BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have mutiple diagnoses, which are documented by numerous work comp physicians.and the XXXX of Arizona and the Arizona XXXX XXXX. MY HUSBAND IS A PRACTICING XXXX. Also, sustained permanent LIFE XXXX injuries. I also have XXXX XXXX Court Police documents that are prove of attacks by drug dealers on the premises at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona. 
When I received a phone call from XXXX XXXX I was under the care of my physicans and was unable to proceed. I informed the mediator XXXX XXXX XXXX and XXXX XXXX on the document I POSESS IT CLEARLY STATES THAT I CAN SEND CORRESPONDENCE TO THEIR ATTENTION NOTING THE ABOVE NAMED CASE NUMBER AND WE WILL REOPEN THE FILE. MY HEALTH XXXX XXXX /XXXX  AND THE XXXX DID NOT ALLOW ME TO FOCUS ON WELLS FARGO FRAUULENT CASE. I WAS UNDER THE CARE OF XXXX XXXX XXXX FOR XXXX AND CONTEMPT ORDERS OF THE JUDGE AND DEFENDING ARIZONA CASE ATTORNEY. MY LIFE WAS MY PRIORITY! WELLS FARGO WAS NOT MY PRIORITY. MY HUSBAND WILL TESTIFY. 

WELLS FARGO XXXX  XXXX XXXX, OR XXXX IS RESPONSIBLE FOR THE ADDTIONAL XXXX  TO MY BRAIN AND BODY WAS RESPONSIBLE FOR ADDITIONAL XXXX TO MY ATTEMPTED XXXX CASE. MY PATIENT DIED IN THE ATTACK. I have a DIAGNOSIS OF XXXX. THE CONTINUAL ADDED STRESS FROM WELLS FARGO CAUSES ADDITIONAL DAMAGE TO MY BRAIN. 
PLEASE TAKE THIS IN ACCOUNT, BECAUSE XXXX XXXX WILL BE ACCOUNTABLE FOR ABANDOMENT AND DESERTION. NEW YORK STATED HE WAS THERE AT THE OFFICE AND NEVER RETURNED MY CALLS. HE HAS DISAPPEARED. 
WELLS FARGO HAS INCREASDED THE INJURIES I SUSTAINED IN BOTH LAW COURT CASES. IF THIS ABUSE CONTINUES I WILL SUPPLY MY COURT DOCUMENTS WITH SOMEONE WHO WILL SUPPORT THE CRIMINAL ACTIVITY USED AGAINST ME. 
THERE WAS A COURT ORDERED AWARD AND I WILL PURSUE REPORTING TO DISABILITY COURTS. 
THIS WILL BE THE LAST INJUSTICE THAT WELLS WILL DO TO ME. 
ALSO, I SUSTAINED INJURIES XXXX 2022.ON A CLINICAL SITE FROM A DISABLED MINOR. WELLS FARGO IS INCABLE OF RESOLVING MY DISPUTES CREATING MORE XXXX TO MY UNRESOLVED CASE OF 4 YEARS. I DO HAVE INCREASED BODILY INJURIES AND THE PI ATTORNEY IS TAKING MY CASE. 
DO I NEED TO REPORT WELLS FARGO ACTIVITY TO THIS PI ATTORNEY? 
I DID NOT NEED MORE STRESS FROM WELLS FARGO. SOMEDAY A LOVED ONE MAY NEED MEDICAL CARE... .REMEMBER YOUR INVOLMENT IN MY CASE.

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 2022-10-24
Company: EQUIFAX, INC.
State: AZ
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:
Equifax is reporting a collection account that was supposed to be removed several years ago. I have requested a letter from the furnisher validating the debt. No response. I send the furnisher collection company copy of my insurance card no response. I sent Equifax credit reporting agency the letters and requested for them to remove the information they have refused. I also send the credit bureau that as of XX/XX/2022 any medical deragatory to include collections should be removed they refused. I respectfully request this entry is removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Always be in my attention that I would like you to remove this inaccurate account as required by law 605b of the FCRA. Consequently, I am submitting this formal CFPB Complaint to establish a legal recourse which is reporting inaccurately due to identity theft, I will be left with no choice but to escalate the matter to my attorney and initiate legal action against the Credit Bureau. I trust you understand my intentions here and will comply with the law by removing the account below, which is fraudulent and was opened without my knowledge or consent : US DEPT ED XXXX Balance Owed : {$39000.00}. Remove this account as soon as possible.

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 2021-05-26
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:
EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER. I HAD MY ACCOUNT BREACHED DURING THE EQUIFAX BREACH AND THIS ALLEGED DEBT IS ON MY CREDIT REPORT/FILE. THEY NOT ONLY ALLOW THIS IDENTITY THEFT ON MY CREDIT REPORT. 


This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am Hurt to find out that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated.

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

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following account is not mine. 
XXXX XXXX XXXX Account XXXX XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the bank of America on XXXX, XX/XX/XXXX XXXX and XXXX cash were stolen from the bank counter one after another, with a total of XXXX cash. The bank refused to provide any information that was stolen. I have called the police. The bank has delayed the time until today. I have made several calls and were refused the stolen information and refused to make a claim. I complained to many departments but no response.

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 2023-08-28
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX violated my rights. Account opened XX/XX/2020, {$21000.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2023-07-27
Company: LEXISNEXIS
State: IL
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 have bankruptcy on my credit i mean XXXX XXXX and XXXX XXXX XXXX XXXX status - Discharged Date reporterd XXXX Reference # XXXX Closin Date XXXX by Court U.S Bankrupcy Court Pleas remove me Thank you XXXX XXXX My addres is XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Thank you again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
CREDIT COLL Original creditor : XXXX XXXX  {$0.00} NO BALANCE!!!

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 2023-10-17
Company: Shellpoint Partners, LLC
State: PA
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: Was not notified of investigation status or results

Complaint:
About 10 months ago Shellpoint did not pay all my taxes.I disputed it with them and they finally agreed they were wrong.I lost XXXX XXXX  on my credit score because of their ineptitude.In XXXX my tax collector sent me a notice that taxes werent paid, i contacted Shellpoint and they said they dont have to pay that portion of my taxes.That is totally wrong on their part, they must pay all taxes on my mortgage.This is the second time they have been wrong and i loost another XXXXXXXX XXXX  on my credit report and if they dont pay the taxes by XX/XX/XXXX i will be delinquent..I want them to fix this once and for all. 
The XXXX XXXX loss is due to Shellpoint saying i was in conflict with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. XXXX continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to XXXX 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: Duvera Billing Services, LLC
State: MI
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:
The name of the company is called XXXX XXXX XXXX however they show up on my XXXX and XXXX report as DUVERA BILLING SERVICES. THEY ARE REPORTING ON BOTH MY XXXX AND XXXX THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them XXXX XXXX monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
As I were trying to apply for a home, I noticed damaging information on my credit report with fraudulent accounts. I have sent numerous letters and called numerous times to have these accounts removed. I even filed TWO FTC reports, and No one has helped me. They told me to contact the creditors and each time I did, I was told to call the credit bureaus. According to 15 U.S.C 1681, there should be no damaging information. It is a defamation of character and It is affecting my ability to do anything. This is affecting my life really badly and I Need this removed Immediately!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt was deleted off my credit file and has been reinstated today showing on my file i have proven time again its not my debt my information was fraudulent used i have written, disputed, filed reports and notified the collector and credit bureaus. This item needs to be off my file and with new laws not reporting medical debt on those grounds it should not be on my report. This is violation to my rights.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: NV
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'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, permission, or authority within four business days of receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement from the consumer stating that the information does not relate to any transactions by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3.00} ; 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 2022-12-28
Company: EQUIFAX, INC.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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:
Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Learn more about your major rights under the FCRA. 

CLEARLY STATES IN THE WEBSITE THAT FCRA PROMOTES ACCURACY, FAIRNESS AND PRIVACY OF INFORMATION IN THE FILES OF CONSUMER REPORTING AGENCIES!! IF YOU CHECK MY CREDIT REPORT THERES NOTHING ACCURATE ABOUT IT!! DATES ARE INCONSISTENT, AMOUNTS ARE INCONSISTENT ..THEY HAVE BEEN RESPONDING THAT ITS ACCURATE IM WONDERING WHAT ARE THEY INVESTIGATING, ITS NOT MY REPORT BECAUSE MINES IS FULL OF ERRORS!! AND IVE PROVIDED EVIDENCE .... PLEASE LOOK MY REPORT AND DECIDED WHAT YOU SEE!! IM TIRED OF GOING BACK AND FORTH AND NOTHING GETS DONE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit report lists a delinquent account past due. 
This delinquent account is mentioned by the debt collection company -- I C SYSTEMS COLLECTIONS For the entity -- XXXX XXXX Its address listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family Address ID : XXXX Report number : XXXX XX/XX/2019 Amount XXXX Account number XXXX I, XXXX XXXX, have never procured anything from XXXX XXXX. I have never ever lived in state of XXXX never lived at the above address. 
I have tried to contact the XXXX credit reporting companies as to why they report this on my Credit Report and have not received any answer from the XXXX companies, XXXX XXXX XXXX XXXX XXXX I tried contacting the I C SYSTEMS COLLECTIONS and did not get any response. 
Can you please help me sort this issue from my credit report. This has impacted my credit score and my financial history negatively. 
Thanks 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