BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: PR
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:
My current address on my Experian account is wrong, this is hurting my opportunities and I got denied for an application due to my address not being able to confirm my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX I need this to be corrected immediately This are the current addresses on my Experian report : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX they are all shown wrong I expect this to be handled as soon as possible as my quality of life is being affected by this and I am being denied credit for this error.

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 2019-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i was a payment behind, then running a payment behind 3 to 4 months, then i contacted my lender for assistance with getting caught up with assistance and a loan modification.my lender assigned my a loan rep which determined i need to short sale my home.i advised i wanted to keep my home and if there were any other options available.i filled out a loan modification with a hud counselor submitted it.no response back for 2 more months and received another letter stating to short again, the hud rep try many times to respond back to lender and no response except that he could not communicate because there was no authorization form on file to discus with the hud counselor, the authorization form was on file since XX/XX/2018.i need a loan modification .i have been employed with the same employer for 30 years.i feel behind payments due to a XXXX XXXX.i am recovering and just want assistance with saving my 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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2019 an unauthorized credit inquiry was made to Trans Union by XXXX, XXXX, TX, XXXX phone 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 2021-08-31
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Netspend stole my stimulus check.

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 2023-08-22
Company: EQUIFAX, INC.
State: VA
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:
To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to their ATM and deposited {$570.00} cash the machine only gave me credit for {$200.00}. I called wellsfargo and I was instructed that its not their problem and theyll get me my money back when they resolve the issue. I deposited cash the machine recognized it was cash and delayed my availability. Ive spent a total of 2 hours on the phone this morning because their customer service team keeps disconnecting or losing my call. I have perfect service.

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 2020-07-12
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I use an app called XXXX to help save money. It automatically pulls small amounts from my bank account but my bank- PNC has started a new program/ security role that doesnt allow second party apps to connect to your account. I understand its a security issue but this app is fully secured and it is a paid app to ensure security and promise of funds. I need my account to be connected again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is not accepting my dispute for XXXX XXXX XXXX XXXX for {$260.00} or {$270.00} the collection is not accurate as the account was closed and equipment was returned and paid in full.

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 2022-11-06
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:
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. 
XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Early Warning Services, LLC
State: GA
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:
XXXX XXXX XXXX has my old account listed as " Check Fraud '' with Early Warning Systems ( EWS ) '' preventing me from doing anything of importance with financial instuitutions. I contacted XXXX XXXX XXXX, XX/XX/XXXX, where I spoke to fraud, atm fraud, account closures and other departments to get the information I needed to prove my case. 

After several blind transfers, 4 hang-ups and the rudest supervisor I had ever spoke to with a condescending tone and very nasty attitude towards the situation, I was not able to get anywhere. I disputed the information with EWS in which they were able to prove something I was not, and I am involved. 

I stated that in XXXX, when my account was negatively impacted, XXXX advised me to get a police report for the incident, but at the time, the police station stated that in order for me to file a report, I needed " evidence '' of what happened and something showing who was actually involved. XXXX  had this information but refused to release anythign to me. So, at that time, I said " forget it ''. XXXX was to do a " PROPER '' investigation in which they would have seen I was not responsible for anything negative regarding the account. XXXX failed this investigation and just labled me as the " accused '' because it was " easier '' but not factual. 

The account actually closed because there was an " electronic '' deposit that wasn't real. I had no way of doing this. How can I, a non-hacker without any hacker access, be able to ELECTRONICALLY deposit money that was never there? I have never been able to do this, and if you look at my banking history, it shows the same. 

XXXX  is now know to be the worse bank for the general consumer. They have screwed a lot of people 's files because of their lackadaisical internal processes that only helps the bank or their top dollar consumers. 

This just isn't fair, and I need advocacy. I'm starting here after failed attempts with XXXX  and EWS. Then, I am writing the attorney general, and last, I will use my own attorney for a civil dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Security Credit Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security credit service I attempted to contact the company and let them know this is fraudulent activity on my credit report. I did not take this like of credit out. An ex friend of mine took my information and opened a line of credit. I also reported to dispute.transunion.com. this is NOT my debt.you can check the cameras at the establishment this line of credit was taken out at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XX/XX/2020 inquiry. XXXX XXXX XXXX. I did not make this request and have no idea what it is. No other credit agencies are reporting this. 
XXXX XXXX and XXXX XXXX  XXXX are the same inquiry and happened on the same date. The other agencies are reporting this correctly as one inquiry. 
Have tried to dispute this multiple times but the transition app and website keeps telling me that there are technical issues and to try back later.

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 2022-11-05
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: Their investigation did not fix an error on your report

Complaint:
Account XXXX XXXX  acct # XXXX IS reporting a late payment and should not be 15 U.S.C 1661 STATES THAT A CREDIT REPORTING AGENCY CAN NOT REPORT AN OPEN END ACCOUNT AS LATE FOR ANY PURPOSE OR ANY REASON. 

Account XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) acct # XXXX IS reporting Incorrectly. 
-DATE OPENED -LAST REPORTED -DATE LAST ACTIVE All DO NOT match with the other bureaus 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without written instructions Account XXXX  acct # XXXX is reporting Inaccurate information. 

-MONTHLY PAYMENT -PAST DUE -LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT ALL ARE INACCURATE and this account should removed. 15 U.S.C 1681 SECTION 602 A states that I have the right to privacy

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 2019-01-17
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me at work which I live in the state of California which states that they can't call you at work which they did knowing that I work at a XXXX and XXXX XXXX XXXX. 
This incident happened XX/XX/19 around 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 2022-10-10
Company: Experian Information Solutions Inc.
State: IN
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2021-08-18
Company: Midwest Recovery Systems
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: Account status incorrect

Complaint:
Hello, my name is XXXX XXXX. I am reporting this complaint to the CFPB due to the lack of XXXX/XXXX XXXX to remove this account from my credit bureaus and they are reporting it as derogatory and past due. This account was sold to Midwest recovery systems, XXXX XXXX XXXX. The account was paid off in full and they agreed to remove the account from my credit report. I filed an dispute with XXXX, XXXX, XXXX  and they reported that XXXX/XXXX  says that I still owe on this account and they don't own the account anymore as it was sold to the third party agency. I called XXXX/XXXX  and they stated that they no longer have my information and they are not allowed to send me a letter to remove it from my credit report as stating it was sold to a third party agency. If we can get this removed this will be great. It stressing me out and holding me back from my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid 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:
I have been receiving this robo call in frequently since XX/XX/XXXX " Dear customer, this XXXX from Amazon there is a disputed charge on your Amazon account for {$720.00} in XXXX, Ohio. Please dial one to speak to a representative " This number is always a spoofed number starting with ( XXXX ) XXXX. I have pushed one and asked to be removed from their call list at least 2 times. StartingXX/XX/2021 at XXXX these calls increased in frequency to about every 15 mins to currently every 5 mins. I have pushed 1 and asked repeatedly for the calls to stop. The last time I pressed 1 to speak with someone there was a threat on my life " to put a XXXX  in me and XXXX me up. '' One of the calls that came through was not hidden. The number XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TRIED TO HAVE CONSUMER FRAUD ALERT REMOVED. THEY WON'T DO IT, EVEN THOUGH I HAVE MY PIN AND INFORMATION FOR ALL 3.

THIS IS LIFE THREATENING, I NEED XXXX TO SAVE MY LIFE AND THESE XXXX   REFUSE TO REMOVE THE FRAUD ALERT SO I CAN GET MY LIFE SAVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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 XX/XX/XXXX I received a wire transfer from my job of {$6100.00} and {$400.00} was my commission and on XX/XX/XXXX i received another wire of {$5200.00} and {$300.00} was my commission. The same day i deposited the money to my company i get a call from my bank saying they are closing my account because the bank was recalling the money wired to my account. I tried to get a confirmation for the bank but no luck. I filed a police report to see if that would help but still no luck.

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 2023-08-20
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX XXXX  and XXXX  of character along with 60 plus days of no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I requested Validation that this was my account. I sent a certified letter XX/XX/2019 and received no response. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: FL
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation