BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: IL
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:
I have sent Wells Fargo, N.A Bank two different Billing error notices disputing a balance of {$6100.00}. First letter was received on XXXX and my Second billing error plus notice of default was received XXXX. Wells Fargo failed to perform all administrative duties and procedures related to billing error notices. 
Wells Fargo XXXX XXXX XXXX XXXX XXXX gets access to the Billing Error notices and CONVERTS them into complaint cases. They SHOULD NOT be converting anything. This tactic is used for them to elude the required procedures of handling billing error cases. Wells Fargo have created XXXX different complaint cases on my account and I never filed a COMPLAINT with them ever. The case numbers are : XX/XX/2023 # XXXX, XX/XX/2023 # XXXX, # XXXX, XX/XX/2023 # XXXX. They use these case numbers deceptively to give account holders the false impression as if they are responding to a Billing error notice but in reality they create a complaint case numbers and NEVER OPEN A BILLING ERROR DISPUTE CASE. I have never sent a letter expressing a complaint, nor have I did over the phone. WHY do I have XXXX Complaint cases????? 
In my XXXX billing error notice of default I instructed them not to contact me by telephone and respond by XXXX mail only. There are already numerous attempts by them to contact me by phone which is considered harassment at this point. I want the Bureaus to investigate WHY is Wells Fargo allowing and instructing their XXXX XXXX XXXX XXXX XXXX ) Change Billing Error Notices into Complaint cases. This is pure NON COMPLIANCE with the Billing error dispute process. My notice of default was to request them to forfeit the balance of {$6100.00} for the Complete FAILURE of ALL the Procedures required and that is in compliance with XXXX XXXX XXXX, TILA Part D XXXX, XXXX, XXXX, XXXX and XXXX. Any other regulations or procedures applicable to my case. As I write this complaint now Wells Fargo is Still in Non compliance and they are also still trying to collect on a balance that is being disputed for the XXXX time. They are also still reporting the disputed balance on my credit report as accurate. There was never a reasonable investigation completed nor are they taking any responsibility for the Unauthorized electronic transfer of {$6100.00} made on my account. The money should've never left my account and they were offered XXXX business days to contact me to provide WRITTEN authorization. Wells Fargo never attempt to contact me to provide that information, Therefore Wells Fargo is Liable for the {$6100.00}. And I am requesting for them to XXXX  out my balance.

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 2022-08-13
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:
Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Company will not respond to the issue. They are sending all kids of responses that do not deal with the fact that their investigation did not happen during the allotted 30 days.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2021-05-17
Company: LoanCare, LLC
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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2019-10-01
Company: EQUIFAX, INC.
State: VA
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-03-09
Company: FISERV INC.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Reporting Forgery/Counterfeiting Here is the information requested from Telechex approximately 12 days after me filing a report of unauthorized funds being debited from my account. Here is a quick background. I found unauthorized debits coming from an XXXX account linked to XXXX XXXX directly withdrawing unauthorized money from my personal checking account. Upon noticing this, I immediately called my bank, XXXX, who referred me to Telechex. I went to the Telechex website and tried to find a phone number to call. After much searching, I found a phone number where I waited more  than 35 minutes only to be referred to another area on the website that specializes in fraud.

I filled in the relevant forms on the website which said that it could take up to 30 days for Telechex to respond. I called my bank again and they said that they couldnt stop charges from debiting accounts linked to XXXX because there are too many company ID numbers associated with XXXX to block all of them. They again asked me to get in touch with Telechex.

10 days later a letter arrives in the mail and asks me again to fill in the exact same forms that I already filled in on the website. In the meantime, more money was debited from my checking account while Telechex decided to use the postal service for communication instead of a phone or email. 
I am sending a copy of this letter to Consumer Financial Protections Bureau along with my response directly to your fraud department. The fact that Telechex doesnt have a fraud number to cease nefarious activities and that it could take up to 30 days for a response are completely unacceptable responses when a fraud is ongoing. It is fairly obvious that Telechex has outgrown its perceived responsibilities to its customers when all my complaints yield is a perfunctory letter delivered by the mailman. It is a further disgrace that the only action I have been able to take has come from assistance in the XXXX call center of Telechex from someone who helped despite this not being their job.

I respectfully request a phone call from a domestic manager at Telechex to explain why their customer service experience and fraud mitigation services are so understaffed that they cant respond immediately in cases of fraud. Furthermore, it would be nice to also know why the rest of the world has embraced email and phone calls as acceptable and immediate forms of communication yet Telechex still uses the USPS to act on items that require immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. There is an account with no name and the acct # XXXX and XXXX XXXX. There are also inquiries on there that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI EQUIFAX MORTGAGE SOLUT EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX/XXXX  JXXXX XXXX XXXX XXXX. I have contact the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX XXXX and I am a victim of identity theft due to the XXXX data breach. I have a fraudulent hard inquiry on my report that I would like removed. 


XXXX XXXX XX/XX/2023

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have already sent letters to the Credit Bureaus to update or remove incorrect / previous addresses on my Credit Report. However, it has been more than 30 days but to no changes at all. I have submitted all necessary documents such as a copy of my ID and Proof of Address which shows my identity and current address, respectively. I also reported this matter to FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Westlake Services, LLC
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: Public record information inaccurate

Complaint:
I have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX  by Westlake and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XXXXXX/XX/XXXX and received discharge notice as well as letter from Westlake showing debt discharged and I'm not responsible. Westlake as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a collections placed on my credit report on XX/XX/XXXX. The collections account was placed by Southwest Credit Systems. It states that the original creditor is XXXX. I contacted Southwest Credit Systems by phone, without admitting liability to the debt, or making a payment, they disclosed that the original date of delinquency was XX/XX/XXXX and that the debt was time barred as of XX/XX/XXXX. I plan on sending CFPB form letters to get this information in writing. My concern is that they may be attempting to re-age the debt by placing it on my credit report for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
I submitted my first complaint on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing 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 2023-05-02
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Chase Bank is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Chase Bank keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  and Transunion are reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX  - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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