BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: ALLY FINANCIAL INC.
State: AZ
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:
On XX/XX/, a purchase that I was unaware of and did not make appeared on my Ollo statement for {$180.00}. I did not make this purchase as I have not used this credit card in almost a year. This is the second time I have been frauded on this particular credit card. I contacted Ollo card on XX/XX/ and disputed this charge as fraud. The amount was placed on hold while they investigated this fraudulent charge. The company requested I complete paper forms to dispute this charge. I mailed back one letter on XX/XX/ and the other letter XX/XX/XXXX  both certified to make sure Ollo received the letters. Both letters asked the exact same questions, but I responded to both of them and tracked the certified letters to make sure the company received the required forms. At this time Ollo was transitioning to Ally. I got the feeling that these correspondences would be lost in this transition. 

On XX/XX/XXXX  I received another letter stating that based on their investigation this was a legitimate purchase and that I was still liable to pay for this unauthorized purchase. On XX/XX/XXXX  I called Ally and talked to XXXX at Ally card services disputing this charge as fraud once again. The amount was placed on hold on XX/XX/XXXX  while they conducted their investigation. The fact that this is the second time this particular credit card has been frauded leaves me to believe this is internal fraud. On XX/XX/XXXX  I received a letter once again stating that the company did not believe the purchase was fraudulent and that if I did not pay it they would report the purchase to all three credit agencies and turn me over to collections. 

By the time I returned home from my job the bill was already due on XX/XX/. I paid for this fraudulent charge on XX/XX/XXXX  not wanting this unauthorized purchase to affect my credit and having no other recourse than Consumer Financial Protection Agency. I plan to close out all of my accounts with this company this week since they have coerced me into paying for a fraudulent purchase I did not make. I have never heard of a credit card company forcing a customer to pay for an unauthorized purchase. 

Please assist me in any way possible to recoup the {$180.00}. This company needs to be investigated for fraud.

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 2022-07-11
Company: EQUIFAX, INC.
State: DE
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 XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CT
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 checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX. account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the evening of XX/XX/XXXX I was notified by phone by a Wells Fargo employee that there was some suspicious activity on my account. And he was right. There were ten unauthorized transactions totaling {$2300.00} + a pc transfer of {$1000.00}. So I was ripped off for a total of {$3300.00}. What's even more crazy is right after my first card ending in XXXX was shut off, there was more stolen. And it was from a card ending in XXXX that I haven't even received or requested yet. Also the hackers were doing withdrawals from XXXX and I'm in XXXX XXXX. I've never been to Florida in my life. But now Wells Fargo said they can't reverse the {$1000.00} pc transfer and I still haven't received my reimbursement for the ten unauthorized ATM withdrawals yet either. I've been hacked 3 times in 2023 and I've had it with Wells Fargo! Especially after this 3rd time because their putting me through so much bs trying to get my money back. I don't need this stress I just want my {$3300.00} back asap and their " customer service '' has been soooo frustrating! Anyway, if u can, please assist me anyway possible concerning my problem. Thank You.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: NC
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 am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to Experian, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. 
Please Assist me in this matter

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 2020-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. XXXX has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting XXXX to remove the past due derogatory flag from my credit report from all three agencies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via 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 2023-01-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
there is an alleged medical collection on my report that is less than {$500.00}. under your company anything less than {$500.00} can not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I transfered XXXX from my XXXX business account to my bank of america account. I then drove to the store which is approximately 1 mile away I got gas and some snacks and stuff it came up to about XXXX  dollars I used my bank of america debit card to pay when I swiped the card it declined I said that's not possible so I tried again same results so I opened the bank of america app and seen a pending transaction for XXXX XXXX dollars from XXXX XXXX. I then transfered the amount needed just to pay for my stuff when I get home I call the bank and explain what had just taking place I filed a dispute they said they would reimburse my money during the dispute process a couple days later I received a phone call from the bank saying they were closing my account I asked why they never gave me a reason they never even told me what was going on with my {$400.00} on this paper the dispute paper that I received in the mail well I dispute of the transaction for {$400.00} at the top they have XXXX I don't know why they have that I was disputing the XXXX transaction that I did not authorize so it's been around three and a half months I keep getting statements in the mail then they call me and tell me that on XX/XX/XXXX they're going to close my account fully out and send me a check for my remaining balance when they told me they were closing my account I switched my direct deposits and everything to another account I never received the check from my money for the {$400.00} I don't even know where the money went I don't know who took the money besides XXXX and so I work hard for my money and I just asking for these people give me my money back you can go and look on the IP addresses or if they did the proper investigation they would see that it I'd had nothing to do with this transaction nor did I authorized nor did I allow anybody to use my PIN number or password or anything like that there ain't no one person on the account and that is me I have not been able to get no resolution with them I've even requested the documents that made them make the determination to deny my claim I have a valid claim and I just asked that I get my {$400.00} back this was a fraudulent transaction and I ask that the person be found and punished.

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 2020-12-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a dispute to Experian regarding an unauthorized XXXX  XXXX XXXX account # XXXX. Experian has thirty 30 days to respond or delete the item. They have not done so.

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 2022-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get loan modification assistance with SPS for the last few years but SPS has denied my request within a few days without a fully proper review. I last submitted to SPS on XX/XX/2022 and was denied on XX/XX/2022. I received the denial letter including the NPV results in the documents which I have attached it states My income was not considered for the evaluation of my request it also stated, in performing their underwriting of a potential modification my modified payment would not be reduced and did not meet the payment reduction as required. However in further review of the documents it stated my new potential rate would be 5 % @ {$280000.00} which would give me a payment of {$1300.00} increasing my payment by {$320.00} which is SPS looked at my financial and used them during the evaluation they would see I have a disposable income of {$840.00} which even if my payment went up I can still afford it. I am simply asking SPS and its investors to help me in any which way even if my payment goes up I have no problem making these payments. Also I ask if SPS can review my information to help me further qualify if an increased payment will not work, please consider me for a Balance Partial claim or Principal forbearance to make my payments more affordable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions 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:
i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, XXXX is reporting it as open and XXXX and experian are reporting it as a collection... XXXXXXXX is also reporting this 120 days late and a collection thats double dipping, XXXX is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations

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 2021-12-03
Company: EQUIFAX, INC.
State: MS
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 tried getting this issue resolved with Equifax. I have spoken to the fraud team several times and they are not complying with my request. Under the FCRA anything fraud or unauthorized must be deleted from your credit reports immediately. THESE INQUIRIES ARE NOT MINE 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 explanation
Consumer complaint received 2023-11-21
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
See attached AZ Attorney General Consumer Fraud complaint against US Bank.

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 2023-11-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
When I filled chapter XXXX, I was sending money to Wells Fargo and they took the money for XXXX to XXXX mths and still took my vehicles

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 2023-11-18
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: In progress
Consumer complaint received 2022-04-27
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-04-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Numerous times I have attempted to resolve this issue with Equifax. Please be advised that this is causing financial damages, stress, and hardship. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid. My PRIVACY has been violated in your system. Please verify, validate, and document that I am LEGALLY obligated to pay this alleged debt. Provide proof that I was late on this account. If you are unable to provide evidence of late payments please correct the inaccurate report. YOU ARE REPORTING FALSE AND MISLEADING INFORMATION. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE UPDATE THE FOLLOWING LATE PAYMENTS TO PAID AS AGREED NEVER LATE XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX REMOVE XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UPDATE XXXX XXXX  REMARKS PAID/CLOSED REMOVE UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent a 2nd certified mail to the company with colored photo copies of my untility bill less than ( 45 days ), Unexpired Passport ID and SSN card challenging the errors and violations and mistake of identity of my name. To date, I received no response and no actions taken. Am patient but now it is way way too long.

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 2022-04-01
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: AL
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:
XXXX Of XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation