BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX 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, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: MI
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:
I went to XXXX XXXX and never received a XXXX  the school was closed down and found guilty of fraud in 2016 I am not responsible for this alleged student loan and its pulling my credit score down tremendously.

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 2023-05-17
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
MCCALLA LLC> IS OPERATING UNDER A FRAUDULENT STATUTE AND THE UNLAWFUL ACTIONS OF BEING GIVEN INSTRUCTIONS FROM XXXX XXXX XXXX XXXX AS ATTORNEY IN FACT FOR XXXX XXXX. 
But these are all lies...

1. MCCALLA ceo XXXX XXXX has been served with a writ of XXXX XXXX which leaves his company to be dissolved for their actions. 
2. Revocation of power of attorney has been submitted on public record and sent to MCCALL and XXXX XXXX XXXX XXXX This ends all agreements and terminates the Attorney in fact relationship. 
3. The deed of property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reconveyed to the private Trust of owner in possession. 

so now I serve XXXX XXXX XXXX XXXX and their co-conspirators XXXX XXXX XXXX XXXX  and H.U.D in a suit of exclusive equity for " Equity regards the beneficiary as the true owner '' " Equity will not allow a statute to be used as a cloak for fraud ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I want to talk about my bank Chime. 
On Friday XX/XX/2022 on my way to work in XXXX XXXX, IL. I stopped at a local XXXX XXXX  to make a purchase using my XXXX. Approximately 5 minutes later someone at the XXXX XXXX located at XXXX XXXX XXXX a man withdrew 2 separate transactions of 400 $ each. 
The other store is about 20 miles from where I actually was and after seeing the charges I immediately contacted Chime and the police department. Well first Chime said I had to wait until the transactions both settled. 
So I decided to visit the store in XXXX to see if they could offer some help. The cashier told me around the time of the transaction a man was at the ATM for 7 minutes. Which the cashier stated was very unusual. I was sent video but since the mask mandate I can not make out the person. 
Today Sunday XX/XX/2022 the transactions posted. I sent all the information to Chime, the police report, my time sheet to prove I was 30 miles away, the video from the store in XXXX where my card information was used. Chime stated the ATM withdrawals were authorized and would close the dispute. I do not have any transactions in XXXX and I rarely withdraw over 200 $ from my account. Chime Bank didnt alert me to the charges and did not try to help me with any solutions. I just got my paycheck and we dont get paid for another 2 weeks and Chime seems to believe that because my PIN was used that it is authorized. With the various types of electronic bank fraud such as skimming the use of illegal machines placed at ATMs, there is a significant chance that someone cloned my card. However this bank seems to believe everyone is lying and doesnt care to help. Please please help us out with any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: TX
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:
XXXX, EQUIFAX and XXXX both have already " updated '' and " verified '' all the previous accounts that I have submitted in XXXX ( CFPB ) Complaint. I expressed my concerns about my rights to " fair '' and accurate reporting and they changed absolutely nothing and updated only remarks which have little nothing to do with specific details that hugely affect your account like : Date opened, current status, accurate balances on all 3 bureaus or accurate account balance initially etc. 

It is a clear violation of my consumer Rights and my Fair Credit Act Reporting Rights to continue to report these accounts inaccurately. Please see attachment where I have uploaded all3 bureaus and their inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On ( Friday ) XX/XX/XXXX, I had a posted balance of {$300.00} in my checking account. Over the weekend and into Monday the XXXX there were a few transactions on my account, including a mandatory XXXX station testing that I needed to get done. The dates on the transactions are clearly marked as the XXXX, XXXX and XXXX of XXXX, however they did not post to my account until the XXXX. All of the transactions that happened that weekend took out an overdraft fee of {$36.00} per transaction ( each overdraft after XXXX being blocked by a daily cap, but undoubtedly still hurting something like my credit score? ). The transaction list looks like this. 

Starting balance : XXXX XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees Ending balance : ( XXXX ) The ending balance after all of this happened was a POSITIVE balance of XXXX, and this is not the first such time this has happened, just the first time it has happened to this extent. Luckily the vendors apply dates to the transactions when they are posted, because it clearly shows that the last date of the transactions was XXXX for the {$2.00}. 

After seeing this in my account, I went to a local Truist Bank location and asked to speak to someone that could help me. After they sat me down, they told me there was nothing that they could do because my car insurance was set to come out on the XXXX and because it was a 'pending ' transaction, that counted against my balance without being shown, and therefore meant that the posted balance and available balances were different, and that was why I got hit with the transactions. Even though the car insurance didn't come out until the XXXX from my account, and all these transactions were posted on the 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 2022-01-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Below I have attached my Drivers license and Social security number

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 2023-11-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
This complaint is about XXXX XXXX XXXX XXXX XXXX and Loancare. LLC ( the subservicer ). On XX/XX/2023, I received a call from a fake XXXX XXXX XXXXXXXX number asking me if I authorized someone not related to me to cash in a check. I said no and they informed me that they would be voiding the check as it was fraud. I asked who was trying to do this and they said they could not provide me with any information about that, but that it was being cashed in California. I immediately called XXXX XXXX XXXX XXXX XXXX to notify them that someone tried cashing in the check they sent me. They informed me that they could send me another check, but that they could not do that until 30 days from the date the check was issued, which was XX/XX/XXXX. I called back on XX/XX/XXXX and they confirmed that they were mailing me another check. On XX/XX/XXXX, after not receiving the second check, I called again. They told me that they did not send out a second check because the original check was cashed on XX/XX/XXXX. I was shocked and told them that this should not have happened, as I alerted them on XX/XX/XXXX about the fraud. I asked for a picture of the endorsed check and they sent me a picture with the endorsed part cut off. When I asked for another picture, they put me on a long hold and proceeded to send me a picture with someone else 's name on the endorsement section. I have contacted XXXX XXXX XXXX XXXX XXXX many times asking for the money they owe me for my escrow refund, but each time they give me conflicting stories. They even had a stranger 's phone number attached to my account : XXXX. They tell me they need to finish their investigation and then they will see if they can give me the money I am owed. XXXXLoancare owes me my escrow refund of {$4900.00} and it is clear to me that they never sent me a check and are giving me the run around. I am requesting that I receive the money I have been owed since XXXX immediately.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-05
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my application for XXXX to MOHELA. They received it twice as shown on their website with the dates of XX/XX/XXXX and XX/XX/XXXX. Up until yesterday the website showed that application was being processed, and then today XX/XX/XXXX, it showed that both documents were cancelled. I called to find out what was going on, and after waiting on the phone for XXXX XXXX hours, I finally spoke XXXX XXXX who proceeded to say that my loan didn't qualify. I explained that the loan should qualify because I had just consolidated so that I could have the correct typed of loan to qualify. So she checked some more and agreed that the the type of loan was correct. Then, she said that the application was submitted twice and that was the problem. I asked how so? She then checked the information on the application and asked who my employer was. I responded, and she noted it, even though it's already on the application. She continued to do some more checking and said that somebody probably made a mistake and cancelled the application as she didn't see any issues on the actual application. She then said that she was going to resubmit it, and for me to check at the end of the month to find out if it was accepted. She said it won't be processed right away because they were busy. Keeping in mind that there is a deadline of XX/XX/XXXX to submit this application, how do they expect people to just wait around to see if they do their job well. 

At this point, based on the responses I received I feel that XXXX was giving me the run-around. I did not even receive an apology for their mistake of cancelling my loan by " error. '' I do not trust they have my best interest here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees were charged to my account without 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear CFPB, I am writing to file a formal complaint against XXXX, Transunion, and XXXX regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent matter.

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 2023-06-11
Company: EQUIFAX, INC.
State: GA
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:
ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX XXXX XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX DEPT OF EDUCATION {$1200.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/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 2023-06-11
Company: Credit Systems International, 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:
These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) XXXX XXXX XXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, EQUIFAX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation