BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
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. 


Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number XXXX Account Name : DEPT OF EDUCATIONXXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : US DEPT OF ED/XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 2024-01-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
ID # XXXX Based on correspondence received, I have spoken with Wells Fargo 's Product Remediation Group on XXXX occasions ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) and told I should received their check for {$68.00} to settle this class action in XXXX business days. I am now been told on the XX/XX/XXXX & XX/XX/XXXX follow-up calls that the check is being processed but has been delayed due to the holidays.

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 2023-11-28
Company: EQUIFAX, INC.
State: TN
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 OTHER 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 items : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-11-28
Company: EQUIFAX, INC.
State: TX
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:
I have requested for all three of the CRAs and Dept of Education to remove all 18 student loans off my consumer report due to the Privacy Act of 1974 ( 5 U.S.C 552a ) : The Privacy Act of 1974, 5 U.S.C. 552a, is a federal law that regulates the collection, maintenance, use, and dissemination of information about individuals by federal agencies12. The law provides US citizens or permanent resident aliens with a right of access to information concerning themselves that is kept in systems of records by any agency in the Executive Branch of the federal government2. The law also establishes a code of fair information practices to protect the privacy of individuals.

You do not have the legal authority to report any of these student loans on my account, per the disclosure provided by the Department of Education/Nelnet under Section F : Gramm-Leach Biley Act Notice and Privacy Act Notice, that was supplied from the direct subsidized loan and direct unsubsidized loan MPN. No section indicates that these loans ( 18 total ) should be reported in my consumer report ; I have attached proof and require that you delete my consumer report immediately.

As a consumer, I have the right to privacy according to the Privacy Act of 1974 ( 5 U.S.C. 552a ), which requires that the following notice be provided to you ; The authority for collecting the requested information from and about you are 451 et seq. of the Higher Education Act ( HEA ] of 1965, as amended ( 20 U.S.C. 1087a et seq. ] and the authorities for collecting and using your Social Security Number ( SSN ) are 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1091 ( a ) ( 4 ) ) and 31 U.S.C. n01 ( b ). Participating in the William D.

Ford Federal Direct Loan ( Direct Loan ) Program and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purpose for collecting the information on this form, including your SSN, is to verify your identity to determine your eligibility to receive a loan or a benefit on a loan { such as a deferment, forbearance, discharge, or forgiveness ] under the Direct Loan Program, to permit the servicing of your loan { s }, and, if it becomes necessary, to locate you and to collect and report on your loan ( s ) if your loan ( s ] become delinquent or in default. We also use your SSN as an account identifier to permit you to access your account information electronically.

I am requesting that you send me the legal documents and disclosures required by the E Oscar database that show that you have legal rights to report all items on my credit report that I did authorize you to register.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I wrote XXXX and Equifax and requested that they remove the inquiries. I called XXXX and Equifax and requested that they remove the inquiries. Each respective agency suggested that I submit an identity theft claim to the FTC, print out the report, then send a copy to each of them. 

I sent a request to each company and asked them to remove their respective inquiry. Only XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX has responded. 

XXXX and XXXX XXXX findings were inconclusive or they were able to verify the unauthorized I attempted to submit the identity theft report to the FTC ; however, I was redirected to the CFPB website, whom I am told, addresses everything relative to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Credit Karma, LLC
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:
I XXXX XXXX have reached out to XXXX & XXXX XXXX XXXX XXXX numerous of times about a Payment that's stating I have Debt Owed which is Currently in Collections and Negatively affecting my Credit score.

Therfore With No Response from XXXX, I did Recieve both a Letter and Email from the ( CRA ) XXXX XXXX XXXX stating they don't have No Acknowledgement of knowing Who I am. 

In which Laws have been Violated when it comes to the Collections Practice upon the Privacy of my Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: AR
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 express my deep concern and frustration regarding the presence of fraudulent items on my credit report and the multiple unsuccessful attempts to have these items promptly removed. The nature of this matter is urgent, and I am seeking immediate resolution to mitigate any further damage to my financial standing. 

I have previously submitted disputes regarding the fraudulent items on my credit report, and despite my efforts, these items persist. This situation is not only causing undue stress but is also adversely affecting my credit score and financial reputation. 

The fraudulent items in question include inaccurate names,, addresses, late closures and inquiries. I have attached supporting documentation, including police reports, identity theft, and other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

I understand the Fair Credit Reporting Act ( FCRA ) mandates a timely investigation and resolution of disputes, and I am disappointed by the apparent lack of progress in rectifying this situation. I request your urgent attention to this matter and immediate action to expedite the removal of these fraudulent items from my credit report. 

Given the repeated attempts to address this issue without success, I request a thorough review of my case to identify any obstacles preventing the timely resolution of this matter. Additionally, I insist on receiving regular updates on the progress of the investigation and removal process. 

I expect that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items, and the necessary steps be taken to ensure their swift removal from my credit report. 

As a consumer, I rely on the accuracy of my credit report to make financial decisions, and the presence of fraudulent items compromises my ability to do so. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 DEPT OF EDXXXX 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 explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax XXXX XXXX XXXX XXXX - Supposedly opened XX/XX/2022 - Amount {$170.00} I am not responsible for this debt. I don't have any type of agreement with XXXX XXXX XXXX, and called them OVER a year ago in order to dispute the {$170.00} charge on my report. They did not verify the debt because I have never agreed to any type of contract with them at all and they did not respond to the dispute and are continuing to incorrectly report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: DISCOVER BANK
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Formal Complaint Against Discover Bank for Fraudulent and Malicious Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank concerning their egregious and malicious credit reporting practices, which have had a severe impact on my financial standing and well-being. 

The details of my complaint are as follows : In the midst of the COVID-19 pandemic, I made a purchase of facial masks on XXXX totaling over {$500.00} using my Discover credit card. Subsequently, I returned the product, but the seller refused to issue a refund. 

Despite my attempts to resolve the matter, the dispute case was not ruled in my favor, and I incurred a charge of {$500.00} on my Discover credit card in XX/XX/XXXX. 

In response to this charge, I refused to pay the {$500.00} and, as a result, Discover Bank added a {$300.00} fee to the balance. Ultimately, Discover closed my account in early XXXX. 

Discover marked my account as charged off, and in XXXX, it reported the charged-off amount as income to the IRS. This has had significant consequences on my financial standing. 

Although my account was closed and charged off, Discover has continued to report it as an active account, and more astonishingly, it has sent me a letter dated XX/XX/XXXX, claiming to respond to my inquiries. The letter falsely states that Discover must continue to report my account to credit bureaus as it is a disputed account. 

This statement is factually incorrect, as the dispute was resolved in XXXX, and the account was closed. Moreover, the balance on the account was reported as income, providing no valid reason for Discover to continue reporting my account as late payment. 

The ongoing reporting by Discover is not only false but also malicious and constitutes fraudulent credit reporting practices. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful credit reporting by Discover Bank. This misinformation is damaging to my credit score and overall financial well-being. 

Enclosed with this complaint, you will find relevant documentation supporting my claims, including copies of correspondence with Discover Bank and evidence of the erroneous credit reporting. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue promptly. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello There, I tried reaching out to Oportun regarding the status of my account. I called them multiple times about my account and payments. With the loss of my job, Oportun placed me into a hardship program. I was able to continue to make payments on the account. However, they have my email, number, and address to stay in communication with me. During the time Oportun did not reach out to me regarding my account they continued to let the days accumulate. Oportun has me in the system to call or text. I told them I would like communication due to financial hardship and losses in my family. They failed to communicate with me regarding my account. I called in to discuss my account the representative stated they charged off the account and your account has been sold. I dont understand why they would do this to me when I requested communication. Oportun continued to take payments but didnt follow up on my account. The balance on my credit report is incorrect and Im requested that the charge off be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2022 I had made a {$100000.00} payment towards my mortgage principal. I had 27 years left on my mortgage. I wanted to do a mortgage recast. When I called later in XXXX I was told I needed to wait a few weeks for my next statement in order to request a recast and I had one year to do so. I waited and had not called until XXXX XXXX being I had one year. They are now telling me there is nothing they can do for me and that I only had until the end of the year in which the payment was made which would have made it XXXX XXXX and its my investors policy. So I was lied to then. Now they are claiming its policy of my investor who my investor XXXX that I DID NOT chose. They are telling my now I need to make another at least {$10000.00} payment plus {$250.00} fee in order enact a recast request. They are telling me to take a home equity loan out for {$10000.00} at 9 % interest rate to pay them so I get a lower payment on my 3 % mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
We closed our checking account on XXXX XX/XX/2023, but discovered that Fifth Third Bank continued to draw funds ( {$150.00} ) from our XXXX XXXX account when we received our XXXX XXXX statement a month later and saw the debit. I contacted Fifth Third Bank to find out why they were continuing to draw fund from our XXXX XXXX account to be deposited in a closed Fifth Third account. They denied that they had initiated the transfer or that any transfer had even taken place. I explained that it was in black and white on my bank statement. They accused XXXX XXXX of initiating the transfer. The mystery was solved a few days later when I found an automated message in my " spam '' folder from Fifth Third " informing '' me of the transfer. I contacted XXXX XXXX and was advised to place a stop on any future withdrawals from Fifth Third Bank since they were either unwilling or unable to assist. The stop was placed. 

Fifth Third Bank claims that they did NOT get the funds from XXXX XXXX. However, my XXXX XXXX statement shows a debit. I spoke to XXXX XXXX and they confirmed that the {$150.00} was transferred to Fifth Third Bank, and NOT returned to them. 

When I closed the Fifth Third account, I physically appeared at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX met with a BANKER, and CLOSED the account in XXXX. It was later discovered, unbeknownst to us, that Fifth Third Bank REOPENED the account, they later claimed, so that they could cancel the automatic transfers. The account remains OPEN as of XXXX XX/XX/2023. 

I received a statement from Fifth Third Bank on XXXX XX/XX/2023 ( dated XXXX XX/XX/2023 ) showing a NEGATIVE balance of {$150.00} ( the unauthorized transfer amount ) with a {$37.00} service change. 

I spent another 2 hours on the phone being transferred from one person to the next, and in the end was told to " research it with XXXX XXXX. '' I was also threatened that if I did not pay them, they would make a " report to the credit agency damaging my credit. '' I do not owe Fifth Third Bank any money. 

This is an UNAUTHORIZED account that Fifth Third Bank had no right to reopen after it was closed and they refuse to close the account today ( XXXX XX/XX/2023 ) and end the relationship. 

I have spent hours and hours on the phone being transferred back and forth to numerous people, been given bad information, and still this is not resolved. 

This is a continuation of a complaint that was previously closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is XXXX XXXX, on XX/XX/2023 someone hacked my phone/sim ( XXXX ). They hacked my banks, emails, and also my identity. That same day in the morning I went to Chase Bank to change my account number and information. That same evening the hacker did a transaction once again from that new account. I called customer service and stopped that online transaction. Later on XX/XX/XXXX, I went to the bank and changed my account number again and gave them my new phone number. Somehow whoever still got access to everything again. I went to the bank again and they said to change my device and get another new number from another XXXX. I did that but some days later it started happening again. XX/XX/XXXX I received a notification on my phone from the online banking app that my information was updated and I had to call customer service to lock my account. I later went to the Bank the same morning and was talking to an employee who was helping me contact customer service and at that same time somebody transferred XXXX XXXX Dollars ( {$40000.00} ) to a company ( by wire ). I told them to stop the transaction, the person who was assisting me was also telling the customer service line that it's not me but even though the person was sitting right in front of me the customer service didn't stop the transaction but instead took a claim and said they are going to start an investigation. Few days later I received a letter from the bank that stated no action will be taken. I called customer service once again and they told me that they did not find any fraud so they couldn't give me my money back. They told me they sent a code to my phone before the transaction but that was my old number which the hackers still had access to. They were changing numbers. I told the bank and the bank knows everything but after everything how does the bank still add my old number to my profile when I changed it to a new number. The bank couldn't give an exact answer but they couldn't give me my XXXX XXXX dollars back.

Company response to consumer: Closed with explanation