BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I demand this company XXXX XXXX XXXX to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America is infringing on my right to privacy of my personal information. They are illegally reporting my private information.

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 2023-08-19
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: Information belongs to someone else

Complaint:
Im re submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$29000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} BANK XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$360.00} CONSUMER ADJUSTMENT ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX MO XXXX XXXX Creditor Name XXXX XXXX CO XXXX AZ XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7500.00} BANK OF XXXX XXXX XXXX : {$7200.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} ( peviously Late open ) XXXX XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX POLICE DEPT Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the XXXX XXXX via Wells Fargo on XX/XX/22. I have credit monitoring, which specifically states to call me if credit is applied for in my name. I never received a call from Wells Fargo. Instead, I received a letter stating they was not able to verify my identity and needed to fax them or mail my personal information ( Driver 's License, SSN, Proof of Address ), and my application is in a pending status. I faxed in my information on or around XX/XX/22. I called on Wells Fargo on XX/XX/22 to confirm if my information was received. I was informed it was and placed on hold. Before I was placed on hold, I informed the XXXX that my application was in a pending status, so my credit should not be ran again. The XXXX returned to the call and informed me I was approved. The XXXX provided me with information regarding when I should receive my card and we ended the call. Due to having credit monitoring, I received an alert soon thereafter that my credit report had been ran again my Wells Fargo.

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 2023-01-13
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: Old information reappears or never goes away

Complaint:
I am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : 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 Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained my report and noticed inaccuracies on XX/XX/2023 and sent my first dispute letter on XX/XX/2023 and they updated my information on XX/XX/2023. I then submitted my second dispute letter requesting a re-investigation.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: LA
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:
These inquiries were obtained without my consent 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 2022-12-06
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:
On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also according to XXXX XXXX and Privacy Rights Act ( FERPA ), it prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of the student, or, if the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C.S. XXXX ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
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: 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 XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-06
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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

XXXX XXXX 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 Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 A. Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 XXXX XXXX 

15 USC 1681S-2 ( A ) ( 1 ) : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I requested a reinstatement letter. XXXX I called because I had XXXX dollars of XXXX but would not have the full amount by the due date of XXXX. They accepted a payment of XXXX XXXX dollars over the phone. I then had to ask for a new reinstatement letter which I received and it showed XXXX. The payment of XXXX was sent. I received a phone call stating my payment of XXXX over the phone was no good. I then had to wait until they returned my funds through the mail by check. I then cashed my check and wire transferred the funds at XXXX the day my second reinstatement payment was due I made three phone calls that day trying to communicate this on XXXX. I made a follow up phone call to my mortgage company on XXXX to find out my check of XXXX was being returned but that they could keep the XXXX I wired transferred and would have request yet another pay off statement. I recieved the pay off statement of XXXX with the XXXX XXXX wire transferred unapplied. 
I have requested an itemized list of all payments charges and any fees with any notes attached to my account because I would like to know how my reinstatement went from XXXX to XXXX in XXXX months when my mortgage is XXXX each month. When all errors were made on there end. My entire familys livelihood has suffered because of mistakes made by Carrington Mortgage. I have only received XXXX phone call since I have made the request via email of all fees charges and payments made between the dates of XXXX and XXXX with any notes that are attached to my account number and was not assured anything at the end of that phone conversation. I have exhausted all resources and can not afford to hire an attorney. I was planning on using the remainder of funds XXXX to pay on other debts and be sure to make my mortgage payment XXXX which I am short XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: MOHELA
State: OR
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:
Issue : Mohela has inaccurate employment dates for XXXX of my employers. Mohela has the employment dates of XXXX for XXXX XXXX XXXX XXXX My most recent XXXX application for this employer indicates my employment dates are XXXX. This form was sent to Mohela on XX/XX/XXXX. Mohela also has inaccurate employment dates for XXXX XXXX XXXX and XXXX XXXX XXXX. My most recent XXXX application for this employer has the employment dates of XXXX but Mohela only has the employment certified from XXXX. This application was sent to Mohela on XX/XX/XXXX. I have attached copies of the applications that were submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 4 accounts with Synchrony Bank Store Credit Cards. My home address was incorrect when I was submitting my Payments, therefore credits were not going towards my Credit Cards when I taught they were taken out of my checking accounting. In the meantime I have paid off ( XXXX ) in a short time and Synchrony still reported my delinquency 's to the credit bureaus which drastically lowered my credit score ... ... ..... 
I complained many times and the answer I received every time was they could not do a thing about. I never seen such poor customer service and Credit Company in my XXXX plus years of establishing 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 2023-05-30
Company: EQUIFAX, INC.
State: MD
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:
XXXX, Equifax and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Experian is sharing my transaction history on my consumer report without my consent, account # XXXX XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), Dept of ed ( XXXX ) that is illegal please delete the late payment or items marked as late from my consumer report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-05-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  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 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 XXXXXX/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 2023-05-07
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield & Associates shows that they have 2 different collection accounts both originating with XXXX XXXX. This is NOT correct. I only have 1 account in the amount of {$2300.00} dating from XX/XX/2022. 

Wakefield & Assoc shows that I have 2 accts/collection amounts : 1. {$2300.00} datedXXXX 2. {$2300.00} dated XX/XX/2022 This debt is listed twice but is the same debt. There should only be 1 collection amount, NOT 2. 
I have disputed these accounts 4 times and even wrote them a letter but they refuse to correct their records. 
This is illegal and unlawful to do to a consumer. They call several times a day harassing me for this money. 
I am requesting that Wakefield & Assoc remove this from my credit report. This is fraud against me and I am asking this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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:
15 U.S.C. 1681 sec.602 A. States I have a right to privacy 15 U.S.C. 1681c 2 sec.605 B. a consumer reporting agency shall block any information consumer identifies as information as a result of identity theft.DELETE not later than 4 business days after the day of receipt. It has been 7 days ; You are in violation! acc- XXXX  15 U.S.C . 1666b : A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose. DELETE LATE payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
An apparent law firm contacted my ex husband 's wife. She forwarded the message to me. I called the XXXX number and spoke with a rep who told me I owed Wachovia bank some money from an account in 2009. I do not recall having a bank account at that time. They told me to pay or dispute it in court. 
Did a little digging and saw many red flags that say this is a scam. XXXX XXXX XXXX XXXX, XXXX, CA XXXX {$1200.00} is the amount they are trying to collect.This debt does not appear on my credit report.

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 2022-12-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$24000.00}

Company response to consumer: Closed with explanation