BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo Bank Auto Loans is forcing the establishment of a Wells Fargo Bank Account linked to my personal bank account for online payment of my outstanding auto loan. Upon initial payment on XXXX, I chose to pay my loan via Wells Fargo Bank 's online Web Site using a one-time " webdirect '' payment. This webdirect payment did not require permanent credentials or personal bank account information to be stored with Wells Fargo Bank. It was a one-time payment of a loan and NOT a Wells Fargo Bank Account Transaction . This payment option was in effect until XXXX. On XXXX, I was presented with a captive portal that would not allow me to make my loan payment without establishing a Wells Fargo Bank Account linked to my personal bank. There is no way around this forced payment method. See attached screenshots for details. My only option was to make a payment through their Customer Service Phone Number. The Customer Service Agents inform me that I am not supposed to use their service for my loan payments. Furthermore, these Agents exercise additional Wells Fargo Bank Policies limiting the form of payment such as disallowing the use of credit cards. AND, they threaten to assess a service fee. I don't want a Wells Fargo Bank Account! I just want to pay my loan. The captive portal violates my loan agreement as the loan does not specify any form of U.S. legal tender in making my loan payment. Wells Fargo Bank is just phishing my personal and confidential financial information for no legitimate reason that they have provided me. Furthermore, I was never informed of the payment change that took place on XXXX. Wells Fargo Bank is also known to have violated the public trust in numerous criminal actions that violated the confidentiality of critical financial data of both their customers and non-customers. I demand that Wells Fargo Bank Auto Loans cease and desist in the extremely predatory behaviour! 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 monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX XXXX XXXX payment in the amount of {$1000.00} for XX/XX/XXXX is incorrectly showing 30 days late on my credit report. It was not late. 

If you look at the attached XXXX response letter ( dated XX/XX/XXXX ) to the Complaint, you will see that XXXX did not deny that XX/XX/XXXX is incorrectly showing 30 days late, but said I should take up the issue with Experian. To me, thats the same as saying its Experians fault ( the error is on the credit bureaus end ) that caused the XX/XX/XXXX payment to incorrectly show 30 days late. 

Therefore, since the XX/XX/XXXX payment was paid on time, and is incorrectly showing 30 days late on the Experian credit report, I am requesting that Experian correct the credit report by removing this 30-day late 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 2023-03-07
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:
In accordance with the Fair Credit Reporting act USDOE/XXXX  account # XXXX, USDOEXXXX account # XXXX, DEPTEDXXXX account # XXXX, OR CHILD SUP account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: DE
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, Account # : XXXX, is still reporting incorrectly. This account has been PAID IN FULL and CLOSED by " XXXX '' from XXXX XXXX. 

XXXX XXXX XXXX XXXX is still reporting my credit card balance as {$1000.00} on both Equifax and XXXX but has been paid down to a balance of {$36.00}. Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called IC Systems on XX/XX/2020 to dispute a XXXX XXXX XXXX bill as not mine. IC Systems sent a Request to their client but got no responce. I called IC Systems on XX/XX/XXXX to inquire why the collection was still on my credit reports and the account was not closed. They gave me the run around and refused to close the account or remove the collections even though they could not provide any documentation to prove it was my bill

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 2017-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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 have had several inquires on my credit file that are not mine, obviously they are fraud! I called the companies to have them removed with no results. I have also contacted the XXXX customer service dept and they keep telling me, they do not investigate these matters without a police report. I have tried calling the police where the inquires originated, unfortunately they say I need to be in their state to report this in person. I have seen my credit drop over 100 points because of this fraud action against me. I need some assistance at this point.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: PA
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:
I have contacted XXXX several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. XXXX received a tax deduction for this charged off account : XXXX but i never received my 1099c form this is tax fraud XXXX has committed. this account is inaccurately being reported to all three of my consumer reports. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX, Account number : XXXX Reporting an inaccurate late payments on XX/XX/, XX/XX/, XX/XX/. 
Account name : # XXXX XXXX Reporting an inaccurate late payments on XX/XX/, XX/XX/, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-01-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent an affidavit ( Attached below ) concerning some inaccurate accounts, addresses, and names reporting on my credit profile they maintain under my social security number. 

This information is reporting is incomplete and can not be verified under the accurate method of verification under 611 ( a ) ( 6 ) and ( 7 ). Section 607 ( b ) requires you to maintain " reasonable '' procedures to assure maximum possible accuracy. 
In the judgement of XXXX vs Experian, reasonable procedures to assure maximum possible accuracy '' of my credit report should be insured. See 15 U.S.C. 1681e ( b ). 
Under FCRA within 15 days it must be re-investigated 611 ( 6 ) ( B ) ( iii ) to permanently delete the inaccurate and incomplete accounts that are being reported on the credit profile maintained under my social security number. 

For the record : My name is XXXX XXXX ( see attached drivers license ) and my address is : XXXX XXXX XXXX XXXX XXXX, XXXX MS XXXX Please remove all other name variations and addresses from my credit report as they are not reportable per the FCRA, and inaccurate. Remove all other reporting addresses listed below that should be deleted from my credit file that I never resided in, and may possibly be listed on my credit report due to fraud. Enclosed are my Notarized drivers license and recent bank statement verifying my address and identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Closed Account Reporting as written off Incorrect High Balance {$1200.00} Reporting XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Invalid Furnisher Reporting XXXX XXXX Account Number XXXX Unverified Account Inaccurate/Unknown Account XXXX  XXXX XXXX  Account Number XXXX Inaccurate Account Number and High Balance of {$610.00} Reporting Inaccurate Reporting as " collection '' account was closed

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 2023-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: SYNCHRONY FINANCIAL
State: AR
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:
These are not my enquiries and are unauthorized XXXX  XXXX date : XX/XX/2022 XXXX XXXX XX/XX/2022. Synchrony Bank XX/XX/2022 2022

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 2017-11-03
Company: Commonwealth Financial Systems, Inc.
State: TX
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:
Common wealth financial @ XXXX XXXX XXXX XXXX XXXX, PA XXXX, phone number ( XXXX ) XXXX. 
has called me several times and hangs up on me when I ask them to send me a copy of the contract signed where the account belongs to me, and they refuse to send it to me and to remove the negative file even though I have requested a dispute from XXXX, they consistently and illegally Harrass me on my cell phone and try to collect a debt that does not believe my to me. Please contact me for any questions. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/23 : This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check for {$10000.00} to my Bank of America account. 

Due to Bank of America 's error, the check was returned three days later ( XX/XX/XXXX ) despite being completely valid ( which was confirmed by the issuing bank ). 

On XX/XX/XXXX I called Bank of America and explained the situation but they refused to help me in any way. They told me to visit a branch for assistance. I visited a local Bank of America branch where they also refused to help me. 

Bank of America refused to credit my account or take any action to correct their mistake. This resulted in me being unable to access my money and violated their published policy on availability of deposited funds.

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 2023-12-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today, XX/XX/2023, my Equifax credit score dropped XXXX points. When I went to check why, there were XXXX minor changes to balances on existing accounts, in both directions, all of which were less than {$50.00}. I called Equifax to find out why, only to be told that not only can Customer Service not explain the massive drop, neither can anyone else reachable by me. Im applying for an apartment and this could destroy my ability to do so. Theres no way to contact them directly except by phone, which does not have the capacity even to explain the problem. This system is completely broken. For something so necessary to modern life, the calculation of a credit score should be completely transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
I have sent an identity theft affidavit with a police report number attached to XXXX XXXX several times and XXXX, Experian and XXXX and this account still has not been removed from my credit report. This account is illegally on my report and I want it removed immediately!

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 2019-04-29
Company: I.C. System, Inc.
State: AP
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company made no effort to contact me about the debt. I've asked for verification of the debt months ago and never received a statement or verification. I submitted a complaint and their response was that they could not find a debt that matched the information provided, so how were they able to submit it to the credit bureaus? I had to use their website to attempt to find a statement number and the website had a hard time finding it. I eventually found reference number XXXX and ID XXXX, but I do not know which number is relevant to the account. I have no knowledge of an account number at all.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

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 2023-02-12
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX at XXXX : XXXX XXXX XXXX XXXX at XXXX : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXXL XXXX Balance : {XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. I have sent paperwork pertaining to the fraud on my credit reports and it is not being submitted with my disputes. These accounts are still on my credit report, and this is a violation of the FCRA. And I am not getting copies of the verification process. The disputes I am submitting are not being followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation