BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: AZ
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:
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. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received the attached settlement letter from XXXX XXXX XXXX XXXX ( XXXX ). I owe nothing for 3 reasons. I never had possession, fraudulent loan, BUT at a minimum, if XXXX had done their job as a professional company, we would not be talking today. XXXX and Experian did not have permission to access my private credit report. See attached application / permission sent to me by XXXX as reason for accessing my credit report. It is incomplete and should have not been processed AS IT EVEN STATES AT THE TOP OF APPLICATION! It is incomplete and undated. Experian can waste my time and their time by punting this to XXXX who will deny deny deny. XXXX will not admit an error and would rather extort a settlement from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My ex wife has used my name, social security number and forged several documents, dating back from XXXX to present with your company for loan modifications. I sent you several documents advising I would never sign anything for the loan modification, yet your company did in fact accept the forged documents and modified the loan... now my ex-wife is in forcloser and she is/ has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$2300.00} ; 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 2023-08-08
Company: Experian Information Solutions Inc.
State: WA
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-04-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I logged into Chase bank online portal and I couldn't find my checking account. Upon calling the customer care, I was informed that my account has been deactivated and I can't access the account. I asked the customer care to confirm the reason for deactivation, and they could not provide any reason. Per customer care, my account has been in good standing but they don't know why my account was deactivated. I then asked them to close my account but customer care denied closure of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an account with wells fargo since 2005 at that time it was XXXX. 
I was never charge a fee until i saw a charge for {$150.00} in XXXX and i question it and was told it was an annual fee for the account maintenance. i told them i never pay a fee for this account and they say last year i was charge this fee also ( i must have miss it ). I ask them on several occasion to reimburse my money. 

XXXX the XXXX in a letter they say, ' Thank you for sharing your concerns and they will respond within 60 calendar days from the date we contacted them. 

In a letter i received, Dated XX/XX/XXXX, it say " the fee can be waived if the client 's household is linked to wells Fargo premier checking account '' I don't want any change to my account ; They change my account before without me asking or agreeing to it, not this one in question, my checking. 

Now they are saying on the phone they can't waive the fee. 
we went into the bank and call and talk to several representative.

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 2021-12-17
Company: Prosper Marketplace, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Due to Covid I was laid off and fell behind on a personal loan with Prosper in the amount of $ XXXX. I tried numerous times to work out an agreement with Prosper due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to XXXX XXXX XXXX. I worked out a settlement with XXXX for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with zero balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX  and spoke with XXXX XXXX XXXX. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. XXXX XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX Collection Agency.

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 2021-12-17
Company: JPMORGAN CHASE & CO.
State: CT
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

JPMCB CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello Sir, Today XX/XX/2023, I received the final resposne from Wise after complaining through your platform. Their response is similar to what they provided to me on XX/XX/2023. Today they just added some TOS. In their previous final response, they didn't mentioned I was a victim of a scam and I forwarded that complaint to XXXX XXXX amd XXXX XXXX didn't upheld the complaint due to wise lack of information which they provided now. But, XXXX XXXX has said to me now, they will not consider the same complaint. Wise again waisted my 1 month of time from XX/XX/2023 to XX/XX/2023. And previously they waisted my time from XXXX XX/XX/2023 to XXXX XX/XX/2023. And they didn't do anything or reveal where my money goes and how to recover it. Now, they are saying I am a victim of scam and now I can recover those money after 14 months? Here Wise shows professional negligence. 

Sir, I am a XXXX XXXX. I am XXXX XXXX and I can't do day-to-day work. I haven't been able to see doctors for due to lack of money which I lost on Wise platform. I have asked wise so many times from XX/XX/XXXX to recover or reverse my transections and asked them before moving my funds there on my Wise account. But, Wise didn't do anything to safegurd my money when XXXX XXXX is transferred to another Wise account name " XXXX ''. I didn't authorize those payments and my account logged in from a different country. I don't have this kinds of large funds transfer previously, which Wise should have detected. 

Sir, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sir, I will not be able to bear this pain anymore. If I knew this could happen to me, I would never-ever transfer my funds to Wise. Sir, I am an XXXX XXXX  and those were my only fund left which I have been looking to get reimbursed for the last 14 months!!! 

I have a XXXX XXXX and we don't have any health insurance or govt. helps which can support me to see a doctor. It was hard earned money of me. I am needy person and from XXXX XXXX XXXX. I really don't know how this happened. 

Sir, I with this XXXX XXXX  and XXXX and tension for my lost money, XXXX XXXX XXXX XXXX. I am unemployed. 

Wise attached a transection history where it shows my money goes to XXXX XXXX XXXX XXXX. I don't know anything about this. My money goes to another Wise account holder named " XXXX ''. I am not technically sound to understand this and I don't have any family member or support to discuss this. 

XXXX XXXX said they will not consider my complaint again. Sir, where I will now refer my Wise second final response to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Consider as a follow-up complaint

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 2021-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The three credit unions XXXX, Experian XXXX XXXX are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-06-13
Company: Self Financial Inc.
State: LA
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:
Have reached out to the CEO of Self Financial Lender multiple times about deleting a late payment from my report. The payment history is not accurate, as the account was paid in full and closed. Have not yet received a response from CEO nor can I reach a live representative

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: IL
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX. I tried to lift a security freeze temporarily with Experian. 

First I went to their website. They had a button for logging in to manage a security freeze. I did that. On their website, there is ABSOLUTELY NO way to manage a security freeze. They offer a " credit lock '' for money. 

Let me point out that I am a software engineer with an XXXX over XXXX and many years of experience in the industry. If I couldn't find a way to manage my freeze, it either doesn't exist, or it's been paywalled ( more than likely ). 

Then I tried to call. Three times. There's no option for managing freezes. All the options that sound promising ended in a hang-up. There was one way to speak to a person, but that also ended up in disconnecting the line. 

I believe this kind of behavior by a credit reporting agency might be 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2021-11-19
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE NO RECOLLECTION OF EVER USING THIS CREDIT SERVICE OR APPLING FOR ANYTHING WITH THEM.

Company response to consumer: Closed with explanation