BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted my monthly mortgage payment to Wells Fargo for XX/XX/2020. I include approximately {$600.00} extra each month that is only to be applied to the principal on the mortgage. I checked my most recent mortgage statement which posted yesterday and found that the approximately {$600.00} was not applied to the principal. I spoke with a Wells Fargo representative who advised that the extra approximately {$600.00} had been placed into a suspense account. The representative had no idea why this happened and was opening a case. I have had numerous past problems with Wells Fargo misapplying additional funds that I have sent in. Previous representatives assured me that the coding and funding sources on the account have been set properly so this would never happen again. Well, here I am complaining about this issue again that in no way benefits me, the consumer and only benefits Wells Fargo. I have several complaints on file with the Consumer Financial Protection Bureau documenting this exact problem. Can you please help me? Thank you.

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 2021-05-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 I sent a letter regarding inacurate and unknown things on my credit report to this day, 40 days later I have not received a response yet. I feel like I am getting token advantage of due to the lack of not responding to my consumer complaints when addressing it to the corresponding. Now I am forced to take this route. My information is suspected of being impacted with the Equifax, and XXXX  data breach, it may have gotten in the wrong hands. please help me remove these unknown addresses link to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After noticing fraud on my credit I attempted to place credit freeze with Experian and they refused to do so. Please help.

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 2023-04-21
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America has made a decision to close the two credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.

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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank 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 fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fin XXXX XXXX auto 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 explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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 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 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-04-21
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: Information belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. Please have this public record deleted from my file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : 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 2018-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim number XXXX. I disputed a charge and Bank of America chose to believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, 3 bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be  reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2020-04-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello Citi Executive Response Unit, Please reconsider your investigation, as ALL points that you have stated in your reply are false. 1. " The card was sent to your valid address '' - the address you are referring to is fraudulent and I never lived there. I know what address you state from the initial credit report I obtained after discovering this issue. Plus in XXXX I've been living and studying in XXXX XXXX a country in XXXX XXXX which is proven by docs attached to this complaint. I can provide you with my diploma if you need. 2. " Statements were sent to your valid address '' - What address? If the same address that you state in the 1st point - that is not my address and never was and I have never received any statements from you on any addresses in the US where I lived after I reentered the country in XX/XX/XXXX. 3. " Payments were made from your valid checking account, which has not been identified as being fraudulently opened '' - If you have a checking account opened in my name in your bank - it is also fraudulently opened and needs to be investigated. I've never opened a checking account with guys. And again no one from your team contacted me to investigate this case. Even though your support said that the investigator will reach out to me. I am a victim of identity theft, and it is not my fault that the security of your bank works badly and lets criminals open accounts in other people 's names. Instead of helping out to fix this and investigate solutions to avoid anything like this to happen in the future to other people, you guys continue harassing me. Please stop, otherwise, I'll need to go to court to defend myself. 

Attaching your reply to this case. 

Thank you, 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 2018-05-04
Company: EQUIFAX, INC.
State: IL
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 sent several request to have fradugelent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is my XXXX round of Debt validation and Experian continues to bypass my request and use information I provide in my dispute letter to update my account which under FCRA is illegal. I requested the Original purchase agreement, copies of account statements, and any other details that proves that the collection companies they are reporting from has legal information.

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: GA
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: Investigation took more than 30 days

Complaint:
I saw that XXXX  XXXX XXXXt XXXX  was reporting this account to my credit report, I call them and told them that it had to be a fraudulent account. I forwarded them all the required documents several times and talked with multiple people. Each one had a different answer. They informed me the the issue was going to be handled, but no response and nothing was done. I have run out of reps to call to help me. I am asking that this account gets removed from my credit report XXXX XXXX and Experian.

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 2023-04-21
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$1100.00}

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 2020-04-16
Company: ID Analytics, Inc.
State: AZ
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:
On XX/XX/2020 a letter was mailed to me stating that I was denied for credit due to a low credit score from some company by the name of SageStream llc XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I do not know who these people are nor did I give their company permission to get my information and come up with some crazy score. These people need to be stopped!!! I do not feel my information is being represented correctly by these people nor do I think they should have my information. I do not want this company acting on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Spring Oaks Capital, LLC
State: TN
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:
I check my consumer report & seen that SPRING OAKS CAPITAL LLC was reporting a ALLEGED DEBT on my report! SPRING OAKS CAPITAL LLC never sent me any information about this ALLEGED DEBT. I am disputing and requesting validation according to Title 15 U.S. Code 1692g SPRING OAKS CAPITAL LLC HAS TO REMOVED ALLEGED ACCOUNT FROM MY CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: OK
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:
605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 2 accounts showing in collections that I never opened

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 2020-04-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XX/XX/2019. {$3000.00} plus interest and associated fees. I attempted to update my account due to complications with my job and car repairs eventually a repayment plan was incorporated and I would like my credit repaired due to complications with COVID-19 impacting XXXX, Michigan under executive orders of Governor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: SANTANDER HOLDINGS USA, 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:
I had a loan for a car from Santander consumer. 
The car was in a accident and the insurance company decision was that the car was a total lost. The insurance payed the car off however, on my credit report its reflecting late payments which never occurred. I am requesting this account be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : BANK XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation