BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX I was alerted to unauthorized activity in my account. I then noticed a wells Fargo XXXX XXXX  XXXX was added to my account that I didn't authorize or apply for. I reported it immediately over the phone and in person at the XXXX mn bank. 
I was told by personal banker XXXX XXXX XXXX not to report it to the police. A few days later I noticed a charge of {$1000.00} and I immediately went back to my XXXX branch to report it as well as numerous phone calls to wells Fargo. Over the course of the next 3 months wells Fargo continuously told me lies and falsehoods about my situation. Wells fargo took the application with fraudulent information and limited personal information like my address and home phone number and approved it without my authorization or knowledge. They wouldn't help me and in fact took this fraudulent XXXX reintroducing it into my account XXXX separate times with XXXX separate numbers. I didn't know who to turn for help after they tried to get me to pay interest on the fraudulent card. The person they assigned to my case XXXX XXXX lied about my situation to me and complaints about the lies went unanswered over and over. Nothing I did or said made any difference to Wells Fargo so I finally closed my checking and saving accounts after decades of doing banking. On XX/XX/XXXX I finally had enough of wells Fargos fraud and corruption towards me and filed a police report to get wells Fargo to quit committing the fraud they kept perpetrating on myself. I'm not entirely sure but an employee might have committed this act since I read numerous articles describing the kind of corruption and fraud I experienced with Wells Fargo. Wells Fargo could have been a hero in this situation but they turned into the villains siding with the Scammers over me the Customer.

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 2023-11-13
Company: EQUIFAX, INC.
State: MO
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 am writing to address an ongoing issue with fraudulent items on my credit report. Despite my initial dispute, these items persist, and I am making a second attempt to have them removed as they are significantly affecting my financial standing. 

I previously contacted your organization to dispute the presence of fraudulent items on my credit report. These items are not an accurate reflection of my financial history and have caused substantial harm to my credit score, making it challenging to obtain loans, secure favorable interest rates, and achieve my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. 
Documentation highlighting my responsible financial behavior and positive credit history. 
Despite my initial efforts, the fraudulent items continue to negatively impact my credit report. I am deeply concerned that these inaccuracies may further hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial well-being.

I formally request a thorough reinvestigation into this matter. I urge you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately represents my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2019-09-11
Company: AMERICAN EXPRESS COMPANY
State: NY
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 disputed an entry to my credit report from AMERICAN EXPRESS to XXXX ( XX/XX/XXXX ). They reported me DECEASED ( BOTH AMEX AND XXXX ), and sent my information to an agency called XXXX which notified me I was dead. I immediately called them and reported I was not deceased and they would report this to AMERICAN EXPRESS ( XX/XX/XXXX ). I tried to contact AMERICAN EXPRESS on numerous occasions, by telephone and via internet, and could get nowhere since they said my account was closed.. I was contacted by XXXX XXXX , XXXX . ( and was successful in negotiating a settlement with them for NO LATE FEES, and only monies owed to AMEX ). The amount paid was {$1600.00} against an AMEX LATE FEE BALANCE OF {$3200.00} Terms of the settlement with XXXX was ( 1 ) remove the DECEASED from the credit report ; ( 2 )  REINSTATEMENT of the long-standing account at AMEX ( XX/XX/XXXX year opened ), and ( 3 ) no income to me on a 1099 at year end since this was AMEX error. XXXX   concluded their report with no change, XXXX took the payment, and our credit report still remains DECEASED with a charge off of {$3200.00} to AMERICAN EXPRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: PR
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:
I have spoken with representatives at XXXX and received communication via email on my XXXX  account as Meets requirements of the Fair Credit Reporting Act. XXXX has repeatedly denied my right to privacy regarding my nonpublic personal information. I demand the above information on the XXXX line item LATE PAYMENT be excluded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Dates and amount and I can't access the account number on my pay stubs

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote XXXX XXXX and XXXX on XX/XX/, asking for full media validation and account details and requesting a dispute of a debt. Neither firm replied. I sent a second request to them via Registered Mail USPS in XXXX. 

Instead, the companies placed a derogatory item on my account, falsely asserting that I owed them. 

I included pictures of the returned telecommunication equipment, the XXXX document that verified shipment, the email acknowledging receipt, and other details. The alleged debt contains not details, itemization of charges, or a reply withing 30 days as required by the ECOA and FDCPA.

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 2019-09-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX, XXXX Experian / XXXX XXXX. Box XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. 

DELETE XXXX XXXX XXXX XXXX because the balance owed " '' {$830.00} and the High Balance {$830.00} is the same amount. How can the High Balance be the same amount as the Original Balance? Please Delete This Violation DELETE XXXX XXXX XXXX XXXX because the balance owed {$420.00} and the High Balance {$420.00} is the same amount. How can the High Balance be the same amount as the Original Balance? Please Delete This Violation Any inaccuracy on an account makes the entire account invalid and it must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Ive included a copy of my State Drivers License and Social Security Number.

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 2023-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave CoreLogic my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.

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 2019-09-11
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I would appreciate it if you could take a look at the attached documents. I want the bureau to investigate these accounts promptly, as they are reporting me as late despite my punctuality.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, Transunion and XXXX  have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

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 2023-11-14
Company: Experian Information Solutions 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 appreciate your time to remove some of the accounts in my file that resulted from alleged identity theft but I have some accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2018-02-04
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Requested proof via certified mail.Never received any documentation. Never was informed or validated. Falsely reporting the open date on my credit, when it is years old. Violation of the FCRA. Refused to provide me any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have lived in my home since XXXX. It was bought for approximately XXXX. During this time home equity loans were taken by my partner. My partner died in XXXX and the mortgage was transferred into my name. I paid my mortgage on time every month until XXXX when I feel behind on payments. The mortgage was transferred to Select Portfolio Servicing at some point. Somehow, even though I have been in this home for almost 30 years and the value has risen to about XXXX, they are telling me I only have XXXX in equity and still a balance of XXXX. My mortgage was also raised over the past years, from {$2400.00} to now {$3000.00} a month. I think I have been preyed upon because they know I am elderly. I would like some resolution to find out how I still owe so much and have so little equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have never been late on any accounts. i have set up auto pay since the beginning of the lease. Gm financial was completely not reporting the month of XX/XX/XXXX, marked XXXX, XXXX XXXX XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XXXX, XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: MidAmerica Mortgage Inc
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is not applying my payments to my account properly on XX/XX/2020 I had a {$0.00} payment on XX/XX/2020 had a {$0.00} payment then on XX/XX/2020 had a payment of {$1700.00} then on XX/XX/2020 had a payment for {$1800.00}. I am XXXX years old these people are stealing through creative accounting they call it Misc. Receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i provided a ftc report to show items were not mine. they removed some not all items and did not updated addresses remove old addresses and names. his is affecting me and my livelihood. i need something done now

Company response to consumer: In progress
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 an account was opened with XXXX XXXX XXXX XXXX that does not in anyway belong to me. The balance {$14000.00}. I have never even heard of this credit union. I have called about this and it seems its registered to an address in XXXX, Georgia. I live in XXXX, Michigan. This is a fraudulent 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