BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
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:
Over the course of the last year, I have been disputing with Experian regarding fraudulent accounts reporting on my consumer report due to identity theft. I have spent the last several months sending in disputes and asking for a thorough investigation to be conducted as they would clearly see I was a victim of identity theft. I have ask for validation of debt, wet-ink signature, original contract, all statements, day, time, location, and method the fraudulent accounts were opened. I've also asked for payment history, any correspondence sent to my only and current address and these neither Experian nor the furnishers of the fraudulent accounts, them being XXXX XXXX XXXX and XXXX XXXX, have provided me such information. After contacting my attorney, I was advised to complete an identity theft police report that would make Experian by law, remove the fraudulent charge off accounts by XXXX XXXX XXXX XXXX XXXX XXXX and block any attempt by either XXXX XXXX XXXX or XXXX XXXX to re-report the fraudulent account. I submitted the dispute online and attached the submittedidentity theft police report, the approved identity theft police report, my current California drivers license, signed SSN card, and credit card statement showing my current and only address, Experian opened the dispute only to send me correspondence via email directly from them stating they are declining to block fraudulent information being reported month and after on my consumer report. THAT IS A BLATANT VIOLATION OF LAWS put in place to protect consumers like myself, and it is the job of CFPB to ensure they follow the law. I will attach the email Experian sent with completely irrelevant reasons for why they declined to remove and block the fraudulent information. They never denied the identity theft police report nor did they send me other requested information in that dispute letter. I am completely fed up with Experian and I ask that the CFPB force Experian to follow the law and remove the fraudulent accounts reported by XXXX XXXX XXXX and XXXX XXXX. I have never had any credit accounts with either company nor do I intend to after this disastrous mess I have had to deal with because of identity theft. I have put in several protocols in place to make sure my identity is not stolen yet again by changing banking or financial app-related passwords, enrolling in a identity theft monitoring service, as well as keeping a close eye on my credit reports.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-26
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: Was not notified of investigation status or results

Complaint:
I mailed XXXX on XX/XX/2019 to inquire them to do a debt validation but unfortunately never received any documentation back. I had pulled my report and tried calling the two cards " XXXX XXXX XXXX '' on XX/XX/2019 and customer service stated they had no recollection of my account and could not find any further info and unfortunately they could not delete something they could not find. It has been years I am trying to by a home and I want a resolution to this. Please assist thanks.

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 2023-01-22
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: Account information incorrect

Complaint:
The balance on my XXXX XXXX Credit Card is showing as {$2300.00} when It was reported on XX/XX/2023 however, my account balance has been {$0.00} prior to XX/XX/XXXX. This false reporting is only occurring on my Equifax credit report. XXXX XXXX XXXX has the balance on this account as {$0.00}. This inaccurate reporting is causing a drastic drop on my Equifax credit score. Please get this information updated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Information belongs to someone else

Complaint:
I viewed my credit report and I have no knowledge of the debt that is being reported. I need these accounts removed today. I have attached a cover letter, id, social, and ftc report. Please refer to the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see this complaint - XXXX, I was overseas for work for multiple years, during that time frame XXXX Resurgent Services illegally collected on a debt and took me to court. They illegally obtained a judgement against me and did not perfect service on the attempted collection. 

This company was involved with LVNV Funding LLC and XXXX XXXX XXXX colluding and illegally conspiring to collect a debt that was not valid. Using proof of an XXXX spreadsheet with my social security number does not result in affirmation of debt. 

The company now has caused harm to me, and their solution is to send me out a fraud affidavit - without recognition of the illegal summary judgement they obtained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: MD
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US Bank refuses to let me get my money out of my account my account is due to close I'm just getting the runaround from the fraud department being told that I couldn't get my money that I would have to wait for a cashier 's check which I shouldn't have to I should be able to walk in and withdraw my money out of my account and let them close my account but instead they are giving me the runaround holding my money without legitimate reason I should be able to pick my funds up I don't understand why I'm getting the runaround from this Bank firstly I don't like dealing with checks I would like to get my money just as I put it in I would like to get it out this is why I am filing this complaint against them

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 2023-03-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CHASE bank XX/XX/XXXX Checking account available balance- {$1400.00} XX/XX/XXXX Check deposit of {$9500.00} XX/XX/XXXX Check {$9500.00} posted available balance + {$8000.00}. 
deposit hold and restricted online account access. 

XX/XX/XXXX went to chase bank Deposited XXXX XXXX  XXXX substitute check amount of {$15000.00} at the teller without issue. 

I asked for helped to get me back my online access. Branch said they cant do anything since the back office placed restriction Called chase bank XXXX XXXX XXXX was told account was closed. Refused tell me reason why but was told after 7 days. remaining funds will be sent to my address. 

XX/XX/XXXX substitue check posted and made available balance. of {$15000.00} I dont have any direct access to account except info from text banking. 

XXXX XXXX substitute check deposited bounce. 

XX/XX/XXXX internal XXXX debit of {$8000.00} account balance XXXX. 

its already XX/XX/XXXX. I have not received anything from chase. I called several times and was told that account is already closed. 

Where did the balance on my account go?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello sir, This is XXXX XXXX XXXX. A friend of my online business friend we have been friends for 3 years so one day I ask him to help me out with money so I can get food and pay my bills becuase I have no job beacuse of my condition. I have not been walking for long year now so he got me a check to deposit on my pnc bank so I deposited not knowing that the check was faking without alaer or other and my pnc account was closed becuase of the mistake. Please I really need help with a new account so I can be able to pay my bills and get food etc. Please sir This is fro m jmy heart nevrwill I take a check from anyone Please I will not make msure mistake again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: VW Credit
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX we had purchased XXXX XXXX XXXX and myself XXXX and XXXX XXXX XXXX V wagon XXXX XXXX XXXX XXXX volts wagon did not go through and give me the paperwork at the time and when financing was being done my credit score was XXXX. My ex fianc was XXXX I do not have any source of income or any job, they asked me XXXX XXXX the sales person at Volkswagen of XXXX Indiana if I had a job and I said no and he said we will make it work, so XXXX XXXX XXXX was the cosigner. We went into the financial room, was led onto tactics of paint jobs extra charges that was not needed and so we both declined anything they did not give us any financial work, but had to sign papers. I was not aware of Predatory Lending and this is what has happened. I contacted volts wagon for, a copy of the financial records that we were not given the time of the sale after we left with the Volkswagen I am very disturbed that my credit score has dropped and that this is a part of Predatory Lending. I did return the XXXX  to volts wagon, but I would like my credit score to be back where it was since this is illegal. I am very concerned that I was taken advantage of this is not right to do to someone and I was not told what was going on when I went to return the XXXX XXXX XXXX XXXX is going to put it into his name or his business name supposedly and he had a negative balance on his trade-in of a XXXX  that I was unaware about of XXXX dollars when I return the XXXX XXXX had gotten smart with me and also lied and said that I filled out paperwork for a job which I did not because I do not have a job, I would like my credit score back to XXXX and my name removed off this. I had to actually text and call volts wagon several times to even get the financial paperwork that was signed off on because they did not give it to us the day of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. 

Please see my attached disputes previously sent to Experian and help me get these resolved. 

XXXX XXXX XXXX - Multiple variances and inaccuracies as noted below : Date of Last Activity : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. Date Reported : XXXX showsXXXX, Experian showsXXXX, XXXX showsXXXX Date Opened XXXX XXXX showsXXXX Experian showsXXXX but XXXX shows XX/XX/XXXX. Account status : XXXX shows opened, experian and XXXX show closed. 

See attached for more information on this account but it is inaccurate and needs to be deleted from my credit profile, much less, I have no idea what this is and if it truly belongs to me because XXXX hasn't proven it. 

XXXX XXXX XXXX XXXXXXXX - this is a HIPAA violation plus I have no idea who this is and if I truly owe this. I did not give XXXXXXXX XXXX permission to share my information with anyone. Plus they are reporting several inaccurcies : Date of Last Activity : XXXX showsXXXX Experian Shows XX/XX/XXXX XXXX shows XX/XX/XXXX. Date Reported : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Date Opened : XXXX showsXXXX, Experian shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 

These are clear violations of Metro 2 standards. Please help me get these removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Want to file a CFPB complaint against WellsFargo Bank Mortgage, dating back to XX/XX/XXXX of misrepresenting my mortgage loan for modification loan approval based off decrease in my annual income. Also, during XXXX pandemic between XX/XX/XXXX and XXXX was not allowed modification loan approval, was just given a forbearance and between this time I was forced to file XXXX XXXX bankruptcy through XXXX XXXX on XXXX XX/XX/XXXX, because of the disapproval of a modification of my mortgage loan with WellsFargo dating back to the beginning of XXXX XXXX, also still waiting for approval of modification from video hearing that was held on XXXX XX/XX/XXXX with my attorney XXXX XXXX XXXX I need to be refunded half of my attorney fees and XXXX XXXX fees dated back to XXXX XX/XX/XXXX because WellsFargo force me to file bankruptcy because of not granting a modification approval for my mortgage!

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 2023-02-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 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 an 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 2023-02-26
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX  ) {$170.00} 08 XXXX XXXX  XX/XX/XXXX ( XXXX XXXX  ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX mo XXXX does not belong to me

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 2023-03-28
Company: ID Analytics, 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:
I am writing this complaint to XXXX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Instead of protecting me and my account the company continued to allow the people use of the accounts and then subsequently kept all of my money and closed the account and provided no information to me the owner of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a summons from Accredited Collection Services ( XXXX, XXXX ) trying to collect a medical debt from Nebraska XXXX on Saturday, XXXX. The total was {$780.00}. I am not disputing this debt. On the following Tuesday morning, XXXX I called Accredited Collection Service at ( XXXX ) XXXX. I spoke to a guy and told him I had received the summons and that I would like to take care of it. He told me that there were a couple of accounts due also, XXXX, I asked if I paid these in total and if it would take care of my summons. I was assured yes. I gave him my CC # and made two separate payments. XXXX for {$740.00} and the other for {$310.00}. The total of the payments was {$1000.00}. I asked for a third time. '' this will take care of the summons, correct? '' Again, I was assured that it would. I received, dated XXXX, a XXXX and XXXX of XXXX in aid of Execution. So now they are going to garnish my wages from my part-time job to recover the amount. The amount that I was told by the ACS employee would be taken care of with my CC payment. After speaking with XXXX about the law firm filing the papers. She told me she would contact ACS for an explanation, Three days later she returned my call stating that ACS told me, when they took my CC payment, that I still had outstanding debt and that the payment that I made would not relieve the debt in the summons. That statement is 100 % FALSE, The man told me XXXXhree separate times " Yes, this will take care of the summons ''. I was purposely DECEIVED! I have since paid the debt to the law firm. I just feel that Accredited Collection Services is lying to me, purposely deceiving me and probably every other person out there. If ACS was required to provide a recording of the conversation we had,. I know that they would not be able to because they lied and they know it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation