BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my SECOND complaint about Wells Fargo and I filed a complaint with my states Attorney General. Wells Fargo is still committing fraud and identity theft against me. I filed a CFPB complaint reporting the violations they made against me with proof for all. I filed an FTC identity theft report. I sent an Affidavit of Truth via certified mail XX/XX/2021. I also attached proof they received it ( XX/XX/2021 ). Under the Laws of Commerce, an un-rebutted Affidavit Stands as Truth. I'm writing this complaint to address that Wells Fargo has not rebutted the Affidavit I have sent them. They responded to my last CFPB complaint with documents stating they did a " reasonable '' investigation. This is not a proper rebuttal to an Affidavit of Truth. Plus, they must rebut ALL violations with proof of ALL and via ANOTHER Affidavit of Truth. They failed to do so. Therefore my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. 

One of the " rebuttals '' on their " reasonable investigation '' was that I paid multiple payments on the card. This was a violation I provided in my Affidavit of Truth. This shows me they didn't even read it. They committed to their own crime and are seeing if I'm paying attention. I AM. They sent me XXXX statements for 2021 showing that the payments I made which is unlawful pursuant to 15 USC 1692h ( which, again, was a violation I provided in my Affidavit of Truth ). 

Wells Fargo proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof is attached. Not to mention, a class action lawsuit was filed against Wells Fargo for opening unauthorized accounts in the past. This is a violation of 15 USC 1602p. 

I now have more late fees accumulating on the account and it has decreased my XXXX XXXX drastically, not allowing me to obtain more credit. 

This is completely unlawful and abusive. I have done all steps needed via the federal law and Wells Fargo is still breaking FEDERAL laws pursuant to the FDCPA and violating me as a federally protected consumer under 15 USC Chapter 41. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). I did not apply or sign for the card with the new account number, therefore I am not to be legally held to the contract.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: MS
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 am writing to request the removal of bankruptcy reporting from my credit reports. I have disputed this item with XXXX, Experian, and XXXX. XXXX, Experian, and XXXX responded and verified bankruptcy with third-party XXXX. I have received the Results of the Reseller Dispute from the XXXX file in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq ). As of XX/XX/XXXX, the dispute information was removed from my file at XXXX. XX/XX/XXXX XXXX dispute filed with XXXX, Experian, and XXXX but has not received a response. I have attached a dispute letters results from XXXX with my driver 's license and social security card for verification. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similarly situated class decide to pursue such action. Therefore, I request that bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.

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 2023-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
Company: FISERV INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Business identification Merchant identification ( MID ) XXXX HELLO MY NAME IS XXXX XXXX, AND MY BUSINESS NAME IS ALSO CALLED XXXX XXXX, I AM WRITING THIS CLAIM BECAUSE I AM TRYING TO RECOVER MONEY THAT IS FROZEN FOR MORE THAN A YEAR, WITH NO REASON TO EXPLAIN WHY I WAS NOT GIVEN I HAVE DELIVERED MY FUNDS, PLEASE DEMAND TO SEND A CHECK WITH MY FUNDS TO MY CURRENT MAILING ADDRESS, XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, IT IS THE SAME ADDRESS WHICH I HAD MY ACCOUNT WITH THE XXXX COMPANY, PREVIOUSLY I WAS TOLD THAT I HAD TO WAIT 3 MONTHS IN CASE ANY TRANSACTION WAS RETURNED, THEN I DECIDED TO WAIT, BUT I HAVE MORE THAN A YEAR AND I HAVE NOT BEEN DELIVERED OR MONEY YET..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
CAPITAL ONE AND XXXX FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON XXXX ONLY, ALL BUREAUS COMPLIED LONG AGO!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid for a service I saw in XXXX and the items were never sent. They deleted the account and have not responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: DE
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 so upset about these accounts that your company has been reporting inaccuracies on my credit report. You are letting me go through all these troubles because of your inaccurate reporting! This is an error on your part and you must remove this as soon as quickly from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX of this year i wrote a letter to Equifax to notify the Elaborate mechanism that they are indeed Reporting fraudulent information ( incorrect Address + Incorrect Date of Birth ) & A Fraudulent Account on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded Illegally & Claimed that they were able to verify the information and the account but Failed to render any Proof of Investigations or Any Proof at all as Per federal Law that they actually did so. I notified them Unequivocally that their actions would compel me to File a report via the CFPB. 

3 months later & they have failed to Comply with Federal law and me the consumer & is now Reporting the Exact same Fraudulent Account that i Disputed, Perpetuating the Damages of my Reputation and my Consumer Profile. 

Their Negligence to Comply with Federal law has caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. Their disregard for Federal law is Repulsive and is Causing me to lose trust within the Banking System.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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:
Ive just reviewed a copy of my credit report and to my surprise, have found that the following information is reporting inaccurately. Please remove this from my credit report within 30 calendar days. Ive been informed by council that if you can not complete your investigation in 30 days, then these disputes must be removed by default. Here is the information that I need removed. 

XXXX XXXX  XXXX  XXXX late payments Late payments are illegal & should not be reporting on my credit report under law 15 USC 1681 A Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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 2022-06-04
Company: AmeriHome Mortgage Company, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX submitted a complaint on my wife 's account XXXX XXXX. The Amerihome representative stated my wife isn't authorized on the account so I take issue with that because she gets correspondences from them daily. After she's asked them to stop. Another real issue is they are in violation of 15U.S.C 1692 ( a ) and ( b ) furnishing certain deceptive forms. Section b outlines the liability under Section 1692k. We receive only a monthly statement ( in a positive format ) Amerihome does not mail the disclosures statement that is required by law. 
18 U.S. Code 8 outlines the obligation of the United States for ALL alleged debt. The payment statements mailed each month are just that Statements. It is prepaid by the government. In addition to that. I am aware that my signature on the promissory note is what created the funds for my loan which was actually paid in full but endorsed and sold without my permission or knowledge. There was no full disclosure. It was deceptive. 
12 U.S.C 1431 it outlines banks can't loan money. I do not want to participate anymore with this fictitious payment of monthly bills with Amerihome. Fraud negates all contracts and there is no statute of limitation on fraud. This is extortion and an attempt to steal my wealth. It is criminal activity. I will also be contacting the federal trade commotion followed by the Attorney General for criminal charges if this fraud does not stop. All debt are the responsibility of the United States Government. I do no owe Amerihome or XXXX anything. I attached an un notarized affidavit filled with facts that can't be rebutted. I will have it notarized before court and send a copy sent to the federal trade commotion and Attorney General to file criminal charges. This complaint only touched on a few violations. The fact of the matter is in 1933 we were took off the gold standard and the United States hold All obligations of debt not me. There is no money only faith in the currency the government provides.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: SinglePoint GI
State: IL
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:
15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed.

15 usc 1681 ( a ) ( 4 ) General revenue corp accounts that reporting false and misleading Information.

XXXX XXXX XXXX  accounts that reporting false and misleading Information.

They never properly verified account.

Contract caller Inc. 
accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$1600.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Affirm Holdings, 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:
I reached out to this company and gave them my information ie name, telephone number, and email was told I was on a recorded line to which I also recorded the conversation with a lady named XXXX, customer service and was told they were unable to locate any record with my information. I informed her that they were reporting fraudulent charges to my credit and asked to be transferred she told me again I was on a recorded line and that they had no information for me in their system and could not help me further, however they are reporting two fraudulent accounts to my credit report and violating my rights under the FCRA. I would like these removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


XXXX XXXX : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Balance {$640.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX : XXXX XXXX  Balance {$12.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX  Balance {$730.00}

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