BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2023-05-05
Company: Credit Control, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX  I terminated my internet connection with XXXX XXXX. I had been a customer for many years and never been late one time on monthly fees. At termination of service, XXXX sent me a box to return the equipment via XXXX. The equipment was promptly packaged and returned as instructed. I absolutely had no need for the equipment and was glad to get it out of my way. In XXXX of XXXX  XXXX billed me for the equipment. Prior to packing the equipment, I took a picture of the shipping label. I provided that information to XXXX. I assumed that met their requirements. A few months later I was contacted by a debt collection agency. I provided the same information and they continued to insist I owed this debt. After a few more months a second collection agency contacted me and in addition to asking me to pay for the returned equipment they stated I did not pay a monthly service fee. Again, I provided the information and this time provided proof that the monthly service fee was paid. Now I have been contacted by a third collection agency and again I have provided the shipping information. It is not my fault that this happened during the XXXX lockdown timeframe. I am very frustrated by this whole process. In addition, doing a quick XXXX search shows this seems to be a common business process.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Consumer Financial Protection Bureau ( CFPB ) Step 1 : What is this complaint about? 
Step 2 : What type of problem are you having?

Step 3 : What happened?

Step 4 : What company is this complaint about?

Step 5 : Who are the people involved? 

1-Balance Discrepancy : Suspicious Activity/Tampering 2-The amount of {$20.00} has appeared as overage and {$40.00} disappeared as shortage on my account, without explanation and no resolution ( never shows on statements, just through the automated system ). 
3-On XX/XX/XXXX, I noticed and reported a {$20.00} overage on my account and did a requested follow-up on XX/XX/XXXX. The representative informed me to look for an Original Bank Entry ( OBE ) on my statement if the bank found its error ( problem not corrected ). On XX/XX/XXXX, I noticed and reported a {$40.00} shortage on my account ( The original {$20.00} overage plus a recent {$40.00} shortage. Note : I never counted the {$20.00} overage as part of my balance ). My case was forwarded to the executive branch ( XXXX ) on XX/XX/XXXX, according to XXXX XXXX ( case # XXXX ). I missed the executive branch call on XX/XX/XXXX ( voice message left XXXX ). 
4-Wells Fargo 5-On XX/XX/XXXX, I spoke with XXXX XXXX ( XXXX Virginia   XXXX ), XXXX XXXX ( XXXX Customer Care XXXX ). 
Message : This issue is very troubling given Wells Fargos criminal history of wrong dealings and its recent {$1.00} XXXX fined by XXXX : https : XXXX. I feel my money is not safe with Wells Fargo and that they could care less about the matter.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NC
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 2023-09-27
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: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-07-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
WHERE THAT WELLS FARGO IS OUTRIGHT DISCRIMINATING AGAINST ME AS A CREDIT APPLICANT FOR MY NATIONAL ORIGIN, MY LAST NAME IMPLIES XXXX DECENT, XXXX AS A FEMALE, AND AGE, AS I AM XXXX YEARS OLD, IN REPORTING A VIOLATION OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT AGAINST WELLS FARGO AS THEIR BASIS. 

ON XX/XX/XXXX, I APPLIED FOR A WELLS FARGO VISA CREDIT CARD. WELLS FARGO ACKNOWLEDGED MY APPLICATION AND DENIED MY APPLICATION BY MAKING FALSE STATEMENTS WHICH VIOLATES MY GOOD FAITH OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT. 

A ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I HAVE TOO MANY RECENTLY OPENED ACCOUNTS, WHERE I ONLY HAVE A : 1 ) HOME MORTGAGE ACCOUNT WITH XXXX XXXX  THAT IS SERVICED BY XXXX XXXX XXXX, UNDER MORTGAGE LOAN ACCOUNT ENDING WITH # XXXX, SINCE XXXX. TWO INQUIRIES FOR HOME MORTGAGE. 

2 ) XXXX XXXX CARD WITH XXXX XXXX XXXX  CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX. 

3 ) XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX. 

B ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I HAVE NO BANK CARD HISTORY. WHERE THEY LOOK FOR HISTORY THAT SHOWS HOW I MANAGED CREDIT OVER TIME. 

1 ) I HAVE XXXX BANK CARDS HISTORY WITH XXXX XXXXS XXXX CREDIT CARDS. XXXX XXXX CARD WITH XXXX XXXX XXXX CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX BALANCE ZERO AND XXXX XXXX CARD WITH XXXX XXXX XXXX  CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX, BALANCE XXXX. 

C ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I DO NOT HAVE ENOUGH ACCOUNTS PAID AS AGREED ON MY CREDIT FILE AS THEY LOOK FOR A HISTORY OF ON-TIME PAYMENTS. I HAVE XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX, AND XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX FOR HISTORY ACCOUNTS PAID AS AGREED. 

D ) WELLS FARGO REPORTED MISLEADING STATEMENT AS AN ACCOUNT WAS OPENED TOO RECENTLY AS THEY LOOK HOW MUCH XXXX XXXXXXXX IS TAKING ON. 

1 ) HOME MORTGAGE ACCOUNT WITH XXXX XXXX THAT IS SERVICED BY XXXX XXXX   XXXX, UNDER MORTGAGE LOAN ACCOUNT ENDING WITH # XXXX, SINCE XXXX. 

E ) WELLS FARGO REPORTED ONLY ONE TRUE STATEMENT THAT I HAVE A CREDIT SCORE OF XXXX ON XX/XX/XXXX. 

1 ) A CREDIT SCORE OF XXXX IS ONLY ACHIEVED WHEN A CONSUMER WHERE THEIR CREDIT HISTORY OF PAID AS AGREED ACCOUNTS, MORTGAGE ACCOUNTS, LOW BALANCES, LENGTH OF CREDIT HISTORY, ETC. 

IN CONCLUSION, IS WHERE THAT WELLS FARGO IS OUTRIGHT DISCRIMINATING AGAINST ME AS A CREDIT APPLICANT FOR MY NATIONAL ORIGIN, MY LAST NAME IMPLIES ITALIAN DECENT, XXXX AS A FEMALE, AND AGE, AS I AM XXXX YEARS OLD, IN REPORTING A VIOLATION OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT AGAINST WELLS FARGO AS THEIR BASIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NM
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:
The account reported by XXXX XXXX XXXX, for the amount of {$290.00} being a medical collection came back as being verified as belonging to myself. There is no provider evidence that this account belongs to me therefore should not be reported on my credit report. XXXX has already deleted the account from my report due to unverified information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Good afternoon, I have been disputing the errors in my credit report to Experian for XXXX months and they do not carry out any investigation. I have asked them for proof of the investigations that they supposedly carry out and they do not give me an answer or evidence, they only say that my report is correct, which is not the case. violating the laws and they harming me without respecting the law

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 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account Name : XXXX XXXX Account Number : 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 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 of 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 explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX I had lost my job. I immediately reached out to my mortgage lender Wells Fargo to explain the situation and protect my loan. They told me we could work together to fix the problem. Forgo payments and go into forbearance and we will just do a home loan revision. I found a job a week later. I called to make the arrangements and change my mortgage... They told me I was being foreclosed on so too bad. They wouldn't let me make a payment or fix anything and said that it was too late. My family became homeless with nowhere to go. I tried talking to a lawyer at the time but received no help. We have never came back from losing our home. We recently received a cashier 's check from Wells Fargo for {$200.00} dollars explaining they found errors when our home was considered for payment assistance options.

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 2022-11-18
Company: Experian Information Solutions 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:
checking my file a lot of information is invalid. I am disputing all incorrect information from my credit report with Experian. to correct my file all items needs to be removed.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: WA
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 am trying to resolve an issue that has been ongoing for years. 
There are XXXX XXXX XXXX secured credit accounts that have been appearing on all 3 of my credit reports for years now. I reached out to XXXX  many times without getting anywhere. 
Ive never had any secured cards with XXXX. 
Every time I call the numbers provided I get a different answer with no resolution to the problem. 
Its been so frustrating. I can not even speak to a live representative half the time without having a card number, I do not have a card number so I just get stuck talking to an automotive system for hours sometimes. 

The representatives are over seas. So when you do finally get ahold of someone, they do not understand your problem or they transfer you back to the main menu before youre able to explain how you just were there Any time Im lucky, I get the representative live on the phone, they say they are unable to find any secured card with my information. 
I explain theres something there because its effecting my credit score in a very negative way and its on my credit report, one of the account say they were open XX/XX/XXXX And the other says it was opened XX/XX/XXXX. Thats the only information provided other than its XXXX XXXX  and its for two secured credit cards. 
Please help get this off my report. Its haunting it for years. No one seems to understand that on their end. 

When the representatives said they couldnt see anything or provide info I feel so helpless. 
I need these two accounts taken off of my credit reports, Please. 
Ive been fighting XXXX XXXX for many years now. Its preventing me from making life purchases. 
One account says {$99.00} and the other says {$98.00}. Such tiny amounts. Why are they on my credit profile. 
Delete delete delete!

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 2023-09-09
Company: Experian Information Solutions Inc.
State: TN
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:
If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. 


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