BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
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:
I have been trying to get Chexsystems to remove fraudulent inquiries from my report for accounts I did not open. Each time I submit a dispute, it comes back verified despite me stating that it was the result of Identity Theft. Of course, if SOMEONE else applied for accounts in my name the inquiry did indeed occur, but not by me. 

I have submitted my reports stating that I did not myself apply for these accounts and submitted an FTC report, they are stonewalling me. They lose my affidavit, but then tell me to get it signed by a police XXXX. The first time I called, it was said to get the FTC report, and that a police signature was not needed. Each time I try, it's something new to stall the removal of inquiries I did not make. Each time I get different hoops to jump through that the previous person did not suggest or make clear.

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 2023-06-06
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Dear, Macy/CBNA I the consumer recently checked my consumer report and noticed you are currently furnishing inaccurate information on my consumer report. The account mentioned in this notice is being reported as a charged off and charge offs/canceled debts are considered income according to irs publication 4681. Canceled debts and/charge offs are income and by law the only thing permitted to be furnished on the consumer report is debt. As a furnisher of my consumer report you have a duty to furnish accurate information under 15 USC 1681s-2. Failure to delete this charge is a direct violation of the law and continuance of furnishing this false and inaccurate on my consumer report after this notice will constitute immediate default in accordance with rule 55 of civil procedure. I also want the account to be updated to paid in full/paid as agreed since a 1099 C was filed on this account and I the consumer never received my copy.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
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 information for this account on my credit report is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was a Wells Fargo customer, ( XXXX ) and they continuously overcharged my 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 2023-06-06
Company: ERC
State: MO
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:
This company has continued to ingore my request for validating this account to now reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.

This serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have request a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 day to complete your investigation.

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 2023-06-06
Company: BARCLAYS BANK DELAWARE
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:
I have previous been a victim of fraud my credit report emailed me about suspicious activity from Barclays Deleware Bank and there was in the past from XXXX XXXX XXXX where someone opened up accounts in my name. I can confirm I did not open up any accounts. The account states it was open XXXX XXXX and it put a hard inquiry on my 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 2022-09-03
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:
XXXX XXXXXXXX XXXX XXXX $ XXXX Speedy cash XXXX XXXXXXXX {$350.00} XXXX ordnance with the Fair Credit Reporting act Convergent 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 explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MI
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 had information that there were inaccuracies on my credit reports and asked them to remove them and they declined.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly " frozen '' if Wells Fargo suspected a single deposit was fraudulent Deposited my money. Traveled to New York assets frozen, despite doing everything to avoid this .... Including reporting going on vacation XXXX. 

At check in of hotel, my funds were frozen and unable to get my family a room. It caused us to purchase plane tickets back home prematurely because we were stranded with no money, despite the account have ample enough money in the 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 2023-01-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Truist bank and after opening every time I made a deposit they put 2 and 3 week holds on my deposits causing payments to overdraft my account. I was not told this upon depositing but received a note card in the mail 2 weeks later. I called to get it taken off and they said no one could do that and they had the right to do this to anyone at anytime. This happened before one of my many surgeries and I had no way to pay for my medications. I even sent proof that these checks they had a hold on had already cleared the banks the checks were written from and the money was there but they still held it for weeks. After the hold was lifted I had to call back and dispute the overdraft fees. I got them returned one time after this happening numerous times.

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 2023-02-02
Company: EQUIFAX, INC.
State: AZ
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:
This is to XXXX - Equifax - and - XXXX I will put the letters here that I have sent off and nothing has been done about it and it is really annoying to not even be helped after so long. 

Please remove all of this negative information off of my credit profile. This is absolutely annoying, and it is stopping me from buying a house. I really need help and would much appreciate it if you guys took care of this for me. I just had a kid and now me and my lovely wife are trying too get a house for our little one to grow up in but this is just absolutely holding me all the way back. So please help and have a blessed one. 

to XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo home loan, and refinance. I signed up for a 3.25 % refi loan and never missed a payment and when I found out it had been changed to a higher rate I paid it of early. I tried to get satisfaction for the oversight but it was not taken care of, just passed around. Highly irresponsible and cost me money. Still waiting...

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a loan modification with Wells Fargo, but the amount of the monthly payments were as high or higher than previous monthly payments. They then did not approve me for another loan modification. I did not receive any notices of foreclosure or closing documents even though they knew my email address. They also charged me many fees and didn't want to work with me to allow me to keep my home. 
They also changed my Home Preservation Specialist contact person many times. 
XXXX XXXX initially XX/XX/XXXX, than XXXX XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX. Finally, after all the new reps they kept changing on me, XXXX XXXX XXXX just stopped answering my emails and phone calls and I heard nothing from Wells Fargo again until XX/XX/XXXX when they started the foreclosure process. 
During the times when they kept changing my point of contact, the replacement representatives didn't seem to share my information, as such, I was required to re-submit all the documents again and again and again. 
I was so stressed as both my parents passed away ( father in XXXX and mother in XXXX ), my wife 's mother passed away in XX/XX/XXXX and with XXXX XXXX going under and XXXX, Wells Fargo took advantage of me and " stole '' my home away from 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 2023-04-25
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: Account status incorrect

Complaint:
Describe what happened I Just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payments is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

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 2023-06-06
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone has hacked or gain access to my ( Truist ) bank account and made a payment with XXXX of {$1600.00} at XX/XX/XXXX. I then reported this to the fraud department which they said it would be refunded in 4 business days. I then got an email saying that they are not going to honor my claim. I have called their fraud department and they would not give me a clear explanation why this fraud is not being handled.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I spoke with XXXX  call reference # XXXX. She stated my identity theft dispute investigation will not be completed until XX/XX/XXXX. My dispute was initiated on XX/XX/XXXX which means it should be completed within 4 business days, I have submitted my FTC report and Police report to transunion as well. 
After I spoke with XXXX she transferred me to XXXX XXXX would not spell her name for me ) she asked me what was going on then mute he phone and hung up. How distasteful.

15 U.S. Code 1681c2 - Block of information resulting from identity theft The FCRA states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
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:
that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
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 2023-01-20
Company: EQUIFAX, INC.
State: TX
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 sent letters out to the three bureaus regarding inaccurate information and they have failed to respond. asset care failed to provide a dispute notice after 30 days and their a balance of XXXX, i do not have a contract with XXXX XXXX. there is also three other medical collections that are reporting and i disputed these accounts in this amounts. they do not even have the furnisher information or who reporting this. this is not my medical collections, i asked them to verify 90 days ago and asked them to delete. i have not got anything in the mail regarding my disputes and the bureaus failed to enter my dispute notices. please the accounts in the amounts of : XXXX XXXX XXXX please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: TX
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 sent letters to equifax asking to verify information on my credit report. they fail to respond to my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called Wells Fargo to find out if my checking account ending in XXXX was one of the XXXX XXXX customers who qualified for damages under the XXXX XXXX dollar settlement. The representative said that he didnt have any information and couldnt tell from his end. This complaint is solely for finding out if my account is affected and if so, when would I receive payment.

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 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I WAS NEGATIVELY IMPACTED BY THE XXXX XXXX PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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