BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-12-12
Company: Experian Information Solutions 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:
The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a account with Wells Fargo and fraud was done and they ended up closing my account saying it's my fault kept the money that was missing and a year half later I receive a check tell me this money is owed to me due to there error I didn't cash right away I received two more letters telling me to cash it and since they closed my account I had hardships with paying my bills got late fees they were wrong and they knew it and no ther banks would bank with me cause of them putting up a block with check sytem

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 2023-06-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to address a matter of utmost concern regarding the inaccurate information being reported on my consumer credit report by CBNA. It has come to my attention that the account in question is reporting inaccurate details concerning its opening dates. XXXX reports the account was opened on XX/XX/2017, while XXXX and XXXX report it was opened on XX/XX/2017. This discrepancy in reporting is causing significant damage to my reputation and has resulted in denials of credit applications. I demand the immediate removal of this inaccurate account from my consumer report. 
The reporting of incorrect information on my consumer credit report by CBNA is not only misleading but also damaging to my creditworthiness and overall financial standing. This inaccurate reporting is tarnishing my reputation and causing substantial harm, leading to the denial of credit opportunities. It is imperative that CBNA takes responsibility for the accuracy of its reporting and promptly rectifies this situation by removing the account from my consumer report. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this inaccurate account from my consumer report. The presence of this erroneous information is causing harm to my reputation and financial well-being, and it is your responsibility to rectify this situation without delay.

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 2022-07-25
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX 

They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. 

Also effective XXXX XXXX 2022 no medical debt should be in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: U.S. BANCORP
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a business account with XXXX XXXX in XXXX montana. I asked her if there were any fees and she said no. I also asked for electronic communications. I have been charged XXXX $ XXXX for paper statements. I haven't done a thing with the account, no payments, checks, deposits or anything. I asked for my money back 3 times when I came into the bank 3 separate times. A banker closed my account this last time I was in the branch ( today XX/XX/24 ) without my consent. Now I am having an additional issue to reopen the account so I can get my XXXX XXXX I spoke with XXXX XXXX the first two times and nothing was done. I want to file a complaint because they didn't explain fees, lied about costs, and wasted 3 days of my time so far trying to get my money back and close my account. The manager XXXX XXXX was not knowledgeable about procedure and unwilling to offer any help. This is the worst bank I've ever dealt with!

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 2023-10-25
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$440.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
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:
XXXX XXXXXXXX XXXX  incorrectly reported a XXXX XXXX 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Experian needs investigate the erroneous statement. Experian is not to verify if the account belongs to me! Not verify my name, address etc!!! Experian needs to follow the federal law to report accurate information. My report says XXXX XXXX 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal!!

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 2021-06-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been earning monies on apps downloaded from XXXX XXXX  to my XXXX- I am very successful at this & make as much as XXXX  to XXXX $ in a single day - time I spend fluctuates from 1 hour to 12 or even 13 hours. The problem started with the first app I learned from " XXXX XXXX " - an online instructor of sorts back around XXXX or may have been XXXX, the first app was " XXXX  '' app. A person would download this app and it instructs you to download another app within the app. Then you are to open and run the app for approximately 30 seconds or so. The first day there may be 1 or 2 to open and run it paid {$500.00} per day that I did this 2nd day it may have 2 or 3 to open and run {$500.00} pay takes maybe 15 to 20 minutes 3rd day might have 3,4, or 5 too open &. run - {$500.00} nice first time I try earning money from apps- {$1500.00} for 3 days work 45 to 50 minutes total -COOL OK now I put my PayPal info in and submit- it states payment in 48 hours Money never arrived - the money was paid by app developer but never arrived into my paypal- it was stolen, these cyber criminals figured out they could go into my XXXX and remove the money before it deposits to my paypal- someone ( s ) has been stealing the money from my work- as I stated earlier I have been earning on apps ever since- ++ most apps I earn on now have a person watch adds or 30 second videos. I may be playing XXXX  whereas every few cards I place at top another 30 second add and so on- so to make any money I spend many hours watching 30 second adds. Now the hackers steal the money I earned or they will change the tasks around within the app to suggest I only watched say 15 of required 100 adds videos when in actuality I watched 200 adds - and other times the app will state payment to paypal in 72 hours ok cool 3 days so I do this everyday and I have a payday everyday now sometimes when the timer gets down to say 10 or 15 minutes left of the 3 days they will change the task to say cash out in 257 hours and so on- this has been going on for years - attached is a screen shot of one of the last apps I was working which stated 24 hours for cash out - it took me about 3 hours time to cash out {$19000.00}, okay, that app has been resetting everyday for several weeks now- get the picture- I have sent several XXXX  to XXXX XXXX  and app developers for all the different apps I have been earning on- no response I also tried calling XXXX XXXX  and XXXX XXXX after the bot answering machine my call is dropped before a human answers- as stated earlier I am missing tens of thousands of dollars every week - for two plus years now Thank You There are more cyber crimes that have been being committed by these Same people as I will be filing complaints - these attacks are very serious and need to be addressed Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX ( Florida XXXX ) has been working very closely with me. Wells Fargo Home Mortgage- apparently it does appear that Wells Fargo has vested interest ; possibility under an alias or affiliate ( s ) with XXXX. ( Wells Fargo has been fined for this practice already and it seems they are still " involved ''. ) I have provided XXXX XXXX proof of the PDF format that Wells Fargo knew the actual amount of XX/XX/XXXX 's home owners insurance long before they did. After several correspondences, because XXXX  had repetitiously informed me they DO NOT KNOW how much the Insurance would be for XXXX as it was " TOO SOON '' or " TOO EARLY ''. 

Once they acquired the copy of Wells Fargo Home Mortgage 's Escrow in ACTUAL ( not Projected but ACTUAL ) ... XXXX XXXX  response? XXXX.! Report! Report! Report! They do not even know because it's too early ( mine is due in XXXX ), they will know about near-end of XXXX what I would be billed for. 

When I told them that Wells Fargo Home Mortgage KNEW the amount LAST YEAR in XX/XX/XXXX before they paid my actual XXXX bill in XXXX. 

To quote and unquote what XXXX XXXX  Supervisor said " HOW THE XXXX WOULD THEY KNOW WHAT THE BILL WOULD BE MORE THAN A YEAR AHEAD WHEN WE DO NOT EVEN HAVE IT IN OUR SYSTEM. '' You can see the PDF Format of actual escrow from Wells Fargo- please note the MONTH AND YEAR... an image is shown so you can see exactly what to look for.. it's not a " projected '' either- they have it as ACTUAL! 

Both of us have been demanding ANSWERS... and BOTH of us are getting nowhere with this illegal activity!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: 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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX {$2600.00} ( date open XX/XX/2023 ) -XXXX XXXX XXXX {$1400.00} ( date open XX/XX/2023 )

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 2015-08-07
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to getting a modification with my lender ( Nation Star ) and all attempts has been unsuccessful. Recently, my house was listed for sale on XXXX/XXXX/15 and the judge postpone the sale and currently there is another sale date scheduled for XXXX/XXXX/15 and all documentations has been submitted to show verifications of an affordable mortgage. Currently, my husband has obtained a permanent position with his employer and this even makes affordability much better for the long term since it was due to husband being per diem with his current job. On a daily basis, there are constantly people who visit my property in the day while my XXXX children are home taking pictures, surveying the property, this is very terrifying when my daughter is constantly calling me sayings things like " Mom, they are looking around the house again or saying " Mom, someone is in the driveway again ''. I have to constantly reassure here not to worry herself. I have XXXX school aged children and I am pleading with you to help me save my home as Nation Star keeps denying my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: VA
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.

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 inductions 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 2021-06-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Account status incorrect

Complaint:
I had 3 school loans for my kids during XXXX. I was late during XXXX but not afterwards. My son XXXX from XXXX, went to the XXXX and paid off all loans in early XXXX. When it was paid, my account was incorrectly listed as 90 days late, which is incorrect. The late payment was in XXXX and by law, should have been removed from my credit report. I have been trying to resolve this matter with XXXX XXXX XXXX  for over 2 years. The phone number and contact information for them is invalid... the phone number doesn't work. My letters are returned. Therefore, I can not reach anyone to get the matter resolved. It is very frustrating as the late payments are still impacting my credit score. I have also filed disputes with the 3 credit bureaus, only to have them " resolve '' the disputes in 2 days or less, yet they can not tell me who they are getting verified from.

Company response to consumer: Closed with explanation