BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by a mobile phone number posing as Wells Fargo Fraud Department asking if I had authorized a charge for {$800.00} at XXXX XXXX XXXX, I replied no and was told I would be contacted by a representative. I was then called by someone with the same number as the actual Well 's Fargo Fraud Department and was then asked a series of questions in regards to my identity an account information. I unknowingly gave the scammer access codes that I received on my phone to change my online bank account password and as well as my social security number. The scammer then asked for a final code while being told that my account was flagged for a series of fraudulent activities. The last code was to authorize a XXXX Transfer for {$1000.00}, I noticed the text and notified the person on the phone but was assured that it was a part of canceling a charge. I have since contacted my bank to explain the situation. The scammer had already obtained my online login information : username and password, before initiating contact with me and used the actual Wells Fargo 's Fraud Department number to contact me from. This is the only reason I provided the scammer any access codes.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Source : TransUnion Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Activity : 60 days past due The continue to report the wrong balance on my report. They also continue to report it as if I have not made payment. It continues to increase in date. 

This information below is the actual amount owed on this account. 
Recent Account Activity Date Type Details Status XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid

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 2017-10-23
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: IN
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:
See Attachments Sent Certified mail XXXX They are in violation of 15 U.S. Code 1692g ( b ) 15 U.S. Code 1691 ( a ) ( 3 )! 5 U.S. Code 1691 ( d ) ( 6 )

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 2017-09-08
Company: EQUIFAX, INC.
State: TN
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

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 2022-02-07
Company: SLM CORPORATION
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:
I am a victim of identity thef

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please answer each Fact stated in the Affidavit of Truth attached hereto. These and all other attachments/ Exhibits were received by Wells Fargo XXXX XX/XX/2021. Attached is also proof of delivery.

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 2022-07-09
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

XXXX XXXX XXXX account, 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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
On XXXX XXXX, XXXX, I found out that my personal information may have been stolen during the recent security breach at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My bank Suntrust/Truist has charged me over XXXX in NSF in less that a year. I have addressed this issue with the bank many times with no assistance. I have NEVER opted in to overdraft protection therefore the bank should NOT overdraw the account. The bank also intentionally DO NOT credit XXXX, Transfers etc. immediately so that they can charge NSF fees. I am currently seeking with an attorney about a Class Action Lawsuit. Suntrust/Truist is making BILLIONS with illegal NSF practices 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 2020-07-03
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I sent in dispute and its been well over 30 days and I havent received any response back form them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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:
A XXXX XXXX XXXX XXXX account appears on my credit report. I have sent an FTC report to Experian to show proof that the account was opened due to myself being a victim of identity theft. Experian removed the account once they received my FTC report. Experian recently added the fraudulent account back to XXXX XXXX XXXX XXXX requesting the account be reinserted. The creditor never provided any supporting documentation to show proof this account belong to me also Experian never sent any notice in writing to provide reasoning for the reinsertion 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 2022-02-10
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The collector that called me did not disclose the mini miranda or the recording disclosure. She also did not confirm any personal information before disclosing the reason for the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I settled on the sale of my home in XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I received an email from the mortgage company, XXXX XXXX, on XX/XX/XXXX congratulating me on paying off my mortgage. I received a release of lien on the house dated XX/XX/XXXX. 
I sold my home to get out of debt and to move to XXXX  to be near family. I recently checked my credit score on my XXXX credit card and saw that the mortgage balance of {$96000.00} was still on my outstanding balances. I called XXXX and they gave me a phone number for Experian which I called to no avail. Today I checked my XXXX card and got the same result. I researched online and found that Experian makes it almost impossible to reach a human. I called every phone number for Experian I could find and got the same recording foreach one, leading nowhere. 
I am concerned that I have been on the waiting list for an apartment in XXXX  since XX/XX/XXXX. I prequalified but I will have to requalify when an apartment is available which should be in the next few months. I am XXXX  and worked part time until the end of XXXX. The rent is income related but Experian 's incorrect information is making my credit score worse, not better. These reporting companies should be held accountable.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, DEPT OF EDXXXX Account # XXXX, XXXX 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 2017-08-16
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: Account information incorrect

Complaint:
The current ten-year HELOC was set to expire on XX/XX/XXXX. XXXX XXXX instructed us to apply for a new HELOC as the expiring HELOC product was no longer available. The new HELOC application was completed and submitted on XX/XX/XXXX, XXXX XXXX responded as follows : > Credit Score created on XX/XX/XXXX through Credit Reporting Agency : Experian > Special Credit Score Disclosure Form > Housing Counseling Agencies Notice > Declination letter dated XX/XX/XXXX > Contacted XXXX XXXX Consumer Lending Department upon receipt of declination letter only to learn that the department generates their own custom credit score using credit reporting information obtained from Experian ONLY! This was the first time an application for credit has been denied for either one of us. Despite debt/income and loan/value ratios exceeding the requirements, the declination determinate was XXXX XXXX custom credit score fell ten points below the banks required minimum score. This news ensued with disbelief as are FICO scores continuously reported within a range of 760 to 820. Further investigations produced the following : > My individual credit score obtained from Experian within days of the declination resulting in a score thirty-nine points higher than the referenced initial credit score from XXXX XXXX. > Credit scores calculated by the other two national credit reporting agencies were ninety and one hundred ten points higher than the referenced credit score from Experian/XXXX XXXX. > On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order Administrative Proceeding File No. XXXX against XXXX  XXXX, XXXX and companies for deceptively marketed credit scores to consumers by misrepresenting that the credit scores it offered and provided to consumers were the same credit scores lenders use to determine creditworthiness, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), U.S.C. 5531, 5536 ; and. Per review of the Experian Credit Report dated XXXX XXXX, unpaid medical bills are listed as current collection debts without any reference to their validity, date of service or expiration via Florida Statutes of Limitations. These same medical bills negatively impacted the initial credit score from Experian/XXXX XXXX despite creditors being prohibited from obtaining or using medical information when making a credit decision per the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed for Chapter XXXX bankruptcy in XX/XX/XXXX this was discharged in XX/XX/XXXX. Virtuoso Sourcing Group somehow obtained the account I included in bankruptcy with XXXX. So both names where listed on the Chapter XXXX filing. Shortly after the discharge Virtuoso Sourcing Group starting reporting that I had an " open '' collections account with them in the notes it says included in bankruptcy. The way they have this written is not typically seen by a creditor, they see I have a open collection account. The way Virtuoso Sourcing Group is reporting this hurts my score. I have tried over the past year and have to try your correct this matter with the company directly either by phone or via disputes with the credit bureaus they have been 100 % on willing to correct the matter and have threatened to reports this account several times on my report she make it appear that I have numerous corrections accounts. I want Virtuoso Sourcing Group to remove this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally relies on a network of dealerships that serves as intermediars who originate financing deals with customer. However, Ally Finanical controls all aspect of the loan process. The dealer has no role in approving, making docmenting, funding, holding, servicing, or collecting the loan. Auto lenders are required to follow standards that ensure borrowers can repay their loans. No paystub, employment, and etc was required to open this loan because if due diligence was done Ally wouldve known that I never had a job in my life. How can a loan application get approved if the customer has no way to repay the loan. Ally has predatory lending and deceptive debt collection practices. XXXX XXXX XXXX was sued for the excat same predatory lending and deceptive debt collection practices. The AG of PA should follow. Delete this account from All XXXX  ASAP! This is Sub Prime lending at its best!

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 2019-11-26
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 checked 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 monetary relief
Consumer complaint received 2022-02-07
Company: CITIBANK, N.A.
State: AE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to settle a debt that is shown as a " charge-off '' on my XXXX Credit report with Citibank ( Best buy ). I have attempted to settle the debt numerous times now ( at least XXXX ), always speaking to a different representative but as we get further into the conversation before the actual settlement agreement is stated, I assume the call disconnects or the operators stop responding. 

Phone number called : 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 2022-02-07
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:
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 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