BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: MS
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
My name is XXXX 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.

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 2023-05-12
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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 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. 

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 XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
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 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 explanation
Consumer complaint received 2021-11-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My 18 month mortgage forbearance with Wells Fargo recently ended. I submitted a mortgage assistance application to see what other options are available to me. Right now they haven't processed the assistance application and are only pushing me into a new 30 year mortgage when I only have 10 years left on the current one. It doesn't make sense to me to not have any other options but the additional 20 years. I can definitely resume regular payments next year ( when my Social Security benefits begin. ) I just want to be told first what all my options are so I can make an informed decision. They absolutely won't say, just that it will " probably be worse for me '' if I don't accept the new loan modification offer and the property will go into liquidation. -- -- This sounds like a predatory loan practice during a legitimate COVID related hardship.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft. i have filed a police report and a report with the company. This account was opened without my consent or knowledge. I have the right to be protected by consumer rights laws.

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 2020-02-25
Company: CITIBANK, N.A.
State: OH
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, a thief used my credit card information to make two unauthorized cash withdrawals at a horse track in Connecticut. This person withdrew {$260.00} and {$310.00}. 

When I noticed these charges, I phoned Citibank  and asked that the two charges be removed. They said they would, and they did. 

When I received my XX/XX/XXXX paper statement, I noticed several new charges. I now had a {$41.00} transaction fee and a {$9.00} interest charge. More importantly, Citibank reversed my dispute and reinstated the {$260.00} charge. 

To preserve my rights, I wrote Citibank on XX/XX/XXXX about my concerns ( see the attachment ). I mailed the letter to Citibank, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. My letter was never returned to me, though it was never acknowledged by Citibank. In the letter, I included a copy of my paper statement and my request that the reversed {$260.00} charge be removed, along with the transaction fee and interest charge. 

On XX/XX/XXXX, I received a new statement with an additional {$3.00} interest charge. 

I phoned Citibank on XX/XX/XXXX, and XX/XX/XXXX. Both times the representative said they would look into the issue, but nothing happened. They never offered a conditional credit. 

On XX/XX/XXXX I spoke with a supervisor who said that he noticed irregularities in the charges and that he would ask for a full audit. He said it would take 5-7 business days to complete the audit and an additional 1-3 days for a credit to show up on my account. He said the results would be on my next billing statement. 

When I received my next paper bill on XX/XX/XXXX, nothing had changed. I phoned Citibank ( XXXX ) at XXXX ET. I was placed on hold until the system hung up on me at XXXX. I immediately phoned back and was placed on hold again. I hung up at XXXX out of frustration. 

I am now reaching out to you for help. I would like a refund of {$260.00} for the Reverse XXXX  XXXX  charge. Additionally, I would like a refund for the interest charge ( {$13.00} ) and for the transaction fee ( {$13.00} ). In total, I am due a refund of {$280.00}. 

Thank you for your 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 monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an 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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX I REQUESTED INVESTIGATION The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of this fraudulent account.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed accounts with XXXX XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud or a mix match file that does not belong to me BUT SOMEONE ELSE WITH A SIMILAR NAME, this is in accurate, I have never opened or closed any account with XXXX XXXX XXXX. This account does not belong to me. I have never gave XXXX  MY SOCIAL SECURITY NUMBER OR PERSONAL INFORMATION TO OPEN ANY ACCOUNT. This grounds for removal and deletion immediately. I never gave XXXX XXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD OR MIX MATCH FILE. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULANT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX XXXX They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. THIS ACCOUNT IS Obsolete Outdated AND Too old to be on file ACCORDING TO THE FCRA

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 2022-01-17
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: TX
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 Collections Account 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 also states : a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX the office of commissioner 's insurance and safety fire, for the trailer purchase through XXXXXXXX XXXX with Vanderbilt mortgage on XX/XX/XXXX and installation date was XX/XX/XXXX. A month after moving in we started having multiple problems that was at their fault to be fixed.so they never came I had to go through fire marshals office and they came and found XXXX serious violations that was trailer dealer/manufacturers fault. The installers didnt even have a license to install trailers.So in XXXX I had to file bankruptcy. I hired a lawyer who was taking payments that I thought were for mortgage and assets. Well he wasn't doing that so now I'm 4 months behind and instead of fixing there mistakes they are trying to foreclose and take my land and home.i hired a lawyer in XXXX to sue XXXXXXXX XXXX but I need to catch up my payments to do so. They're trying to foreclose before I catch payments up so I can't pursue them fixing they're violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company is no longer open i had a loan through ACS back in 2017 and my loan has been picked up by a different company. ACS is still showing active on my credit report, I want it removed. There is no way I can get in contact with them. How can this be taking care of? If there is no way to get in contact with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received and offer for a 0 % credit card, and applied for it on or about XX/XX/XXXX. In that process I tried to transfer about {$10000.00} from another card, but only got approved for {$2500.00}. After receiving the card I setup autopay on or about XX/XX/XXXX through the Bank of America website. The first few months went through like clock work with no issue. Then Bank of America changed the due date to an earlier day. They did not change the autopay to accompany this change and/or notify me of this change. So for 6 months the bill was paid with autopay 2 days late. This led to a slew of late fees, and then finally a phone call. They had sent emails each month with alerts to payments due along with thank you for your payment every month, but nothing that had an alert about a late fee. On the phone they were only able to remove 2 of the late charges and could not explain why the date had changed. They also closed the account because of this, and of course raised the interest rate to the maximum. They would not work with me, and now won't even allow access to the account so that I can pay off the card. They continue to take to autopay though. I feel this was a bait and switch situation. I would expect that when you setup autopay that it will, you know, autopay it. Now this has affected my credit rating and is affecting my ability to get a home loan.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint will cover the facts! Wells Fargo home mortgage had manipulated and defrauded our account to the point, Wells Fargo had no actual information on our account, by the illegal loan modification to XXXX when we were receiving monthly mortgage statements showing the pre modification amounts. XX/XX/XXXX unpaid principal XXXX the actual modification payment wasnt due until XX/XX/XXXX! How can it show up on the XX/XX/XXXX? More evidence of Wells Fargos continued lies and fraudulent activities and actions by Wells Fargo. XX/XX/XXXX monthly mortgage statement reflects the amount before the loan modification. XX/XX/XXXX monthly mortgage statement also reflects the amount of mortgage payment before the loan modification in XXXX, how can two separate monthly mortgage statements in XXXX still show the unpaid principal in the amount prior to the illegal and fraudulent loan modification from XXXX? Because Wells Fargo has manipulated and defrauded our mortgage payments since we started paying on XX/XX/XXXX. Wells Fargo continues to deny our complaints and our request for monetary compensation for the 19 years of their illegal activities and actions from the subprime mortgage lending period, to every fine and violations levied against Wells Fargo home mortgage, Wells Fargo bank na, CO. Wells Fargo bank na, CA. Wells Fargo home mortgage inc. and every other company names they have.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: GA
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have disputed 4 charges with Capitalone for a vendor called The XXXX  for breaching the contract. In all 3 of the 4 were returned as the evidence validates this accuracy of this vendor not delivering all the services. I have requested CapitalOne to escalate to another evaluator as it is evident that there is some lack of due diligence on looking at the cases as an entire dispute as it is related to 1 Contract but paid over the course of months. I think this is unfair and unjust that I have to continue to explain the situation for the same results where the 3 disputes were granted to me. I have also endured harassment and defamation from the XXXX XXXX during this time and shared all additional evidence. Please review this and help me get the proper escalation within CapitalOne. Thank you

Company response to consumer: Closed with monetary relief