BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 2022-08-09
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:
I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing mental anguish and XXXX  due to how I am being perceived due to these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 - {$500.00} {$500.00} XX/XX/2020 - {$250.00} {$490.00} I was contact through XXXX regarding a job opportunity to work from home for XXXX XXXX . I do not have the communication through XXXX  because the person blocked and deleted the messages. Also, blocked me from XXXX. They stated I would be doing XXXX XXXX for XXXX XXXX and they would send me funds to purchase the materials from Vendors they work with, along with a XXXX sign on bonus. 

A couple of days has passed once the funds was released they blocked me. I had know idea this was a scammed because I called the bank to verify funds and it was available. I tried to contact them but was unsuccessful. The bank was going to close the account but a representative from loss prevention called me on XX/XX/2020 at XXXX XXXX  ( CST ) I informed her what happened she stated she was not going to close the account due to a scam and my account should go back to positive. As of today, my account is still - {$1300.00}. My paycheck goes in this account and I had to stop it because I was going to be loosing money. I talked to the bank everyday and they will not help me. I did not receive the material to start work. 

Also, on XX/XX/XXXX I received an email from my bank stating my card was declined. They were trying to purchase an item from a company in CA. My card was turned off, even if it was it would not process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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: Personal information incorrect

Complaint:
I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recent attempted to do a refinance with my current mortgage company ( Freedom Mortgage ). The process was initiated towards the end of XXXX, I was put in contact with a loan officer by the name of XXXX XXXX. After speaking with him he sent me all the documents he needed me to sign ( via XXXX ). After all documents were received, he proceeded to explain to me that it would not be necessary for me to send my upcoming payment ( which was XXXX ) because I was going to be in the refinance stage. XXXX clearly stated that in fact I would skip 2 months so there was nothing for me to worry about. Around the 3rd week of XXXX I started getting phone calls from Freedom Mortgage asking where my payment was, I explained that I was in the refinance process. The 3 times that they called me they said " ok we will note it on your account '' and I thought that was that. Then the letters started pouring in to informing me that my account was now 30 days past due and that they had reported me to the credit bureaus. 

I have confronted XXXX with the matter however he continues to minimize or deny he ever told me to not send my payments. I have been made aware that Freedom Mortgage records all conversations so I would like the matter to investigated. I would like Freedom Mortgage to retract what they have submitted. My credit score is something I take very seriously and do everything to ensure it remains in good standing. I just found out today XXXX XX/XX/20 XXXX that my FICO score has gone from XXXX to XXXX. I am beyond infuriated to say the least, THIS IS AN OUTRAGE!!!!! I like most, rely on my credit ; what Freedom Mortgage has done is unacceptable and must be dealt with. 

Last but not least my payment history speaks for itself, if there are any doubts of what has really happened here simply look at my account.

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 2017-11-11
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent XXXX XXXX XXXX the letter below on XX/XX/XXXX. They received it on XX/XX/XXXX. It is now XX/XX/XXXX. I have yet to hear from them. They have yet to answer and it is already past the 30 day limit.
From : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, Mo XXXX  XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary document.
FXXXX XXXX XXXX, must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p, i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also need a copy of your Tax Registration certificate!
Failure to substantiate the claim, please settle account immediately within the next thirty days.
Sincerely, XXXX XXXX XXXX Executor of the Estate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
I pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company Specialized Loan Servicing ( SLS ) reported the loan payoff and final payment activity correctly. My credit report showed that SLS added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that SLS received full payment. 

On XX/XX/XXXX I sent SLS a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my SLS billing statement. 

On XX/XX/XXXX I received a response from SLS stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
experian is reporting mortgage balances as too high when i have only XXXX XXXX  ( XXXX XXXX XXXX ) specialized mort was bought and paid in full by XXXX which was bought and paid in full by XXXX XXXX XXXX, experian show specialize was bought/transferred to another office thus appearing i have more than one mortgage balance which is not correct -thus lowering my score, the other two agencies report this correctly experian score shows XXXX points credit score lower than transunion and XXXX  on this date, experian was slowest in removing inquiries-i just requested XXXX be removed within last couple of weeks ( they just removed them )

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 2020-11-27
Company: VW Credit
State: NH
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 signed up for Auto pay with VW Credit. They had my checking account information for this purpose. The multiple monthly payments were automatically deducted. Come XX/XX/2019, unbeknownst to me, the payment was not automatically withdrawn. Fast forward to XX/XX/2019, I get an alert stating my credit went down 70 points!! I see on my credit report that I was over 60 days in late payment to VW Credit. I called VW credit and talked to them about it. They said I wasn't enrolled in automatic payments. I told them this was untrue as payments were automatically deducted from my checking account. I finally got a supervisor and she admitted that " there must of been a computer glitch ''. However, she said she could not fix it herself. I would have to contact the credit bureaus. Which I did MULTIPLE times -- only XXXX, and XXXX updated their records to correct that I was NEVER late. In fact, not only was I not late, I paid off the 3 year lease, nearly 3 years early! I only owe 2 payments left out of a 36 month lease. I never bothered to look to see if my payment was deducted because I felt like I didn't have to as I keep plenty of money in that account. XXXX  refuses to fix this. I have filed complaints with them 4 to 5 different times and all they do is just send me a copy of my credit report. Because they would not fix this in XXXX XXXX XXXX I went ahead and paid off the lease minus 2 payments because I did not trust that VW Credit would take out my automatic payments. I pay ALL my bills on time. I take my credit very seriously. I am trying to buy a home in Florida and this strike on my XXXX  credit report affects me getting a better interest rate!! They are horrible. They say they will look into it but they really never do. They just print out a copy of my credit report. The other companies found in my favor and CORRECTED the late payment in XX/XX/2019. I have been battling this for over a year now. Should I get a lawyer? It is principle for me. I pay off all my debts ON TIME. XXXX is too lazy or they just don't care! Can you please help me get this bad mark of my credit report. I am at my wits end. Thank you for taking the time to review my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2021 I checked my account in regards to a purchase I made to get a refund. It was then I realized my checking account, my savings and my two credit cards were low in funds and they werent mine. I immediately called Bank of America and notified them that these transfers were fraudulent and I didnt give any one access to my account, the representative told me she would put the hold on the account but I needed to go to the nearest bank as soon as possible to open a new account. I did just that on XX/XX/2021. 
I have been calling since then In regards to my account and my funds being returned. This situation has made me mentally and emotionally sick right now I suffer from XXXX. I am always on edge and always checking my accounts I dont feel safe doing anything on line everything seems suspicious to me. 
I went as far as changing the phone and getting a brand new one just to be safe. 
Bank of America had made this scary for me and I am unable to pay my bills in total I have lost {$3000.00} And they refuse to help saying that it came from my account in regards to XXXX transfers. 
I just need to get my cash back close this account with Bank of America because I thought my savings were safe with this financial institution but it isnt! 
Bank of America is a high risk bank and they refuse to acknowledge that this is fraudulent! Ive worked to hard to lose this especially due to the fact it wasnt my fault.

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXXXXXX XXXX RAN ALL MY CREDIT REPORTS XXXX IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY

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 2018-04-12
Company: DISCOVER BANK
State: NY
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:
Back In XX/XX/2016 Discover I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account was refunded all money to me. year later about XX/XX/2009 they sent a bill. I sent copy of paper work that showed account was paid in full and closed.years later they send more bills. i send copy of paid in full paper work. they said sorry and yes you are paid in full. we will fix this problem for you. thanks for your 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 2018-04-03
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
***** XX/XX/XXXX just log in only .. Think sometime in XX/XX/XXXX I purchased lite coin 2 ) Please list any actions that were not authorized by you, including the amount and timing of any transactions. 

***** XX/XX/XXXX roughly {$1200.00}, amount of lite Coins XXXX 3 ) Do you have any information on how your passwords, email, and/or XXXX codes were compromised in this attack? 

***** By phone 4 ) Is there any additional information you can provide to help us understand the attack? 

***** Here are the Phone # ( XXXX ) XXXX, Looks to be a cell # because they text me ( XXXX ) XXXX The guy I talked with said his name was XXXX,, Sounded like he was from XXXX by his Accent '' 5 ) If you this number Coin base help info either ( XXXX ) XXXX multiple number will appear in listed numbers .. 

6 ) pasted from email I received from flatulent base coin company .. You just sent XXXX LTC to XXXX 
XXXX Please contact me at ( XXXX ) XXXX cell phone, or via email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my twelve 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 SUNDAY XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XXXX, Portfolio Recov Assoc add a derogatory marks on my credit reports per XXXX  and XXXX. 
In the XXXX  report the original creditor as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, opening date XXXX XXXX,XX/XX/XXXX and ondition Open. 
In the XXXX report the original creditor as XXXX XXXX XXXX  XXXX XXXX, opening date XXXX XXXX, XX/XX/XXXXand ondition Closed. 
The information is inconsistent and inaccurate. 
According to the FCRA Portfolio Recov Assoc has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation