BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reportinXXXX XXXX XXXX XXXX Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-09-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
BestBuy is automatically enrolling me in a upgrade, that i did not ask for.The upgrade is a new credit card that can be used anywhere, not just at BestBuy. If you do not call them or go online to there website to decline new card, you will be  automatically enrolled for a the credit card.

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 2023-11-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
on XX/XX/XXXX I got a letter telling me they sold my load to XXXX XXXX. I am trying to find out what going on and only thing they telling me that they just getting out the mortgage business. So I call around and find out that they are in a lawsuit. Well Fargo Owes Customers more than {$2.00} Billion. I did not know that Well Fargo entered into an agreement with the CFPB just before XXXX of XXXX. The settlement includes more than {$2.00} XXXX in reparations to customers who suffered financial losses and an additional {$1.00} XXXX that will go to the victims relief fund as part of the civil penalty. 

I feel I am part of this because for years I been asking question about why my mortgage yearly keep going up {$100.00} plus a year for more than XXXX years. 

Still no one have giving me an answer on why it more what I was told. 

I've been with Well Fargo for over 10-15 years and Now seeing paper work telling me they modifying my mortgage and changing my rate from a fixed to a adjustable rate. Never let me know or inform me of that...

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 2019-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit information.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: MS
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 is inserting the same account numerous times to my credit report as a harassment tactic. I have asked XXXX, as well as XXXX and Experian to investigate these inaccuracies through certified mail on three attempts ; to no avail. XXXX shows the same XXXX account 3 times, while Experian shows the XXXX account 2 times. I have tried to resolve this numerous times. I am being denied for credit because my credit report shows there are too many collections.

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: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I submitted a wire transfer request from XXXX to my XXXX XXXX account. Wells Fargo is the intermediary bank. Wells Fargo rejected the transfer. They returned all but {$50.00}. No one at Wells Fargo will assist with the missing {$50.00}. They keep telling me to have XXXX inquire. They will not talk to me. They will not accept any information - wire transfer reference number, account numbers, wire amounts. They refuse to talk about this transaction and have kept my money.

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 2023-02-11
Company: AMERISAVE MORTGAGE CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a application with Amerisave mortgage company. On XX/XX/XXXX I sent a text to this company and asked XXXX XXXX to cancel my application and to refund the {$550.00} he asked for. I put it on credit XX/XX/XXXX. 
He will not respond to my request, instead he is continuing forward with this mortgage loan. And he has not refunded my {$550.00} back on my card. No appraisal was done with Amerisave.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
On XX/XX/XXXX I purchased a new XXXX XXXX XXXX XXXX Directly from XXXX, financed through TD Bank. In addition to financing, there was a recurring monthly cost of {$13.00} for XXXX XXXX ( Phone Insurance ) Fast forward to XX/XX/XXXX, I use my XXXX XXXX XXXX  as a trade in for the New XXXX XXXX XXXX. This time, I financed it on my credit card. I sent the trade in device by end of XXXX. 

In XXXX, I started noticing charges for XXXX XXXX on both my Credit Card and TD. Giving benefit of the doubt that there was some lag for the system to catch up that I no longer owned the XXXX XXXXXXXX. I paid for these extra charges for 3 additional months. 

Why would XXXX and TD still be charging me for insurance on a phone that they know I wouldn't have any more? 

By XXXX, I finally contacted XXXX support and spoke with a representative that agreed this was a bug in the their system. He said he will communicate with TD and refund me for the additional months paid. I paid off the account in full, and my open balance is now {$0.00}. 

TD Bank continued to invoice for the months of XXXX and XXXX. I didn't make these payments, because I didn't have to. 3 months have already passed in which I no longer have this phone in my possession. Late charges started to take place, and TD collections started calling. I detailed the issue with TD Collections Representative over the phone when they would call and I would explained that XXXX has spoken to them and that this account should be closed and no payment is required. 

In XXXX of XXXX, I was looking to buy a home and started the mortgage prior approval process. This is when I noticed that my XXXX XXXX has been significantly impacted. I went from a XXXX down to XXXX, mostly due to my profile showing 90 day delinquent on payment by XXXX XXXX TD Bank. This is more than a 15 % decrease, and I no longer looked good to my potential lenders. 

In XXXX I emailed the XXXX 's office at XXXX to explain the issue. The representative was able to summarize the issue and provide evidence so that I can dispute it through the Credit Reporting Agencies. 

On XXXX I created a dispute through XXXX, XXXX, and XXXX. I provided all the information and evidence. 

In XXXX, just after a month of creating the dispute, XXXX is the only agency to have responded. The letter basically states that they have investigated, and no changes have been made. 

They mention the next steps is to reach out to consumer finance, which I am writing to you today. 

Attached are documents that prove my case. I was not delinquent in payment, and have worked very hard to grow my credit report. 

I do not know what else to do. 

Please let me know if you need anymore more information Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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.

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 2022-12-13
Company: EQUIFAX, 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:
My name 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 2021-11-03
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX I disputed account asking to verify or delete as I do not recall having debt nor account open with this company. I mailed my disputed via mail with a certified and return label. Certified receipt tracking # XXXX. Returned label was delivered on XXXX XXXX 2023 @ XXXX XXXX  and I still have not heard back from company with any answer nor verification documents on debt. More than 30 days have passed and no response. I have tried multiple times calling creditor at XXXX and my call has not been able to get through and able to talk to rep.

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 2023-07-06
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: Public record information inaccurate

Complaint:
I need the bankruptcy information currently showing under my social security number permanently deleted. Transunion and XXXX failed to provide me copies of all documents associated with this public record. Per federal law, they had 30 days to complete this investigation as outlined per the fair credit reporting act 623 ( a ) ( 3 ).

Per the federal credit reporting act, section 609 ( a ) ( 1 ) ( a ), the beauros are required by federal law to verify through physical verification of the original signed consumer contract and/or judgement ( s ) all accounts and public information that is posted on anyone 's credit report. Otherwise, anyone could post fraudulent or erroneous account information

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 2023-07-17
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:
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 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 2023-07-17
Company: Experian Information Solutions Inc.
State: MD
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 Account # XXXX with XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account 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

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 2021-02-16
Company: Experian Information Solutions Inc.
State: MA
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:
CFPB, This is my fourth dispute over the past couple of months I have file in regards to XXXX, XXXX  and Experian violations and none compliance of the Fair Credit Reporting Act. XXXX, XXXX  and Experian continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. XXXX  continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to XXXX  most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX W2 form showing my name, home address and SSN to XXXX. 

CFPB, XXXX  in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to XXXX, XXXX  and Experian through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with XXXX  and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. XXXX  knows my identity this is willful stall tactic to not delete this inaccurate information 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 2022-09-08
Company: EQUIFAX, INC.
State: SC
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation