BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-05
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2023-03-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank continues to call more than 10 times a day I find this the most harassing from a company that has took over an account that has put this on my credit report 3 times for 1 account with 3 different amounts owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
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:
It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and XXXX. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. ACCOUNTS : DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, and DEPT OF ED/XXXX XXXX. Please remove these accounts 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 explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/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 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 2019-04-03
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a tax bill from XXXX County in the amount of {$300.00} due by XX/XX/XXXX. Spoke to mortgage department representative ( XXXX ) at PNC Bank on XX/XX/XXXX and asked if I should pay the bill. Representative told me PNC Bank would pay the bill because they received it. Spoke with mortgage department representative ( XXXX ) at PNC Bank on XX/XX/XXXX. PNC Bank DID NOT pay the bill. Spoke with XXXX County Tax Commissioner 's office on XX/XX/XXXX and there was a {$12.00} penalty fee attached to the account. Received second tax bill for the city in the amount of {$54.00} which has to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Promotional purchase states to avoid paying accrued interest charges on any deferred interest promotional balance you must pay at least your minimum payment due, if any and the entire applicable promotional balance by the expiration date it also states that if your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available. When I called to pay off the promotional balance I was told I could not have money allocated to the no interest promotion that any balance after its expiring will be rolled over to the non promotional balance and be subject to interest but they don't let you pay it off in full.

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 2023-03-23
Company: First Federal Credit Control, 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: Account information incorrect

Complaint:
I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * First Federal Credit : Account Number : # XXXX For all 3 credit Bureaus * XXXX XXXX XXXX  XXXX Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Contacted a firm - XXXX XXXX ( seller ) whose email had unknowingly been hacked, to inquire about a product ( XXXX ) for sale, unbeknownst to me ( buyer ) & seller, an intermediary was relaying email messages between buyer and seller. At the point the seller sent bank wire info, intermediary substituted the Email attachment with correct bank info with his own attachment with intermediary 's fraudulent bank account information. 

I issued recall request with my bank ( XXXX XXXX XXXX XXXX ) but the receiving bank ( Wells Fargo ) denied the request to return funds ( {$8200.00} ) despite stating in their formal response that account holder name and account information did not match the beneficiary information in the wire transfer.

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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Capitol one was paid for cash advance in full on XX/XX/2022, The money that was paid was dedicated for the cash advance payment of {$320.00}. 
The company allocated the payment to there benefit to extort additional payments, interest and late fees. 
This is a form of theft from elderly abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From : XXXX [ mailto : XXXX ] Sent : Saturday, XX/XX/XXXX XXXX XXXX To : XXXX ; <XXXX> Cc : XXXXquestions <XXXX> ; XXXX   <XXXX> Subject : Re : Loan XXXX Online Payment Fees Greetings, You recently acquired our loan without our intention or wishes. In over 13 years we have never been charged a {$15.00} fee to pay our loan online through the original lender, XXXX. We are not happy or satisfied that SPS charges {$15.00} for the pleasure of accepting online ACH payments. This means we would have been serviced at the tune of over {$2300.00} in monthly fees on our original loan from XXXX. 

According to your website, XXXX XXXX XXXX your company has three core values, Integrity, Intelligence and Intensity. I suggest you review Integrity and Intensity.

Integrity : " We work honestly and fairly with all customers, clients and co-workers. '' $ 15/month for ACH payments is shameful and wholly unfair and dishonest as these are automated cash transactions between financial institutions. 

Intensity : " We work hard to exceed expectations. '' " We always honor our client and customer commitments. '' " We deliver superior service to every customer, every client, every day. '' This is the first interaction we've had with your company. SPS has completely failed our expectations. We expect acceptance of full timely payments to only include interest, principle, and escrow.

Please explain how SPS is honoring a commitment we have never entered into or agreed to regarding these fees?

We challenge SPS to fully explain how your company 's {$15.00} additional payment penalty fee delivers us superior service? 

This personal financial correspondence has specifically been addressed to the Commonwealth of Virginia 's State Corporation Commission, Bureau of Financial Institutions Division, for their consideration and attention to this matter. We eagerly anticipate SPS ' response.

Very Sincerely, Homeowner 1 Homeowner 2

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2012, Wells Fargo strung us along for almost a year, telling me the loan modification for our home mortgage was approved but then kept saying we need more paperwork... it was a game they played until the time ran out. 
I have a very thick file of all our correspondence.

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 2022-07-12
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:
Fraudulently inquiries made without Consent and Authorization. 
XXXX Bank XX/XX/2022 DEPT OF XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: GA
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 the negative information on my credit report. It is now XX/XX/2021. I have not gotten any results as of today. Please, I need help. The negative information is holding my life up. I believe my information could have been in the XXXX  and Equifax data breach. I'm trying my best to get the problem fix but the bureau are not responding. This plus Covid has taken a toll on my life, and it is very stressful. I feel as they are taken advantage of me. Can you please delete the negative information. The negative information is not fair nor accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and XXXX. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2021-08-25
Company: Experian Information Solutions Inc.
State: DE
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:
All credit bureaus are reporting that bankruptcy that are not verified and the data furnisher has already admitted to errors in reporting but credit bureaus can not supply me with court certified and verified copies of bankruptcies after their so called investigations.

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 2022-07-12
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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

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 2021-06-28
Company: EQUIFAX, INC.
State: NC
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report it has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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: Their investigation did not fix an error on your report

Complaint:
Equifax will an online dispute from me. wrote them with no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX in the original debt collector was XXXX XXXX XXXX XXXX XXXX XXXX this account was closed due to it being old and it was sold to another collection agency and their prices arent matching. Their original creditor was requesting {$920.00} and the company they sold my information to without my consent is requesting I pay them XXXX I also have requested the company that bought my information without my consent to show me the original contract showing that this day is mine, and they also have not given me that information even though I show them that the information is incorrect, they keep saying its verified when you can clearly see its not.

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