BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 )  Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors ... ... 

After checking my credit reports, I noticed a 30 Day from Wells Fargo from the month of XX/XX/XXXX. 

1. On XX/XX/XXXX, I sent Wells Fargo a handwritten letter ( attached ), certified mail ( return receipt attached ), stating that I made several Credit card payments for the month of XX/XX/XXXX. I sent them two copies of proof of payment along with transaction ID numbers. 

2. On XX/XX/XXXX, I received a letter from XXXX stating they verified the account information as accurate ( attached ) 3. On XX/XX/XXXX, I received a letter from XXXX  stating they verified the account information as accurate ( attached ). 

4. On XX/XX/XXXX. I received a letter from Wells Fargo stating the information they supplied was correct. 

5. Therefore, on or about XX/XX/XXXX, I sent a notarized Affidavit ( attached ) to Wells Fargo with my Drivers license, certified mail ( return receipt attached ) stating that I made several payments to my credit card in XX/XX/XXXX and I was not 30 days late on my account. 

6. Additionally, I sent more notarized Affidavit, certified mail ( attached ), to XXXX and XXXX   asking for method of verification. 

To date, Wells Fargo has not corrected their obvious credit reporting error. 

I am supplying two proofs of payment for the month of XX/XX/XXXX and proof that the payments were debited from my checking account from Wells Fargo in XX/XX/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 2018-01-30
Company: Experian Information Solutions Inc.
State: PA
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've sent a certified mailing to XXXX XXXX, that was received XX/XX/XXXX, advising that I've recently pulled my credit report and noticed an account from them listed on my credit report. The letter advised that I was requesting that the debt be validated. By law, I have the right. By law, agencies have 30 days to respond. XX/XX/XXXX made the 30 day mark and the company never responded with any validation of debt to myself or the credit bureau. XX/XX/XXXX, I sent a certified letter to XXXX requesting the deletion of the above referenced account due to non response. I also sent a certified letter to Experian requesting that the account be deleted immediately due to non compliance. Experian sent me a new credit report dated XX/XX/XXXX advising the account information was updated. This is against the law as it's outside of the 30 window. This account needs removed, immediately. I've attached a copy of the deletion letter sent to both XXXX and Experian along w/ the associated certified return receipt. I've also attached a copy of the certified receipt for the initial contact in 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 2022-01-09
Company: U.S. BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I did some transactions through US Bank on XXXX XXXX XXXX and found out these transactions were a scam. Because they were cash transactions in the amounts of {$52000.00}, the bank said they didn't know what I did with the cash, so they couldn't reimburse me. 
They reimbursed me for two receipts because they were on my debit card. I told them I had other receipts, but they said they wouldn't look at them because these receipts didn't say what I did with the cash. The bank told me I could have kept the cash and gambled it away. Actually I used the money to help someone who I thought I could trust. I got XXXX. 

My family has been using this bank for over fifty years -- my grandparents, parents and now me. In all these years this is the first time that anything like this has occurred. I was always taught that the bank helps you in times like these. Now, because they don't know what I did with the money, they can't help me. I've already paid off the 3 loans I took out and my credit card was reimbursed through the credit card company. Scams happen frequently, and I was totally unaware this was a scam. I got robbed. 

I feel a fair solution would be to reimburse me, as this is the only time in over fifty years of family banking that something like this has occurred. As I have never encountered this before, I will now be extra alert and more careful about how I do transactuons. 

Sincerely, 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 explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I will request again to Experian Remove all the negative information from my credit report immediately Im tired of the lies by Experian saying or the information is verified by the furnisher that is 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 2021-07-15
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:
this is my 2nd CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to Equifax, XXXX and XXXX and they still have not been updated or removed. 

XXXX is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from XXXX, Equifax, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I started disputing inaccuracies on my credit report on XX/XX/2017. I have asked for phone numbers, addresses, names and physical evidence of these debts I allegedly owe. They REFUSE to send me the information, but continuously report this inaccurate information and refuses to send supporting documentation. They will tell me I need to send RELEVANT information. Well, if you are reporting inaccuracies, you should be able to back it up. They won't send me any supporting documentation and basically want me to do THEIR job. I'm not the one reporting inaccurate information on my report. They even stated they VALIDATED a debt, however, the company asked me to send documentation and another one sent a letter stating they would no longer pursue collection against me. Yet the credit bureau stated they VALIDATED the information. How is that possible when the creditor or collection agency couldn't validate it?

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 2018-01-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX has not responded to a QWR that I sent them certified I asked for all the LEVEL ACCOUNTING and Proof of this PURPORTED DEBT they are trying to collect on. They need to remove themselves off of my credit report at once and they need to Stop Harrassing me. They also need to stop stealing my identity, I am going to press a criminal complaint against them. They have nothing to do with my property!!!!! This account was paid and closed by XXXX XXXX XXXX, XXXX XXXX XXXX and Mers!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: LDF Holdings, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company charges 1000 percent interest. I didn't realize it until I took out a larger loan. This can not be legal and is completely predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: IL
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 lost my wallet. I recently checked my credit report and saw this request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: TN
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:
Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency ( AMERIFINANCIAL SOLUTIO ) has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.

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 2021-04-13
Company: FC HoldCo LLC
State: FL
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:
inquiry populated XXXX, did not self inquire nor do i meet the criteria ( veteran ) to have even applied.

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 2020-02-05
Company: EQUIFAX, INC.
State: MO
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 spoke with XXXX XXXX in regards to how my accounts were displayed and he advised that the accounts should reflect no reporting data, however, company continues to verify late payments that do not exist with the credit bureaus. The incorrect payment history reflects poor habits that I never created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I purchased 4 tickets to the XXXX  vs. XXXX game. I paid the seller the agreed amount of {$500.00} via XXXX through my Wells Fargo app. As soon as I sent the money via XXXX the seller came back and said I owed an additional {$100.00}. I immediately contacted my bank to notify them of the fraudulent transaction. They opened a case ( Claim # XXXX ) and assured me they would handle it and I would hear back within 10 business days. This morning I followed up to check on the status and was told my claim was rejected. I find this extremely disheartening especially since I called Wells Fargo within minutes of making the transaction. XXXX must have a record of the sellers bank account and should be able to recoup these funds. It's horrible that these predators are able to take money without any repercussions. It is illegal and should be handled appropriately!

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 2021-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing ( XXXX : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) purchased my home loan in XX/XX/. After purchase I received a letter in the mail stating I needed flood insurance. I live in the mountains, I've never needed flood insurance, FEMA website states I don't need flood insurance, and I forwarded all the documents to the lender showing I don't need flood insurance. I also contacted the ombudsman for the company to help me and emailed the ombudsman the documents showing I don't need flood insurance. I contacted my prior lender and my insurance agent who provided me with the certificate showing I don't need flood insurance. I attached the documents proving I don't need flood insurance to my lender website spservicingXXXX on XXXX XXXX  and XX/XX/ and the lender charged my account {$210.00} for flood insurance in XXXX XXXX XXXX XXXX and XXXX XXXX 
They won't call me back or acknowledge the FEMA no flood zone proof. I can't afford another {$210.00} in fraudulent flood insurance fees. I'm extremely frustrated and need help resolving this issue. I've also found reviews online for SPS servicing with claims like mine that state they fraudulently charged customers who's loans they purchased for insurance they don't need. 
Please help me! 
XXXX XXXX email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Square Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a debit card from XXXX, issued by XXXXXXXX XXXX It's a business debit card and I do not own a business, nor did I apply for it. I believe that someone opened this account with my name and address, possibly also using my SS number. I already had my identity stolen earlier this year when someone applied for unemployment benefits in my name. From what Square Compliance customer service has told me, the card is prepaid so nothing will affect me. For privacy reasons they won't confirm any other details, but they've assured me that they will close the account and investigate. They mentioned reporting the incident but I doubt if local police could do anything so I'm reporting it here. I still have the debit card but have not used it or activated it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions 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:
To CFPB After making several attempts to get Experian to remove the inaccurate information including old addresses that, according to the FCRA I, as a consumer have the right to have removed from my report, Experian has refused to remove these inaccuracies off my report, responding that I would need to speak to those who placed them there, EXCUSE ME!!! Federal law says I can have them removed. 
Since Experian has refused to comply with Federal law and by their non compliance to that law as well as XXXX XXXX we have decided to give Experian 15 days from receiving this communication to remove these inaccuracies or there will be legal action taken against them by our attorneys.

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 2018-01-30
Company: Equitable Acceptance Corp
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A company by the name XXXX XXXX kept calling me about Obama student loan forgiveness. So I finally answered and spoke to them on the phone and they explained to me what they do and what theyre about. So I liked what I was hearing so they got me to sign a contract to pay them 40 something dollars, every month for them to hand my student loan payments for me but it turns out my student loan was not being paid AT ALL.! They also asked for my personal information as well and took money out my account for months. So I called my Student Load provider and they told me that is was a Scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: ACIMA CREDIT, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This acima credit company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem. bill. 
I need proof that this account is mine, they used my false documents to open that account for someone, damaging my credit report

Company response to consumer: Closed with explanation