BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: PA
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:
Hi, my name is XXXX XXXX. I am sending this information to get the following accounts removed from my credit report. I am a victim of identity theft. I did not make these charges on these accounts. They are being reported inaccurately on my credit reports. It is stopping me from buying a home for my family. Please help me to remove these account immediately, I do not know what else to do. I have asked the credit Bureaus to remove the accounts and they have not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: JPMORGAN CHASE & CO.
State: NC
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:
Please provide me the date of first delinquency of this account below! It appears per the credit report, see attached, that the last payment that I made was sometime around XX/XX/XXXX? Therefore, I am guessing since I would become 30 days later after the last payment you recorded and I never again caught back up to become current on this account that the first date of delinquency would be sometime around XX/XX/XXXX. 

Therefore, this account is aged out and should no longer be reported to any bureau! 

JPMCBCARDSERVICES - Acct # XXXX - This account is a charge off and should be showing as a charge off as of XX/XX/XXXX. There is an inaccurate Balance of {$3400.00} as of last month. This is scheduled to fall off my credit report in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: WI
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:
Based on my dispute with XXXX XXXX " XXXX XXXXXXXX XXXX '', which has been negotiated with CFPB months ago, and concluded with XXXX XXXX admission that was done in error in charging for unearned services- Equifax still reporting " Serious Delinquency '' and Lack of Recent Installment Loan. The issue of delinquency has been discussed with the three Credit Monitoring Vendors, but with no avail. With regard to " Lack of Recent Installment Loan '' I have no idea what they are talking about, as I have nothing to do with any loans or payments issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  XX/XX/XXXX {$980.00}. 
Credit Collections Service XX/XX/2020 {$980.00} XXXX XXXX XXXX XXXX, Ma XXXX File number XXXX XXXX XXXX I called On XX/XX/XXXX to discuss this debt which showed up on my credit report without warning. I told them that I was covered under insurance and do not know they did not pay it. I asked for a reduced lump sum amount to pay and get it removed off my credit report. I also asked why this bill was split in half so it was reported as 2 negative acounts having a double impact? I was told no and if not paid in full that it would be reported as a partial payment. I was told that only if I paid in full would it be satisfied and and they would remove it from my credit report but it would take 30-60 days. I paid in full a few days later and waited until XX/XX/2020 and called Credit Collections Services and asked why it wasn't removed? I was told that there is nothing they can do and that once it is reported that they can not change it. I also believe I saw that they left the negative reporting on there for 3 months until XXXX 2020. 
Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I fell behind on our mortgage due to the XXXX XXXX ; I called my lender XXXX to ask for a forbearance program, which they approved me for. Eventually I went back and forth with XXXX... some reps would say I was still approved for extensions while others said I wasnt. Eventually I applied for a loan modification, which I was told I qualified for ; XXXX gave me my new rate terms and payment. I was extremely relieved and happy. Within XXXX weeks I was told that the approval was done in error, and that I need to start the mod process all over again, which I did. I submitted all the required docs and scheduled the XXXX to be done on the property ... which it was. XXXX then denied my modification because I was at 72 % XXXX and the cutoff was 80 % XXXX : I submitted an appeal asking for any type of assistance just to get back on track. Today XX/XX/21 they just sent me another denial : I am asking for assistance with saving my home and getting back on tract. I am willing to restart the mod process and ask for another appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: OH
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 Acct # 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 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 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 2023-03-09
Company: EQUIFAX, INC.
State: RI
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:
XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, CREDIT ACCEPTANCE XX/XX/XXXX LIGHTSTREAM XX/XX/XXXX FEB/DESTINY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ML XXXX BANK XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
The week of XXXX, XX/XX/XXXX I was in XXXX XXXX staying with friends at a Wyndham Resort. The staff talked us into attending a 90 minute timeshare during which our representative asked my husband and I for some financial information so that he could determine how many points we might be eligible to buy as well as what our down payment amount would be for the purchase of those points. The following week I received a Wyndham Rewards Visa credit card in the mail with a total credit line of {$19000.00} ( as well as a XXXX XXXXXXXX Line of Credit Account with a credit limit of {$10000.00} ). I was able to get both of these accounts closed immediately upon becoming aware that they had been opened in my name. I called to file a complaint with Wyndham and was transferred to 8 different phone numbers over the course of several days. When I was finally able to file a complaint ( case # XXXX ) I was told that it would be handled internally and I would not be made aware of the resolution. I never gave authorization to open either of these accounts. I have impeccable credit and now have a hard inquiry on my credit report ( when we were assured it would be a soft inquiry and only for purposes of determining our eligibility for purchasing timeshare points. I monitor my credit closely and have declined credit limit increases for cards/accounts I already own. I would never agree to opening up almost $ XXXX of available credit! When I searched consumer reviews of Wyndham there were hundreds of complaints all basically telling the same story I have and it seems nothing is being done. I have worked in XXXX XXXX for many years and this is fraud/misrepresentation and a UDAAP if I've ever seen one. Please help me and so many others get justice from Wyndham who seems to think being out of regulatory compliance is an acceptable way to conduct business. 
Thank You for your time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: PA
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 recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX 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 2021-01-15
Company: The Best Service Co.,Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately!

Best SERV CO ( original Creditor : 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 2023-07-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously disputed this XXXX XXXXXXXX account # XXXX opened on XX/XX/ stating : I am victim of identity theft and I never opened this account. " i dont agree with the results of your investigation.please send me the proof of your investigation or delete this account. 
Please reinvestigate this matter and delete dispured account 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 2021-01-15
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX i called Citibank regarding my account. There was XXXX taken out of my account by someone who I have never met nor do I have a phone number for. I've spoken to several representative and told him I do not have a clue as to who the person is that took money out of my account. There should be more than just telling me the name of the person instead of trying to received any information from my phone. The bank instead refuses to investigate further into the incident which has caused me to withdrew all my monies from Citibank since they have allowed someone to take money out of my account without my permission and refuse to investigate further. They have also allowed others to go into my account with my knowledge.

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 2023-09-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CFPB Case # XXXX, XXXX, and XXXX were addressed by Wells Fargo through the attached correspondences XXXX These documents state that in XX/XX/2022, the bank attempted to refund my {$300.00} security deposit, but it was returned undelivered to my online bank account. I have not received any notifications, either through the Wells Fargo app or physical USPS mail, indicating their unsuccessful refund attempts from XX/XX/2022 to the present. 

Subsequently, after I filed a complaint, Wells Fargo conducted an investigation and discovered that my {$300.00} had not been received. They applied this amount to the existing balance of {$610.00}. According to Wells Fargo 's application process, when a security deposit is refunded, it should lead to a transition to a non-secured card with an increased credit limit. However, this transition did not occur in my case. 

Furthermore, upon reviewing the statements provided by Wells Fargo in response to the aforementioned claims, it became evident that my credit limit was initially set at {$300.00}. Only after I contacted Wells Fargo on XX/XX/2022, to request the closure of this account did the balance on the account begin to exceed the {$300.00} limit. Despite my request for the account to be closed, a {$40.00} late fee was assessed on XX/XX/XXXX, and this fee continued to be charged every month thereafter. As a result, there is now a total of {$280.00} in late fees on an account that should have been closed, with my security deposit applied. 

After applying my {$300.00} security deposit, Wells Fargo has reported a remaining balance of {$310.00} to all three credit bureaus without rectifying any of the erroneous fees that were imposed. Upon closer examination of the statements, I also observed that prior to XX/XX/2022, all late fees amounted to {$25.00}. However, following my conversation in XXXX, during which I requested the account 's closure, the late fee increased to {$40.00}. Notably, I never received any communication notifying me of this late fee increase. In addition to this, there are extra fees of {$57.00} being added to the late fees on this account, bringing the total to {$330.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX XXXX, Passport XXXX, I have a PNC savings account number XXXX. Current address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Florida, XXXX, phone number XXXX. 
On XX/XX/2023 I received an {$18000.00} payment for services from XXXX XXXX XXXX on my personal savings account. The next day after, ( XX/XX/2023 ) I called directly the customer service line of PNC bank to review if check was confirmed and payment received at my account. The agent from the bank stated, after asking if the money could already be used, that transaction was completed and funds were already available to spend from that same day. As the payment had already been confirmed, I completed the services that I had been paid without any issue to the person referred. 

Four days later after this call ( XX/XX/2023 ), I check again on my balance and I see that the money had been removed completely from the account. I called to the customer service line again. At this moment the agent says that the checks bank account could not be found and funds were not available anymore. I tried to contact XXXX XXXX without any success to claim for the problem with the check, but it was not possible to contact him anymore and disappeared. I complained to the agent on phone about how this negligent misinformation provided, caused I had lost {$18000.00}. They apologized and transferred me to XXXX XXXX XXXX, case manager of retail support who simply said that it was a mistake and they could not do anything as the check account was not found and the money was lost. I explained several times that I trusted on the transaction as the bank officer clearly stated that the money was in my account available to be spent after being received. No responsibility was accepted and that was the end of the communication with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, 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:
XXXX, XXXX and Equifax are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation