BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Bureau have been asked repeatedly to validate debt due to inaccuracies in reporting. No action has been taken to validate the debt. Reporting does not meet FCRA requirements and is limiting my ability to build credit appropriately.

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 2023-07-14
Company: EQUIFAX, INC.
State: OH
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:
My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. I disputed my balance with XXXX and no changes were made. 

My XXXX XXXX credit card has been paid to {$0.00} since XX/XX/2023. My credit report does not reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NC
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:
I have been affected by the XXXX XXXX data breach. I have had some identity theft with accounts since XXXX. Then the identity theft expanded dramatically during the pandemic to include apartments and evictions. It has many accounts and collection accounts. the accounts and then the collection accounts for the same debt are both listed on all 3 credit reports. I have a police report documenting this and an FTC report. I have submitted dispute after dispute but in XXXX hrs the credit reporting agencies come back with creditor states account is valid. The creditors do not provide any evidence of this and it is unlikely anyone even reached out as some of the resolutions to the dispute happen in less than an hour. 
I have attempted to enroll in the credit restoration services that I supposedly could get but those are expired and the code to enroll was actually only good for 2 months and I have now called the enrollment number 3 times and they just transfer me to a number that is no longer in service. The ID restoration service is completely fake. The phone number you are ultimately sent to is no longer in service. 
All 3 bureaus are refusing to actually investigate and remove items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 never applied for a XXXX XXXX XXXX credit card and never gave nobody premission to do so. I would like this removed from my transunion credit report. 



This credit card show be removed and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: MI
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:
DELETE XXXX  XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted company and told Ive never resided at address that bill was sent too being that this is a medical bill and they shouldnt have my information, bill collectors was very rude hanging up in my face, I called XXXX and had the address removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately. 

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!! 

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/1993 Please remove any other dates or years you have listed. 

My employers name is as follows : XXXXXXXX XXXX XXXXXXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XX/XX/1993 After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I will send this message to Wells Fargo Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Dear sir, I would like you to investigate my business card ending in XXXX because of the several issues by illegal usage of my credit cards offered by XXXX XXXX and some problems with XXXX XXXX XXXX XXXX XXXX to make sure future safe usage of my credit cards. One of the concerns, which I have checked my account in your company website was that I have received the notification that my business card was meant to be closed in 15 days last month. Therefore, I have strong feeling to be checked for safety. Unfortunately, I discarded this letter from your company. 

Sincerely,

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 2023-11-07
Company: EQUIFAX, INC.
State: MO
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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts made by your organization to immediately remove charge-off account from my credit report. I believe there has been a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. 

As a responsible consumer, I have been diligently addressing and resolving my financial obligations. In this regard, I have been closely monitoring my credit report to ensure accuracy and fair representation of my credit history. However, over the past few months, I have noticed several erroneous attempts by your organization to remove charge-off accounts from my credit report without my consent. 

I would like to emphasize that the charge-off account in question are accurate representations of past financial issues. While I understand the importance of credit repair and the need to rectify any inaccuracies on my credit report, these charge-off account is legitimate and should not be removed without proper evaluation. 

I kindly request the following actions to be taken : Cease all further attempts to remove the charge-off account from my credit report until this matter is resolved. 

Provide a detailed explanation of the reasons for these multiple removal attempts and any documentation supporting your claims. 

Review and assess the legitimacy of the charge-off account in question, ensuring that they are accurate and in compliance with all applicable laws and regulations. 

Immediately rectify any inaccuracies or errors related to my credit report. 

Provide written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting, and I am committed to maintaining a fair and honest credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. I am asking for your immediate assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 have tried to retrieve score from XXXX and 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 2023-10-31
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have federal student loans and the servicer is Mohela. On XX/XX/2023, I spoke to a customer service representative on the phone and they put in an application for the SAVE plan. On my application, I indicated I would be filing taxes as married filing separately. I was told my monthly payment would be $ XXXX once processed/approved. After a few weeks, the application was processed/approved, but for $ XXXX. When I called to ask what happened, the Mohela representative told me that everything on my application was correct, but that Mohela had processed it incorrectly- on their end, they processed it as married filing jointly, and that due to this, it considered my spouses income, which caused the payment to jump to $ XXXX. They confirmed that it was Mohela who made the error, and that $ XXXX should have been the correct payment. The representative submitted the application to be re-processed on XX/XX/2023 with a note on it about the error that was made on their end. However, my next payment is due XX/XX/2023. I check daily, but there have still not been any updates on the re-processing. I got a letter on my Mohela account on XX/XX/2023, stating that there was a processing delay and it could take up to 90 days. I feel that I should not have to pay this much, when the outrageous payment amount is incorrect and it is due to an error on their end! But it is going so slow, and I am worried it will not be processed and corrected by the time the payment is due. 
Unfortunately, since both my initial SAVE plan application and the second application for re-processing were submitted by Mohela customer service representatives, I dont even have access to a PDF copy of the submitted application. The only thing that shows on my Mohela account for documents received is the document title IDR, processing, submitted XX/XX/2023, and IDR, approved, submitted XX/XX/2023. The applications arent available to be downloaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: FISERV INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I sent telechek a letter on XX/XX/2023, a hard copy of check. It is now XXXX XXXX, XXXX and no response from telecheck. 
Thanks 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 2023-10-31
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a request to be put on a payment plan approximately once a month beginning in XXXX. As each month passed, I had not heard any confirmation that I would be put on my selected repayment plan, so I applied again. Finally in XXXX I scheduled a call - wait time of 2+ hours - to request over the phone that I be placed on my indicated repayment plan after having applied 4 other times. The representative did not understand why my requests had not been processed, but promised I would now be put on the plan I selected. Fast forward to XXXX, and I am still not on my preferred repayment plan. Additionally, I was notified that my loans were placed in administrative forbearance, and that interest would continue to accrue, and that the auto debit discount of .25 % from the interest rate of each loan would be revoked. There was no explanation of why my loans were placed in forbearance. I have applied for the repayment plan again but am skeptical anyone at MOHELA actually cares about my needs. It seems they are happy to take my money and provide no assistance or service in return, and in fact take additional action to squeeze more money out of me wherever possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: MoneyLion Inc.
State: CA
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:
IN XX/XX/2021, I WAS A VICTIM OF IDENTITY THEFT. I NEVER TOOK OUT A LOAN FROM THIS COMPANY " MONEYLION ''. THIS ACCOUNT DOES NOT BELONG TO ME. NOW I SEE IT ON MY CREDIT REPORT THE SCAMMERS/HACKERS TOOK OUT A LOAN OF {$890.00} I CHANGED MY BANK ACCOUNT. DELETED MY EMAIL. I ALREADY MADE A CLAIM TO ALL 3 CREDIT BUREAUS AND CONTINUED THE " FREEZE '' MY IDENTITY WAS STOLEN- PLEASE HELP IN CLEARING THIS FROM MY CREDIT REPORT. THIS ACCOUNT DOES NOT BELONG TO ME...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am writing to report a severe case of identity theft that occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, someone used my name, email, and social security number to open a Private Client Checking account with Chase Bank. 

Chase Bank assured me on XX/XX/2023, that they closed the fraudulent account, and I froze my credit with XXXX and XXXX for protection. 

However, on XX/XX/2023, I received an email notification from the supposedly closed account ending on XXXX, indicating a new statement was available. This suggests the account remains open, revealing a security lapse on Chase Bank 's part. 

I urgently request the Consumer Financial Protection Bureau 's investigation to help with this situation and prevent further harm to my financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX XXXX XXXXXXXX XXXX reported late payments on my consumer reports in XX/XX/XXXX ; XXXX, XXXX, XXXX, and XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I never gave XXXX XXXX XXXXXXXX XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX - On XX/XX/XXXX, I requested XXXX ( XXXX ) money orders to be charged to my Wells Fargo checking account ending in XXXX money order # account # XXXX # XXXX {$150.00} & Money # XXXX XXXX # XXXX was for {$420.00} both drawn on the above- mentioned account. In reviewing my account, I do not see either of these transactions ( both on the same day ) listed on my account for XXXX, or any other date in XXXX. I see NO transaction!! Which is very strange as I did see that entry made when I checked on XXXX balance at the end of the month. Now there is only one other transaction of a money order attributed to my checking account that was charged. 
I would like a full explanation as to WHY this account is not showing my purchase of XXXX money via my checking 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 2023-11-28
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to express my disappointment with the inaccurate credit reporting done by Sessoms and Rogers PA. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Sessoms and Rogers PA, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Sessoms and Rogers PA has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Sessoms and Rogers PA immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Sessoms and Rogers PA does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.

Company response to consumer: Closed with explanation