BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to sell my home before it was foreclosed on by the bank, and received much notification stating that. My home was listed on the foreclosure website of the town I lived in in XXXX New Jersey. I do not have the dates as we had to leave the home in XX/XX/2019.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Company: EQUIFAX, INC.
State: NJ
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:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
PLEASE I ASKING THAT THESE ACCOUNT BE DELETE I SENT IN THE RIGHT DOC TO PROVE THAT THEY ARE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with XXXXXXXX XXXX has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account Name : XXXXXXXX XXXX  XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.

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 2022-11-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CITI bank closed my business account recently and issued me a check which I received in my mail. 

The amount I received on the check is {$500000.00}, which is exactly {$3100.00} less than the closing balance on the issuing date. The total amount that was withdrawn from my balance by CITI was {$510000.00}, so I should've received in the check {$510000.00}. 

Where did my money go? 

In addition I still have on the balance a sum of {$2300.00}, which again must be issued in for of a check to my address. 
Please, CITI answer to my request. 
Thank 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 monetary relief
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Notice, it is a fact, that, I, XXXX XXXX have been a victim of practices that violate my rights as a consumer. 

Notice, it is a fact, that, I, have made many attempts in good faith to remove the accounts listed from my consumer report and the accounts have remained for over 12 months. 
Notice, it is a fact, that, I, have been denied the right to travel using a vehicle because these accounts remain on my consumer report. 
Notice, it is a fact, that, I, have been denied a home due to the fact that I have these accounts on my consumer report. 
This entire process has caused me nothing but stress and hard times enduring these denials. Not only for me but my family as well. These bureaus have been in the wrong and are breaking the law!!! Accounts that have been removed have been laced back on my account. If one bureau removed everyone has to follow! I threatened to send my certified mail stamps and documentation to CFPB and they finally removed the accounts but the accounts reported right back on my account! These accounts need to be removed, If these accounts are not removed. I will use my documentation and the law to pursue remedy for each violation which is well over {$XXXX} that I have counted in this last year since each violation is worth {XXXX}. I never authorized any credit bureau to furnish a report on my behalf so you are committing identity theft. This is my last time contacting your bureau in good faith. 
If they are not removed, I will no longer extend my credit or allow Equifax, to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Equifax, allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Equifax, and XXXX wants to continue doing business with me they should delete this inaccurate from my consumer report like XXXX has.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchants Credit Association ( MCA ) did not provide me with the updated amount of debt that I owed prior to reporting my debt to a credit reporting company. My previous medical debt was {$2500.00} but after my husband and I contacted the WA State Office of the Insurance Commissioner ( XXXX ), the total amount of debt I owed went down to {$100.00}. Considering the vast difference between the original amount I owed and the actual amount owed, I expected MCA to contact me about this corrected debt. MCA did not attempt to speak with me in person about the updated debt, they did not attempt to speak with me over the phone about the updated debt, they did not mail me a letter about the updated debt, nor did the send me electronic communications about the updated debt. Had they done any of these acts, which they are required to do prior to reporting a debt to a credit reporting company, I would have paid the updated debt amount immediately. I simply needed to know exactly how much I owed and who to pay. I previously submitted a complaint to the CFPB about this issue but it went unresolved. While MCA did finally contact me with the information I needed, this entire situation was mishandled by MCA and XXXX  XXXX as no one kept me in the loop of what to pay once XXXX resolved the claims issues I have fought for the last year and a half. Since receiving the information I needed ( again, only after I complained to the CFPB ) I have paid my medical debt.

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 2023-12-20
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-10
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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 is missing that should be on the report

Complaint:
Equifax non-reporting of a XXXX  of my accounts is severely damaging my EQUIFAX credit score. I have been denied credit because of their non-reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
XX/XX/XXXX Letters were sent to Experian demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. After a recent review, I have noticed that there are late payments inaccurately reported on my credit history. I was the victim & I'm not sure why the CRA is not complying with the law. 

I have attached supporting documents, including bank statements and payment receipts, to demonstrate that the reported late payments are erroneous. I am confident that a review of this evidence will confirm the inaccuracies and prompt the necessary corrections. 

The late payments in question are associated with the following accounts : WELLS FARGO CARD SERVICES XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO CARD SERVICES customer service representative. XXXX have already removed this late payment from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you conduct a thorough investigation into this matter and, if appropriate, remove or correct the inaccurately reported late payments on my credit report. I understand the importance of accurate credit reporting and its impact on my financial standing. 

I appreciate your prompt attention to this matter and kindly request that you provide written confirmation of the corrections made to my credit report within [ 30 days ] from the date of this 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 2023-08-18
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On the 21 day of XXXX XXXX, I went to XXXX XXXX XXXX for a consumer credit transaction. During the consumer credit transaction I produced my credit card which was my social security card and my driver 's license for the consumer credit transaction. Pursuant 15 USC 1602 ( l ) Thetermcreditcardmeansanycard, plate, couponbookorothercreditdevice existing for the purpose of obtaining money, p roperty, labor, or services on credit. I filled out an application for an extension of credit, during the credit sale a contract has been offered without adequate disclosures. The contract that was signed with Capital One to purchase a XXXX XXXX XXXX, at the price of $ XXXX wish to cancel that contract.I was not made aware that XXXX XXXX XXXX took my credit to capital one and capital one took my credit to get a loan. I did not authorize that transaction, nor did i have any knowledge of what XXXX, XXXX, Pursuant15USC1602 ( f ) Theterm credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment a nd XXXX XXXX XXXX used my credit to get a loan in my name which in according to 18 U.S. Code 1028 is Fraud. Fraud vitiates the most solemn contracts, documents, and even judgments. U.S VS. Throckmorton On 7/21/21 I hereby exercised my right to rescind the agreement under the provisions of 15 U.S. Code 1635 - a certified letter was sent to the company and the receipt of return was sent back on XX/XX/XXXX .Right of rescission as to certain transactions, and ask that you return my downpayment of {$4500.00} and the amount that has been paid to date on the fraudulent loan within 20 days after receipt of the notice of rescission, as required by law.By law capital one auto financed has violated my rights as a consumer by not responding to my demand which was received by the company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 I transfer money from my XXXX XXXX XXXX card to XXXX XXXX  account of XXXX. The money never came through to my account. The amount was XXXX. Im the one to take this action to get the money back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the three reporting agencies XXXX, XXXX and Equifax to reinvestigate these accounts. However, they stated that everything was complete and accurate. But how can that be possible if the open date and date of last activity and other items are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts not reporting accurately.

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 without my written instructions.

15 U>S>C 1681 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 that report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any reporting agency if a person knows a or has a reasonable cause to believe that the information is inaccurate.

Also, they are not even in compliance with metro2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several different companies have made inaccurate credit inquires upon my behalf ; There not recognizable by me at all. I know for a fact I did not complete them and would like them removed immediately. The inquires are as followsXXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX XXXX  ON XX/XX/2022, XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXXXXXX XXXX XXXX XXXX  ON XX/XX/2022, AND LASTLY XXXX XXXX XXXX XXXX XXXX ON 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 explanation
Consumer complaint received 2023-12-19
Company: LJ Ross Associates
State: WI
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:
On XX/XX/2023 I had a collection put on my account for XXXX dollars I didn't have a single doctor bill of that amount. In XXXX what they did was combine a bunch of small bills and made it XXXX bill so they can report it on my account. This is an unfair practice and i want it removed. Thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MT
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, It's already been paid the company agreed to removed/delete it. Please remove/delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}

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