BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMBEROUS attempt to notify you that I am a victim of identity theft and that I would like to inquire about certain entries in my documents that have formed as a result of the wrongdoing. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
A American Express card was opened XX/XX/XXXX of XXXX in my name. I automatically called and canceled the account and call XXXX to be able to remove it off of my hard inquiries. They said I needed to fill out this report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been unable to monitor my bank accounts properly for about a month XXXX XXXX XXXX XXXX XXXX XXXX During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled 40 transactions with a total of {$510.00}, another of 10 transactions of {$120.00}, and a final one of 10 transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. 

Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a XXXX  individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB

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 2022-09-20
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Good morning. 
XX/XX/XXXX I started the process with my background check with First Advantage on I am trying to get hired with XXXX XXXX who uses First Advantage as their vendor for the background checks. 

By XX/XX/XXXX I still hadn't received any information back about my background check. I called First Advantage who told me that my background check was still not completed at the State of Ohio. I continued to call daily to check on status. 

XX/XX/XXXX I began calling State of Ohio for an update. State of Ohio told me that they had sent the background check back to First Advantage on XX/XX/XXXX. 
I relayed this same information to First Advantage who said they would have to check internally with their Ohio division. 

XX/XX/XXXX I spoke with a manager at First Advantage who said he would escalate this to the Ohio Division and get back to me. He never got back to me as promised I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can not get through to a manager and continue to be told the same messages- which are " we are waiting on the state of Ohio '' or " we will have to check with our Ohio division '' or " we will have a manager call you back within 30 minutes '' which never happens. 

It has now been 58 days since my background check was submitted. I have now been without a job for 58 days and I have not applied for any other job because I am wanting to be ready to start with XXXX XXXX as soon as my background check is completed. I am now running out of money and in jeapordy of having to delay paying bills or having to ask family for money for food, bills, etc. 

Can someone please escalate this and have First Advantage respond so that I can get cleared to start my job?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-06-26
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX has been sending me bills that are inaccurate and incorrect ( extreme fluctuations in cost- from around {$20.00} XXXX month to around {$250.00} the next ) and suspicious meter readings, and assessing late fees when I haven't paid the full incorrect amounts, even after someone at their company told me bills were incorrect and that it would be fixed ). I have contacted them many times by phone, their website chat, their website email portal, and by mail, and they do nothing to correct the problem. I got a letter from A.R.M. Solutions , Inc., stating it is a debt collector and that " my debt '' has " been forwarded to them to resolve. '' There is a tear-off sheet, but it says that I should pay XXXX, not A.R.M Solutions XXXX and gives my XXXX account number as a reference number. Also, it says that the form should be mailed to XXXX, not A.R.M Solutions. I believe A.R.M. Solutions is misrepresenting itself as having bought the " debt '' from XXXX in its capacity as a debt collector. In reality I think that A.R.M. has some kind of partnership with XXXX to make people think that they have been sent to collections and that their credit will be ruined if they don't pay XXXX ' bogus bills. I have continued to pay a reasonable amount to XXXX monthly because it's true I am using some propane, just not the amount they are saying in their incorrect bills. I have paid nothing to A.R.M. and sent them a verification letter. I am XXXX and have low income and can not afford to pay XXXX ' inaccurate bills. Please investigate and stop these companies from taking advantage of people. Our whole HOA is having this problem, and XXXX has not explained to the XXXX president what is going on. XXXX neighbor was charged {$12.00} XXXX month and {$800.00} the next. I can provide more information upon request. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried to close PayPal account without having to upload documents requested. Used XXXX, @ AskPayPal, to contact about closing account. By the way, my XXXX @ XXXX, has XXXX only meaning 18 years of age or older.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent certified letters in XXXX and XX/XX/2022. I have spent over {$100.00} on on notarized letters and certified mail to be signed for. I got one letter couldnt verify my identity. All the required documents have been included. I am so angry that Experian can furnish a report but cant identify you. You dispute inaccuracies and they deny it. Cant back up their investigation or validate any evidence with their conclusion. That is aggravated identity theft. Its against the law.

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 2023-12-01
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was asked to be contacted by mail only. I sent them a letter dated in XX/XX/2023. The company had an employee look up my personal information online on XXXX to get my employer information and contacted my job about this debt owed. I have a screen shot of them looking up my personal info online. This is harassment and I would like the accounts removed from my credit report because this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
An unauthorized transfer from XXXX was made on my Wells Fargo account on the XX/XX/22 and Wells Fargo is not able to help me. The transaction about is in the amount of {$1000.00}.

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 explanation
Consumer complaint received 2022-09-20
Company: Rent Recovery Solutions
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today is XX/XX/XXXX I received a credit report notification for a new account I checked and the account is for over XXXX XXXX  of unknown debt I dont owe that to anyone. Ive never done business with rent recovery solutions at anytime. Im disputing this debt and any tradelines affiliated with it.this company violated my rights as a consumer by placing this unverified debt onto my credit as a consumer I have the right to be notified of my said debt and it has to be verified this company failed to follow those guidelines failed to issue any notification or provide any communication prior to placing this account on my credit file Im disputing this debt in its entirety and Im requesting a debt validation letter immediately Im also requesting this account be removed from my credit as its not my debt nor has it been or I will pursue litigation due to unfair debt collection practices which is a violation of my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage was transferred to Freedom Mortgage prior to the first payment. The first payment was due on XXXX XXXX XXXX. We paid the amount due for XXXX on XX/XX/2023. On XX/XX/2023 I was advised by email that Freedom Mortgage had not paid the insurance the insurance would be cancelled if payment was not made on that date. I called Freedom Mortgage and spoke with XXXX XXXX. She acknowledged that payment had not been made and said she could remedy the problem by making a credit card payment to the insurance company. She advised that there would be a 2.99 % charge on the credit card which amounted to {$120.00} and that amount would be billed to me and added to the principal. 
I have done everything correctly under the contract and should not have to absorb a cost due to their incompetence.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
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:
In XXXX of XXXX I sent Equifax a letter requesting to have my personal information updated as they had several erroneous addresses being reported, some were addresses I have never lived at. Their first response was that I did not send enough information for them to properly identify me. I responded by sending them my home address and my social security number requesting again to have my information updated to the correct information. I was asking them to update my current address to my po box address and to remove my date of birth, my work history, and the wrong addresses ( 8 in total ). The second response I received from them was that I still did not provide enough information for them to make the requested updates and to send in a copy of my social and also a proof of address for the po box . I submitted the requested documents to them, and they received them XX/XX/XXXX. I am submitting this complaint because the information still has not been updated as I requested. They removed all of the old addresses, but are still displaying my full date of birth, my home address and my work history. I am frustrated at this point because I wish for my rights to privacy to be respected. I specifically stated in the letter I do not wish to have my home address publicized. I do not feel I should have had to make this many attempts just to have my personal information updated, especially after I have given them all of the proof they need to show I am who I say I am. I would also like to add that all of my correspondence with Equifax has been through my po box . They have not sent anything to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX XXXX U.S.C. 1681 Section 602 A States I have a 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 which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-09-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited {$80.00} to an atm at XXXX XX/XX/22. My balance was then {$80.00}. 4 minutes later at XXXX, I XXXX {$80.00} out of my account. Im back to XXXX XXXX I have atm receipts and emails to prove the time. On XX/XX/22 I noticed I was charged my $ XXXX  monthly fee. No big deal. My account was then - {$10.00}. I added {$20.00} at the atm so my new balance was {$9.00}. I then zelled out {$9.00} to cover a gym membership on another account. 

5th 3rd bank charged me {$37.00} overdraft fee by back dating their {$11.00} fee to the XXXX and forward dating my {$80.00} XXXX to the XXXX, which is fraud. I have time stamped atm receipts and emails to prove this. They did this to collect their fee. Their document makes it sound like they coveredme as if I was in the negative. As we all know you can not XXXX  money out that you dont have in your account. My {$80.00} XXXX went through without an issue putting me back to XXXX XXXX balance which is what it was before my {$80.00} deposit. 5th Third Bank committed fraud and I have proof with time stamped receipts and emails. No $ XXXX  monthly maintenance fee went through my account until the XXXX, otherwise my account wouldve been- {$10.00} when I rolled up to the atm on XX/XX/22 at XXXX not XXXXXXXX XXXX in the positive.

Company response to consumer: Closed with explanation