BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I was arbitrarily charged a {$30.00} fee for a XXXX IRA account I have held open for over a year. I have never been charged a fee. They recently charged me this fee. Then on top of this they charged a {$35.00} overdraft fee which is a fee on top of another fee. Had I known they were going to start charging all of these fees I would have closed it long ago. I spoke with the company but they were not helpful.

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 2022-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: V and H Portfolio
State: TX
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:
This debt has been disputed and removed from my credit report and they keep re-inserting it which then plummets my credit. 
This is not my dad I have stated this it has been proven to be not mine Im a victim of identity theft going back many many many years and this company refuses to follow the law and keep this information off of my credit report. This information was removed from my credit report and one week later they re-inserted it. My bank account was compromised previously and weve even had to have a to do bank accounts issued because of the identity XXXX this company continues to perpetuate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
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: Account information incorrect

Complaint:
Equifax lowered my score due to old Mortgage & Vehicle accounts that were paid off & closed years ago have now fallen off due to reporting dates. I have concerns about the methodology they use to determine credit scores. Also, I am beginning to think there is a bit of discrimination with XXXX or something is not right. If a person refuses to take on excess debt for the purpose of these credit bureaus reporting higher scores why are they being held as not creditworthy? The entire credit score reporting industry is a scam fiasco.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the deletion of the fraudulent accounts and information of of my Credit File. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed as soon as possible : XXXXXXXX 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 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 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 XXXXXX/XX/XXXX. Please comply with the FCRA section 605b, and have the disputed items removed as soon as possible. If you can not find any documents to support the invalid claim that the disputed items belong to me, please remove the disputed items as soon as possible.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My TransUnion credit report shows XXXX XXXX with adverse information. In XXXX I was working with XXXX XXXX XXXX to modify my home loan via XXXX XXXX XXXX here in XXXX XXXX XXXX. While in mediation, XXXX XXXX purchased my loan from XXXX. In mediation, all payments and foreclosure proceedings have a court ordered STAY until the modification is complete. XXXX knew they had purchased a loan in modification. Nonetheless, marked my loan as 120 days overdue in XXXX of XXXX. The modification was completed in XXXX of XXXX and I was never late with XXXX. To be eligible for the modification I had to make three on time payments commencing XX/XX/XXXX. This was successful. XXXX had no right to report my loan 120 days overdue to any credit bureau. Twice now I have written letters to both XXXX and TransUnion and mailed certified mail with return receipt. I just received a ruling from TransUnion that XXXX again reported the 120 day overdue. This is a major hit to my credit and an unfair practice.

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 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.

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 2023-10-16
Company: EQUIFAX, INC.
State: NY
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:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2023 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 2023-07-07
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I currently have an Apple Card, issued by Goldman Sachs. I have been an Apple Card holder since its inception, have never been late on payments, and pay my balance in full every month. 

I received my XXXX statement, with a balance of {$940.00}. I made a payment of {$450.00} onXXXX XXXX. On XXXX XXXX, I made an additional payment of {$480.00}. Because of a glitch in their payment system, my first payment didn't show as processed. I normally receive an immediate notification and email that the payment was received, my card in the Apple XXXX goes white, and the payment button is no longer available. None of these things happened, so I submitted the payment again. The second time I submitted the payment all of the usual things happened ( notification, email, payment button unavailable ). About 15 minutes later I received an email that the first payment processed. 

So, I paid a total of {$1400.00} for a {$940.00} statement balance. 

I contacted Goldman Sachs immediately after receiving the email that the additional payment posted and was told that there was nothing they could do at that time, but that she would submit a claim to have it refunded. On XXXX XXXX I received an email stating that they had reviewed my refund request, but they were refusing to refund my {$480.00} overpayment. 

I called their " customer service '' number to inquire about the email and have never received worse customer service from a credit card company -- they are horrible! 

This theft by Goldman Sachs is unacceptable and should be illegal, if it isn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX 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 CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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 reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account without my written instructions. 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 several 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 2022-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed multiple inquiries from different companies, I do not recognize. Also, I haven't authorized for them to use my information, and I would like them to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2022 I opened an account with PNC Bank, which included XXXX accounts, Spend, Reserve, and Growth. 

The balance of those accounts were : Spend ( # XXXX ) {$1000.00} Reserve ( # XXXX ) {$1000.00} Growth ( # XXXX ) {$3000.00} The contract I signed off says ( attached an image ) " No monthly service charge if you meet XXXX of the following : {$5000.00} combined average monthly balance in your Spend and up to XXXX PNC Bank consumer checking accounts you have chosen to link ( including Reserve ) '' My account meets that criteria, but starting in XXXX ( attached a copy of the statement ) they charged me the {$25.00} service fee, I got in touch with them on XX/XX/2022. 

I received an email refunding me only {$50.00} out of the {$150.00}, I answered asking for a full refund of the services charges ( attached the email ), because I had over {$5000.00} before they started charging me the service, I received a phone call on XX/XX/202 from XXXX XXXX, she said that I had to keep a balance of {$5000.00} in my spending account, unfortunately, I was not at home and had no copy of the contract, she told me that the {$50.00} refund was just a courtesy because I didn't have {$5000.00} in my spend account, and offered me to change to a different service to avoid service charges which I did, when I got back home I asked her by email ( attached a copy ) to receive a detail explaining why they didn't consider I met the requirement. As of today, I have not received an answer from her.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
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: Personal information incorrect

Complaint:
My husband died XX/XX/2022. I was mistakenly reported as deceased, apparently when my husband was appropriately reported deceased on XX/XX/2022 by XXXX XXXX XXXX. I was not aware until contacted by Transunion that my credit application was denied due to my being deceased. I have communicated with XXXX XXXX XXXX, as well as TransUnion and XXXX. 

I am attempting to further establish/augment credit in my own name. I have been denied credit cards by XXXX, denied continuation of our XXXX XXXX cards, and bXXXX XXXX XXXXXXXX XXXX. My XXXX score today is XXXX, but assume adversely affected when applications have been denied. I have understood these declinations remain part of my report for 25 months. 

Thank you. 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 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:
I am writing this letter to request the removal of an inquiry that was made on my credit report without my prior knowledge or consent. The inquiry is affecting my credit score and my ability to obtain credit. 

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 2023-02-21
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to take a loan out for home items but the loan never went through as when I went to check out the approval status changed when I tried to checkout. 

acima repeatedly calls me and says I owe them money, the product has been delivered, and they can deduct money from my wages even though I never had this order. 

They use what looks like personal cell phone numbers in an attempt to get you to respond or answer the phone ( with fictitious names attached to the numbers ). The voicemails tell you they will come to your house to collect your money or wi continue to call if you do not pay. 

They also constantly text you ( at least 5-7 times a day ) and relentlessly send emails. No postal mail is sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have writing several companies that pulled my personal credit without my permission or consent asking that they remove the unauthorized inquiries. I then contacted Equifax providing them with my Equifax Confirmation # XXXX and my social security number regarding the unauthorized pull of my personal credit information Equifax continued to disregard my request to block credit inquiries that were not authorized by me. 

1 ) XXXX XXXX XXXX. Date : XX/XX/2018 2 ) XXXX XXXX XXXX Date : XX/XX/2018 3 ) XXXX XXXX XXXX Date : XX/XX/XX/XX/2018 4 ) XXXX XXXX XXXX Date : XX/XX/2018 5 ) XXXX XXXX XXXX Date : XX/XX/2018 2018

Company response to consumer: Closed with explanation