BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX  XXXX Balance XXXX {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$230.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} 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 XX/XX/XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. 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 the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the complaint # XXXX Transunion failed to remove the XXXX XXXX  bankruptcy. I have provided documentation to support the removal. XXXX XXXX has confirmed they could not verify the Bankruptcy in their system I have sent the letter explaining that to Transunion and I have also contacted the US Bankruptcy courts and they stated they do not share this information with the credit bureaus. Transunion has failed to provide proof under the Fair Credit Reporting Act of 15 U.S.C sec 1681i ( C )? This is if you can not provide the proof where you are getting your sources form it MUST be DELETED.

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 2023-01-21
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: Reporting company used your report improperly

Complaint:
The accounts listed below has violated my federal and protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX  XXXX ( XXXX ) Account XXXX  XXXX Account XXXX XXXX XXXX Account XXXX  XXXX  XXXX 15 US Code

1681a ( 2 ) ( B ) states that the term consumer report does not include any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 USC 1681 Section 602 A states i have the right to privacy.

15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies. It is the duty of the furnishers of information to provide accurate information.

1 ) PROHIBITION ( B ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency. If- 15 US Code 1666b states a creditor can not treat a payment on a credit card account, under an open-end consumer credit plan as late for any reason. 2021 IRS publication 4681 states '' Charge Offs '' when placed on a consumer report is defined as a gross or ordinary income. Income does not get reported on the consumer report which is in fact is what you are reporting as inaccurate information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer Report.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo never paid me for the settlement. I had an account under XXXX XXXX buy my name is now 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 2023-01-21
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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:
Santander USA, I have sent in several different complaints about the same thing with theses people, Im am asking that this matter be investigated and resolved immediately and remove from my credit report, they are still reporting that I owe money to them for a account that I won a lawsuit against that they paid me and a judgment against them to remove it from our credit report! Can someone please help me resolve this matter for once and for all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: FinCo Services Inc DBA Current
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Current the banking app randomly said my account was under review for fraudulent activity although nothing was fraudulent, they asked me to confirm mg identity and I did and they just closed my account down without telling me why after I asked repeatedly. They also said they arent reimbursing me for the {$350.00} that was in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Bull City Financial Solutions, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. My name is XXXX XXXX XXXX XXXX XXXX last four of social XXXX  I have found accounts/collections on my credit reports that are a result of the identity theft. I have filed a FTC identity theft report on XX/XX/XXXX and have provided it, the report number is XXXX. Per FCRA I want the following accounts/collections removed from all credit files by the debt collector XXXX XXXX XXXX XXXX 

{$600.00} on XX/XX/XXXX XXXX XXXX {$460.00} on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my husband deposited {$140.00} dollars in cash at a US bank formerly XXXX XXXX atm and the atm timed out. It did not give us our money bank nor did it credit us our money. We immediately called the bank to tell them what happened and were told it will take two days to fix. After two days there was still no money so we called again and were told 7 business days. That came and went and still no money. We called again and are now being told 10 business days. All their lines are recorded so youll be able to get proof of this. It feel like they are purposely pushing back the days and giving no explanation as to why our money is not being given to us. We have tried calling the dispute line they have and no one answers the phone your just on hold forever. We want our money back.

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 2023-03-04
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I called my bank and asked them to do a balance transfer on my Apple credit card in the amount if {$2600.00} on XXXX. The transaction was processed on XXXX yet the transfer did not reflect on my Apple credit card. I called on XXXX to find out why. The representative told me to wait a few more days for it to post. I called again on XXXX since the credit still has not posted. The representative told me Apple does not support balance transfers. She filed an internal complaint on my behalf and told me it could take anywhere from 10 to 30 days before anything happened. It has already taken nearly a month and Apple has still not applied the credit to my account. Because of that I am still accruing finance charges and having to make monthly payments on a balance for which funds were received. Yet in order for the transaction to have posted to my lower rate credit card with my bank, Apple had to have received the funds. How can my bank send them payment for the debt and Apple accept the monies and still collect finance charges and payments for it???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under XXXX, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Professional Debt Mediation, 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: Information belongs to someone else

Complaint:
I have a debt collection on my report from PROFESSIONAL DEBT MEDIAT. 
I have no knowledge of this debt collector. I have tried to report it to XXXX but nothing worked. I have never had any kind of contract or binding agreement with this company. I have no clue why they are saying I owe them any kind of money. This debt collector keeps reporting to my credit report and it is hurting my credit. I don't know if they have this in error but I have no knowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: FinCo Services Inc DBA Current
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 the Merchant XXXX XXXX charged my debit card twice for {$18.00} & {$21.00}. This transaction is fraudulent and I have filed a police report. I disputed it and current said I lost my claim. If current does not fix this issue I will filing a lawsuit in small claims court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5800.00} ; 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

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 2022-12-17
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent letter dated XX/XX/22 to MediCredit to discontinue collection efforts as this debt is not mine. I have not received any communication other than an invoice for the amount on {$1900.00} on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I obtained my credit report, on XX/XX/2022 I and asked the credit bureaus to check and make sure everything was accurate according to 15 USC 1681i I waited 30 days and received nothing for response from the consumer reporting agencies, Which is a violation, XXXX, XXXX, Equifax. 
They did not remove anything. 
Also XXXX keeps modifying my dispute date which is a violation of my rights as well. 
This is negatively impacting to pursue buying a safe home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Westlake Services, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2023 I spoke to someone at westlake financial regarding a payment arrangement for my car note in the amount of XXXX  the representative at the time assured me that my request was approved and I would not be charged any additional fees. On XX/XX/XXXX and the XXXX I received calls from this number ( XXXX ) XXXX - XXXX stating my account was past due and asking when I was making a payment I was never given this number as a contact reference from the dealership I brought the car from or the finance company. I called Westlake financial at XXXX XXXX  on XX/XX/XXXX and spoke to XXXX XXXX about my car note and I stated to her that I already spoken to a representative and made an arrangement to pay on a certain date she assured and stated to me on a recorded line that it was noted in my account that a payment would be made XX/XX/XXXX of XXXX also XXXX XXXX stated that effective immediately tomorrow I would not be receiving anymore calls from the ( XXXX ) XXXX - XXXX number anymore when I made her aware that I wasnt given this number by anyone at westlake or the car dealership she didnt confirm that was one of westlake financial numbers but instead she just got silent and said umhmm yea and proceeded to state that she would have to speak to a supervisor to get my request approved. After already speaking to a supervisor and representative 10 days before my request was already approved and granted but what XXXX XXXX mentioned to me was surprising she said I would have to secure that payment arrangement with a credit card or checking account the representative I spoke to on XX/XX/XXXX never stated anything about having to secure the payment he said I can just call their ( XXXX ) XXXX - XXXX number back and make a payment with a credit or debit card for the XXXX amount. Also the representative before XXXX XXXX stated that a {$5.00} dollar charge would be added on when making the payment over the phone with a credit or debit card and when I mentioned that to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge come from. I am starting to think Westlake financial is a scam company because its always something new every time I speak to a representative at this company.

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 2023-01-14
Company: U.S. BANCORP
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
PAYMENTS SINCE XX/XX/2023 ARE NOT BEING APPLIED CORRECTLY.

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 2023-03-09
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to dispute the mishandling of my escrow account. I recently received a statement indicating that my escrow account has a negative balance due to a shortage in the account. However, upon reviewing the statement and my payment history, I believe there has been a mistake. I have been diligently making my monthly mortgage payments on time and in full, and I am confident that my payments have been applied correctly. Furthermore, I have not made any changes to my insurance or property tax payments that would warrant such a shortage. I am concerned that this mistake has been made on your end, and I am requesting a thorough investigation into the matter. I request that you provide me with a detailed explanation of how this mistake occurred and what actions you are taking to rectify the situation. Additionally, I ask that you provide me with a corrected statement that accurately reflects my escrow account balance and a plan for replenishing the funds that were wrongly removed from my account. Furthermore all this discrepancies started on XX/XX/2022 after I received a refund check from XXXX XXXX XXXX XXXX for the amount of XXXX $ receipt # XXXX XXXX $ were pay to XXXX XXXX XXXX XXXX on XX/XX/2022 and the remaining balance of XXXX $ was left on the check, I spoke to customer service representatives from Caliber Home loans and Corelogic regarding this refund i received and what to do with that money I spoke to agents in XXXX and XXXX to confirm what to do next and they all assure me that nothing need it to be done and I could do with that money as I please, this was deceiving and incorrect information I send 2 letters requesting the transcripts of the calls and they gave me the run around and provide me Inaccurate information saying the transcripts were proprietary information and I need it a subpoena, I am a first time home buyer who come from a non-property-owning family or culture this escrow increased have put a big stress on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments

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