BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

XXXX5 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 2019-11-18
Company: ID Analytics, 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:
To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX   brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX XXXX XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney. Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a racial discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, XXXX XXXX are XXXX. 

I, XXXX XXXX XXXX, consumer and legal owner of XXXX XXXX XXXX have been harassed with threatening letters/correspondence of imprisonment by XXXX XXXX XXXX XXXX, VA if I fail to make payments to the court as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The above referenced account is currently reporting to my Equifax credit report as a charge-off but also reports a current balance owed. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ), creditors are required to promptly update the account balance to {$0.00} after the sale of a debt. 

XXXX Bank is in violation of the FCRA by reporting this inaccurate and conflicting information to my Equifax credit report. XXXX has continued to incorrectly update the status of this debt as past due with a balance owed of {$4300.00}. This debt was sold to XXXX XXXX XXXX XXXX and payment arrangements were made directly with the collection agency. The collection account from XXXX XXXX XXXX did not appear on my credit report because payment was arranged directly with that firm. XXXX is also listing the charged off amount as {$3500.00} on the same report that says the balance owed is {$4300.00}. There is an obvious discrepancy with the amounts and account status. XXXX and Equifax refuses to delete this inaccurate and inconsistent information from my Equifax credit report. XXXX and XXXX has already removed the discrepant account information. This inaccurate account reporting is also adding an incorrect credit utilization rate of 110 % to my credit report. Please see attached Equifax reports showing the conflicting reporting by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield, acting on behalf of XXXX XXXX XXXX XXXX XXXX, is trying to collect {$1800.00} in debt for which I do not owe and has also not provided any proper written notification, violating The Fair Debt Collection Practices. My relatives and I have received numerous calls from Hunter Warfield. They have no authorized authority to contact my relatives and have used untruthful alias in attempts to have my relatives provide them with my personal information. 
Hunter Warfield has also unlawfully reported this debt to the credit reporting agencies resulting in it being reflected on my credit report. XXXX XXXX XXXX XXXX is already being sued for its actions and the lawsuit is still ongoing XXXX Case # XXXX ). XXXX XXXX is trying to get around the lawsuit by seeking to collect without answering the lawsuit by sending the case to Hunter Warfield. Even by sending the case to collections XXXX XXXX did so without following the proper legal 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 2021-11-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed the accuracy of the late payments with XXXXXXXX XXXX, with the results being the same. I called Equifax to provide documents that I received from XXXX. I was not able to upload the documents. I have spent hours trying to get to someone to assist me. The process is not designed to help consumers. Because of the improper reporting of this account I have been denied my mortgage loan which ha cost me money, stress and homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
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: Account information incorrect

Complaint:
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX acoount # XXXX.I was never late.The information is incorrect.

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 2019-01-21
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: Account information incorrect

Complaint:
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX acoount # XXXX.I was never late.The information is incorrect.

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 2023-06-19
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:
Experian, XXXX, AND XXXX have protected an entity called COURT. No address no other information to identify who is doing inquiries on my credit report as much as they did. The reason Fico, Experian, XXXX and XXXX protects this company is to intentionally reduce a persons credit score and credit rating. Im atttaching all Experian provides who this is.

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 2018-04-30
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX. However, this is a bill that should have been submitted to my Medical Insurance Company. As a preferred in network provider this XXXX XXXX  should have been covered as all routine XXXX XXXX is covered by my insurance. I was not notified that I had a potential outstanding invoice being sent to a collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-02-26
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I accidentally, thru my personal bank, XXXX website, submitted XXXX mortgage payments in the amount of {$2500.00} each payment toward my XXXX payment to Home Point Financial. These payments were submitted on XX/XX/XXXX and XX/XX/XXXX. 
Upon realizing this error, I contacted Home Point Financial. We both agreed that there was an overpayment, and agreed on a refund. We agreed that out of the {$2500.00} that {$1300.00} would go toward an escrow shortage, and the remaining {$1100.00} would be put toward my XX/XX/XXXX payment. I have a letter from XXXX XXXX which shows this agreement. 
On XX/XX/XXXX, I submitted a payment of {$1400.00} to go along with the {$1100.00} that XXXX XXXX agreed to move toward my XXXX payment, which would have kept me up to date on my monthly payments. 
As of XXXX on XX/XX/XXXX XXXX XXXX has not moved the funds as they agreed to do. They are considering the {$11000.00} a partial payment and are not applying it to my XXXX XXXX payment. They have not yet moved my extra payment out of Principal toward my escrow shortage or my XXXX payment as they had offered and agreed to do. This is now causing a showing of a delinquency on my part. 
I am in the process of trying to refinance my mortgage through a private lender, and now my most recent mortgage statement is showing a late payment. 
I have reached out to XXXX XXXX a total of XXXX times to resolve this issue and it is still not complete. 
at XXXX on XX/XX/XXXX I made a payment in the amount of {$2600.00} from my checking account to XXXX XXXX just to not end up having a 30 day late payment against myself. I was given a confirmation number of XXXX from the representative over the phone. I asked for an email confirmation and she was told she was unable to provide that to me. 
XXXX XXXX as of this email has an extra payment of {$2500.00} plus a partial payment of {$1400.00}, along with the payment I made tonight in the amount of {$2600.00}. 
It has been over 30 days and XXXX XXXX has made no attempt to resolve this in a fair amount of time. 
They have had actually more money than needed and yet still causing a delinquency to show on my end!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I went to Wells Fargo and deposited {$6800.00} at the ATM. I made XXXX separate deposits that day in the amount of {$3000.00}, {$1000.00}, and {$2400.00} because the ATM kept jamming and I would have to restart the process. On the third deposit, {$300.00} jammed and was not spit back out. The screen stated that I would receive a refund but I didnt. I then created a claim with Wells Fargo and got provisional credit of the {$300.00} on XX/XX/23. The case was closed on XX/XX/23 and I thought it was over. Then on XX/XX/23 the credit was reversed. On XX/XX/23 I called Wells Fargo to reopen the case and I have not received any updates to this date ( XX/XX/23 ). My bank deposits that day clearly show that there were errors with the ATM and checking the cameras would too.

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 2022-05-03
Company: EQUIFAX, INC.
State: GA
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 following accounts have violated my rights XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( amount {$2800.00} ) XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have submitted a dispute on XXXX XXXX to this company about this debt. They have completely wrong dates on the account. I have asked for the original contract for the debt. I have never been notified by this company until I saw it on my credit and called them. All that call did was made them change the date on my credit report for no reason. The dates are wrong and everything else about this account is wrong. I was also never notified about the debt. They have never made the attempt to show me what the original debt was or for what.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EGL US, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for the Appartmment at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX did a background check on me and a whole lot of inaccurate information popped up on my report, I applied on XX/XX/. The information that populated was BMG money inaccurate, XXXX XXXX inaccurate XXXX XXXX inaccurate, XXXX XXXX-Inaccurate -- XXXX XXXX XXXX XXXX  -- fraud -- Inaccurate, I have inaccurate information being reported more than once over and over again, XXXX XXXX  XXXX- should not be on my credit report XXXX XXXX owe nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: IN
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please refer my previous CFPB complainat " XXXX '' on XX/XX/2021. 
I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each duringXX/XX/2021 ( one on XX/XX/XXXX and another one on XX/XX/2021 - both {$2500.00} ) on after following this promotion all the conditions. But I haven't received {$100.00} for these direct deposit activities. I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates ). Dealing with totally inefficient Citibank customer service is good for nothing. Already talked to them for at least 3 times via chat regarding the same issue. This bank is so large and inefficient that left hand doesn't know what right hand is doing. Customer service is just looking to pass the buck from one team/person to another. 
Citi just want to block the money for dubious promotions plus terms and conditions. Citi will keep on moving the goal post like this. 


Citi stated in their response that : However, if you would like to continue participating in this promotion please complete two additional direct deposits, one in the month of XXXX, and one in XXXX. Thereafter, if the remaining terms and conditions are met the 2 % cash back bonus ( up to {$100.00} ) would be applied to your account ending in XXXX on or before XX/XX/2021. 

Even after meeting that condition I haven't got {$100.00} cash back bonus.

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 2020-12-09
Company: Choice Recovery, 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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, CHOICE RECOVERY INC add a derogatory mark on my credit reports. CHOICE RECOVERY INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: JPMORGAN CHASE & CO.
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX a vendor double-charged my Chase card for {$1500.00}. 

I told Chase of the problem by phone and they refused to correct the problem. They required me to fax in more information, which I did. 

In early XXXX they put a notice in my account statements section saying that the double-charge was rejected and I had to pay the invoice twice. 

Having exhausted myself in the effort to show Chase this was a simple double-charge by error or fraud, I ask for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21
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: Account information incorrect

Complaint:
XXXX XXXX Card is reporting a monthly payment for a charged off account Please verify and delete all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Navient Solutions, LLC.
State: MI
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:
my students loans total balance : close to XXXX ... and now it has increased to XXXX my student loan but i graduated in XX/XX/2007 and there is no way my loans can jump from XXXX to XXXX this is impossible i was told that my student loans would be consolidated into one my lenders were XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation