I noticed a balance due of {$3600.00} on my card. I reported more fraudulent charges to BAC staff. I asked them to cancel my card and not to issue any BAC card because of the aggravation it caused. On XX/XX/XXXX, a new credit card was generated by BAC without my knowledge or consent. On XX/XX/XXXX, BAC reposted the fraudulent charges to the new card. I never asked BAC for a new card and I never received it. I have been a victim of identity theft and the police are aware of that. When I showed them the BAC documents I received, they indicated that BAC should resolve the problems they created. When I asked them to investigate, they asked me to come back when BAC identified the perpetrators of identity theft. Local BAC staff were aware of my identity theft and the temporary lifting of the security freeze from the three major credit bureaus to enable them to process BAC credit card which I received in XXXX, XXXX. BAC never sent me the identity of the perpetrators of fraud. Instead, they reported me as delinquent to 3 major credit bureaus and one in XXXX, XXXX, to ruin my credit history for no fault of me. I always paid BAC the charges incurred and they continue to charge interest and penalties on their new card. I am not liable for fraudulent charges. I sent them my driver 's license, utility bill, etc. They never responded.

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 2023-05-26
Company: EQUIFAX, INC.
State: DE
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 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 2023-05-26
Company: EQUIFAX, INC.
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Monday, XX/XX/, it was revealed to my office manager that a check, from a separate practice, had been stolen and made fraudulent. Both medical practices use the same vendor and so our checks were mailed out together. With that said, because their check had been compromised, mine could possibly suffer the same fate. 
On the same day my office manager notified my PNC representative, XXXX XXXX, of the situation to see if we needed to do anything on our part. Later, on XX/XX/2023, it was discovered that my check had indeed been affected as well. 
The fraudulent check was cashed on XX/XX/2023, for {$17000.00} with a completely different receiver noted and a signature that was not mine. It was made out to XXXX XXXX where the original one was for XXXX XXXX in the amount of {$2000.00}. I had written many PNC checks before this one and I would have thought, especially with the given large amount being cashed, that my signature would have been checked for authentication, but it was not. 
Both my office manager and I made numerous attempts to get updates from PNC regarding this issue. Not once did the bank, that is supposed to protect my money, reach out to me on their own for an update. To this day it is still my end checking in for a status update. 
In XXXX, after receiving the only mail from PNC regarding this issue, my office manager spoke with XXXX XXXX to once again correct PNC with the proper information on the check that was stolen. My office manager reached back out to XXXX XXXX to ask why it appears that nothing had been processed when this issue first came to light. He stated that he had initially put in two requests. I am not confident that is true given that XXXX is executing this now, 2 months later. 
Eventually I was directed to speak with XXXX XXXX who was not any better at keeping me updated. My conversations with her gave no insight into any progress being made during the investigation. Dealing with her did not ease the stress, it only confirmed my feelings that this issue was nowhere near a resolution because no one seemed to be vigilante. 

Now, 6 months into this process, I am being told that there is nothing to be done about the stolen funds. I found this to be extremely unacceptable, even more so after discovering that the mutual XXXX  with the stolen check, who also banks with PNC, was able to rectify their fraudulent check that was in the same envelope, within a timely manner. 
This issue has caused me to question the logic of banks. Why do we open accounts and pay for checks if we can not guarantee the security of our accounts?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a charged off account from XXXX on my credit report that should have been removed from my credit report in XX/XX/XXXX. The account was first reported in XX/XX/XXXX so it is now well over 7 years old. Experian is the only credit reporting company that continues to report this account. XXXX and XXXX have removed it. This account was first reported delinquent in XX/XX/XXXX and I have disputed the account since day 1 as I have never lived at the address reporting the charges. The account shouldve been removed from my credit report in XXXX but Experian had refused to even let me dispute it. This is violating my rights under the FCRA and I intend to seek legal action against Experian if this is not corrected 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 2022-06-16
Company: Experian Information Solutions 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 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 US Department of EDU # XXXX US Department of EDU # XXXX DPT EDXXXX # XXXX EDFIN/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

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