BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i called Wells Fargo to report fraud on my credit card that while talking to them, {$5000.00} was transferred into my checking from my credit card. i spoke to wells fargo to cancel my credit card which was done but the {$5000.00} was not returned to the credit card company and i was told it couldn't be returned because the account had been closed. they should have returned the money to the credit prior to closing the account. instead they issued a 2nd credit card without me requesting this card. i stated that i didn't want another credit card and they still opened a 2nd card allowing a 2nd {$5000.00} to be drawn on this card that i never requested. additionally there were two {$250.00} fees charged by the bank for transactions i never made nor requested. 
additionally credit cards when issued are mailed within 7-14 days and no credit card was ever mailed or received by me. however when i went online a 2nd credit card was attached to my account.i called again to the credit card company and told them again this card was never requested. i was transferred back and forth to 6 different people over XXXX hours with no resolution. 
i believe this is an internal fraud scam within wells fargo and after 10 hours of phone calls with wells fargo nothing has been resolved. i only get written letters saying there was no evidence of fraud yet the {$5000.00} in my account and i will be charged interest and mental stress because of Wells Fargo 's inability to resolve this matter.

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 monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 to delete the following information in my file. The items that need to be deleted are listed in the report attached. 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 Commission 's Identity Theft Affidavit. Please delete these items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: FIRST HORIZON BANK
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
First Horizon has failed to respond to my prior three letters requesting that First Horizon immediately provide the following : Amortization of the loan as initially drafted and signed regarding loan modification on XX/XX/XXXX. 

*Note - First Horizon has misappropriated funds for 13 years and has not held themselves accountable.

Previously, I highlighted that First Horizon had violated the contract, as it did not apply any payments to the principal as illustrated in the below articles ( attached XXXX XXXX XXXX XXXX ) : 1. " Article 3 Borrower promises to make initial monthly payments of U.S. {$3100.00}, beginning on XX/XX/XXXX, until the first principal and interest payment due date XX/XX/XXXX, '' 2. " Article 4 The first principal and interest payments will be due on XX/XX/XXXX. '' Again, in summary, First Horizon directly applied all payments to interest in direct conflict with the contract dated XX/XX/XXXX. 
This complaint does not address prior violations, unmarketable title, pain, suffering, and the undue burden First Horizon has caused and continues to cause us as consumers. 

Also, this letter does address the signed affidavit First Horizon introduced in court in XX/XX/XXXX, indicating its accounting was accurate. As per my XX/XX/XXXX correspondence, this was a fixed loan. 

Also, please provide all correspondence First Horizon has provided to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 Convergent Accounts has violated my rights : 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  : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
Im submitting a complaint 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$82.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: VA
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/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 FTC.

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 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 Capital One Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an amount without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card as open - end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXXXXXX XXXX XXXX XXXX Account # XXXX and Account name : XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-12-08
Company: Harris & Harris, Ltd.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  Account HARRIS & HARRIS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is for better clarification and in addition to a complaint filed on XX/XX/XXXX # XXXX. I have been making double payments on my CMG financial mortgage ( loan # XXXX ) for the last year. Per CMG Financial 's policy any amount over the mortgage payment goes towards principle on the loan. This month ( XX/XX/2022 ) I paid a little over double my mortgage payment. The second payment I made for {$1300.00} this month ( which should have all gone towards principle ) was applied towards interest and only {$29.00} of that amount was applied towards principle. I have called them seven different times. Each time they informed me that it would be taken care of in 3 days. It has been approximately 3 weeks and I have spoke with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX and XXXX XX/XX/XXXX and most recently XXXX # XXXX on XX/XX/XXXX and several other CMG agents whose names I do not recall, and they still have not fixed the payment problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the 3 Credit Bureaus. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: DC
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:
Experian is reporting false information on my credit report and refused to investigated or delete derogatory errors on my credit report despite the fact that I've mailed them copies of all my documents. They still have XXXX different names in my account. I had sent them my Drivers license, My bill, copy of my social security number and so on, they are still reporting wrongly. The have people buying cars and houses in my name and they are reporting them on my credit report as delinquent. Lowering my credit scores. I don't have any problem with the other credit reporting agencies but Experian. I think that they're fraud and needs to be investigated. They always allow third party credit reporting agencies and allow anybody into my account which was the case with XXXX. They don't believe in doing accurate and detailed investigation.based on my experience over 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 2022-12-08
Company: CarMax, 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 have been a victim of identity theft and there is a fraudulent in that was opened in my name due to fraud. The credit bureaus are still reporting fraudulently information on my credit filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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 have been a victim of identity theft and there is a fraudulent in that was opened in my name due to fraud. The credit bureaus are still reporting fraudulently information on my credit filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE INFORMATION AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 611 ( 5 ) ( A ) OF THE FCRA-YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE, OR WHICH CAN NOT BE VERIFIED. IT IS ALSO MY UNDERSTANDING THAT UNDER FCRA 15 U.S.C 1681i ALL UNPROVEN, NON COMPLIANT, INCOMPLETE, UNTRUE, INCORRECT, AND/OR UNVERIFIED ASPECTS OF ALL ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETELY DELETED. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL EXPERIAN AND XXXX TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS. 
THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATIONS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT TO REGULAR FEDERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY, DO DO TODAY, EVEN RIGHT NOW! THE OBVIOUS INFRACTIONS ARE AS FOLLOWS : ALLEGING CREDITORS AND ACCOUNTS AS ARE REPORTED ON MY CREDIT REPORT : 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 XXXXNVALID ACCT BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE XXXX ENACTED XXXX METRO 2 COMPLIANCE REGULATIONS. I DEMAND THAT THESE ABOVE MENTIONED DEROGATORY ITEMS BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 

SINCERELY 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 2022-07-30
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received this letter in the mail today and it says that there is a {$4100.00} debt under my name through XXXX. This is not my debt. This debt is suspicious and Im going to file a complaint with the consumer Protection Bureau and Im also going to make an FTC report concerning this debt under my name. What do they sell at XXXX that cost {$4100.00}? Isnt XXXX a cellphone company. I do not use XXXX for my service. I use XXXX XXXX as my cellphone provider for the last 5 years. Im writing you guys back because the letter said Afni Inc is expecting a response from me by XXXX XXXX or they will assume that the debt is mine. I believe that I maybe a victim of identity theft possibly because I did not have XXXX and generate this debt for {$4100.00}. In order to dispute this debt and prove that it isnt mine, Im going to send a copy of a bill that I have from XXXX XXXX and an FTC report because I believe that Im a victim of identity theft. Im going to send in proof of my identity such as a copy of my passport and a copy of my social security card. I have also enclosed the FTC report and Consumer Protection Bureau report along with this letter also.

Company response to consumer: Closed with explanation