BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2013, I was illegally foreclosed on by Wells Fargo Home Mortgage. I had an FHA mortgage for loan XXXX and I had a letter stating that I was not responsible to pay any past due fees or interest related to the mortgage, however XXXX XXXX was listed as the substitute trustee deed and filed with the county. The procedures for a foreclosure were not followed. There was no Letter of Acceleration filed after 120 days late and then I had an FHA loan and I am very well aware of all the options I had to cure the supposed past due. After my home was foreclosed upon I was issued a check from an account that they found within Wells Fargos system that was for the first late they said I had. This is during the time that all the fake accounts were being open by Wells Fargo employees. XXXX XXXX is a " medical doctor '', an orthopedist, not a Wells Fargo employee that has been involved in numerous fraudulent criminal invasions on individuals who have no idea that his office was used as a means to gather information about indivduals. He has continued to conduct himself in an unlawful way using the money to pay for another mortgage that I clearly am the owner of. I would like Wells Fargo to cure this default. The mortgage was in my name and my deceased husbands. I am now the sole owner of a house that should have never been foreclosed on. He is well known to sell drugs out of his home.

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 2022-03-10
Company: EQUIFAX, 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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of account to be deleted. 
XXXX XXXX, XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: OH
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. 

Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX  Account # 's XXXX, XXXX These accounts have 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 : states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity thief they got my credit card information and used it when I found out i call the company and they still wanted me to pay the bills which I was because they were giving me a headache when I made most of the payment they closed the account I try my best to get the account open back they wouldnt so I asked why Im I paying for something I didnt use and the money kept going up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate 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 2018-10-05
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit file and discovered this company has reported that I owe them a debt. I have never received notification from this company prior to them placing this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Contacted by a man who said he was from XXXX Fraud & Theft division said my phone was hacked into & if I have mobile bank  apps to check the accounts. I checked everything at the time looked okay. I checked again later and a XXXX XXXX  transaction was made not by me to a person I dont know. I never ever made a XXXX transaction of any kind. I notified PNC bank, they told me to change my password & thell investigate. 2 days later I received a letter from PNC that an investigation was made and the transfer was valid therefore my dispute is declined. I looked up the person the money was XXXX to it was an XXXX American girl in XXXX, Florida. I do not know anyone in Florida and I did not make this transaction. I disputed the transaction again. Again i received the same response from PNC. Again I filed a disputed that I DO NOT know this person and did not make this transaction. Again PNC denied the dispute. They did not provide proof of the investigation that the transaction was valid. This is not acceptable so Im disputing again. I will not give up because {$990.00} was stolen from me which is a lot of money as Im SS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We are processing a VA loan for a new home through XXXX XXXX XXXX. My rep checked our credit score on XX/XX/2019 looking for the best rating and the best interest rate for our loan. Last XX/XX/XXXX got an email from XXXX giving me a " free '' look at my credit score. After giving them my information, CC, DOB, SS, etc. they charged my CC almost {$60.00} to give me my report. I contacted them on the following Monday and asked the rep to remove the charges from my CC. He refused and hung up on me. Two days later I get an email from a Creditor : XXXX telling me that my credit score is over a hundred points lower that the other bureaus. They reported this to Experian and they dropped my score over a hundred points lower. My complaint is to XXXX and XXXX. I have attached the reports that was sent from a loan application that I do not know where is came from. XXXX rep hung up the phone when I asked where they got their information. 

My credit score was XXXX before XXXX sent this out to Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2023 I tried to use a consumer credit transaction at XXXX XXXX XXXX XXXX. from the moment I entered the dealership I felt discriminated against. I gave them my name social security number and signature for a XXXX car. I was denied because of the amount of income I wrote on the application. they also told me they would not run my credit which they did as well with out giving me an adverse decision letter.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a dispute letter to Transunion for fraudulent inquires that appeared on my credit report. However, Transunion only removed 1 of the inquires. The rest are not authorized by me, and need to be removed off my credit report. 

I've attached the dispute letter and response I got from Transunion

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 2018-10-29
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending this ninth complaint towards Experian and XXXX. As, while the Experian have removed a fraudulent account. There were still XXXX more items that needed to be removed. And the XXXX XXXX have not removed anything at all. This time I am asking the CFPB to please supervise the removal process of these items below : EXPERIAN : XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, VA 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 2020-06-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card at Wells Fargo on XX/XX/XXXX. A week later I received a letter declining my application with a FICO score of XXXX out of 850, an almost perfect credit score. 

My application was denied due to my XXXX last name. If my last name was of a XXXX person, my application would have been immediately approved based on my credit profile. It makes absolutely no sense why my application was declined based on my almost perfect credit score and annual household income of $ XXXX. I was never contacted to substantiate my income or any of their concerns. 

After receiving the letter, thinking it was a mistake based on my over 20 years of immaculate credit history and an household income of $ XXXX, I contacted Wells Fargo to get more information. I was able to speak with their executive office representative and escalated my case. I offered to provide my tax returns and current pay stubs to substantiate my income and to mitigate any risk concerns the credit card analyst had. Additionally, I expressed my concerns that I was a victim of XXXX discrimination due to my last name. 

A week after speaking with the executive office, I received the same exact letter, almost verbatim from the previous letter which means no one in the executive office did anything. I am a victim of XXXX discrimination. I have a long established immaculate credit history with an almost perfect credit score. The only deviation is my last name. The analyst and manager that worked on my application are XXXX  and proper action needs to be taken.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act The following accounts : XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, Dept of ED/XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX, Dept Of EDXXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX and/or XXXX, XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, They all have all violated my rights under the following ; 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 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 2023-05-31
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by phone numerous times by said collection agency. I asked what it was in reference to and they said due to privacy they can not tell me. I asked for a statement in the mail describing charges and never received one. I called my insurance and they provided me a letter stating I have a XXXX balance. I contacted XXXX XXXX who also stated I have a XXXX balance. I have no idea who is requesting money or what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2021-10-18
Company: EQUIFAX, 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:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I'm shocked! What do I have to do right now?/

Company response to consumer: Closed with explanation