BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
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: Account status incorrect

Complaint:
The credit reporting company continually and flagrantly is reporting inaccurate information regarding my total and completely discharged XXXX loans serviced by XXXX for the US Dept. of Education. 

It is erroneously reporting the status of the students loans are transferred - sold - or paid. When supporting documentation from XXXX and the US. Dept. of Education emphatically states the loans have been discharged with XXXX balance. 

The impact of this is detrimental to my personal financial overview, as anyone or algorithms can interpret the " transferred - sold '' comment indicates that I still have a balance just no longer with initial creditor or servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Yes I tried to check my account and it was closed so I called them and asked them why my account was closed and they told me it's because of a negative balance and how can that be and I have money in my account they gave me no explanation so they said go to review @ chime. com give them my name and the last 4 digits of my social and I did it then I get a email saying send a picture front and back of my ID and hold it up and write on a piece of paper my name address email date of birth last 4 of my social I did it they said it will take 24 hours for them to resolve the problem and that was yesterday it's been 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-06-17
Company: EQUIFAX, INC.
State: NJ
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:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Enclosed : copy of State ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account ; 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
Consumer complaint received 2022-11-04
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:
On XX/XX/XXXX I submitted a letter to the 3 credit agencies known as Equifax, XXXX and XXXX. As of today XX/XX/XXXX, I have yet to hear from XXXX. I heard from Equifax and XXXX. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from XXXX. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. XXXX is reporting that {$65000.00} is past due and XXXX is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, Equifax is reporting that the account was charged off starting XX/XX/XXXX. However, XXXX is showing that the chargeoff started XX/XX/XXXX. Also all 3 of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C XXXX is reporting that I have no payments on the account under payment history. However, XXXX is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that Equifax deleted this account because it is inaccurate. 

Exhibit D Equifax is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. XXXX is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. Equifax is showing that the account was paid on time in XXXX of XXXX but XXXX is stating that it was charged off by then. XXXX is stating that I made no payments on this account which clearly contradicts everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
It should be known that this complaint is filed against XXXX, XXXX, and Equifax for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. XXXX reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by XXXX. 6. XXXX also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. XXXX also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and XXXX has failed to do so. 8. XXXX reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. XXXX also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. Equifax report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
So in XX/XX/2018 I received Loan Modification by XXXX XXXX XXXX to sign the modification, and to bring the account current. So I accepted the modification and made the first three trial payments on time. In beginning of this month, they sent me another modification document to sign which increased the interest rate from 4 % to 5.62 %. And, also increasing my monthly payments from $ XXXX to $ XXXX, and when they tried to send me the loan modification document they tried to backdate the dates which mentioned the loan modification was taken place in XXXX of 2018. XXXX is claiming that it was a clerical error on their part but it is clearly evident it was not through out the document. 

Furthermore, they are trying to increase my interest rate so I owe them money from they months I originally signed the paperwork. They have to honor the modification which was originally signed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; 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 non-monetary relief
Consumer complaint received 2020-11-05
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:
i personally submitted this request to all three credit bureaus. I went to XXXX XXXX  in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX  XXXX XXXX. I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX and equifax have been found liable to inaccurate information and false approval offers. To which they are still doing and not removing inquiries. I have multiple hard inquiries due to XXXX XXXX & equifax false approvals lowering my credit rating and increasing my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX received a alert from XXXX stating a new credit was opened and reporting XXXX on my credit report with XXXX utilized. This caused my credit score to drop 57 points. I hen logged into my XXXX to verify and saw thw said account. I reached out to company via phone and was told that this was a Bank named Synchrony who Paypal had been sold to and that because they are now the owners of the accounts and is Bank they have to report to credit bureaus. I proceeded to ask more details and was told that the merger was in XXXX and that they just began reporting in XXXX. I was told that they were the new Bank for my Paypal account. I tried to explain that initially when I signed up for the Paypal account in XXXX it was advertised as a free line of credit with no reporting to credit bureaus. I explained that this was the only reason why I decided to sign up. I explained that if I had known that the potential for credit reporting could eventually change I wouldn't have never signed up. I also informed them that I had received no notification of the said changes. All they could do was apologize and explained that they would still be reporting on my credit account because the account now belongs to them. I asked why consumers weren't given options to prevent credit reporting prior to the official merger start date. It was stated that there were no options because they purchased the accounts and now own the accounts and no such options existed. I personally believe that it is fraudulent to not inform consumers of change so important that would affect their credit scores in such a major way. I never authorized anyone including Synchrony Bank to create a credit account in my name and begin reporting to credit bureaus.I believe that proper notification and options to close the account prior to credit reported could have been given. I would like the following practices to be properly investigated as this company is refusing to move the information off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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: Personal information incorrect

Complaint:
On the dates of XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018 I disputed incorrect names, addresses, phone numbers, SSN 's  and inquiries from my credit reports. XXXX, and XXXX removed the incorrect items with no problems because I sent my SSN card, my Driver 's License and a fax requesting that the information be updated and or removed because I did not live at those addresses, my SSN was not correct and the names listed on my reports were incorrect. Experian has failed to complete my requests even after showing proof. I am beyond tired of this company. I have followed all the steps I know to follow, by making calls, uploading documentation, faxing the information etc. and still nothing has been removed.

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 2023-11-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
WELLS FARGO BANK , N.A . refused to provide the note, any assignments or the XXXX information. WELLS FARGO BANK , N.A . used a forged deed of trust to perform a non-judicial foreclosure. They used an employee ( or her name ) to robo-sign an assignment from MERS. This was the only assignment after the initial closing documents. 

XXXX. WELLS FARGO BANK , N.A . acting as servicer, did conduct a nonjudicial foreclosure on subject property on XX/XX/XXXX. 

XXXX. WELLS FARGO BANK , N.A . recorded a fraudulent, forged deed of trust on subject property. Essentially assigning the subject Deed of Trust to itself. 

XXXX. WELLS FARGO BANK , N.A . admitted to securitizing the subject note. 
XXXX. WELLS FARGO BANK , N.A . states that they are still in possession of the original subject note. This means that WELLS FARGO BANK , N.A . is a ) providing misleading information about the current owner/possessor of the subject note to a federal court or b ) never conveyed the subject note to the securitization trust. The XXXX website lists XXXX XXXX as the guarantor of the alleged debt. 

5. In violation of the federal False Claims Act, the National Servicer Guidelines and the XXXX OCC Consent Judgment, WELLS FARGO BANK, used a WELLS FARGO BANK , N.A . employee ( XXXX XXXX XXXX ) who purports to be a Secretary of MERS and employee of WELLS FARGO BANK , N.A . XXXX XXXX acting as a notary of the State of Minnesota id conspire to forge and assign a deed of trust on the subject property to itself. 

XXXX. WELLS FARGO BANK , N.A . recorded this forged Deed of Trust in the XXXX XXXX, Missouri Recorder of Deeds records across state lines. 

XXXX. The fraudulent, forged Deed of Trust was used to have Claimant, her children and pets, forcibly removed from their home. 

XXXX. XXXX  was never named on the original note. 

XXXX. WELLS FARGO BANK , N.A . is not the original lender or the current owner of the note and has no security interest in the subject note. I, XXXX, XXXX XXXX XXXX XXXX XXXX revoked security interest . However, WELLS FARGO BANK , N.A . continued to retain all interest in the security and fraudulently took possession of my property no longer bound to the security. 

10 Violations of the Federal Reserve Act Section 29 11. I, XXXX, XXXX XXXX WELLS FARGO BANK , N.A . a security to process through the U.S. Department of Treasury. They only kept the security for themselves. It was never returned. No proceeds or dividends were provided. 
There was never a meeting. WELLS FARGO BANK , N.A . wanted to record all calls. However, they refused to allow me to record the calls to protect myself. XXXX XXXX violations. 

All of these unlawful acts by WELLS FARGO BANK , N.A . have caused near grave harm to Claimant, her children and pets.

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 2023-02-10
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:
To Whom It May Concern, On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXXXXXX XXXX  XXXX Account number XXXX you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter.Therefore, your response was due on or by XX/XX/2022 Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming account verified but sent no proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have nol made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation . 
As a result of your conduct as described above, you shall promptly delete the disputed Information. Additionally, as per the FRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) [ ( Select one ) modify or delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my malling address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation