BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 XXXXXXXX XXXX and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXXXXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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:
XXXX XXXX {$0.00} : XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX, - these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XX/XX/XXXX, XXXX XXXX XXXX  {$130.00} XX/XX/XXXX, XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX  {$9700.00} XX/XX/XXXX, XXXX XXXX {$470.00} XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed

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 2023-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXXIn XXXX of XXXX, I complained to Wells Fargo Bank that XXXX was been scammped by their bank for additional interest charged to my personal loan. Wells fargo bank did a research and acknowledge the error and compensated me with {$210.00} on XX/XX/XXXX. 
Resolution : I am asking for {$500000.00} - XXXX as a penalty for violating my trust in the bank. 

Respectfully

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 2023-03-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX  XXXX, 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 2022-05-31
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 XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX 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 2018-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir/Madam : Several false and fraudulent instruments have been filed on my property : XXXX XXXX XXXX XXXX, XXXX, California in violation of the law at, inter alia, 18 US Code 471, 472 and 473 and Cal. Penal Code 115 ( a ) and ( b ) by some people. 
In accordance to the Federal Emergency Act of 1933 -- HJR 192, Public Law 73-10, i : tendered a payment for the alleged debt, XXXX XXXX XXXX XXXX XXXX and its Co Parties, Agent ( s ) Principle ( s ) neither returned my payment, nor refused nor rejected it, therefore pursuant to UCC Sections 3603 and 3307 which are the same as California Commercial Code Sections 3-603 AND 3-307, the alleged debt is discharged. This fact [ i.e. my offer of tender and XXXX and its Co Parties Agent ( s ) Principle ( s ) refusal to accept, or deny, or reject and return of my offer of tender ] have been filed in California Secretary of State signed and executed under penalty of perjury. However, XXXX XXXX XXXX XXXX XXXX and all of its co parties agent ( s ) principle ( s ) are refusing to send my discharge papers to me while they continue to harass, intimidate, stalk and demonize me, see attached Exhibit A, which include : 1 ) true and correct copies of my filings in California Secretary of State for breach of contract, and 2 ) true and correct copies of my filings for my TILA rescission at 15 USC 1635 ( i ) 2 and at 3 ) 15 USC 16351in XXXX XXXX County Recorder.5 in XXXX XXXX County Recorder. 
i : am, therefore, reaching out to CFPB to assist in clearing the title to my home in my favor, as a matter of law, Id. 
i : look forward to hearing back from CFPB very soon. 
All rights reserve waive none By : ____________________________________ XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX  attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
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:
n 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt These are the accounts that are in violation XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My fiancee and I have a joint mortgage that we got through Wells Fargo Home Mortgage. A condition of getting this mortgage was enabling auto-debit, so our mortgage payments are automatically taken out of our bank account every month. 

During the month of XXXX, my fiancee and I opened a joint checking account. We updated our bank account information in Wells Fargo online banking. At no point did I see an option to enable or disable auto-debit, and at no point was I ever warned that auto-debit would be disabled. When looking over my bank statement at the end of the month, I realized that no mortgage payment was taken out of my account. I logged in to see that I had my XX/XX/XXXX payment >30 days past due and my XX/XX/XXXX payment several days past due. 

I called Wells Fargo, who informed me that when you switch checking accounts, you need to call them to have them manually re-enable auto debit. I was not warned of this at any point during the process. Wells Fargo also assured me that this wouldn't be reported to any of the credit reporting agencies. I made both payments and I am current on my mortgage. 

During the 30+ days my mortgage was past due, Wells Fargo made no attempt to call me, email me, or send me a letter to let me know I was past due on my mortgage. They did, during that very period of time, call me to offer me credit cards, deposit accounts, and investment services. 

2 days later I received a notice from XXXX that my credit score had dropped from the mid-700 's ( pristine credit ) to XXXX because I was delinquent on my mortgage. I have called Wells Fargo several times over the past three weeks and have been told " well, I don't know what you want us to do ''. They also said that they had no phone number for me. No phone number ... .the same bank that called me not 1 week prior to say " because you have been a great customer of Wells Fargo Mortgage , we would like to offer you a special rate on a credit card! '' I have spent a lifetime making debt payments on time. Not one blemish, not one late payment, not one single reason to think I am anything short of being as creditworthy as the US government. My fiancee and I make over {$300000.00} a year combined. These payments are literally no trouble at all for us to make. I need Wells Fargo to remedy this situation, which was entirely their fault.

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 2023-02-05
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I purchased my home in XXXX. After my divorce, I eventually fell behind. I filed chapter XXXX in XXXX. Then I was furloughed from my job when XXXX hit. When I was again gainfully employed as a XXXX XXXX, I discovered that little other than lawyer fees were being consistantly paid by the trustee. I let my chapter XXXX dismiss in XXXX and signed an agreement with US Bank to rework my mortgage. I have been paying my mortgage in full and on time since then, but the account still shows as inactive, which is affecting my XXXX XXXX. A representative told me that once a bankruptcy has been filed, regardless of what happens afterward, US Bank no longer reports to the bureaus. I will soon be closing on this house and paying it off, and I want that and the last XXXX  months or so of an account in good standing to reflect on my credit report.

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 2022-07-14
Company: EVERBANK, NATIONAL ASSOCIATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had items for sale on XXXX XXXX. A prospective buyer communicated with me via XXXX XXXX that he was interested and wanted to send me money via XXXX. So I gave him my email address. He emailed me and said he used the wrong account and needed me to send him the money back, then he would send the money to me from the correct account. I sent him a 'refund ' without checking to see if I had gotten the money from the original 'transfer '. I had not of course, and lost the {$200.00} to the scammer. My bank, TIAA, said that this type of fraud was not protected by them and would do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid 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:
Hello, My name is XXXX XXXX. 
In late XXXX ( XX/XX/XXXX ), on a site called XXXX  ( no longer online, here is the link to the site : XXXX XXXX XXXX ), I purchased shoes using my Bank of America ( BoA ) credit card. The shoes said they are made in the USA and that they are orthopedic. 

Hours after I place the order I got a shipping notification with a USPS tracking number ( XXXX ), but the link in the email is to a XXXX shipment tracking site. So it ticked off an alarm in my head and I emailed the merchant to cancel the order ( they also had a free 60 day return policy listed on their site ). 

An hour after that email, the site is no longer online. At that point I called to file a dispute with BoA dispute department. Case number XXXX, for card ending in XXXX. 

I get the money back. The merchant hasn't responded to my initial email asking to cancel the order in the meantime. The item then arrives on XX/XX/XXXX and the item is made in XXXX, not in the USA like listed on the site, and is clearly not orthopedic. I sent the merchant another email on XX/XX/XXXX asking to return the item, but got on response. 
2 weeks after I started the dispute, BoA gets back to me saying that the claim is resolved. 

About 2 weeks ago ( XX/XX/XXXX ) the BoA dispute department sent me a letter that " new evidence came to light '' and that the merchant told them that the item was delivered. 
BoA dispute department is asking for a return slip or a return tracking number. 
I sent them the emails I sent the merchant and I wrote to them that the site went offline mere hours after I placed the order, which should tip them off that the merchant is a scammer. On Friday, XX/XX/XXXX, I got a message that the proof wasn't sufficient and BoA put the charge back on my card. 

I tried calling Customer service following their decision, and they said " you didn't return the item ''. Now, how would I return the item if I have no shipping address and the merchant isn't answering emails or communication, which I have clearly proved in my documents to BoA? 

In my letter to BoA, I have also listed the fact that the merchant hasn't responded to me, but he has to them. I made it clear to BoA that I still have the item and that if they contact the merchant and get a return address ( as they have no problem reaching him ), I will return the item gladly as I do not want the shoes. 

I also tried reaching out to the head of client care at BoA on Friday, XX/XX/XXXX, but I have received no answer as of yet. 

The emails I sent the merchant and showed BoA are attached to this complaint ( again, I received no response from the merchant to this day ).

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 monetary relief
Consumer complaint received 2023-02-05
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There is a need for a full accounting of this account because XX/XX/2022 a charge ( XXXX ) it was disputed I was allegedly refunded but now in the leger there is a - sign by it. 

IT LOOKS TO ME LIKE PAYPAL is refunding and then taking the money back from peoples accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, 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:
My name is XXXX XXXX i have disputed these fruadenlent accounts on my Equifax credit report for sometime now i have sent a police report and fruad addvadvit to Equifax in XX/XX/XXXX and XX/XX/XXXX please remove thank you XXXX XXXX The fraud accounts on Equifax Credit Report : XXXX XXXX Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Diverse Funding Associates LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector called me stating that I owe this alleged debt. I questioned the validity of the debt and and they stated that they were sending documents over. I am requested all documents original creditor, address, amount of the alleged debt and my wet signature on the alleged contract. As pursuant to 15 usc 1692c ( c ) I am demanding that this company and whoever else is affiliated with this company needs to CEASE and DESIST on all mediums.

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 2021-07-14
Company: Lending Club Corp
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery is now knowingly reporting collections to my credit reports. I have disputed this account several times as fraud and they will not conduct a proper investigation. They sent me only a letter from XXXX XXXX that stated that they owned the debt now. This debt does not belong to me and I would like it to be immediately removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: TX
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief