BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
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: Information belongs to someone else

Complaint:
I have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and Inquires that need to be removed immediately. 

Account Name and Account Number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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:
After reviewing my credit report in XXXX i came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. 

I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX first letter was sent and received at the end of XX/XX/XXXX and second letter was XX/XX/XXXX. 

They sent a second later validating and once I requested further information in XXXX I heard NOTHING back until after XXXX ( see attached ) and all sent was a document accusing me of using a credit repair company. 

EQUIFAX First letteXXXX sent XX/XX/XXXX- they asked for verifiable ID without investigation results, mind you I sent BOTH my ID and utility bill, a verifiable copy at that to them the first and second time. On XX/XX/XXXX I sent the second letter returning the information they were looking for and did not hear anything back until XX/XX/XXXX asking for ID again ( see attached ). 


At this point, my rights as a consumer to fair and accurate credit reporting is being violated IN THREE WAYS and this is absolutely ridiculous over ONE inquiry!!!! 

1- 15 U.S. Code 1692g ( b ) - Validation of debts- WAS NOT DONE IN 30 DAYS 2- 15 u.s.c 1681I Paragraph 5 - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 3-15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have several unauthorized inquiries on my Transunion report that they refuse to resolve. Customer Service would not take care of this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-04-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX and XXXX XXXX are both from XXXX, Tx and for the past 3 years, they have been hacking into my XXXX, XXXX  XXXX XXXX, and Wells Fargo account. My real savings is in a secure account that they can not get into so yeah.

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 2021-03-14
Company: I.C. System, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-04-14
Company: EQUIFAX, INC.
State: MO
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:
Recurring dispute of medical collection item, XXXX XXXX on behalf of XXXX XXXX. In XX/XX/2023, I mailed a request for verification of debt. Neither company responded. As a result, I submitted a CFPB complaint in XX/XX/2023 which the company has yet to provide verification. The problem arises, because I have also disputed this bogus account with all ( 3 ) credit reporting agencies, and somehow the credit reporting agencies and XXXX are validating the debt. I don't understand how the debt is being validated when it is approaching ( 4 ) months of no response to my validation request. This is a blatant violation of consumer rights. Equifax, XXXX, and XXXX- should not be accepting validation of this debt. I want this account removed. I have attached a timeline record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I sent Wells Fargo a check for {$150.00} to get a Brokers price opinion done on our house to possibly remove the mortgage insurance. Sent them a check approximately on XX/XX/XXXX. ( check was cashed by Wells Fargo ) I was contacted by a broker ( XXXX XXXX ) on Friday XX/XX/XXXX at XXXX to set up a time for him to come take a look at our house and complete the BPO. I asked if Monday the XXXX at XXXX would work. He stated that he needed it done sooner. So, I asked him what he was thinking .... he stated Sunday the XXXX I said ok what time, he stated in the afternoon. So, I said how about XXXX? He said sure that works. I then asked him how long it would take to be completed and what he would have to do. He stated it would take less than an hour and that he needs to take 2 pictures of each room. I asked how clean does everything need to be as we have XXXX young kids and both work so our house is not always clean. He stated " that it needs to be clean like as if we were selling it ''. I said I was not sure if I could get it ready that quick as my wife worked the weekend. XXXX stated it needs to be clean so whatever it takes to get it done. He said if my wife needs to take off work then that's what needs to happen. So, my wife took off work on Saturday the XXXX and Sunday the XXXX 10 hours each day to help clean our house. I had a {$400.00} deposit on a fish house to go fishing on XXXX XXXX XXXX XXXX that I paid last year to reserve the date and time that I had to cancel to accommodate the BPO also. So, on Sunday at XXXX we were finishing up cleaning and I noticed that at XXXX XXXX I missed a call from XXXX XXXX . So, I called him back and said I saw I missed a call from you, what's up? He stated that there was a " hold '' placed on the BPO and that he would not be coming that day. Now we are out 2 days of vacation for my wife ( 10 hours each day at {$36.00}. and change an hour ) and my {$400.00} fishing trip deposit. XXXX have made contact with me regarding coming out to do the BPO however I have worked all week and so has my wife and we will not take off work again for the BPO to be done. We feel we have incurred significant losses that we did not ask for, and would like to be reimbursed for.

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 2023-11-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a high yield savings account with XXXX XXXX bank on XX/XX/2023. Due to issues with THEIR online banking system, when I transferred in my money to fund the account, the transfer was duplicated. I recognized the problem immediately and contacted them to have the duplicate transaction voided but they said they were unable to do this manually. It took over a week for their system to understand it was a duplicate transaction. Once this was finally resolved I realized I didn't feel safe having my funds saved with such a poorly run bank and tried to transfer my funds back out and and close the account on XX/XX/2023. They then put my account on a fraud hold. 

I have now called repeatedly trying to remedy the situation by verifying my identity so the fraud hold can be released so I can have access to my funds again and to close the account. Their customer service team just keeps putting in " tickets '' to their fraud department that never get answered. When you call their fraud department, you get sent to a voicemail box that is always full and can't take new messages. 

At this point I am legitimately getting concerned that I will never have access to my funds again and the money I have been saving all year to pay my property taxes next month with are in those funds! This is starting to feel like fraud itself. Any help I can get would be highly appreciated. 

I went online and they are countless websites with people complaining about their horrible experience with this bank. Please someone step in and regulate their shady business practices!

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 : It also states a consumer reporting agency can not furnish a 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 2023-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed multiple accounts from my credit profile. It has been well pass the dates that they should be deleted, but theres been nothing done about this! I am suffering from the impact that this is causing me, and my business. I would like this to be handled in a timely manner so that I am able to continue my credit building for business purposes. 

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I contacted the company Caine and Weiner via a letter sent through the United States Post Office, regarding a collection I noticed on my credit report. The letter requested verification of the debt, along with proof that Caine and Weiner is licensed to collect debt in the State of New Jersey. At that time Caine and Weiner was not licensed with the Attorney General to collect debt in New Jersey. The collection agency did not verify the debt, but responded to my letter with a copy of a bill I did not recognize. On XX/XX/2021 I responded with a second letter that asked for a verification of the debt, there was no response from Caine & Weiner. On XX/XX/2021 I sent a third letter which was a non response letter. In return the collection agency did respond with another copy of the bill, and no proof that are registered to collect debt in New Jersey. I have attached a signed return receipt from the post office, as well a stamped receipt with the company 's name and address from the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with Experian and XXXX report. I have filed numerous disputes directly with credit reporting companies to remove XXXX, XXXX from my credit report/file. XXXX continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, XXXX can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by XXXX XXXX, Experian, and XXXX violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with Experian and XXXX. I am also in the process of filing a complaint with the Texas Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at XXXX, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.

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 2022-10-26
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022 I was alerted to two nefarious charges made to my Netspend card account that I immediately disputed/reported stolen. The card and account were subsequently blocked. I then had, and still have, no access to this account. I received to email notices from Netspend that the issue had been logged and that they would send me a replacement card within XXXX business days at no charge. Additionally it would be one that would be connected to this account. 
It has been as of this notice, 13 business days and still no replacement card. 
On XX/XX/2022, I received a notice that a dispute had been opened and further that at my written request I could ask for a provisional credit to my account. On XX/XX/2022, I did send a written request for a provisional credit. I have yet to receive the provisional credit on my account- it is XX/XX/2022. Additionally, on XX/XX/2022 I then received a notice ( via email as all previous notices have been sent to me ) that there is a problem with my account and that I need to call customer service to rectify the situation. 
However, I have been unable to reach a customer service representative as there phone prompts do not allow me to reach on unless I enter my card number. That card number is blocked, null, and not identified as usable for this procedure. 
I have emailed their customer service numerous times explaining my situation only to receive continuous faulty instructions on how to reach said customer service!! 
Without a replacement card and also not being able to reach a customer service rep, I am unable to access my account still, and have no means to reach or use my funds. 
I also emailed their president with no reply from them. 
They today emailed me stating that they would get back to me in TWO days to, what they claim, will be to solve this ludicrous situation and flaw and fault on there side of this fiasco. 
I have rent and a phone bill due immediately. I am anticipating being without phone service and an eviction notice in two days!!!! 

As of this notice I am out of the two additional disputed and illegal charges to my account plus two subsequent overdraft charges. 
Ridiculous! And unethical!

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 2020-05-16
Company: Commonwealth Financial Systems, Inc.
State: TN
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:
I woke up this morning on XX/XX/2020 to a notification from XXXX, a company I use to monitor my credit score, that my score had changed and that a new debt had been added to my credit report. I have no knowledge of what this debt is. The number on my report doesn't match any money that I owe any company right now. I also have not received a letter or phone call by any company requesting this amount of money, nor have I received any letters or phone calls from this company ( Commonwealth Financial Systems ). I tried to call them numerous times today, and despite them being open, I was met with the same response every time saying that no one was available to take my phone call, and I was automatically hung up on each time. I had no opportunity to leave a voice mail or any other way of leaving them a message to reach back out to me to clear this up. It's completely unacceptable that I haven't received any written notice of this debt nor do I have any details as to what it could possibly be, which leads me to think that this is a fraudulent attempt to collect money I do not owe. I am especially concerned because when I googled the company, the XXXX reviews and XXXX XXXX XXXX  reviews all report of the same thing happening to them finding a debt that they don't recognize on their account or that they know to not be theirs from this same company. I just want to clear this from my credit report or at the very least have clear details as to what this debt is from and why I was not reached out to about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Early Warning Services, LLC
State: SC
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 new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Early Warning Services has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX Green Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up. Early Warning Service has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. 

XXXX  XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX Attached is my previous complaint and the response from Early Warning Services

Company response to consumer: Closed with explanation