BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage account with Wells Fargo for many years and they gave my wife and I a hard time regarding our refinance. We initially bought our home in XXXX and sold it in XXXX. However, our mortgage company was Wells Fargo for about 15 years. How can I find out if I can start a claim for the XXXX settlement?

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 2023-03-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a XXXX for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.

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 explanation
Consumer complaint received 2023-11-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX someone hacked my chime account and entered my account they changed my number to theirs. Chime allowed them to transfer {$900.00} and declined my dispute saying they found no error. The same person also completed three of the same transactions at coach outlets in the amount of {$1200.00} for a total of {$3500.00} was stolen from me. I have read multiple forums on XXXX of people going through the same issue and chime taking 0 accountability and refusing to return their money. This person was able to completely by pass the log in codes that were being sent to my phone and login on a device Ive never used in a city Ive never been to. Ive been a chime customer for 8+ years and have never filed a dispute with them. Someone attempted to make a {$30.00} purchase from XXXX XXXX a week prior and chime texted me to verify if it was me but didnt feel the need to verify or flag the suspicious transactions that were the exact same and suspicious activity that has never occurred on my account. Chime will not let me dispute the coach purchases until they have finalized. I have made a police report and will be reporting them further and taking action until this is all resolved and I rightfully get my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by GM Financial. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at GM Financial XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to GM financial regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My GM Financial statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXXXXXX XXXX late, and I am requesting an immediate update to all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Loggin in into Venmo hasn't worked for more than a week for me. It has affected my ability to withdraw funds to pay for my expenses including mortgage, Credit Cards, etc. The issue is still not fixed and I am late on my payments and being hit with late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I notice it was different names, birthday, and address on my credit report I send a all 3 credit bureau A letter on XX/XX/2023 saying i want update and correct my personal information and i wish to not have any phone number on my report and remove all addresses off my report as they are not deliverable to me by U.S post office.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-05-29
Company: Park Hill Holdings
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for an apartment and was denied base on the company SafeRent consumer 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 2023-02-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a XXXX XXXX XXXX who was assaulted by a student, and placed on workers comp. I suffered a XXXX  and XXXX XXXX XXXX, and the income that I was receiving from workers comp, was nowhere near what my normal salary was. I have now been cleared to go back to work, but in the meantime, synchrony Bank closed all three of my accounts that I had with them for no reason. I was a long-standing customer with synchrony, and had three cards : CareCredit, discount tire, and Sam 's club. This negatively affected my credit score, and when I reached out to synchrony to ask why my accounts were closed, I was notified that I was a " high risk for not paying '' customer. I feel that this is very unjust and very unfair, considering I had made regular on time payments for many years. Synchrony claimed that they mailed me a letter concerning each account, but I never received a single letter.

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 2023-03-29
Company: W&A Intermediate Co., LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX  Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 6 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: GA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to express my deep concern regarding the inaction and non-compliance of the credit reporting agencies in rectifying inaccurate information on my credit report. I have diligently followed the proper procedures and submitted requests for the removal of erroneous data, specifically regarding jobs, addresses, birthdays, and names. However, despite the considerable time that has passed, these agencies have failed to update my credit report accordingly, violating the guidelines set forth by your organization. 

To provide you with a detailed account of the situation, I have outlined the necessary information below : Date of Initial Request : XX/XX/2023 Description of Inaccurate Information : The inaccurate information on my credit report includes incorrect jobs, addresses, birthdays, and names. These inaccuracies have had a negative impact on my creditworthiness and financial standing. 
Actions Taken by Me : I have repeatedly contacted the credit reporting agencies, both in writing and by phone, to request the removal of these inaccuracies. I have followed the established procedures, provided all necessary supporting documentation, and clearly outlined the specific items that need correction. 
Actions Taken by the Companies : Despite my continuous efforts, the credit reporting agencies have failed to update my credit report within the legally mandated timeframes. They have not addressed the inaccuracies or taken any steps to rectify the situation, causing prolonged damage to my creditworthiness. 
I would like to reiterate that the credit reporting agencies ' disregard for rectifying the inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). This act clearly outlines the responsibilities of credit reporting agencies to investigate and correct inaccuracies promptly. 

Considering the gravity of this matter, I kindly request your immediate intervention in ensuring that the credit reporting agencies comply with their obligations under the FCRA. I implore you to investigate this issue thoroughly and take appropriate actions against the agencies that have neglected their duty to maintain accurate and up-to-date credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or supporting documents, please do not hesitate to contact me

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Bankruptcy discharge ref # XXXX U.S. BANKRUPTCY-CENTRAL DISTRICT Address : XXXX XXXX XXXX XXXX XXXX, XXXX CA 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Alco Capital Group, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
well my Identity was Stolen back in XXXX, this company over the years has garnished my checks and now they have a levy on my bank account they were sold to different companies over the years and they took the amount owed multiple times for a debt that I don't even owe because I don't have an account with this company the company that started this was asset acception or something like that then convergence receivables and now they go by Alco Capital LLC they took over the years at least {$4500.00} from me and are still collecting a debt that I never owed them in the first place because my Identity was Stolen and I have letters and documentation stating this I even have a Letter from the IRS stating my Identity was Stolen and they will not leave me alone and this debt has been paid even though it wasn't mine they garnished wages and have my bank account locked and just want them stopped this has gone on for way too long and I feel they need to repay what they stole from me on this matter and unlock my bank account

Company response to consumer: Untimely response
Consumer complaint received 2023-05-30
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was just recently notified by the credit bureaus that a collection was put on my reports from a collection agency on behalf of XXXX. this was done about a year ago and I had to go through tons of paperwork back and forth to prove it was not my debt. It caused havoc on my credit repair. Now they have done it again with the same debt. My credit has been destroyed!!!! Over a XXXX points down!!! I thought the law said I must be contacted before collections were added. Why aren't there fines for hurting consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update the account, or inaccurate information, from my file immediately & send me the results to the address. FAMILY LA CO 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 2023-05-30
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified that I owe a debt to some company. I have not recieved verification of the debt and i have no clue what the debt is for. i dont even have the name of the orginal creditor. or the charges and amounts.

Company response to consumer: Closed with explanation