BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Equifax, law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports Consumer reporting agency 's produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general Equifax is furnishing inaccurate information on your consumer reports which is a direct violation of 15 usc 1681e ( b )XXXX XXXX XXXX XXXX is reporting inaccurate Information on my credit and I put Equifax on notice. I would like to know the procurers of their investigation in written. Equifax deleted account and then reassigned back on to my credit filer which is illegal. See attachment. I also would like to introduce new exhibit showing reporting of this account out of compliance according to Metro 2 standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Fair Credit Reporting Act requires that credit reporting agencies reports information accurately. However, XXXX EQUIFAX, and XXXX XXXXs reporting much of my consumer information inaccurately. For example, my auto loan and mortgage note should be the only items appearing on any of my credit reports because of substantial discrepancies in which exists elsewhere in my report. Moreover, FCRA requires " consistency '' between credit reporting, thus, to the extent XXXX, EQUIFAX, or XXXX disputes these claims, complainant would be forced to provide proof of the inaccuracy the credit bureaus are liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct or discard these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Transactions with XXXX XXXX XXXX Illegal dwelling units Owners of rental units are required to obtain a rental license and undergo an inspection. Units that have been added to the interior or exterior of a structure without the proper permits are illegal. 

As a tenant in Florida, you have the right to quiet enjoyment, which means you can peacefully occupy your rental property without unreasonable disturbances. 

I then called code enforcement and was informed that the " guest house '' I was living in is not a legal rental. Specifically, it should not have a kitchen since it is an accessory unit on the property. There is a main house on the property and under Florida law there is only one residence allowed per lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I applied for a mortgage loan modification in XX/XX/2023 and it was approved XX/XX/2023. During this time I was not informed the there would be credit and tax ramifications. After speaking to several different single point of contact representatives I was told about the negatives. I was informed that I should submit my credit report and ask for the late payments be removed. Then I was told by another representative that, thats what happens during the loan modification process. I submitted a dispute to each credit reporting agency informing them of this and nothing was changed. Calls are recorded so theres proof of what I was and was not told. Also during this process I would submit request documents and it would take a while before I would hear anything back or be informed anything additional was need. At this time they started sending letter with expected completion dates for next steps but with mail it would cause a delay. So I started to call weekly for updates and to see if anything additional was needed from me. One instance is that I have an XXXX XXXX fraud alert on all my credit reports. It wasnt told to me up front that a signed letter was needed from me stating that Im in the modification process and that Im requesting it. Shouldnt this have been something that was caught at the beginning of the process? Or when I submit my documents and time has elapsed the 60-90 days of my current LES are not acceptable because Im not in that window though my pay doesnt change. Each time this would happen it would set me back steps during the process. At the end I was approved for the modification but have 90 days of late payments due to the way my process was handled. I never received a call or spoke to the person that was assigned to my case. It was always another representative and some of the follow up due dates that were given in the letters were surpassed but now Im having to deal with the late payments for a process that should not have exceeded 3 months. Before this process I applied for refi. Hadnt heard anything. Would email, call and text the person assigned to my application and no response. I received a copy of the payoff request to Penny Mac from Penny Mac and assumed this were going accordingly. After some time I started calling the person assigned to my application and the numbers left from XXXX other people on her team. After weeks o finally got ahold of some and was told they tried to contact me to let me know I was not be able to continue the process. I received nothing other the the payoff request for the refi.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The  company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2023-11-15
Company: WELLS FARGO & COMPANY
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:
I want to file this please as my formal complaint to WELLS FARGO for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2022-12-15
Company: EQUIFAX, INC.
State: CA
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 # 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 2023-04-04
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have reached out to Regions many times since XX/XX/XXXX to request that my debit account be set up to decline any and all purchases or charges that would overdraft my account. The most recent of times was XX/XX/XXXX. This is because, as a student paying all of my own bills working as a server, I would like to ensure that funds are not unavailable and to know where my finances stand at the end of each day without having to wake up and see I've been charged an overdraft fee for some obscure charge, or something charged days ago. I reached out to them because I deposited some money on XX/XX/XXXX and was subsequently charged two {$36.00} overdraft fees. I reached out to their customer support to understand these charges and was not given a clear explanation on why these were charged when I did indeed have the funds in my account. But due to their gross negligence to my request that my debit account not approve any transactions that I do not have the funds for, I have been charged hundreds of dollars in the last week alone in overdraft fees. I am fed up with their abusive policies and refusal to set up my account to decline purchases. I do not want overdraft protection, I want them to decline completely. Seeing as it is my money, this should not be as hard as a request as it has been. I have been treated unfairly when I have asked for explicit assistance in managing my money. If they are the company I use to manage my money, how I choose for it to leave my account is my right. These last few months trying to have it set up in a way that I won't be paying extra has cost me hundreds if not thousands of dollars. I understand their policy, and have not officially disputed any fees they have charged, but have only requested that they change how my account approves charges, and each time I am met with the refusal to do so.

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 2023-08-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo is still finding ways to discriminate against myself. I received an email stating my XXXX XXXX was no longer accepted as an address. 
I travel and live in my converted XXXX, XXXX for bid they call me homeless and less the a human! I do not have a permanent physical address. I am a divorced woman, retired and a XXXX senior citizen. Wells Fargo continues to find and cause as much anguish as possible because they do not like my kind! 

I AM TIRED OF APOLOGIZING FOR MY LIFESTYLE! I AM OVER 30 YEARS CLEAN AND SOBER HELPING OTHERS, PAYING FORWARD AS MUCH AS I CAN BEFORE I DIE! 
WELLS FARGO HAS DONE NOTHING BUT AGGRAVATE AND DISCRIMINATE! 

The letter I received from Wells Fargo threatening to close my account XX/XX/2023. I have four ( 4 ) direct deposits from government agencies that take over three months before direct deposit can be changed, not to mention trying to find a bank that isnt as corrupt as Wells Fargo. 
I have had this checking account for almost five ( 5 ) years. I will contact legal help for this discrimination and hardship Wells Fargo has caused me. 
I had a trip planned for my birthday XX/XX/XXXX, but now I have to worry about Wells Fargo stealing my money! 
I tried calling wells fargo customer service I was treated rudely and hung up on!

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 2022-12-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct or discard these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX

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 2021-12-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom this may concern, I have tried multiples time sending you a letter but due to my limited English and inexperience regarding dispute to credit bureau I keep getting rejected on this inaccurate late payment report on XXXX XXXX XX/XX/2022. 
This is not funny anymore this is a serious matter and I need you to take me serious There a late payment on XXXX XXXX on my credit report that are not accurate and this is truly hurting my chance of refinancing my home so I can keep up with the monthly Mortgage before they going through foreclosure soon. 
The mortgage company told me you could fix this issue and these late payments are incorrect and need to be updated to on-time paid as agreed you are reporting late and those dates need to be changed to paid as agreed. 
I am in dire need of your help to fix this issue please do not ignore my letters my because whole family depend on this. 
I did reach out to XXXX XXXX company and they told me they going to take it off but the problem when I called them it was like 4 months after they report me a late payment on XX/XX/2022 that Im not even aware of! They told me they cant take off anymore since it already past 1 month after they accidently report me a month before. Telling me to contact credit bureaus now. 
I dont know if theyre lying trying to cover their mistake or not but at that time I didnt think it important to resolve the matter until now I tried to refinancing my home. That when I know how important that I have to clean up my credit profile not to mentioned I have tons of unauthorized tried to open credit card account under my name. 
I dont want to bring any law code in this letter because I think we can resolve this problem in a good matter. You guy keep sending me rejecting letter stating I need to do this on my own. So Im trying my best to dispute this on my own knowledge but this will the last time I will report this problem and If this cant resolve I have to report to CFPB. 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 explanation
Consumer complaint received 2017-03-12
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The medical facility already received {$790.00} from my insurance company, based on the improper level of care received, I am not responsible for the {$75.00} co payment, it is fully disputed. Letter below was sent to the President of this facility. 
Via E-mail XXXX XXXX XXXX, President/CEO RE : XXXX Triage Date : XXXX, 2016 Medical Record : XXXX Dear Mr. XXXX : I am writing you in regards to my experience at the above captioned facility, the care in which I received was horrendous and has resulted in never patronizing another facility within the XXXX. The only reason why I visited this location was due to the fact that my XXXX at XXXX is affiliated with this hospital. Possibly, the Physicians in which you contract with XXXX should be vetted more appropriately, as ultimately, this has a reflection on your health care system. The care received by Dr. XXXX, was less than ideal, after approximately two hours of care, I was discharged in worse condition than upon my arrival. My cell phone picture of the monitoring machine taken on XXXX, 2016 at XXXX., shows a XXXX of XXXX and upon walking to the parking garage with my companion, I XXXX twice. However, your emergency department assumed that I received stabilizing treatment. In fact, I was a patient at the emergency department of XXXX for the same issues on XXXX, 2016 for a total of fourteen hours vs. the two hours at your facility. Obviously, the medical records between the XXXX facilities will show a vast difference in the level of care received. However, I am most sure, your medical records will be falsified to reflect that I was resting comfortably on the stretcher upon discharge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-09-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX CB/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL

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 2023-08-31
Company: Experian Information Solutions 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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