BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The credit bureau transunion and XXXX said they verified a collection on my account however there is no proof of verification and they had previously removed it from my credit report and then placed it back on ( I will be sharing screen shots, so glad I took those ) This company has been such a pain to get this incorrect information off my credit because it is not my collection and they arent doing what they are supposed to do based on the Fair Credit Reporting Act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CBC Companies, 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:
Innovis has something from a company called XXXX XXXX on my personal credit report. This XXXX XXXX  medical debt is in the name of XXXX XXXX. This is not my name. Please remove XXXX XXXX from my credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Account information incorrect

Complaint:
I am banking with XXXX XXXX XXXX, this XXXX XXXX merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Some one stole my bank and was making despoit on my account

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 2021-01-13
Company: EQUIFAX, INC.
State: DE
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 been checking my report since the pandemic started and when the cares act relief for federal student loan borrowers was made law I noticed a lot of multiple XXXX account with the same account number and this has got to be an error because I don't recognize these. Besides a lot of these loans are in forebearance and are to be marked as paid on time Cares act 3513, a, b, c, & d. payments are suspended ( ADMINISTRATIVE FOREBEARANCE.IN THE STATE OF PENNSYLVANIA. There are a lot of violations and we are in a financial and health crisis and need help from CFPB to ensure the bureaus are doing their job its a stressful time for all americans. It has been over 45 days since disputes and then I get a postcard from the credit bureau which is unacceptable as I stated in my letter to them disputing the items. That told me they didn't do the investigation and left me with a stall tactic, this items must be deleted. its law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re :  Notice forProof of Claim To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Since this is an error I demand that you send me the following proofs for the following accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AND XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: MO
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:
The credit report has me at late payment for XX/XX/XXXX. I did not purchase the XXXX  until XX/XX/XXXX. I was never late on my payments. Experian as the account opened as of XX/XX/XXXX. I am not sure how I can have a late payment a month before I purchase 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 2023-10-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a hacked account due to a phishing scam I discovered occurred in XXXX. I opened a claim on XX/XX/XXXX # XXXX for all of these charges made by a merchant named XXXX XXXX XXXX  who I can not identify to contact directly. I also have a charge not included for {$560.00} from XXXX XXXX XXXX and that charge was handled separately and also denied but without a rebuttal filed despite my request and supporting documents given. I had my claim for fraudulent charges on all of those almost immediately denied. I inquired why and asked for supporting documents of theirs and they said they would mail it and email it neither of which I have received in the last three weeks. I followed up with a rebuttal on claim # XXXX and tried to do include the other charge but was denied a rebuttal for the {$560.00} charge. I ventured forward and submitted additional supporting documents. I inquired about why I had not received XXXX and was told I was not eligible because it has been more than 60 days for some charges. I asked why and they kept saying Regulations E, with no details. I looked into the matter and I believe under Regulation E that I have a legal right to provisional credit since the claim is still under investigation and it has been more than 10 business days. Every time I reach out to the dispute team via chat or phone I am dismissed with canned responses and disconnected without proper resolution. They seem to be avoiding responsibility for fraudulent charges and provisional credit which is what I am seeking due to the severe impact it is having on me and I feel like they are scamming me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PNC Bank N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage question : PNC BANK Spouse passed away in XX/XX/XXXX Surviving spouse contacts mortgage company regarding death, fills out the appropriate form and supplies death certificate in XX/XX/XXXX Deceased spouse only is listed on mortgage but according to MN law, I believe both spouses are required to be listed on title According to XXXX XXXX XXXX XXXX surviving spouse inherits mortgage and can assume it. We believed it be that no additional actions were required. 

XX/XX/XXXX, PNC reaches out to XXXX XXXX XXXX company to verify the homeowners policy has been renewed, as the mortgage has always been covered by private insurance. 

The homeowner had renewed the insurance policy with XXXX XXXX insurance but it was changed in XX/XX/XXXX to the surviving spouses name. We come to discover after reviewing statements that PNC did not change the name on the mortgage when receiving death certificate in XXXX. Now in XX/XX/XXXX, PNC reaches out to XXXX XXXX but claim they could not verify the Homeowners policy because it did not match the name ( deceased spouse ) on mortgage and added lender insurance on the loan. 

PNC did NOT change name on mortgage for a year, still listing the deceased spouse as mortgage owner. 

Because of this, the homeowner has been paying private and lender insurance. 

Not until XXXX did they change the name in the mortgage to the below instead of removing XXXX and replacing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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
Consumer complaint received 2021-09-13
Company: GSA Commercial Asset Management
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
No appear at docket CFPB, ORDER : CFPB CLOSED all account bank OF all defendants REASON : MY docket at CFPB defendants fail answer It is seem Contempt, fraud from all defendants unite Violate

Company response to consumer: Untimely response
Consumer complaint received 2021-06-27
Company: Experian Information Solutions Inc.
State: NY
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:
I called XXXX XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. 
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please handle accordingly.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
There are multiple inquiries on my credit profile that I did not authorize.

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 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2019-08-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: 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 2024-01-06
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear cfpb This is a complaint about the bad behavior of wells Fargo bank using tactics to not deal with customer disputes. 

Because I have had XXXX such experiences last year, this disgusting bank will delay time, push the responsibility to the customer for not providing evidence, until the case expires and gets away with it, they will change back from the merchant, and then tell the customer that this dispute failed because you did not provide evidence, thus embezzling these funds. 

Wells Fargo bank opening fake accounts, manipulating mortgage loans, charging unjust fees, and other illegal activities. 

This time I encountered the same problem, raised a dispute again, after XXXX months of no reply, I called to inquire today, the customer service actually asked me you did not provide evidence, please tell us the information. They are going to use the same means to embezzle the funds of customers and merchants. 

I hope the authorities intervene and give a severe crackdown. 

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Various times and dates accessing account but I always receive a statement automatically each month without a problem

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