BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: Experian Information Solutions 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:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by Experian for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX   account # 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 2020-12-14
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2020 I noticed XXXX XXXX XXXX XXXX also known on my Equifax credit report as " XXXX '' account balance of {$1600.00}, to not belong to me. This account was opened as a result of identity theft, and was not authorized. I have disputed this item with the credit bureau 's and XXXX  and Equifax are still reporting this incorrect fraudulent unauthorized information. This is damaging to my personal credit report and I wish to have this removed immediately under the financial burdens of covid-19 financially, I would not be approved or considered possibly for new credit if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: AMERICAN EXPRESS COMPANY
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/2021. 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. 130 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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

*USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!!

XXXX XXXX UNVERIFIED ACCOUNT

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 2018-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called Wells Fargo Card Services at the beginning of XXXX to have them STOP sending me statement stuffers with balance transfer checks. 

Once again, in the End-of-month XXXX billing statement, there was a balance transfer check. 

I had to call again. They said it could take up to two billing cycles.

This is the third. Then, they said it could take up to 60 BUSINESS days, which is a REALLY long time period. In the meantime, I'm subjected to potential fraud, if my statement is stolen.

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 2018-02-01
Company: ECMC GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 ECMC, Educational Credit Management Corporation, website XXXX XXXX XXXX sent a letter to my workplace requesting my wages be garnished. 

The ONLY information for the debtor they had that matched any of mine was a first and last name. Not even my middle initial matched the information they had, and yet they had the nerve to send a letter to my employer. 

Luckily the person at my work handling this knows me and let them know right away this was not the right person they were looking for, but they are obviously just fishing on websites for names and not doing due diligence to ensure the person they are targeting is correct and my wages could have been garnished for a debt I had nothing to do with.

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 2019-04-06
Company: Experian Information Solutions 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:
Email received today, XX/XX/2019, from Experian showing a reduction in my credit score of -XXXX points to XXXX because of negative collection activity initiated by a company called XXXX XXXX XXXX, ( acct. # XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ) acting on behalf of XXXX House, XXXX XXXX, XXXX XXXX XXXX ) for an account opened apparently in my name inXX/XX/XXXXand now owing a balance of {$570.00}! What's unnerving is this is the second identity fraud against me regarding a communications bill. The one I filed with you last month was from XXXX XXXX. A police report was filed and the collection was removed immediately. To add insult to injury I have a one ( 1 ) year security alert with Experian and the other two ( 2 ) credit reporting agencies, but apparently to no avail. 

Experian, without any notice to me, just reduces my credit score. And, this company, XXXX XXXX XXXX had never contacted me and when I tried calling they are only open during the week.

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 2019-04-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My employer is XXXX please XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX | XXXX, CA XXXX XXXX : freedommortgage.com/locations O : XXXX Ext XXXX Hello XXXX, I am having difficulties getting approved by Freedom Mortgage Company. 
First XXXX is the guy that is taking care of the refinance loan, he told me that he guaranteed me that he would get me refinance without a problem, now he is telling me my debt to ratio is too high, I would like XXXX to take a look at the file that Freedom Mortgage has put together and help me understand why I am not able to get approved for this loan. 

XXXX also told me not to pay my current mortgage payment, that everything would be paid off before the 30 days and made me late, now they tell me they can not approve the refinance.. Go figure. 

XXXX says the Underwriter does not want to approve this loan. 
I was already approved through XXXX. 
I can't for the life of me understand why they are not able to approve this refinance. The only reason that I can think of not being approved is because of my XXXX background.. 
Hopefully you can help me understand this process and see if this is the case. 

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 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I thought I was only applying to one company when I got approved to buy the car. 

I've had XXXX credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( XXXX ) related to my purchase on XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX   XXXX XXXX - XX/XX/18

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 2018-04-07
Company: Ability Recovery Services, LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
This account is inaccurate. I never attended XXXX College in 2016.

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 2022-08-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i opened a checking account with wells farggo and did a ACH transfer from my other bank ( XXXX XXXX XXXX into my wells fargo account for the amount of XXXX on XX/XX/2022. the same day they closed my account at wells fargo before the cash hit the account. the money was not returned to my other bank. i called wells fargo and was told it was held at the XXXX XXXX and was giving a tracking number which didnt work. called back a week later and was told a case was open about it and still now 2 weeks later havent received the money back

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 2019-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX did not provided adequate verification for debt question. No documents were provided showing a contract or signature

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 2021-05-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 hard inquiries that I dont recognize. I think at those 2 time that I applied for credit card but got denied.

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 2017-12-01
Company: EQUIFAX, INC.
State: TN
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:
I CALLED IN TO EQUIFAX TODAY AT XXXX CENTRAL TIME ABOUT A DISCPUTE I SENT IN XXXX, AND ALSO ABOUT ITEMS LISTED ON XXXX XXXX WEBSITE WAS INCORRECT AND WHERE THAT INFORMATION CAME FROM. THE FIRST REP I SPOKE WITH WAS NAME XXXX IN THE XXXX IN THE DISPUTE DEPARTMENT, TRIED TO EXPLAIN TO HER SHE WAS VERY RUDE AND NASTY. ASKED TO BE TRANSFERED TO US REP, SPOKE TO XXXX ID # XXXX, SHE ADVISED ME I HAD 2 CREDIT REPORTS ONE WITHOUT A SOCIAL, SHE WAS NICE SHE TRANSFERED ME TO XXXX IN NEVADA. SHE TRIED TO ASSTS ME BUT THE LINE DROPPED ON HER END. I CALLED BACK AND SPOKE WITH XXXX ID # XXXX-NEVADA REP. SHE ADVISED THAT SAME THING I HAD 2 REPORTS AND ONE WAS REPORTING A BANKRUPTCY, I ADVISED NO INFORMATION ON THAT NOT ME AND FROM THE CREDIT REPORT THAT WAS SENT BY EQUIFAX TO ME ON XXXX XXXX CONFM # XXXX NO BANKRUPTCY WAS SHOWING ONLY 3 COLLECTIONS THAT I WAS DISPUTING AND 21 FALSE INQUIRES I WAS DISPUTING. SHE PLACED ME ON HOLD FOR 1 HOUR AND 10 MINS CAME BACK TO THE LINE AND ADVISED SHE NEEDS ME TO SEND A COPY OF MY ID AND PROOF. ADVISED HER ON XXXX I SENT A COPY OF MY ID UTILITY AND WATERBILL TO EQUIFAX TO PROVE ME, SO THEY COULD SEND ME MY REPORT. AFTER SENDING THEM THOSE ITEMS EQUIFAX SENT MY REPORT. SO WHY NOW THEY STILL DONT HAVE MY PROOF ON FILE. ADVISED I NEEDED CORP OFFICE INFO SHE REFUSED TO GIVE ME CORP OFFICE INFO OR HER SUPERVISIOR INFORMATION, I ASKED TO SPEAK WITH HE SUPERVISOR WHOM SHE CLAIM WAS HELPING HER SHE REFUSED, SHE TRANSFERED ME OVER TO THE XXXX AND I SPOKE WITH XXXX AND GAVE HER MY INFORMATION PLUS THE CONF # XXXX FROM EQUIFAX 3 TIMES SHE ADVISED SHE COULD N'T PULL IT AND WAS DIFFICULT TO UNDERSTAND HER ASKED HER TO SPEAK TO TRANSFER ME TO US REP, SPOKE WITH XXXX IN NEVADA ID # XXXX HE ADVISED HE CANT SEE ANY OTHER INFORMATION FROM THE PRIOR REP AND ALSO ADVISE THAT THERE IS NO XXXX WITH ID # XXXX IN NEVADA, HE ADVSD TO WRITE THE CORP OFFICE. HE ALSO ADVISE THAT HE DOES N'T SEE MY INFORMATION I SENT IN PRIOR. ADVISE HIM OF THE CREDIT REPORT I RECIEVED ON XXXX. SO EQUIFAX HAS BEEN SENDING ME FALSE INFORMATION AND STILL HAVE N'T SENT ME THE CORRECT CREDIT REPORT OR ANYTHING. I HAVE NO CLUE ABOUT MY CREDIT PROFILE FROM EQUIFAX BECAUSE THEY HAVE 2 OR 3 WITH SOME OF MY INFORMATION AND THIS IS FRAUD. AND THEY HAVE LOST MY PERSONAL INFORMATION THAT I SENT IN THE BEGINNING SO THAT I COULD RECIEVE MY CREDIT REPORT. IM SENDING YOUR THE REPORT EQUIFAX SENT ME, WHILE THE OTHERS REP CLAIM THERE IS MORE FILES ON ME BUT REFUSED TO SEND OR TRY TO FIND OUT WHATS GOIN ON

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Possible Debt Collector by the name of ERC called my direct line at work at XXXX XXXX XXXX, XXXX. I have not received any mail from debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: BANK OF HAWAII CORPORATION
State: HI
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, Bank of Hawaii Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: EQUIFAX, INC.
State: OH
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:
XXXX auto XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Northstar Location Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Mini Van was reported stolen to the Police but resolved that it was retrieve by XXXX XXXX as repossess without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received notice that a delinquency was reported to XXXX on my auto loan. I purchased a vehicle on XX/XX/XXXX, it was financed through Ally Financial at the dealership. I later refinanced with my bank XXXX XXXX XXXX. Multiple times since refinancing I received letters from XXXX stating that they had not yet received the title and I was at risk of default. The first two times I called and explained it was a refinance and they should receive the title from Ally and I was told to ignore the letter. The third time they looked into it and discovered that the payoff to Ally was {$10.00} short so they wrote a {$10.00} check to Ally to settle the account. The next thing I heard was the delinquency report on XX/XX/XXXX stating that the account was 60 days past due with a {$10.00} balance. I immediately filed a dispute with XXXX and then called XXXX. We ended up on a three way call with Ally where it was discovered that Ally processed the payoff incorrectly and was trying to claim that I still owed a car payment, which was not the case. By the end of the call, Ally essentially admitted fault and cleared the account. They also stated that they would remove the incorrect report to XXXX. When I got my results from XXXX they stated that the delinquency was verified to be accurate. They did show that the account has since been settled but they still did not put my credit score back to where it was because of the incorrect report. 

I am also including XXXX in this complaint because I called three times and they did not look into it at all until the third call. This could have been avoided if they would have taken care of it the first time I called. In addition they were the ones who wrote the initial check in the wrong amount, causing the entire issue.

Company response to consumer: Closed with explanation