BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX 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 2015-04-13
Company: BANK OF THE WEST
State: NV
Product: Credit card
Issue: Other

Complaint:
There a XXXX fraudulent credit cards that were opened and used without my knowledge over the past few years. I 've filed this report with you people numerous times and you have done nothing. This case is being investigated by the FBI, letter attached. 
I have written numerous letters, made numerous calls, the Private Investigator assigned to not only mine but others in this matter have also exhausted their effortsI keep receiving letters from Bank of The West that they have turned the account to charge off. This is not my debt and they have not once called the FBI to confirmed as other creditors have that have released the debt. 
I have been harassed by a man at Bank of The west by the name of XXXX ( XXXX ) XXXX and he flat out told me I was a thief and this was my debt. 
Bank of the West has been very rude and called me a thief even. How does a consumer that has been issued an FBI 's victims number and pin, l having to register on the FBI 's Victims sight get treated this way????? I want you XXXX the CFPB do FINALLY DO SOMETHINE ABOUT THIS HARRASSMENT. FBI VICTIMS LETTER ATTACHED ALL THREE SHOWING THE CASE IS STILL UNDERACTIVE INVESTIGATION AS THEY HAVE PINPOINTED AT LEAST XXXX VICTIMS. 
THE PROBLEM IS YOU THE CFPB HAVE TAKEN THEIR SIDE AS WELL AND NOT FORCED THEM TO CALL THE FBI TO VERIFY THIS CRIME. THE CARD COMPANIES THAT HAVE RELEASED ME FROM THE DEBT DUE TO FRAUD CALLED THE FBI AN VERIFIED. BANK OF THE WEST SAYS THEY DO NOT HAVE TO. I AM VERY DISSAPPOINTED IN THE CFPB AT THIS TIME AS WELL AS YOU ARE NOT PROTECTING INNOCENT VICTIMS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: WA
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: Problem getting your free annual credit report

Complaint:
Back on XXXX XX/XX/2020, I made a lawful request for a free annual credit report as part of a credit card application. I had never made this free annual credit report request before and I made it directly online to Equifax, XXXX  and XXXX. I then received favorable credit reports immediately back from XXXX  and XXXX. My Equifax application was met with a lot of questions to me that made no sense and asked me if I had ever lived at any of the unknown addresses provided to me. I did not know any of the answers of the unusual questions asked of me and I made it clear in my online response to Equifax. Equifax then told me that I would have to write them to ask for a copy of my credit report, which I immediately did. However, the following day I received information that my credit card application had been denied due to damaging information provided by Equifax. On or about XXXX XX/XX/2020, I received a letter from Equifax that I would again need to resubmit my free credit report application to them, however, it was at this time that I noticed that Equifax had spelled my name wrong and again referred to information that I had no knowledge of. I immediately wrote back to them clearly pointing out who I was, my real name and the fact that I did not appreciate Equifax reporting false information about my credit history. They never responded. I wrote them again on XXXX XX/XX/2020 and again they refused to respond. I am sure I am not the only one that they have pulled this crass stunt with. Please investigate this malfeasance on the part of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: IN
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:
Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX identity iq or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting XXXX or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Beginning in XX/XX/2022 I began experiencing fraud related issues on both my personal and business checking accounts. Wells fargo failed to take proper action to close my personal account. The block did not work I incurred numerous overdraft fees as a result due to my available balances being lowered. Not all my fees were reversed. WF refused to provide a copy of written policy. My personal account is now suddenly closed without any prior notice. I am unable to view any statements online as the entire account was removed. They are denying my request to open a claim on my business account for the fraud charges. My account is still overdrawn due to all the excessive overdraft fees. I refuse to pay these illegal charges. My account needs to be fully corrected immediately. Their executive resolution team has not resolved anything.

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 monetary relief
Consumer complaint received 2020-10-01
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 explanation
Consumer complaint received 2015-07-03
Company: AFNI INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My mother took out a loan in my name and then left the payments to lapse onto me. My credit score is less than XXXX now and I have been informed that charges are going to be filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX / XX/XX/2020 for 30 or 60 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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 2022-07-20
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The XXXX has been working with us ( my wife and I ) and has been engaging with Shellpoint XXXX XXXX dba Newrez LLC. XXXX is willing to pay the cost as 2020 due to COVID. Additionally, my wife and I are willing to pay XXXX dollars in addition to what XXXX is planning to pay. This leaves about XXXX that we are requesting Shellpoint to act in good faith, total consideration, and modify the morgage However, Shellpoint seems to demand all the money to be paid right away. Shellpoint has sent a proposal to XXXX asking for all the money to be paid off. If not, Shellpoint want us to mortgagors to pay the money. Our complaint is that Shellpoint is acting out of the consideration to prevent the foreclosure and is denying us the right to modification considering the XXXX is stepping in to support in every way possible as well as our efforts to pay XXXX dollars. We have XXXX children and foreclosing the property will destabilize us and we won't have a place to live. We want to keep the property and continue paying our mortgage as it should be. Since my last complaint, we have applied for modification several times and Shellpoint has been denying us. We are completing another one tomorrow and if Shellpoint is not going to consider what XXXX is paying in addition to what we are paying, XXXX dollars, then they will deny us right away. Shellpoint should grab the opportunity to prevent the foreclosure by modifying the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: IL
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 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 2022-02-26
Company: Experian Information Solutions Inc.
State: MS
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:
There has been several wrong items on my credit report. I am a victim of identity theft and as result fraudulent inquiries and charges that have been made on my credit card accounts and a misrepresentation of my creditworthiness is publically displayed to lenders thus causing financial hardship and premature denial of 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 explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2015-09-15
Company: REGIONS FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX I was to appear in XXXX County Curt which I did The mortgage company is Wells Fargo, Wells Fargo had me do a XX/XX/XXXXmodification which I did and submitted to them. In XXXX sometime, governor XXXX did and executive order to stop foreclosures in process until XX/XX/XXXX the courts would re open .then. I was advised that my virtual court date was XXXX with Wells fargo and XXXX County court. Wells fargo approved and made an offer from XX/XX/XXXX-to XXXX, well in this time frame the courts were closed. Today I said I would like to take the offer made, The attorney stated form wells fargo that the offer is no longer valid, I stated this is not fair due to the pandemic how was I supposed to answer when everything was shut down due to executive order for XX/XX/XXXX. Then the Wells Fargo attorney stated that I need to re fill out application again and they may or may not except. I feel I am being taken advantage of during this pandemic and if they will not except my application I loose my home. I need help desperately. Is this legal that they can do this during a pandemic? how was I supposed to respond when courts shut down? Please help me I'm desperate. I can be reached by phone at XXXX or by e-mail at 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 2017-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. A XXXX XXXX credit card was opened in my name in 2013. I was unaware of this fraud until recently being contacted by Portfolio Recovery Services who has purchased the debit from XXXX XXXX. 

In order to for me to investigate the fraud, and hopefully have the negative impacts removed from my credit reports, I have repeatedly asked Portfolio Recovery Services for the following information : Application records or screen prints of the original internet/phone/mail application. 
All statements/invoices ( from opening date to account closure ). 
All payment/charge slips. 
Delivery addresses associated with the account. 
Any other documents and/or investigations associated with the account. 

To date, Portfolio Recovery Services has only mailed me a few ( XXXX ) statements from the account. These statements provide scant information and do not address any of my requests stated above. Today I received a letter from Portfolio that stated the following : " If we continue to receive subsequent correspondence from you regarding the dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming. Our office considers this matter closed. '' Even though Portfolio Recovery Services knows we are disputing this account as Identity Theft, they continue to call us weekly demanding payment and we receive weekly letters from them demanding the same. They obviously are not interested in helping us investigate the fraud and are only interested in profiting from it. I hope you can help in forcing them to provide the information I so badly need. Thank you - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief