BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My information with Equifax has been breached. I attach the proof and they refuse to delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I So please delete these from my credit report immediately. As I was a victim of this data breach. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 2023-11-28
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$5400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 instruction

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 2022-02-17
Company: Accurate Background
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied at XXXX and went through a background check with Accurate Background. It began on XX/XX/XXXX and I received a copy of the report on XX/XX/XXXX. The report said that I was found guilty of a crime ( felony misdemeanor ). This report was also sent to the employer. I immediately disputed the report as it was inaccurate. I provided undeniable proof that I was not convicted of said crime the report categorized me as guilty of. I have not been able to reach the dispute team but I was given an email and have yet to get a response. They told me the process is that they will send XXXX a notice saying Im disputing information and they will reinvestigate. I have not been given a timeline or an eta on when the matter will be resolved. This will undoubtedly lead to lost wages due to the delay. Also, because I was not convicted of a crime at all and they reported that I was convicted, it leads me to believe that the team who put the report together were not careful and it could have a real impact on XXXX decision to hire me. If I did not have make sure to check the box to receive a free copy of my report, I likely would not have ever known because I received no call. In my application when I was asked if I had been convicted of any crime in the past 7 years I answered no, so if they thought they found a conviction I should have been contacted before they sent the report to the employer, possibly damaging the work relationship that Im trying to establish. This is very upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have disputed the accounts in quest with TransUnion and requested that a XXXX of XXXX as to how they determined the accuracy of the said accounts. Unfortunately, TransUnion has failed to respond to my queries repeatedly and I am forced to report to the CFPB as a last means of resort since they have ignored all my request. As my letter stated I am expecting that they provide a detailed response and not a generic response to my dispute. I have also included the past letters complete with receipt of mail sent via certified mail. Additionally, I have included a screenshot of the online portal that shows in their system that a dispute sent since XXXX was still pending in XX/XX/2022.

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 2015-05-27
Company: Harbor Front Acquisitions LLC (Closed)
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A man first called my employer 's office, purporting to be from a law firm, Harbor Firm Acquisitions. The office manager refused to allow him to speak to me, told him I was not allowed to receive personal calls at work, and then hung up on him. The man then proceeded to call back XXXX times, and to be so harassing, the office manager had to instruct all other personnel in the office not to answer the telephone until he finally ceased calling. 

A week later, a woman from Harbor Firm Acquisitions called my personal cellphone from a telephone line that spoofed the telephone number of the local county courthouse, and left a message on my cellphone stating that she was trying to arrange delivery of legal documents in reference to a debt. Rather than giving me a local telephone number to call for information, she then gave me the number of the lawyer 's office - Harbor Firm Acquisitions. I called the court house, rather than the lawyer 's office, and was told that no such person existed at that number, and that no documents were waiting for delivery to me. I have since received no physical paperwork from their office. 

This week, the man from Harbor Firm Acquisitions is again calling my cellphone and my work number. He has refused to give me any number other than an XXXX number ( so I can mail or fax a request to cease all communications, except in writing ). I ca n't get a written verification of the debt, to see whether this is something I owe, or is instead part of a debt collection scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: MORTGAGE LENDERS OF AMERICA
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
We are selling our home, and received an offer on XX/XX/2016 from a buyer, which was pre-approved by Mortgage Lenders of America and we accepted. The original close date was XX/XX/2016, and a week into the contract the buyer 's agent contacted our agent asking if we could close early on XX/XX/2016, that the buyers financing was already in underwriting. Again we accepted and after we had already vacated the home, on XX/XX/2016 less than 48 hours before we were scheduled to close the finance company asked for an extension on closing to the original date. I talked to the lending company with my realtor, who both confirmed to me that the buyer would be getting approved, that they only needed one more form completed before they could do so. They also were adamant that it was not the buyers fault for the delay. We checked back daily and were told the same thing. Then on XX/XX/2016 we received the denial of financing and cancellation from the buyer. The reason we were given was the buyer 's credit was poor. After further digging our realtor found out that the lender did not run the buyer 's credit until after we had already accepted the offer and moved out. XXXX XXXX, our Real Estate company has told us that the buyer should have never been given a pre-approval letter in the first place. We are now moved out of our house, and unable to close. We have also put all of our belongings in storage, and are staying with in-laws, and still paying for a home we no longer occupy. The home we were planning on moving into, and have put money down on, and also are under contract on is at risk of being defaulted on as we no longer have a buyer for our home. This has put me and my family in a horrible position both XXXX and financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: WI
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 2018 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. Account isn't 49 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
The Discover card offers an extended warranty that appears in the list of benefits ; their website states " No need to worry about expired warranties. We will extend the terms of an existing eligible warranty for up to XXXX additional year on warranties of 36 months or less '' and further states this is " Available to all Cardmembers ... This exclusive benefit is available to you as a valued Cardmember. We 've got you covered when you use your Discover card. '' The reason for my complaint is if you decide to utilize this benefit and file a claim, the claims process ( which is administered by a third-party ) requires an official repair estimate to be submitted and this may have a cost -- thus, in order to use the Extended Product Warranty benefit, a consumer may have to pay an un-reimbursable expense that is not covered by Discover or their assigned third-party claims processor. 

In my particular case, I have a XXXX TV that failed after XXXX 's original one-year warranty. After filing my claim and providing all other requested documentation, I have found that there are no " free estimates '' available from authorized repair facilities. All repair providers require an upfront fee of {$99.00} to {$140.00} for an in-home estimate, the cost of which may or may not be applied towards the actual parts and labor repair. Discover will not cover this cost, and thus, this is not a free benefit. Contrast this to any standard manufacturer 's warranty that would not require any cost to initiate and finalize a repair or replacement and you can see that Discover needs to address this issue as this benefit is not actually extending the original warranty and this is deceptive. 

My request is that Discover amend the " Extended Product Warranty '' Terms & Conditions advising consumers " that any cost for an estimate is not included in this benefit '' or that they would reimburse the cost of any estimates paid for by a consumer as part of the claims payout process. 

I have contacted Discover already about this issue, but do not have confidence the company will take my complaint seriously so this is why I have elected to bring this complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Delinquent account

Complaint:
Discover Financial services is reporting me as being a total of 60 days late, in XX/XX/2015 and XX/XX/2015. This is an inaccurate reporting and stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: OH
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:
All three credit bureaus have failed to provide me with any documentation as required by law with my signature or proof validating that I owe them for this debt. Below is a copy of the letter I sent to all three Credit Bureaus With none of them showing any proof other than they say it is so. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX Validate Account XXXX XXXX XXXX  * Please remove all non-account holding inquiries over 30 days old. 


Thank You, 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 2023-05-17
Company: WELLS FARGO & COMPANY
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
Bank : Wells Fargo Type of card : general credit card Issue : incorrect charges on account ( for purchases never made ) and bank resolution of dispute. 

Over a period of a few days, three charges appeared on my account from XXXX. They were, with the dates as shown on my credit card account statements : 1. {$26.00} on XX/XX/2023, 2. {$26.00} on XX/XX/2023, 3. {$33.00} on XX/XX/2023. 
Of these, only the {$33.00} charge was legitimate. I did not make the other purchases. 
I submitted disputes to Wells Fargo as to the other two charges. 
Wells Fargo resolved the dispute as to the XX/XX/XXXX charge. 
Wells Fargo forwarded the false XX/XX/XXXX charge to its fraud department. 
I received a letter on XX/XX/2023, stating that the fraud dispute was denied. Upon contacting the Wells Fargo claims center, I was informed that because I had made purchases at XXXX before, this was a " dispute, '' rather than a " fraud '' ( as Wells Fargo understands those terms ), and that therefore there was no fraud. I was then informed that because the issue was analyzed as " fraud, '' it was considered resolved and could not be further pursued. For example, it could not be pursued as a " dispute. '' I was left with a false charge on my account. 
I was not the one who had forwarded the claim in question to the fraud department ; Wells Fargo did so through its Claims Center. I had provided Wells Fargo with all of the information as to the transactions in question, either in writing or through phone to the Claims Center. Wells Fargo was aware that I had made other purchases at XXXX. The terms " dispute '' and " fraud '' as Wells Fargo understands them are not legal terms of art that customers can be expected to understand. They are merely specialized internal terms that Wells Fargo uses. 
I am left with a false charge on my account due to the ineptitude of the claims team as to their own procedures and the inadequacy of said procedures for claim resolution. Furthermore, the procedures are affirmatively misleading.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XX/XX/XXXX Collection Account {$170.00} Account # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$0.00} Opened XX/XX/XXXX Closed, 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 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 2022-02-17
Company: TD BANK US HOLDING COMPANY
State: NY
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 wrote a monthly rent check on XX/XX/2021 that was lost in the mail. I called to stop the check with my bank, XXXX, but on XX/XX/2021, the I see that the check I wrote on XX/XX/2021 was deposited by a person I did not recognize, for an amount I did not recognize. The person must have stolen my check out of the mail, changed the date, the amount, and added his name to the payee line. I have already filed a complaint against my bank, XXXX, and are currently working with them to hopefully resolve the issue. However, when this person changed the amount on my check, he changed it from {$3700.00} to {$13000.00}, but only managed to change the original " XXXX XXXX '' to " XXXX XXXXXXXX. '' Despite his grave misspelling that should have immediately been suspect, TD bank still accepted and deposited the check. 

While I do not know the address of the TD Bank branch that accepted this washed check, I know that the return location routing number is : XXXX XXXX XXXX, and that it is located in downtown Flushing. The XXXX code is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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