BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I found some fraudulent charges on my Wells Fargo statement and went into the bank for help. My banker told me to go home and look at all of my statements for any other discrepancies and come back. I found over {$1000.00} of unrecognized/unauthorized charges going back about one year. I highlighted the questionable charges and went back to the bank. The banker then told me to go home and call these companies and try to get resolution. I went home and called the legit companies such as XXXX and XXXX. The other companies had no number to contact them.I went back into the bank and the banker also tried to locate the companies by online search, to no avail. He called the fraud department and helped me submit a claim. I was refunded {$120.00} and never heard back from fraud department regarding the remaining charges. I called today and was told by XXXX in XXXX department they refunded the {$120.00} but aren't even going to look into other claims because they are more than 60 days old. My banker never said there was a time limit and encouraged me to research this. This is not the first time I have had either fraudulent charges or attempts to charge against my account that was stopped. One of the fraud charges I was told they were coming in " through the back door '' of the bank. I am not sure what that means

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 monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: CA
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 Fair Credit Reporting Act XXXX  Account # XXXX Reported by XXXX XXXX XXXX and Account # XXXX also reported by XXXX XXXX XXXX Account # XXXX reported by XXXX XXXX XXXX Account # XXXX reported by XXXX XXXX  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 states a consumer reporting agency can not furnish any account without my consent.

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 2021-03-01
Company: EQUIFAX, INC.
State: AZ
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 & unknown information on my credit report be validated. To this date it has been 44 days and I still have not got a rebuttal of any kind in regards to this matter. 
I am sure that I am being taken advantage of and being totally ignored of my disputes. My information was also impacted by the Equifax data breach and may have been compromised as a result. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 44 days, so it should be deleted instantly. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: LA
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 have obtained copies of all three Credit Bureau 's Reports : In accordance with the fair credit reporting act the Accounts Listed below have violated my rights. 15 U.S.C. 1681 section 602 A status, 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. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
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:
My information has been breached with Equifax and my identity has been stolen. I have already resolved the issues with XXXX and XXXX but Equifax still has yet to answer my questions when I call about my credit report being compromised with accounts that do not belong with me. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime i tried to check the resukts i would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see two accounts that do not belong to me. XXXX and XXXX removed them so Equifax should fall in line and follow suit because they are violating my consumer rights under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX I attest that these accounts do not belong to me and I want them removed immediately to public records breached and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: MI
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 attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX response to CFPB ( page 13 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 10 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) WF was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; XXXX. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 19 - 20 ) Thus, XXXX improperly billed and reported inaccurate payment history to the XXXX and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX. 

The situation that transpired is one in which XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules led to the following harm : 1. Invalid derogatory CO status for XXXX, because invalid processing of forbearance and subsequent deferment resulted in billing and accounting irregularities from XXXX XX/XX/XXXX thru present from, progressing from initial thirty ( 30 ), to ninety ( 90 ), to one-hundred twenty ( 100 ) etc., until the account was charged off without me ever receiving a single bill for periods of deferment, and without receiving revised bills when the disaster forbearance was retroactively applied on or around XXXX XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is XXXX XXXX XXXX XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.

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 2020-10-19
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I still have not received a response from the 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 2023-01-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company XXXX XXXX  has refused to remove XXXX  XXXX and refund excess payments according to state and federal regulations. At the time of closing XXXX XXXX  down was provided yet the company is denying refund and removal of XXXX  and XXXX. The company denied initially they were collecting XXXX  on the phone which lead to further investigation on my behalf. At that time I said the company had reported collecting it on the annual statement yet it didn't appear on the website. I notified the CFPB immediately upon contacting XXXX to remove XXXX  XXXX and refund the overcharges. 

In addition the company did not uphold an agreement to forebear mortgage payments during a XXXX related reduction in pay. Forcing me to pay back payments rather than fulfill their agreement of forbearance. XXXX XXXX XXXX. 

This is now the third occurrence of the organization attempting to defraud it's lenders and I wish to have another mortgage servicing company in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.XXXX put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.

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 2020-09-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I tried activating my card but my bday doesnt match. Tried fixing the date but XXXX isnt taking walk ins so cant get a new Id until XX/XX/2020

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 2021-11-01
Company: EQUIFAX, INC.
State: TX
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 writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete these items at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: LoanCare, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We contacted our Lender about a refinance in XXXX of XXXX. They told us because of 2 previous late payments, we would need to apply for a modification instead. But to be approved for the modification, we must be 30 days late, but the late payments would be deleted upon approval. We didnt make our payment, and submitted the application. We still paid each month, but made sure it always was 30 days past due per their guidelines. What was supposed to be 45 day process turned into 7 months. Then they called us in XXXX telling us they " accidentally '' denied our application, but because it's different laws than a refi.. we would need to reapply and start the process over. We declined and immediately brought the loan current. I then for 4 months in a row disputed the required late payments, asking them to remove them from our credit, since it was what THEY required for the application process. They continually declined our requests to remove. 
On XX/XX/XXXX, I received a letter from them stating they had again received our dispute request to remove the late payments showing on our mortgage, from XX/XX/XXXX - XX/XX/XXXX. After not receiving any response I called in on XX/XX/XXXX, and was notified it was again denied. They then forwarded me a copy of the denial letter ( since we never received the denial letter by email or by mail ), which wasn't generated by them until XX/XX/XXXX. Outside of the 30 day FCRA guidelines. I then called them more than 15 times, letting them know they were over the 30 day limit, and now they were required by law to remove these late payments they were reporting. They STILL refuse to remove them. After dealing with this for over half the year now ... it was suggested I come to you for a resolution to get these removed, for not only their error in not responding within the required amount of time by the FCRA of 30 days, but for just not doing the right thing for their borrowers based on THEIR mistake and lies during our modification application process.

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 2020-09-10
Company: EQUIFAX, INC.
State: NH
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:
Equifax is reporting the address of XXXX XXXX XXXX XXXX NH On my credit report and continues to break the law by keeping it on my credit report After many disputes through my online account with them and they are not providing information on where they are getting this information from which is required under federal And NH state laws. 

XXXX link proving XXXX XXXX XXXX doesnt exist XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX doesnt even exist as an address. Why is this address intentionally put on my credit file when its fraud and doesnt exist? 

Any response from equifax telling me to contact them via phone Is not a legal response. I have a online account with equifax. Any response stating telling me I can do a dispute via online is just retaliation, abuse and an admission to doing fraud and breaking the law. Iv already done many disputes about this address with equifax. 

Consumer financial protection bureau should not be in conflict not be in conflict of interest With any consumer reporting agency including but not limited to equifax, XXXX, XXXX and XXXX. Knowingly refusing to remove information that doesnt exist is a crime. Refusing to provide where information is coming from during investigations is a crime. Refusing to look at evidence that Iv provided with my complaint through the consumer protection bureau means your breaking the law. 

I video tape anything coming in the mail FYI. To prove mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 explanation
Consumer complaint received 2016-07-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank holds now my account at Exxon Mobil. After 23 years they raised my interest to 25.24 % without notice. Then they lowered my credit limit AND NOW AGAIN without any previous notice has from XXXX day to the next, closed my account. I have NOT been late or missed any payments.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 several attempts that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1300.00}

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 2018-08-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/18 Received phone call ( not robo ) from " XXXX '' who asked for me by name and left voice message asking me to call back regarding a person named " XXXX XXXX '' Asked me to call back at : XXXX ext XXXX. 

The phone # used to call me is : XXXX XX/XX/18 I called back using XXXX, spoke with " XXXX '' who asked for my account # or SS #. I told him I didn't have an account and wouldn't give my SS # over the phone. I asked what company : it was Ally Financial. I asked what the call was related to and he said auto loan. I said I didn't have an auto loan and asked what this was related to. He said " XXXX XXXX '' I told him I would report this and asked for further information. This is what I got is : Ally Financial XXXX XXXX, Manager XXXX XXXX XXXX XXXX, Minnesota XXXX Phone : XXXX Web : www.allyfinancial.comXXXX Email : not given He said he would remove me from his call list.

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 2018-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In my Marital Settlement Agreement dated XXXX, Page 5 shows that the Bank of America Credit Card belongs to my ex wife XXXX. This was signed by the judge XXXX, in my Final Judgement for Dissolution of Marriage. I have been contacting Bank of America for the last month as this still appears on my credit, and my ex-wife has let it default. On the phone, I continue to get transferred to people who tell me they will look into it, and then nothing. I did receive attached letter dated XXXX, saying it could not be transferred to a 3rd party. She is NOT a third party and was on the initial qualification for this card. I have a court order that this is no longer my responsibility, and this needs to be removed from my credit.

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