BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has altered the date of an account opened from comenity bank on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on 4 times. the woman I spoke to XXXX, informed me that this debt was from a XXXX  credit card opened in XXXX  but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Background : I have a couple of business loans ( about XXXX ) in my corporations name with Wells Fargo that have been suspended since the pandemic began. I made regular payments on them before the pandemic. For three years since, I have made no payments. 

In XXXX of this year, the bank suddenly took about XXXX from my personal and business accounts and applied it to the loan. I called them and asked them to create a payment plan. They refused. They said they would come after my personal assets for the rest of the loan. I have no personal assets. In fact, after they emptied my accounts, I was at extreme risk of financial collapse. It was tantamount to a sudden and unproved violation that left a family of 4 on the brink of disaster. I pleaded with Wells Fargo to structure a repayment plan ( as I have done with many of my other credit lines ), but they intended to engage in this aggressive posture. My pleas fell on deaf ears.

The outcome I am looking at from this part of my complaint is for Wells Fargo to restore the funds to my accounts and engage in good-faith negotiations to structure a reasonable payment plan. At this point, I am faced with their belligerent threats to drive me into abject poverty by confiscating any and all of my existing or upcoming funds. I am at a loss as to why and how this is allowed. I am not a corporate entity with deep pockets. I have no employees. I am essentially a self-employed individual who has incorporated because of the demands of my profession. Please help me gain mental and emotional stability by limiting the banks ability to violate my family and me.

As an IT professional, I have a limited income and have struggled financially through the pandemic. I need assistance to stay on my feet and continue being a productive member of society. Please do what you can to provide guidance or move to remedy my situation with Wells Fargo to help ease my mind. This has been very difficult for my family and me emotionally, and I need any help I can get to navigate this challenging situation I have been thrust into.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XXXX XXXX XXXX Since then I have made 3 additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send one last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Financial Business and Consumer Solutions.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted XXXXXXXX XXXX about account they are reporting as a chargeoff on my credit file but they said they dont have the account and referred me to XXXX XXXX XXXX XXXX XXXX tells me they dont have the account and I should contact FBCS. I contacted FBCS and they dont have the account and referred me back to XXXXXXXX XXXX who still insist they dont have the account. This missing account is reporting monthly as a charge off and no one can provide me any information on the file. I am trying to get a mortgage and this account is preventing me from doing so. I have been getting the run around from all three companies on this account since XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: AL
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:
Do to my understanding someone have assent to my personal information due incorrect social security names appears on my credit report if an address I have no knowledge of an account I have no knowledge of if they names doesn't match my government issue identity card birthday it's identity theft I requested I a full investigation an everything should be removed off my credit report due to identity theft full disclosure everything should match if my names doesn't match I requested everything be removed

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 2022-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Receivables Management Partners, LLC
State: CA
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:
RMP Services LLC. is a 3rd party collection agency for medical bills or shall I say physician bills that are unpaid due to either a lapse of insurance or no insurance. I am a XXXX XXXX and was shown to have been covered by my provider which they had already confirmed they had the information for. This predatory form of balance billing has been detrimental to my not only my credit score but it has damaged my credit profile and has altered my life in a very negative way. This defamation of character promotes the idea to lenders that I am a irresponsible borrower and not worthy for accounts or services that I've applied for. 

This clearly being some sort of error I spoke with both companies on recorded conversations. I provided both XXXX ans RMP Services with all the necessary information to conduct a thorough investigation to the facts. In my dispute neither of the companies conducted any type of investigation and they simply just updated my credit file as verified and accurate. 

I was even able to get both representatives of the company on the phone with each other in a conference call and they continue to be reluctant to remove it from my report. 
It feel like they are being very discriminative in their approach to remove it from my report and are attempting to punish me for speaking up and pointing out there error and violations of federal law by reporting inaccurate information on purpose out of spite. 

I've asked very kindly for them to correct this information immediately and they still after XXXX XXXX today admitted that they made a mistake and this was duplicate billing and that it was their mistake. I was still advised it could take another 2 months before it can be corrected. 

I spoke with XXXX in the company of also XXXX XXXX on XX/XX/2022 who were said to be supervisors as they confessed and confirmed the mistake on their behalf. I was advised that the conversation was monitored and recorded for the purposes of still collecting a debt that I did not owe. 

Please assist me with this account and prevent this company and XXXX from further damaging my credit and preventing me access to fair credit reporting information. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NV
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:
I am still unable to access my credit report on your website even after your reply to my complaint via the cfpb and despite my answering and verifying myself on the phone several times with agents. I have done documents through stupid links and i am now worried about the safety of my information and how it is handled. I want access to my report as it is my right. 

please do not just close without resolving the issue or reaching out to me about the issue and fixing it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: WI
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 noticed FRAUDULENT accounts on my credit report in XXXX of XXXX and have disputed these accounts several times since then with no results. This has held me back from getting a vehicle under favorable terms, an apartment in my name, and countless other missed opportunities. I need these fraudulent accounts removed from my credit profile/consumer report as soon as possible. 

I've attached my most recent dispute letter, a copy of my Equifax credit report and a copy of my Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Village Capital & Investment LLC
State: MI
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 report act this creditor has violated my rights. ( XXXX XXXX ). Under 15USC 81 1681 sec 602, states that I have the right to privacy. Section 15USC sec 81 604a sec 2 also states. A consumer agency can't furnished an account without my written instructions under 15USC 1666B a creditor may not treat a credit card payment open an under consume a credit plan for late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-08-01
Company: Foris DAX, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been a victim of a scam, I was offered investment services, but they turned out to be fake. I transferred the funds from my bank ( XXXX XXXX, XXXX XXXX  ) to the crypto platform ( crypto.com ) and then they were supposed to go to my trading account ( XXXX  ) but in reality, they were stolen from me. I did try to approach my bank and crypto platform but they never replied to me in satisfactorily. I provided them proof that the funds were transferred to shady wallets which could have been avoided if they acted promptly. 

I can provide all the letters I have sent and emails I got in return. 

Thank you and Regards P.S. 

All money wire is transferred from my banks to Crypto.com directly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is part of a scam organization as the external wallet reflect multiple transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently I received a document from Wells Fargo dated XX/XX/XXXX. On page two last paragraph Wells Fargo allowed an unauthorized 3rd party to speak on my behalf and make payment assistance options without me as the homeowner giving permission or signing consent which is a direct violation of my homeowner rights. Also in the same document Wells Fargo mentioned the reason they denied my modification was because they never received all of the necessary documents from loan lawyers. However on another email sent to me by XXXX XXXX  which are their attorneys mentions that the reason I was denied modification is because my loan is 3+ years delinquent with a credit decision post from XX/XX/XXXX. I wasnt in the house in XXXX, in fact I didnt purchase my property until XX/XX/XXXX. I have never received assistance, and I have never received a modification for my property. This is another clear case of racial discrimination, and unethical acts by Wells Fargo and they are doing to me what they are and have done to many other XXXX and minority home owners which using unethical acts and violating rights to cause families to lose their properties. I expect a fair opportunity to save my home as every home owner deserves. I also informed Wells Fargo I wasnt in my house from XXXX until XX/XX/XXXX being that I was going through a divorce I also sent them the divorce decree as proof.

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 2022-11-25
Company: Experian Information Solutions 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX, and XXXX CHILD SU XXXX have 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 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 2023-04-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I been having deposits going into all my accounts and I still can't do no check cashing nor pay any bills and I have all my banks leak to each other.i have deposit going into all of them and they will not do no overdraft are protection.and I think that's wrong.they won't let nothing go threw for me.im trying to build my credit.i can't get a loan are nothing.they all turn me down.why.i was dashing and my car broke down and XXXX XXXX XXXX XXXX.making it had for me.i lease my car from them and it broke down.and then I couldn't work.and then I caught XXXX and was hospital.and then on top of that I got XXXX problems.i can't do nothing.everybody turn me down cause XXXX XXXX XXXX  get me delluent cause I can't pay.then on top of that I still got to pay XXXX for a car I no longer has.and wont no bank let me over draft are nothing.im trying to get well so I can work.every bank I apply for a loan I get turn down.why.i don't got perfect credit.i just need a chance.i got overdraft and protection.and I still can't go overdraft.why cant I get a credit card checks and banking and saving at one bank instead of 3.i really need some 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 explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NV
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:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Diversified Consultants, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give permissible authorization for this company to check my credit report.

Company response to consumer: Closed with non-monetary relief