BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While in XXXX XXXXXXXX XXXX from XXXX to XXXX, I had my XXXX, drivers license and Wells Fargo debit card stolen. I believe they stole my XXXX  while it was unlocked as they were able to access online banking, XXXXXXXX XXXX XXXXXXXX and other applications in order to make several fraudulent charges. 
Once they had access to this information, they were also able to disable my find my XXXX, change my XXXX ID information which prevented me from remotely locating or accessing any of the information stored on the phone. I immediately contacted Wells Fargo and XXXX to report the cell phone stolen and to cancel my debit card. 
A week later on XXXX, I received a phone call from XXXXXXXX XXXX XXXX support in regards to suspicious activity. However, I do not own or have never inquired about opening an XXXXXXXX XXXX XXXX. I was informed that an XXXXXXXX XXXX XXXX had been opened in my name, however by filing the necessary paperwork I was able to get this Account closed. 

Wells Fargo continues to reject my additional information and claims around the fraudulent charges. Claim XXXX was opened and then disputed to the full amount of {$3300.00} as these transfers were made to an XXXX XXXX account that I have no access to. Claim XXXX was also opened and then disputed to the full amount of {$200.00} as this transfer was made to an XXXX XXXX account that I have no access to. 

Wells Fargo Credit Card Claim XXXX for XXXX Cash Advances and a total of {$2400.00}. Their rejection is now resulting in additional interest charges to my Credit Card account.

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 2023-08-29
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:
My credit report is still showing late payment on XXXX XXXX XXXX XXXX XXXX despite the multiple letters I sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-08-29
Company: EQUIFAX, INC.
State: MA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2023-01-21
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 is missing that should be on the report

Complaint:
XXXX has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. XXXX is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion, After carefully reviewing my credit report, I cant understand why all of this unauthorized inquires & account that are reporting on my credit report. Please remove all and delete. 

1. Inquires : XXXX XXXX XXXX  : DATE : XX/XX/2023 Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX : XXXX Delete inaccurate inquiry which I didnt give permission. 
XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 


2. Account : XXXX XXXX # XXXX - Delete inaccurate information which is not my account. 
XXXX XXXXXXXX # XXXX Delete inaccurate inquiry which I didnt give permission. 

XXXX XXXX XXXX XXXX XXXX Delete inaccurate inquiry which I didnt give permission.

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 2023-08-29
Company: EQUIFAX, INC.
State: MO
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 want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XXXX, at XXXX. Upon receiving my 1st statement, PMI was included at {$530.00} a month. I did a modification, and the loan has been sold 7 times, my balance is now XXXX. I am paying {$900.00} a month in PMI. I have been trying for years to have the PMI removed. My payment is almost XXXX a month. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX  XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
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:
MY PERSONAL INFORMATION WAS INVOLVED IN IDENTITY THEFT AND AS A RESULT INQUIRIES WAS MADE WITHOUT MY KNOWLEDGE. 
INVESTIGATE OR DELETE THOSE FRAUDULENT INQUIRIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for 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

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 2020-09-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinace with my current lender, Pennymac Loan services on XX/XX/XXXX. After a simple process my loan was locked around XX/XX/XXXX. Since XX/XX/XXXX I have been stuck in a constant game with Pennymac with little to no response. First they said I was in a flood zone, I proved I wasn't in a flood zone and solved the issue. In XXXX they told me no documents were remaining and I'd have a closing date within a few business days. I was unable to reach anyone at Pennymac for over 6 weeks after this communication. Only when I threatened legal action did I get a return call when they brought up the flood issue again. I solved the flood issue again. They assured me no other documents were needed and I would soon close within days. They asked me for ANOTHER hard credit pull because my previous one expired and I allowed it with the caveat that they would expedite my loan closing. Soonafter, they made up an issue that my home insurance needed to be for the full amount of my mortgage instead of the structure replacement cost in conflict with Dodd-Frank legislation. This further delayed the loan. I demanded to rescind my application and they once again made promises a closing date would be issued in the next 3 business days. No closing date arrived and my credit window is closing yet again to discuss this with other lenders. 
Pennymac has operated with malice and bad faith to lie about issues with my refinancing and I believe they had no intent to ever close the refi, they simply wanted to " run out the clock '' on my credit window so I wouldn't go with other lenders. I will be seeking legal action if they do not honor their communication to close. I have emails and phone recordings to prove all of these statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Have received calls nearly every day for more than a year from Portfolio Recovery regarding a debt from more than 17 years ago that I am no longer responsible for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX I have a Capital one credit card that has over XXXX worth of fraud unauthorized charges on it, I reported it to Capital One I haven't used the card in quite sometime I was making payments on it and the balance was never going down and then I had a fraud incident with something else which made me go looking at all my stuff, I seen over XXXX worth of charges on my credit card I didn't have the card in my possession I let Capital One know I didn't have it, they shut it down and they issued me a new number but not a new card, Then I get a letter a day later on the portal stating my investigation was complete they only took off XXXX of the over XXXX worth of charges. I am NOT paying for charges I did not make, this company has a zero fraud liability but wants to tell me they are having a hard time investigating these charges that is not my problem. These charges were not made by me and I am not paying for charges I did not authorize. And on top of that they are reporting this as late on my credit reports. Can you please help with this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Issue : on or around the week of XXXX I tried several days trying to get into my own personal account to view my data in theworknumber.com. the worknumber.com is sub-company of equifax. However, No one could reset my account in order to allow me to view my personal information. I tried working with customer support for at least 2 days, The woknumber representatives, tried making me repeat the same steps over and over in different web browsers, clearing my cache, etc. with no luck. Then, they said that the issue is within my company, the XXXX XXXX XXXX part of the department of Agriculture ( USDA XXXX ). However, I explained to them that I had already contacted my Human resources department of NFC-USDA and the issue is definitely at the worknumber.com since NFC-USDA doesn't handled the resetting or the accessing of my account within theworknumber.com. At the end, I told them that my goal is to be able to access my personnal data and not a printed report. at that time, I submitted a complaint over the phone with theworknumber.com since there is no one at either Equifax or the worknumber.com that can reset my user-id. Now on XXXX, after waiting for more than 30 days decided to file the complain with CFPB since I have not hear any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: CL Holdings LLC
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:
Hi, Jefferson Capital Systems , LLC- has violated my rights. They have place a debt of {$350.00} collection notice on my credit report which is hurting my consumer credit report. I have requested from them via phone and certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They never responded. Jefferson Capital Systems , LLC can not provide proof that I owe this debt of {$350.00} and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. In accordance with the Fair Credit Reporting act Jefferson Capital Systems , LLC violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Jefferson Capital Systems , LLC as 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 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. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: OH
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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