BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2021 Received a notification about a wire transaction that was taking place which I did not authorize. I immediately tried to log into my account and was locked out. I called Wells Fargo to tell them about what was going on and that I did not authorize two wire transactions for a XXXX. They opened another account for me and I filed a complaint for the two wire transactions and was told it would take up to 10 business days to be resolved. 
XX/XX/2021 I checked my new account and saw that the funds for one of the transactions had been taken out of my new account. Called Wells Fargo and filed another complaint and again was told it would take up to 10 business days to be resolved.

2 weeks later I called back to find out that they had denied one of the claims saying it was not fraud. The two wire transactions were for the same account and they denied the one saying they could not detect fraud. I asked for them to to reopen the case or if I could speak to someone that could help me resolve this issue. I was told that a supervisor of some sort would be contacting me within 2 business days. No one ever called me.

( Wells Fargo records conversations )

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 2018-01-26
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed due to a financial hardship.

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 2021-03-24
Company: EQUIFAX, 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:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX  XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: DC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX XXXX XXXX, requested that Specialized Loan Servicing LLC provide proof of this debt by showing my proof of the note in a letter dated XX/XX/2017. SLS LLC stated in their document to me that they were only the service provider of this note in letter dated XX/XX/2017 signed by XXXX IDXXXX. I told them that this violated my original contract. TXXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX as successor Indenture trustee to XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is listed on their letter as the current creditor. SLS has admitted that they are not the owner! I DEMAND SLS LLC show my original note that I signed within 5 business days of receipt of FULLY REFUND all of my payments, interest and fees to the account on file with XXXX XXXX ending in XXXX. Afterwards, release my lien and all closing documents to the address listed on file.

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 2020-04-26
Company: PNC Bank N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello I tried to link my bank accounts to a budget app and pnc in blocking my acess. My account is not in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Pa XXXX Soc Sec # XXXX XX/XX/21 Equifax Attn : XXXX XXXX - President, CEO & XXXX XXXX : Consumer Report Certified Mail # XXXX To XXXX XXXX : Under 15 US Code 1681 ( a ) ( 4 ) -Permissible Purpose of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. A copy of this law is attached with this dispute letter. 

Concerning cases listed below ( Exhibit A-Consumer Report ) as a Consumer, I am demanding that ALL information your company is reporting negatively including late reporting on these particular accounts be reported as on-time positively, with a Zero Utilization of each account immediately. I have attached the Exhibits

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I WAS NEVER UNDER TH IMPRESSION THAT I WERE USING ALL LOANS TO COVER SCHOOLING. I WAS UNDER THE IMPRESSION THAT I WAS USING FINANCIAL AIDE AS WELL.i NEED TO KNOW WHY WERE SO MANY LOANS BEING USED.AND AFTER SCHOOL I FIND OUT THE CLASSES WERE NOT  ACCREDITED. PLEASE CONTACT ME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data n my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
WHY is it that XXXX  & TransUnion have a public record listed in a fictitious name supposedly impersonating me? 

I've contacted the court for the supposed Bankruptcy however they stated that they never verified misinformation about a corporate fiction in my supposed name. I am the living soul, XXXX XXXX. 

Please remove any public records that aren't accurate. 

I've been asking the bureaus this for years!

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 2022-08-14
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-01-05
Company: Nathan & Nathan, P.C.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received an affidavit from Nathan and Nathan P.C. back in XXXX stating that I owed XXXX XXXX XXXX. I was not aware of my rights at the time, so I didn't request validation. I contacted Nathan and Nathan P.C. to set up payments for the alleged XXXX XXXX debt. although it had been charged off. I ended up making two payments in the amount of XXXX around XX/XX/XXXX and XX/XX/XXXX. In XXXX XX/XX/XXXX I received a letter from Nathan and Nathan P.C stating that if I was going to receive a tax refund, I should consider payment and if I choose to pay, they will give me a deal instead of paying XXXX I can pay XXXX. I never responded to the letter. XXXX XXXX I was at work on payday and checked my account and noticed that my check was really short. I began to do my research at work and found a letter in my email stating my job received a letter from the courts to garnish my wages 25 % I was devasted to say the least. I then called the courts to see what my options were because I could not survive off the amount that was left to take care of my family. The courts directed me to do a slow pay where I can go in front of the judge and tell him what I can afford. XX/XX/XXXX the judge allowed me to pay XXXX/month for 6months and in 6months he instructed me to come back to see if my financial situation was better so that I can pay more. XX/XX/XXXX, I sent Nathan and Nathan a debt validation letter along with a cease and desist. XXXX, I received a letter from XXXX XXXX  stating that they investigated my account and found that no fraud had been found on my account and that they have not made any adjustments and if I have any question to contact the third party that handles the account. which lead me to believe that Nathan and Nathan P.C. reached out to XXXX  XXXX after they received my debt validation letter. they are trying to cover their tracks. yet I still haven't received validation from them as of yet and it has been over thirty days however, I did receive the green certified card back that I sent along with the letter, so I know they received the letter but have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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:
There were two accounts that appeared on my Equifax credit report from XXXX XXXX XXXX. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to XXXX XXXX XXXX. to validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. 

I mailed a certified letter to Equifax on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from Equifax dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my Equifax credit file confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday XX/XX/2022 I received a direct deposit of XXXX of that {$570.00} was supposed to be auto sent to a secured credit account I have with chime the money never made it into the credit account and never came back into my checking account I transferred a total of {$2200.00} into my credit account and {$570.00} is still missing chime bank refuses to give me an answer and says that I received the funds a customer service representative did the math and agreed I had money missing and I have put in multiple escalations and the company hasnt responded besides to say I cant dispute the transaction and the money is there but it is not reflecting on my side and customer service keeps bouncing my calls and telling me the same thing that nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Sequium Asset Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2018, we attempted to XXXX XXXX. They did not have the equipment necessary to supply the service. It was cancelled and never used. They still charged {$100.00} even they we never received their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax, First of all I would like to thank you for removing my fraudulent information reporting on my file. But In doing so you s also decided to delete my 4 Student Loans, XXXX Account, last year you removed two XXXX XXXX Accounts, 3 XXXX accounts, and a XXXX. I am currently requesting that you place my correctly paid as agreed accounts to my report and stop reporting the fraudulent information. I have enclosed a copy of my credit report showing accurate information that needs to report and not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
disputed with capital one and information came back with an address that didnt bong to me ( belong to ex ). never received any information on account that was closed out/charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before I file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following inquiries listed on my credit file that was observed by me were not authorized/ consented and are fraudulent. Below are the listed Hard Inquiries that are on my Equifax credit report. I am requesting for deletion of these fraudulent unauthorized inquiries. 

Equifax XXXX XX/XX/2021 XXXX XXXX- XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on the XX/XX/XXXX I was double-billed by XXXX XXXX and the Bank of America paid 2 identical payments of XXXX. The bank refuses to return the money. I called the branch and was told they couldn't do anything, I called customer service, what a joke, they said go to the branch. All of this XXXX XXXX nonsense over an obvious double bill. Who pays 2 identical payments to a vendor on the same day? No one. Their online dispute form isn't available and may or may not be in 24 hours. This bank is a dreadful grift on the American people and needs to be broken up in a thousand pieces. I want to close the account but you can see the difficulty when they're talking 45 days to resolve a minor dispute. They are really mind boggling incompetent. They might be big but they're not very good, pathetic in fact. Can't even do sums. 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 monetary relief
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: AE
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 SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.

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 2020-10-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Some one in XXXX opened an account in my name it was not me I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Fraud on 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