BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
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:
This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted 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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent Negative Accounts : XXXX XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}

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 2018-08-28
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I mailed a principal payment in the amount of {$6200.00} overnight via XXXX  on XX/XX/18. 
It was received and signed for on XX/XX/18. They posted the check on XX/XX/18 and back dated it to XX/XX/18 and it should have been back dated to the date received which was XX/XX/18. 

I called customer service and then escalated to a manager, I advised I should not be paying interest on {$6200.00} for 7 days that the check was floating around their office and that the check should be back dated to the date received which was XX/XX/18. The manager told me " they post the check when it comes across their desk and they are in the XXXX so they don't have to follow the rules of the USA ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I attempted to send {$25.00} to a friend in XXXX via Western Union. He twice tried to collect the money at his bank, but the transaction was declined. Western Union then cancelled the transaction and refunded the money to me. Today, XX/XX/2020, I received a letter ( attached ) stating the reasons for the denial. Their claim that I initially contacted them is false. I spoke with their customer service today and inquired why I received the letter. They stated that the transaction was " flagged '' as being fraudulent but they could not explain their reasoning. They said that they would email a response. This is nonsense. I've owned the bank account for more than a decade and I personally know the recipient. There was no fraud here. 

On XX/XX/2020, I resent the {$25.00}. This time it went to a Western Union location rather than a bank. Again, my friend was unable to receive the money. I called Western Union on XX/XX/2020 and they informed me that a refund is in progress. Again, they could offer no explanation as to why the transaction was declined. 

During today 's phone call, I informed their representative that using words like " fraud '' and " money laundering '' was crossing the line. I informed them that before using such language they need to provide proof as justification. 

I've never had such difficulty in sending someone as small an amount as {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX here, and I'm submiting this CFPB Complaint to let you know that I've been a victim of identity theft. Unauthorized Inquiries are being reported to my personal file after reading my credit report. In violation of Fair Credit Reporting Act section 605b, XXXX and TransUnion Credit Reporting Agency continued to publish unverified information without providing the legal justification that was necessary. The Credit Bureaus have not properly identified and provided any verifiable proof within the required time frame permitted by law. The following inquiries are false, and I never gave anyone permission to view my credit. They have neither removed these inquiries from my credit report or given me a written authorization. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2020-10-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Five months in a row, Wells Fargo has failed to send me a monthly statement so that I can pay my monthly HELOC mortgage payment. I have called, or attempted to call, many many times. Wells Fargo 's various reactions to these calls have included rejection, skepticism, indifference, and condescension. There have been promises to contact me which have not been kept. Any number of times, they have acted like there's nothing wrong to fix. Several weeks ago, Wells Fargo sent me a letter stating that the problem had been fixed, but I did not receive my monthly statement that should have been sent in early XXXX, so the problem was not fixed.

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 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After notifying XXXX of Unauthorized charges they continued to charge me again, and with the effects of Covid looming over the entire world, it is impossible to communicate with anybody about this issue. In XXXX they ( XXXX ) issued me half of a credit XXXX of a XXXX charge, and then proceeded to charge me again XXXX on XX/XX/XXXX. In the midst of the back, and forth with these unauthorized charges that XXXX  XXXX XXXX should not have allowed, there was a payment missed that I was not aware of, and it has affected my credit rating. Now I am looking to obtain a mortgage, and these ridiculous unauthorized charges have affected my credit score .Please have my credit score restored, while I resolve this dispute with XXXX  XXXX XXXX allowing the, after I told them not to accept charges from these people at XXXX XXXX and XXXX to stop.

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 2020-11-26
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-02-01
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was on a month to month and was unaware of a balance building because my service was shut off. I did not receive anything from the original creditor stating I had this balance or that I had a right to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MA
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 writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX XXXX XXXX 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the student forgiveness department on the student aid website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached SSN. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on XXXX, EXPERIAN AND XXXX! 

( XXXX XXXX XXXX ) Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate

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 2022-11-18
Company: BAM Management US Holdings Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My account was comprised as a result of Binance 's failure to secure my account. 
Binance did not appear to be having any difficulty with allowing my account to be hacked, but once I informed them about what had happened it was very difficult to have them secure my account after which I discovered it was impossible to get my funds released, as their are designed to be has humiliating as possible, and Binance 's policy of not accepting the selfie video 's that is forced upon investors after they had deposited funds into the account guarantees that any funds deposited into the Binance account will never be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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:
RE : XXXX  XX/XX/XXXX, began making requests to update mortgage payment information. Contacted XXXX XXXX  and verified XXXX submitted mortgage payments update XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Between XXXX, XXXX and XX/XX/XXXX, I spoke repeatedly with the Special U.S. Handling Team and they indicated repeatedly they were updating my report. 

XX/XX/XXXX, I spoke with XXXX XXXX, Supervisor in the U.S. Special Handling Team Department, XXXX. She specifically stated " No one would be making the updates/corrections to this account. '' RE : Experian XX/XX/XXXX, we began requesting the same mortgage payment update. After paying their monthly fee and filing repeated complaints, no update has be made to my credit report. 

RE : XXXX  Updated my credit record XX/XX/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 2020-09-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called on XX/XX/XXXX, this company collection agency named XXXX XXXX XXXX, to find out, for what reason, this collection agency, does not stop harassing me. the agent I spoke with explained to me that I owed the sum of {$280.00} for the company XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, CA XXXX. I refuse to pay for this rental agency, or it found my last accommodation. before making the inventory and handing over the keys to the manager. it was clear that I had paid all my rent for my apartment and that I had left the apartment without any damage.

I always had problems with this apartment rental company when I was living in this apartment. sometimes the manager asks me to pay my rent for the month and when I paid the next month which showed that I didn't pay my rent for the last month ... this rental agency did a lot of error with my rental agreement so now I refuse to  pay the amount that asks me. I am also filing a complaint against this collection agency, which does not respect my privacy and harass me every day with phone calls and texts. I told this collection agency agent, before hanging up, that I know my rights and ask them to stop harassing me right away or I will file a complaint against this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: DISCOVER BANK
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 status incorrect

Complaint:
Hi CFPB, Discover bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, 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:
I am victim of identity theft, i have been submitting dispute to this company since XX/XX/2020 and i have not get any respond or justification of why this fraudulent account have not been remove from my credit report. no investigation have been made. no proof of any investigation is send as my request. i been totally ignore by this company. they are going against my right. 
see attached policy report letter been sent to this company and proof of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2020-08-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 my US Government stimulus check in the amount of {$2900.00} was deposited into the wrong PNC bank account and the issue is still not resolved and its almost been 5 months! I do not even have an account with PNC Bank. The bank told me they couldnt do anything about it and for me to contact the other name on the account and ask if they would return it, but I think that is outrageous. What if they say no they are not returning the money to me? Am I just supposed to hope that everyone believes in the honor system? No way! The bank made the error and they need to fix it, immediately! I will not take time out of my day to make the phone calls that they are being paid to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX  is my lender ; I fell into default on or about XX/XX/2018, on my first mortgage.and submitted a request for a loan modification on XX/XX/2018. I contacted XXXX XXXX on or about XX/XX/XXXX to follow up on the application and supporting documents that I had submitted. 
On that date, I was informed by XXXX XXXX that the mortgage servicing had been transferred to Fay Servicing on XX/XX/2018 (  one month prior ) while the mortgage was already in default. When I contacted Fay Servicing about this, I was informed by Fay that they would not review my file for loan modification consideration as the foreclosure date was too close. My allegations are : 1. I was not given written notice by either XXXX XXXX XXXX XXXX or Fay Servicing when my loan servicing was transferred ; had I been expressly informed ; I would have submitted my modification request to Fay Servicing. 
2. My loan went into default in XX/XX/2018 therefore, loan servicing was transferred while the loan was in default. 

The amount of my default is {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2018 I sent a dispute letter to IC System asking for validation. I received back letter saying " XXXX has provided the attached information verifying your responsibility ''. On XX/XX/2018 I send a second letter because yet again IC System have failed to provide me with copy of any viable evidence. I have no record of the above account and i am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C 1681g the consumer is entitled to said records the requested. 
The information they are reporting is harming my reputation, its adversely affecting my credit worthiness and i am being denied credit as a result of this inaccurate reporting. They are in violation of the FCRA. On XX/XX/2018 i send a third letter, stating I have retained new copies of my credit reports and noticed that they did not furnish the credit bureaus with the required disclose within the period required by law. 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or  threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

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