BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I HAVE ADDRESS THATS ON MY CREDIT REPORT THATS DOES NOT BELONG TO 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 2023-04-22
Company: EQUIFAX, 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:
Please see attached documents. 

Per federal law of the FCRA 15 U.S. Code 1681 c-2 the account must be removed in 4 business days of receipt of this notice. 

Per federal law of the FCRA 15 U.S. Code 1681i and 15 U.S. Code 1681 s-2 I have a right to 100 % accuracy and privacy. This account can NOT be validated as accurate. It is NOT 100 % reporting accurately and must be removed. 

This account is not 100 % accurate and must be removed immediately ( see attached document outlining the inaccurate and inconsistent information ). 

This is not allowed to be violated or validated as accurate by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I attempted to make a deposit of {$800.00} at the Wells Fargo location at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

The ATM machine jammed while trying to make the deposit. I was never giving any type of receipt of any kind from the machine for proof of my deposit, other than a number. 

So I called and informed Wells Fargo of the issue. While speaking with them they told me it happens all the time and that my account should be credited next business day. They informed me that if I put in a claim it could take 10 business days to handle this vs just allowing it to be handled when the ATM is repaired. 

XX/XX/XXXX - Call into ATM Service center- informed that i shouldnt need to do anything and should receive funds back to my account. no claim was made The money never deposited and I called back in to create a claim on XX/XX/XXXX - Claim Opened # XXXX XXXX - Provisional Credit of {$800.00} added to XXXX XXXX Account XXXX - Claim denied # XXXX Claim Closed Reason : Our ATM Claims Department researched this matter and they found while a jam occurred with the ATM, no cash was found in the ATM, and the ATM was in balance. As such, the temporary credit was reversed from your account and the claim was closed. 

XX/XX/XXXX - Reversal applied to my account - {$800.00} In result I was charged for overdraft fees in the amount of {$72.00} XX/XX/XXXX - Expedited Claim open Went in branch to re-open clam Spoke to XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX XXXX - Clam Closed Case Number : XXXX Reason was the same when I received the information as to why the claim was denied. 

XX/XX/XXXX - Claim reopened with 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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2020-01-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to XXXX, XXXX, and Experian an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from 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 explanation
Consumer complaint received 2023-01-07
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX would grant my ownership of my account once issued the proper documents to do so. I've sent multiple negotiable instrument to tender payment none have been honored. Companys director of compliance XXXX XXXX personal insists that I pay CASH for my car note. Even after informing him the I was indeed the HOLDER IN DUE COURSE. An that It is evidence of my having a title of ownership by my receiving statements at my principal residence. Not wanting to hear me out ended the call. I issued a notice to rescission or assent on all promises to perform on this obligation.

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 2019-01-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report today and there was all the sudden, out of nowhere a collection account for this company, XXXX XXXX XXXX. I have no business with them and have never received any documentation for any account through them. This was never on my credit report before as an open valid account like other accounts I have, but all of a sudden they are claiming the account is delinquent and in collections. I want the account removed from my credit report as false information that was never validated. XXXX XXXX XXXX has hundreds of complaints from this company regarding false information being reported to the credit companies and this needs to be stopped/corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX Spending Account Ally Checking account open. 
with Ally Bank {$200.00} Checking Bonus ( XXXX ) XX/XX/XXXX Direct Deposit Future Amount : XXXX ~ Tran : XXXX {$1500.00} Latest date to receive the bonus payout past ( XX/XX/XXXX Was the last day to receive the bonus ) Tried to call/ chat with the bank associate for this matter. 

https : //www.ally.comXXXXXXXX This is the term and conditions Ally Bank is offering a {$200.00} checking bonus ( they call the account a Spending Account ) when you open a new checking account and get at least {$1500.00} in total direct deposits within 90 days.

Heres how to go about doing this bonus : Open your first Spending Account by XX/XX/XXXX. Use code XXXX. Make sure to fund your account within 30 days of opening it. 
Set up one or more direct deposits. Make sure they total at least {$1500.00} within 90 days. 
Youll get the {$200.00} bonus within 30 days of your account receiving {$1500.00} in qualified direct deposits.

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 2018-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: OH
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 am filing a complaint with Equifax and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Equifax. On XX/XX/ 2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to Equifax stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Equifax ignored my response and provided no reasonable method of verification on why they verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
All of this started in XX/XX/2022. I had a lot of fraudulent transactions on my statement, I filed a dispute claim with the dispute team at Chime online banking, I received a provisional credit which was reversed without reason. I have been going through this until now XXXX. I repeatedly asked them for a printout showing the transactions since then, but they closed my account completely in XX/XX/XXXX, then they sent me a printout on the XXXX. I was shocked, it showed all my money was gone and all the fraudulent transactions are on the printout. I tried calling company, l but since they disabled my online banking and my cards were not working since XXXX how could i transact any business. I got several conflicting emails from them wanting me to send them a selfie with my drivers license, todays date and phone number on a sheet of paper held under my chin. I did this a number of times, but they kept making me jump through hoops with different reps, never the same one. The crazy thing is I had people calling me saying that they were affiliated with chime, but when I asked the Chime representatives about it, they said they don't call customers. I sent them communication that i received from them, and them screen shots and forwarded them emails. I have been lied to so many times, and then i got the silent treatment for a few days and then they had the nerve to say after careful consideration the had to end our relationship. I am out of {$16000.00}, my printout show XXXX  deductions, XXXX XXXX in XXXX XXXX, XXXX XXXX XXXXXXXX etc. I really need a breakthrough in this madness, I am a XXXXXXXX XXXX  veteran, age XXXX yrs. I've filed a police report, ftc report, talked to my social worker, fbi report, nobody seems to be moving at all on my behalf. I even reached out to the local news media, but no response yet. I had to resort to borrowing money from family members to keep from being XXXX. Help me please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Investigation took more than 30 days

Complaint:
I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XX/XX/, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXX '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2020-04-01
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We closed our mortgage with Mid America Mortgage , Inc. ( Loan # XXXX ) on XX/XX/20 as we sold to another buyer. We had an escrow balance due for refund of {$3000.00} and still have not received as of XX/XX/20. Per CFPB rule 1024.34, b ( 1 ), the servicer SHALL return to the borrower any amounts remaining in the escrow account within 20 business days ( exlcuding Saturdays/Sundays/holidays ). Based on my pay-off date, 20 business days would be XX/XX/20. As of XX/XX/20 ( today ), it is the 45th business day and we still have not received the refund. I have called ( XXXX ) XXXX ( Mid America Mortgage Customer Service ) about 8 times to check on the status of my refund. I was initially told that a check is normally sent for escrow refunds, but there was a problem with the check servicing company. As a result, they said the refund would be sent via bank draft and at that time took my checking account information. I have spoken to a supervisor multiple times, emails have been sent back and forth between customer service and the escrow department, and nothing has been resolved. I am looking to resolve this matter as I know that I am not the only person that is having this issue as a customer service representative blatantly expressed that I was not the only customer experiencing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2022-04-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I asked for inquiries to be removed and Equifax responded by saying that they contacted the furnisher and results were mailed to me. I would like for the results to be sent via email or through the CFPB portal being that I submit documentation through this portal. I should not have to wait when results can be delivered now. This is a stall tactic. I have included my id for proof of identification. Please remove the 3 inquiries from my credit report. The complaint id to reference is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 got 67 inquiries need to be remove from 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 explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a security freeze on my account online. On their freeze site, Equifax states that " We can't complete your request at this time. Please call the Customer Care team XXXX ''. 

However, when calling I am routed through the automated identity verification, left on hold for ten minutes, then hung up on. This has occurred three times today. XX/XX/2020. 

I am concerned that someone may have access to my information and I am unable to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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:
Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 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 rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your 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 explanation