BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: M&T BANK CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
M & T BANK XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or M & T BANK customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.

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 2023-02-04
Company: Experian Information Solutions Inc.
State: LA
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:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-07-06
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:
The credit bureaus are not following the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission.

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 data is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This shouldn't be so difficult to make sure that they follow the rules.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Bread Financial Holdings, Inc.
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1100.00} XXXX XXXX  Charge-off {$130.00} XXXX XXXX {$1100.00} XXXX Late Payment {$24.00} XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX  XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NC
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX  OF XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 do not recognize these inquiries. I contacted the bureaus and asked him to delete them. And they did not do it..I 'm providing a identity theft. Report that I made and it would be attached to. This. Message. So could you please take that as well as delete these fraudulent? Inquiries off of my report. 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 non-monetary relief
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years. 
15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.

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 2023-03-16
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX They are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
JPM Morgan Chase since XX/XX/XXXX to XX/XX/XXXX have been reporting INACCURATE information to the XXXX credit BUREAUS monthly on a CREDIT CARD that was XXXX in my XXXX Bankruptcy. The INACCURATE INFORMATION they submit become HARD INQUIRIES and there HARD INQUIRIES are main reason my XXXX XXXX has dropped XXXX XXXX 

I have done everything possible except give. There have been given INACCURATE INFORMATION MONTHLY for XXXX XXXX  to the 3 Credit Bureaus that is unexceptional and unprofessional and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There have been times in which I had to overdraw my account just to get by for the week. I would note all my transactions ahead of time to make sure they had already been withdraw from my balance prior to overdrafting my account to avoid any unwanted fees. Regardless, I would be surprised by more fees than what I was expecting. I wanted to get to the bottom of this so I started to screenshot my mobile banking app with the menu bar down to show the date and time. It wasn't long before I realized I was being charged inaccurate fees and I could prove it. I went to a TD Bank branch and spoke with a manager and was able to show her the transactions that were already deducted from my balance and a positive balance still remained afterwards. She proceeded to return the unfavorable fees back to me and told me I was possibly charged due to the date and time the vendor closed their batch. Even that seemed like a excuse without much behind it due to the fact that overdraft fees are charged when the bank must cover the cost of a transaction which in this case the bank did not do that no matter when the batch was closed. The manager notified me that I was unable to get any future overdraft fees returned due to the fact that I was only eligible for one per year. That did not help in the long term aspect of the situation as this is continuous issue. I have enclosed screenshots to further show that I was charged 3 overdraft fees that should not be existent on my account. The screenshots from Monday will show all the transactions deducted from my available balance and a remaining balance of $ XXXX and all will show the same date and time. The screenshots from Thursday will show each of those transactions again but that I was now charged overdraft fees on those three transactions. Regardless, those funds were deducted from my account 3 days prior and even left my account with a remaining positive balance. I must state that two of the overdraft fees shown are indeed legitimate. I did overdraw my account Monday at approximately XXXX at an ATM to catch up from the past few weeks.The screen shots were taken moments before I went inside to use the ATM. However there are still a total of three excess overdraft fees that I can't find any possibility to be justifiable. I would like to bring attention to this matter and see if this can be resolved because a visit to the bank branch is no longer an option for me as I am immediately dismissed and they claim they can't help me and the fees are accurate. A call to customer service is also not an option because they are unable to see the proof with the screenshots over the phone and are also unable to see which items have been deducted from my account balance days prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The previous servicer ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) received a wire for {$49000.00} on XX/XX/XXXX. My loan was transferred to another company ( Specialized loan servicing ) on XX/XX/XXXX, XXXX keep stating they do not have funds. Specialize loan servicing is refusing to communicate with XXXX ( the company they purchased my loan from ). They refuse to reach out to there servicing transfer dept. or cashiering department to have these funds applied to my loan. Specialize loan state I need to show them proof but they need to get it from XXXXthe money source, they received the money. I have been trying to get XXXX to send the funds to the new company for almost XXXX  months now. I called the XXXX today, XX/XX/XXXX, now they are telling me they still have not wired the funds when multiple managers assure the funds had already been sent to new company. ( stated they wired your company the {$49000.00} that was received by them. Below is the bogus wire info from there rep. ref # XXXX confirmation # XXXX I need these funds posted to my loan. None of my funds need to be applied the inspection and XXXX fees, its not valid and you all and the previous company are investigating. The funds will bring my loan current plus payment for XXXX future months, use funds to cover my escrow shortage, then place remaining funds in unapplied. 

In additional, XXXX has legal fees and inspection fees when I was on the XXXX then tried to get mod sent with updated dates. I was protected by the Cares Act, there is no reason my loan should have gone into foreclosure, I kept constant contact. 

You all need to do your job and reach out to XXXX. You both have me playing the middle guy when yall need to communicate. WHERE IS THE {$49000.00}?!?

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
Consumer complaint received 2020-07-20
Company: SECURITY FINANCE CORP
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: Account information incorrect

Complaint:
Security Finance Corporation is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

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 2023-08-19
Company: EQUIFAX, 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:
The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX  ) XXXX Balance : {$73.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$20.00} ; TELECOM SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$1100.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$250.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX  ) XXXX Balance : {$40.00} ; XXXX XXXX XXXX  ( Originalcreditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$1300.00} ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
Experian report number XXXX. 
I have previously disputed and had this same collections from XXXX XXXX removed three times. This is the fourth time it has returned. I disputed it again and was not successful in having it removed, submitted a follow-up dispute on their failure to remove it, and the collection remains on my report. I believe it stems from identity theft around the first time I discovered the collections. I had to also remove an address from a state I've never been to. 
I want this collections removed from my report, and I'd like to never be inconvenienced by it again. 
My previous successful reports are XXXX, XXXX, XXXX, and the removed address 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 2023-02-14
Company: WELLS FARGO & COMPANY
State: ME
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 customer service

Complaint:
In XX/XX/XXXX, I tried to update the account from which my auto-payments were being debited. The Wells Fargo online platform would not accept the change so I called in and gave the XXXX the routing and account numbers to my new bank account. On the same call, I asked that he close my credit card as I had no intention of using the credit anymore. He confirmed that my autopay was set up, my credit card account was closed and I didn't need to do anything further. Over the next XXXX months, WF reported my credit card as lost, opened at least XXXX additional account in my name, continued to auto-debit my " old '' account until the balance was drained to {$0.00}, refused to help me when I called customer service and crashed my near-perfect credit score for lack of payment, which they caused to be late. 
During that time, I opened at least XXXX cases with WF, XXXX with you ( CFPB ) and I've talked to XXXX lawyers who agree with my assessment that WF acted in bad faith ; however, I am still left without any help. And it feels supremely unfair to roll over and accept the demolition of my credit score because a corporation knew I had no way to protect myself. I understand that I am obligated to pay off my outstanding balance, but WF is also obligated to restore my credit score.

Please note that each time they sent me a letter saying the autopay was not set up correctly, I called in and WF was able to immediately debit the exact account which they claimed they could not access. 

If needed, I have all of the following documents : the confusing and contradictory letters sent by various business under the WF 's umbrella, my phone records showing how frequently I called WF and also that WF never reached out to me, my credit card statements showing that WF closed my account and opened a new account number, because they reported to themselves that my card was lost or stolen, at least XXXX times since XXXX as well as a few other little things, like a screen shot of me enrolling in their text notifications system, which also never once reached out to me.

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