BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-24
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There are " numerous '' accounts that were possibly accidentally deleted from my credit report and it damaged my report and scores tremendously. I contacted Equifax and spent over an hour with the representative, however, the representative indicated that my old " good '' accounts are forever deleted! This is now putting a strain on my good credit rating. I have attached all my OLD accounts that were accidentally deleted that needs to be put back on my Equifax Report. 

** I have provided a document that shows ALL the good accounts deleted. 

** I have provided a one month old credit report that dictates all the older information ( some of which I have disputed for ID Theft, but includes the " good accounts that should have NOT been deleted that shows in the deleted documents ), and ** I have provided a CURRENT credit report that " no longer '' show that good accounts which SHOULD be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of the financial institutions above all violated15 U.S. Code 1681c - Requirements relating to information contained in consumer reports also15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not affiliated with EQUIFAX they can not disclose any nonpublic information to EQUIFAX without my consent which I have not given any consent. Also have violated 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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:
I am interested in processing disputes to delete all inaccurate information on my credit report with experian. please review an delete the following information. this has been hurting my file for years. delete this items to fix my credit report asap.

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 2023-05-17
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent in a No Parking, Cease & Desist, refusal to pay for a balance of 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 2021-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WF CRD SVC Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$610.00} Reason : Identity theft Please remove it 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 2019-10-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-07-12
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. Despite all credit agencies having the same account information, it appears Experian is disproportionally charging me with two erroneous delinquencies, thus unjustly impeding my credit score. It is clear by the 18 point difference between XXXX  and Experian. When speaking to the Experian representative on XX/XX/XXXX, she cited XXXX XXXX with account number XXXX as one of the erroneous two delinquent accounts circled on the enclosed page. Despite the other two agencies enclosed not citing any other delinquencies, Experian chose to cite this company even though it has not been servicing my loans for several years, and has been transferred and sold to XXXX. 

The customer service representative was abrupt and evasive when trying to explain why I was being treated differently than the other two credit boroughs. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX XXXX XXXX, and my current education loan through 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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION has refused to rectify its affairs per my consumer report and has violated my federally protected consumer rights. They have reported a late payment ( for the month of XX/XX/XXXX ) which by their internal data, was not reported late and was ON TIME. This data was provided by the data furnisher XXXX XXXX ( paid XX/XX/XXXX and the due date was XX/XX/XXXX ), which is an on-time payment. This is a violation of 15 USC 6801 Protection of nonpublic personal information and 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) Definitions ; rules of construction. I have sent several disputes via certified mail via USPS and nothing has changed.

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 2018-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At XXXX XXXX  on XX/XX/2018 I was advised by XXXX after dialing in to XXXX that he could not process my mortgage payment for me. While Wells Fargo has repeatedly lied to you about my case which involves their breach of federal and state law and has nothing to do with my mortgage directly XXXX told me that he can not take my payment for XX/XX/2018 BECAUSE of the lawsuit I filed against Wells. In fact and as a matter of law parties to civil litigation in California may freely interact without regard to their status as litigants ( XXXX XXXX, CA XXXX XXXX ). My lawsuit against Wells is available on XXXX ( XXXX ) and is filed in the XXXX XXXX of California. It is incomprehensible that the simple processing of a mortgage payment has been delayed because Wells Fargo is literally playing games because I had the audacity to sue them for breaking the law. This is absolutely unacceptable and I will also be notifying the media AND my elected federal representatives. You need to DO something this time to make them pay for being willfully ignorant.

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 2019-10-24
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-24
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had made payments on the payment due date, and they still report to credit bearers that the account was 3 months late.. I talked to a XXXX  supervisor and they agreed with me that the fees and late status was wrong...

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 2019-10-24
Company: LoanCare, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XXXX XXXX 2019, Loan Care had obtained our mortgage loan from XXXX XXXX XXXX. No information was provided to make the online payment or where to make the payment. In XXXX 2019 we received information after several calls to get information. Loan Care provided a web address to make payment online, however their system was not working to process the payment. We called Loan Care more than 5 times to send us information regarding where to make the payment to. Loan Care provided an address which turned out to be the XXXX XXXX processing center when our payment should have gone to the XXXX processing center. They have agreed that it was their mistake however still reported us late. Loan Care did not charge us a late fee for the month of XXXX because it was their mistake. In XXXX they also reported us late however never charged us a late fee. We have had our mortgage for 7 years and never missed one payment. In fact in XXXX we paid 2 months worth or the mortgage because they said they never received our XXXX payment. Later we find out it did in fact come off our principal. I know have 2 late payments in which Loan Care will not provide a way to dispute. I called Loan Care and complained and the rep stated she was in fact filing the dispute while I was on the phone. I waited 4 weeks to call and follow up and they state no dispute was ever filed. This company is horrible and come to find out SEVERAL people are complaining about this same issue. Double billing and reporting late to credit bureaus when in fact no late payments were made at the error on my behalf. I am beyond the point of anger when it comes to Loan Care and their terrible customer service. 

PLEASE HELP

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 2023-02-15
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}

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 explanation
Consumer complaint received 2019-10-24
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by XXXX in regards to a job with XXXX XXXX on XX/XX/XXXX. These people pursued to offer me a position and send me a " bonus '' check on XX/XX/XXXX. Through my PNC Application, I uploaded pictures of this check and PNC accepted the mobile deposit. I waited the appropriate timeline per our customer agreement for PNC to clear the funds and release the funds into my account prior to making any transactions. I made two separate transactions several days after PNC released the funds, at this time the check had been deposited into my account. A few days later, PNC withdrew the check from my account claiming insufficient funds, as a result of a fraudulent check from the aforementioned XXXX XXXX, causing my account to be overdrawn. When I became aware of this, I immediately went into the PNC on XX/XX/XXXX, to discuss the issue and the overdraft. During the discussions, I was told that PNC was going to open two disputes within PNC in regards to the fraudulent checks. I asked to dispute the fraudulent check and asked why PNC would release funds into my account without verifying the funding source. I also inquired about why PNC would allow transfers out of my account without verifying I had those funds in my account as well. I was also told that PNC would defer my overdraft fees at least 30 days after this was resolved and they had lied to me about this and started charging me the day they denied the disputes on their end. PNC has informed me on XX/XX/XXXX that my disputes were denied, however my disputes were filed within XXXX, regarding the transfers out of my account. There were no disputes placed on PNC for the Fraudulent check and PNC 's verification process behind transfers in or out of my account. Today, XX/XX/XXXX, I called a number given to me on the dispute to obtain documentation regarding the resolution. The lady from PNC told me that there were no documents and also that there was no way to dispute Fraudulent checks within PNC. Since there is no formal dispute for Fraud, she offered to leave a note from a supervisor to contact me. 

I have also contacted the FBI and my local police department in regards to this situation. Ultimately, my issue lies with PNC not performing internal controls around customer deposit accounts or performing due diligence for checks coming in from financial institutions or performing due diligence/settlement procedures for customer deposit accounts prior to funds release. The financial institution 's lack of controls and due diligence facilitate and enable fraudulent behavior and allow malicious agents to continue to defraud consumers while PNC profits from their deficiencies and the bad actors via assessments of overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im a victim of idenity theft by a family member which im currently seeking legal action

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