BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: LEXISNEXIS
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has been reporting on my account for years I have tried a number of times to get this item removed I let them know I was a victim of fraud/if therft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Credit Karma, LLC
State: NY
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:
On Saturday XX/XX/2019 : According to an email from Credit Karma, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a XXXX XXXX card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Reliant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2021 to XX/XX/2021 I have multiple screen shots and bank statements that prove cash app or square inc took XXXX from my account over a month time frame.. which XXXX is unaccounted for according to their statements and my transactions. I have repeatedly tried to get ahold of someone since XX/XX/2021. I haven't had a response or even got to talk to someone. This isn't fair im going to school getting my bachelors in XXXX. I graduate next year I work hard for my money and don't bother anyone.. they shouldn't be allowed to take our money ... transactions to statements still doesn't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Visa Debit Card was used in a city I was not even in at the time. I sent WSFS Copies of my airline ticket which showed the date I left and they have declined reimbursement of disputed transactions. I left XXXX XXXX on XX/XX/2022 there were 27 charges that posted to my Visa Debit Card on XX/XX/2022 the young lady XXXX asked me why I did not know the transactions were done is because the WSFS Bank had blocked me from the website! I received a letter from WSFS this morning with a letter stating that any dispute was denied! I called and asked for copies of the receipts and customer service said they would send me copies but they did not know what they would look like???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX account 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 an 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 2018-08-27
Company: EQUIFAX, INC.
State: WA
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:
My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017, I was involved in a car accident. I had XXXX for a auto insurance carrier and XXXX XXXX for my health insurance. The insurance had already met the policy limit with XXXX and they was supposed to be paid with XXXX  XXXX. I provided the health insurance company with the Letter and payment history to let them process the claim. I called XXXX XXXX for a year and half now. I haven't go nowhere. I met my health deductible with XXXX  XXXX so it should been paid in full. Now, I have this PHOENIX FINANCIAL SERVICES LLC that never sent me a bill nor provided me with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a mobile hotspot with XXXX on XX/XX/2018. I was told to get service with them I would have to pay {$80.00}. I decided I didn't want to go with XXXX but now they send me mail everyday to my address I get this one same letter iny mailbox. Five letters at one time, its the same letter and same reference number. I am just starting to repair my credit and don't want these negative inquiries on my credit account 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 2018-07-07
Company: Lending Club Corp
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was declined a loan after I already have a loan with them. When I called to discuss why I was declined and to understand how they arrived at the XXXX I was put on hold. Then I was told they arent allowed to transfer me to talk to someone who could explain how they arrived at my XXXX. I believe they may have made a mistake and wanted to ensure they are calculating correctly. I feel it is not fair under and maybe against Regulation B for not explaining and giving me the chance to ensure they have my specific debts and income correctly. I currently have a loan with them and feel they could at least walk me through and explain. At least show me it was fair treatment and not based on discrimination. Instead I was provided with vague answers making it seem like who knows what the decision was really based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account on XXXX XX/XX/2021 for no reason and will not help me getting it back up and going. It had XXXX dollars which I had to refund. I am not sure if this is some type of mistake as I assume it has to be. I have not been able to get help despite my effort to provide all the documented details of what they requested to solve the issue, and so I remembered I can file a report here as I feel that the company is not doing its job properly. Their final decision of me withdrawing my money after XXXX  days is really affecting me a great deal since I use PayPal to conduct my business which keeps me going in life. The email that is linked to my pay pal is XXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Account balance is XXXX account is 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 non-monetary relief
Consumer complaint received 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Auto  Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX   Inquiry from XX/XX/XXXXXXXX Credit Card XXXX. 
XXXX XXXX XXXXnquiry from XX/XX/XXXX Credit Unions

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 2018-07-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Recently we opted to turn in the keys to a home in North Carolina because we could no longer afford the home. Things were moving along and we have gotten everything out of the home and sent a letter to have Wells Fargo take over the home. We received an email stating there was a problem with the title being recorded in another county different from where thee home is located. Then we received an email stating that there was a document from the closing that had not been signed. We then learned we now have to sign all the documents from the initial settlement which was in XX/XX/XXXX. Then we were told the document were fromXX/XX/XXXX. This is all strange because inXX/XX/XXXX we requested a second mortgage for {$50000.00} what we got instead was a Home Equity Loan for {$120000.00}. When we learned of the mistake we wrote letters and complained that this was not what we wanted. Because of the HELOC we were stuck paying fees and interested when in fact if we had gotten the second mortgage in XX/XX/XXXX and our first mortgage was left as it was we would have paid off both loans by now. To now be told we need to sign " ALL ' documents from first this company it set out many red flags. 

We want the process to be over, however signing documents from over 10 years ago is cause to be alarmed. We are questing if the initial request for the second mortgage was a bate and switch. Therefore we want an investigation into this situation. 

Spoke to XXXX XXXX at Wells Fargo Headquarter his number is XXXX ex. XXXX And XXXX XXXX Wells Fargo Home Mortgage Default Servicing - Default Decisioning HL Liquidations XXXX XXXX Wells Fargo Home Mortgage - Liquidations WO and XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX, IA XXXX XXXX XXXX XXXX ext # 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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Ive contacted Trans Union several times to certified mail to verify that the debt stated that they are reporting on my credit report is in fact mine. I have not received any verification or original contract saying that I am the original debtor. Trans Union has refused to send me verification yet they Knowingly continue to report this debt on my account. The alleged debt is not mine.

Trans Union is in violation of laws 15 USC 1692 a 5 1692 C 15 US C 1692c a 15 US C 1692 d 15 US C 1681 a 15 US C 1681 n 605 a Ive called XXXX and was denied form of verification. 
I was told by the supervisor at trans union named XXXX XXXX that the lender did not provide verification, and he still refused to delete.

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 2021-02-24
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: Account information incorrect

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They still have not corrected the mistake.

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 2018-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Fifth Third Bank took over servicing of our mortgage loan for a property located in XXXX XXXX XXXX, XXXX. Fifth Third Bank contacted us for insurance information. We informed Fifth Third Bank that because we had just refinanced the mortgage within the year and insurance was validated in the mortgage process, the information was already in our file. We also warned Fifth Third Bank to not force-place insurance for the reason that the insurance was in force and was already in the servicing file. If in the transfer of servicing Fifth Third Bank 's file was incomplete, that is not our ( the consumer 's ) problem. Three separate telephone calls were made to Fifth Third Bank regarding the insurance. Today,XX/XX/XXXX, we received a letter dated XX/XX/XXXX stating insurance was force-placed on our property in the total amount of {$1600.00}. Today we called Fifth Third Bank stating for the FOURTH time that we already have insurance and that the insurance information is already in the servicing file. We notified the person on the telephone that we are prepared to sue and that we will be filing a formal complaint. This is that complaint, along with one we will file with the OCC. We will NOT pay the force-placed insurance. The failure to transfer servicing information is not our problem and should not be our inconvenience. Both of us ( owners ) are bankers by trade and one of us owns a mortgage company. We are well-aware that this is a servicing matter. The information on the XX/XX/XXXX notice is as follows : Fifth Third Bank, its successors and/or assigns, XXXX, XXXX XXXX  XXXX, XXXX, MN XXXX ; Account for XXXX XXXX XXXX, Account XXXX for property located at XXXX XXXX XXXX [ spelling corrected ], Unit XXXX, XXXX XXXX XXXX , SC XXXX. We contacted Fifth Third at approx. XXXX XXXX eastern time for the fourth contact today, XX/XX/XXXX. We supplied the insurance information today, despite the fact they already have the information in the loan file that is under one year old only because this is the FOURTH contact. This is their problem, not ours, but they made it our problem because they are lazy and/or inept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened up four accounts at Charles SCHWAB and they restricted access and refuse to give me back my money. Ive sent in everything they have asked for notarized documents Id etc I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The second round of stimulus was issued to me on an economic impact payment card. the card was sent to the wrong address. I have not been able to contact the XXXX team to that I can get another one mailed to my correct address. There is no option to speak to person everything is automated and it makes the process impossible to fix. There should be an option to speak with a live representative that help consumers get the help they need.

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 2020-01-27
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: MO
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:
Per complaint XXXX Experian has requested authorization and this is my formal authorization requesting for investigation regarding complaints that was given per prior complaint. This account has several errors and inaccurate information being reported. Attached is my ID to show proof of my identity of my authorization. 

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 2021-06-30
Company: EQUIFAX, INC.
State: NC
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 have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2.

Company response to consumer: Closed with explanation