BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$7900.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Two  months ago I found out that there was a Wells Fargo credit card in my name with an approximately {$2000.00} balance. I contacted them. I was told a case would be put in place, no one ever responded. A month later I contacted them again. I was told that this was a card that was transferred to Wells Fargo from a company called XXXX XXXX XXXX. I explained that the balance on my XXXX XXXX XXXX  was approximately {$200.00}!!!! They told me I had no recourse. I complained. My case was transferred to the Executive Offices and given to a representative named XXXX XXXX at XXXX. I began to call XXXX XXXX every day for over 10 days, the last few days I called her a couple of times each day. She never called me. She sent me an email in a private message area of their bank and said that I did in fact owe this money along with all fees, interest and missed payments. If I HAD NO IDEA I had an account with this bank HOW CAN THEY CHARGE ME FEES @!!!! In that letter is sounds like she refuses to budge on her statements. At the same time, she did not address ANY of my issues at all and just said " this is your balance '' basically. Further, I have sent emails, contact us things and even chatted with people on XXXX XXXX. I have begged for a phone call back from someone. To date, no phone call from anyone. This is absolutely 100 % WRONG! And, not only did I beg her to help me by transferring this inaccurate balance into a GL account at the bank until they can figure it out. I also begged her to not charge me any more fees and that I am in the process of buying a house so negative anything on my credit report is a huge problem. She refused to address any of this! Just FYI, when I called the customer service folks, they confirmed for me that they have heard these horror stories from other XXXXXXXX XXXX customers. There was a lack of communication and many many problems. At this point in time, because of Wells complete and utter lack of concern for the customer, I will not be paying any of this card UNTIL they fix the balance back to what it was when it was at XXXX which was about {$200.00}. The card is in my married name, I was recently married. It is under the name XXXX XXXX. I have the correct address on this complaint now. For some reason, I created this user ID before I was married for some reason so it shows XXXX XXXX and would like this changed on your site, if possible. The card is in 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 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This transaction at XXXX  of {$2000.00} on XX/XX/XXXX was an unauthorized transaction I filed a dispute on XX/XX/XXXX, as soon as I was aware of the issue. I am demanding an immediate resolution with funds credited back to my account ending in XXXX. This is causing me long term damages I have communicated my issue and Bank of America willingly is aware of my unauthorized transaction and the fact that I am still waiting for immediate resolution. I will be waiting to hear from you soon.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 credit bureaus are reporting 2 collections on my credit report that is inaccurate. I have asked for proof of the collection being valid and for proof that notice was given to me. Neither has been provided.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NY
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX and XXXX ( Original Creditor : 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 an 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 explanation
Consumer complaint received 2016-01-11
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I reviewed my credit reports with XXXX, XXXX and XXXX and found out that Healthcare Collections LLC had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to Healthcare Collections LLC on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all three credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i am not liable for the debt owed of {$2500.00} to XXXX XXXX XXXXi did not sign a contract with 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 2023-02-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( 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 explanation
Consumer complaint received 2023-08-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Shellpoint received the loan on XXXX XXXX from XXXX XXXX. Prior to XXXX XXXX the loan was owned by XXXX XXXX XXXX. during this time I requested and excercised my rights for escrow removal. On XX/XX/XXXX, XXXX XXXX granted my request. There was a double pay of insurance and I made an agreement to repay the monies by paying an additional payments of XXXX per month including my monthly payments to XXXX XXXX XXXX. XX/XX/XXXX, XXXXI filed a complaint with Shellpoint escrow departmen about this matter. 
The complaint # XXXX was created for to address this matter. All documents were sent and Shellpoint is noncompliant. There is NO escrow and I have been paying my own property insurance and taxes. Shellpoint is attempting to use bullying tactics which they have a reputation on forcing escrow and violating a borrower 's rights to which the borrowers has enough equity in their homes with no PMI such as myself to raise their monthly payments. Shellpoint stated that a modification was done in XXXX that is the reason why there is an escrow. That is false information and that modification holds no merit because of 3 factors 1.The modifcation was created under loan # XXXX, 2. the loan was sold back to XXXX XXXX XXXX were I was granted removal of escrow., 3. the loan was sold back to XXXX which there was a new loan # XXXX which voided out any modification from previous loan # XXXX and payments remained {$710.00}. Furthermoe loan number XXXX modification does not state that it was mandatory to hold an escrow. XXXX XXXX did not tell the truth, I was granted from XXXX XXXX. for removal of escrow account. I will be receiving the XX/XX/XXXX letter, proving that XXXX XXXX granted my request for escrow removal. Also the XXXX XX/XX/XXXX letter can be found in the loan documents that Shellpoint has in their possession.This agreement was in place a year before Shellpoint received this loan. This loan does not need an escrow analysis due to there is no escrow account. a In closing attached to this complaint, is evidence showing XXXX XXXX 2 different loan numbers when the loan was held by them. I also filed a complaint with FTC about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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: Information belongs to someone else

Complaint:
I have problems with my credit since they put accounts there that belong to my father, they are not mine. I need them to verify both files and put what corresponds to 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX/ XXXX  credit card balance was incorrectly posted to my TransUnion credit report. It says the balance went from XXXX to {$270.00}. The statement is below you can CLEARLY SEE THE BALANCE IS XXXX. How are these errors occurring???

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 2023-10-02
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit 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 2023-02-02
Company: Shellpoint Partners, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a mortgage with shellpoint/new rez mortgage company. I have not missed any payments or was late on any payments until XX/XX/XXXX. In XX/XX/XXXX I had a significant reduction of income directly related to the pandemic. Under the Cares act I deferred my mortgage. For some time I had this reduction of income. I extended the deferral as long as I could. I started making a payment in XX/XX/XXXX as advised from the mortgage company. I had much phone communication to decide on how much and when to pay. I then started to make reduced payments as a trial when my deferral was finished I consistently made those payments starting in XX/XX/XXXX as agreed I made all payments every month consistently since that time. I was then asked if I would like to do a refinance of my mortgage to reduce payments. I agreed. Before finalizing the refinance. I realized the refinance had my mortgage change from a 20 year mortgage into a 40 year mortgage. I only had 12 more years before payoff. I decided not to do this. They gave me an option to defer I agreed with the deferral. I also made back payments to get my escrow up to date. I was told on phone communication when all of the deferral was finalized my credit would show no lateness. In XX/XX/XXXX after the deferral was complete, I asked my case worker if my credit would be corrected. She said " is there a problem with your credit? '' She also said that no reporting was done during the deferral process. I sent her a copy showing the reporting of late payments. She did not reply to me after that. This was in XXXX of XXXX that the deferral process started. After that time I called the phone rep told me I could not talk to anyone on phone about a credit problem and to use the website. I did file a email through their website I never heard anything back from them. Under the cares act this is illegal. Not only does it show that my account was late over 120 days it shows inaccurate payment dates. I would like this negative reporting to be removed and corrected as soon as possible it is causing my credit score to be low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation