BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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 is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: VA
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score 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 non-monetary relief
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
At the beginning of XXXX, I applied for a checking and savings account with Wells Fargo. 

On XX/XX/2021, I received an email stating my accounts have been approved and welcoming me to Wells Fargo. 

On XX/XX/2021, I received an email from Wells Fargo for each account, stating that they have made a business decision to close each of the XXXX accounts. 

Unfortunately for me, this was after my XXXX funding transfer from my previous bank ( XXXX ) had already been withdrawn from my account and my old accounts closed. 

After trying to work with XXXX and Wells Fargo, both have been unable to help me get my {$360.00} back. 

XXXX says Wells Fargo has withdrawn it and should have it ; Wells Fargo says it should have been returned to XXXX when the accounts were closed. The XXXX case number was XXXX. The XXXX case number was : XXXX. 

The money never credited to either of the new accounts ; the {$330.00} to the new XXXX savings and {$25.00} to the new XXXX checking.

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 2021-06-27
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020, Cash App, an online bank, literally stole XXXX dollars from my account and forwarded it to an unknown destination. 
They claim I authorized them to send the XXXX dollars to my bank account at XXXX XXXX . That is false. My bank account at XXXX XXXX had been closed in XXXX of XXXX and did not exist. I never told them to send my money anywhere and they refuse to provide any sort of authorization from me telling them to do so. This so called investigation by cash app had been going on for months when they informed me they terminated the investigation because I had authorized the transfer. I DID NOT KNOW ANYTHING ABOUT THIS TRANSFER AND HAD NO XXXX XXXX ACCOUNT AT THAT TIME. They literally stole {$800.00} dollars from my account and will not give it back. I have communicated with 10 different members of cash app and all would say they would look into it but nothing was done. The case number of that supposed investigation is : XXXX. 
Please help me get my money back. Thank you. This corrupt bank took advantage of a XXXX senior citizen and they need to be held accountable for their dishonest actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is One Main Financial located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. We are working on a debt consolidation with XXXX XXXX XXXX and we have sent a cease contact with us. But they continue to call myself and my husband at our phone numbers at ( XXXX ) XXXX and XXXX. I get about two calls per day and my husband gets two calls per day. They leave messages on my voice mail and will not quit. I would like this to stop and work with XXXX XXXX. I lost my job two years ago and am under employed and ca n't continue to make the payments so, we went to XXXX XXXX to help us resolve our debt. Attached are documents that we have sent to stop the calls. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Radius Global. Radius Global does not have a certificate of Authority to do business in Alabama. Radius Global have not sent me a dunning letter but they have put a fraudulent account on my credit report.Radius Global do not have the authority to collect any money from me.Radius Global is guilty of racketeering, forgery, and obstruction of justice.Radius Global is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Radius Global, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Radius Global. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company XXXX of fdcpa.Acccording to the FDCPA XXXX I am owed money for all violations

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 2022-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This complaint is not being filed by a 3rd party and is not a duplicate complaint.

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have 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. 


XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DP OF EDUC Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT ED/XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account 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 2022-08-31
Company: Experian Information Solutions Inc.
State: MD
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:
The agencies in this dispute have NOT provided Credit Reports as requested and required by law. They have numerous errors consistently. The score is incorrect and shoots high and low over no changes and it hurting my credit worthiness. 

They are still reporting me as high balance having as an authorized user when I have been removed from the debt since the credit holder filed bankruptcy- XXXX XXXX 2 accounts {$14000.00} & {$3000.00} XXXX XXXX XXXX  {$3000.00} XXXX XXXX {$500.00} Balance on my debt is incorrect and outrageous due to incorrect reporting XXXX  is in my name and I have never had an account with them ever They are reporting more than one address They have held my reports and not update 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 non-monetary relief
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit report from annual credit report.com about 5 months ago. The web site returns a message that they can not give me any information. I then contacted each of the credit reporting agencies directly Equifax, XXXX, and XXXX. I get the same response from each of them. The information requested name, DOB, and SSN is sufficient to identify me. These companies also share data with the commercial data aggregator/broker industry which has caused me problems with identity verification when I applied for my government pension and now my social security due to having other peoples data mixed up with mine. This has also caused other problems like being dropped from my states active voter list, frequently having to verify my address with the Postal Service, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2017-06-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted all the paperwork requested in XX/XX/XXXXand XX/XX/XXXX. I resubmitted all this paperwork after I learned by accident that Carrington had rescheduled the foreclosure of my home of 29 years.
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This process started with XXXX XXXX XXXX and my loan was transferred to Carrington in XXXX. This never ending submission of forms have been going on for 5-6 years while I live in fear and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has retaliated against me since I first lodged a complaint with the CFPB. Experian has continued to report the XXXX XXXX Account long after they were ordered to remove it. I have continually paid off all my credit cards and my score doesnt reflect my balances or ratios Experian sets forth in their own Paid Programs. Experian retaliatory nature in the last 3 years has consistently cost me huge interest rates compared to others in similar financial situations. I have had to use Banks that rely on XXXX because Experian is and always has been XXXX points below XXXX XXXX and XXXX. I had finally found an Employee that was willing to do the right thing and finally remove the XXXX XXXXXXXX account about 90 days ago and my Score went to XXXX and as soon as someone found out that employee helped me they immediately lowered my score to XXXX the XXXX and I paid off the balances again that lowered my score and I am still at a XXXX according to the decline letter that I just received from XXXX after 33 years banking with them. They have turned me down 4 times because of Experian reports. I have perfect credit and have never filed Bankruptcy or even been 30 days late! Ever! 
When you join Experian Credit Monitoring and pay every month and you follow all of their exact rules and hold their published ratios and have zero public records or lates or collection accounts and you have the same score you had in 2016 and have paid every account like clockwork and continually do so. Enough is enough!

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 2022-08-31
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: Was not notified of investigation status or results

Complaint:
Hello, I explained my issue with the late payment in my open account. It was technical error that resulted in the late payment mark in my report. Please give me some feedback as it has been already more than 60 days even. 

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 non-monetary relief
Consumer complaint received 2020-08-03
Company: Cadence Bank
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of this year my business discovered that a check ( {$240.00} ) which we mailed ( In XX/XX/2020 ) had been intercepted, washed and cashed for ( {$6800.00} ) an amount much greater than what we originally submitted the check for. We notified our bank ( BancorpSouth ) as soon as we discovered the issue and after several weeks, they advised that due to the check being cashed at a different bank ( XXXX ). After numerous attempts to have our bank intercede, we notified the local post master and the local ( XXXX, AL ) Police Department who knew that a crime ring had stolen and washed numerous checks from our area. Detective XXXX XXXX with the XXXX ( Alabama ) Police department took our complaint and reportedly issued subpoenas to both banks. Detective XXXX also spoke to the FDIC who states that our check should have been covered by the FDIC. I approached our bank ( BancorpSouth ) about submitting the issue to the FDIC, however our bank states that too much time had passed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
All of my mortgage accounts get paid via bill pay from  XXXX   XXXX .   XXXX    XXXX   XXXX  has sold my lo an to Carrington. W hen this loan was transferred over there was a negative amount in escrow account at   XXXX    XXXX   XXXX . Per escrow instructions, I was paying down the negative over 12 month period with my payments . Carrington computer system has expected illegally to collect full escrow negative from my mortgage payment. Per fair credit act this is prohibited. In addition, I was never correctly notified that my payments were going into suspense and late fees were adding up. I only found out because of inaccurate reporting to the credit bureaus and my credit score going down for miss ing payments that  XXXX  has made on time. I have made additional payments to the account to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Date Opened XXXX Balance $ XXXX-Late/Open Late Dates XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/22, XXXX XXXX XXXX XXXX Date Opened XXXX Balance XXXX XXXX-Late/Closed Late Date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: CA
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:
In XX/XX/XXXX an account was taken out in my name in XXXX Florida for the amount of {$5000.00}. At that time, I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, removed it from my report and added a fraud statement to my account. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and " certified '' that this was my account. To this day I have not been able to get in touch with this company nor received any proof that I took out this loan. I re-disputed with Equifax in XX/XX/XXXX and they denied my dispute, even though they agreed that all XXXX addresses associated with my name were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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