BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
State: CA
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:
Guys I am very upset. I honestly want to file a complaint against you the C.F.P.B. but I don't know how to do that. Should I complaint with the attorney general? Write a letter to the president? 

I filed two complaints hoping you would help me because I spent months trying to get Wells Fargo to remove an account they say is from 2014  but it's much older! when I ask for their proof they keep saying they will send it but they don't. Even when I go in person to the branch, or call them, or write them. Now you are doing it too!!! 

I keep getting your responses saying I didn't write this complaint or that you need more information from me but don't tell me how to give it to you. HOW AM I SUPPOSED TO GET IT TO YOU!!! And what more information do you need? Wells Fargo isn't giving me documents after numerous requests. That should be all the info you need. I also told you in my previous complaints that the loan was for something I acquired with my ex-wife. I got with my new wife in the summer of 2014 so I couldn't have obtained this loan in 2014 and I wouldn't have continued paying for it once I got with my new wife. Is this a conspiracy against me? Does Wells Fargo have you in their pocket book? DO I have to contact other companies against you? DO THE INVESTIGATION! 

By the way, I got someone to do a spell check and grammar check since you don't think this was me filing the complaint. I'm sorry if my poor grammar was beneath you. Maybe now you will accept this complaint and actually do something about 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - First attempt to receive information on PMI cancellation was made by me using their online ticket system and went completely ignored by Nationstar. Automated ticket response claims they may follow up with phone call or email ( neither of which were consented to forms of communication and neither of which were even attempted ), after which tickets were marked as read-only despite no communication occurring whatsoever. The automated message additionally directly implicates XXXX XXXX XXXX XXXX  as involved in the negligence. 
XX/XX/XXXX - Follow-up attempt on previous ticket was made and again completely ignored by Nationstar Sometime during XXXX XXXX - Mortgage was transferred to Nationstar 's Mr. Cooper subsidiary with neither consent nor notice and payment page was deleted without redirection to the new page in a deliberate attempt to cause missed payments on the mortgage. 
XX/XX/XXXX - Attempt again made to receive information on PMI cancellation, again completely ignored XX/XX/XXXX - Final attempt to receive information made and again ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, INC.
State: VA
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 sent Equifax several letter disputing inaccurate, inconsistent, and/or unverifiable accounts on my credit report. Each time Equifax would reply that the investigation is complete and the account was verified as accurate although in each letter I asked they provide me with proof a proper investigation was done and documentations that the proper procedures were made and information on who they verified the information with. Equifax has failed to supply me with the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: CT
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX 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 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 explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: NY
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:
According to the FCRA, it states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The inquiries listed below reporting on my credit file werent authorized by me and are fraudulent. Im requesting they be removed immediately. XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX SERVICE XX/XX/20, XXXX BANK XXXX XXXX, XXXX XXXX XX/XX/20 XXXX XXXX FINANCIAL XX/XX/20, XXXX OF XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XX/XX/20.

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 2023-07-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Its been over a year. For one it took for me to complain here in order to get a response from them. After complaint for months trying to see what was going on and why they denied claim and there evidence they responded to they use a system to verify thats not good enough I need answers because this is a lot of money and Im having to pay this back when the money was already took from me in the first place. Ive recently received information on who compermised my account I have text messages of the owner of the company admitting to her employee stealing from me yall gave me my money back and took it back thats y she thinks I got paid back this is annoying and Im ready for a lawsuit at this point made me loose my home and XXXX my kids stressing over money thats been wrongly taken from me Ive filed a police report what more do they want charges and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like this was not me Ive submitted proof of days I know for a fact I was occupied unable to get out and make transactions and they still denied Ive reached out to the merchants and asked about the purchase on my card with the last ending 4 of it and theres no account for me there I contacted a place that was high in they require u to show Id and scan when purchasing I request the id scan there was none like what investigating did they do I want my account back I had a good amount of money going in and I want my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

XXXX sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, XXXX verified the information as accurate before they received my notarized affidavit. When I check on my dispute with XXXX they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

Equifax 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time Equifax has verified the items as accurate despite my police report, FTC report, and affidavit. 

XXXX did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining XXXX accounts refuse to remove the fraudulent accounts. XXXX state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : XXXX. XXXX XXXX  - Account also reported by XXXX XXXX XXXX XXXX. XXXX XXXX - Also reported by XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX - Also reported by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also reported by XXXX funding and XXXX XXXX. I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX removed XXXX open installment accounts ( auto loan /personal loan ) from my credit bureau that are active, open and paid on time. XXXX do not provide accurate date of first delinquent payment for removal of derogatory account ( XXXX ). XXXX, Trans Union XXXX did not verify late payments in each dispute submit to data furnisher. The XXXX credit reporting agencies does report XXXX separate late payments without validation. XXXX, Trans Union, XXXX will not provide me with verification methods to support required accurate or complete data to validate inaccurate late payments. XXXX, Trans Union, XXXX ignored my rights to have/see the complete re-verification method requested. On each separate dispute that involved several derogatory credit reports that cause me distress and headaches every day affect my personal life balance, credit well-being are immediately impacting my home ownership abilities the right to a quality of life cause damage to manage my personal and business credit.

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 2023-04-17
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

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 2022-10-18
Company: Comerica
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Tried to open an account with XXXX XXXXXXXX XXXX When a background report was performed, I received a notice stating there was an account ( e.g. not determined as to what type of account ) that was opened with Comerica Bank and the amount owed was for {$1200.00}. I went to the Comerica bank across the street from XXXX XXXX in XXXX to discover there was only an account in my son 's name ( e.g. custodial account ). I did have two custodial accounts for both of my children ( e.g. savings account only, no credit card or checking accounts ) .The location on the document does not exist ( e.g. Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ). I went to XXXX Police Department- was advised to contact a XXXX police station to file identity theft based on the address. At the XXXX Police XXXX XXXX precinct was advised that the address on the paperwork for Comerica does not exist in XXXX, Michigan. I was given the address for Comerica Bank in XXXX ( XXXX. Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ). This address does exist in XXXX. I went to the police station 2 miles away from the location XXXX XXXX, MI and was advised they can not take the police report go to the XXXX police station because this address is in XXXX. I am getting no where with trying to obtain a police report for identity theft. I have contacted the company and they have began an investigation but it can take up to 30 days. Local Comerica branches do not have any information on me except for the custodial accounts. There is no phone number to contact someone at Comerica Bank. I was given a compliance hotline. I did not contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$940.00} XXXX {$0.00} XXXX XXXX {$460.00} XXXX {$2000.00} XXXX -Balance {$0.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$640.00}

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 2021-12-13
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has reported a collection amount of {$780.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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 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 I do not wish to have any telephone numbers on my report. 

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

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 i ( a ) ( 1 ) ( A ), Can you reinvestigagte the completeness and accuracy of the following accounts below : XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
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:
I've written to Experian twice regarding inaccurate information. They're reporting ( 2 ) different social security numbers, addresses that I've never lived at. Not once has Experian reached out to me to rectify this situation.

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