BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX Balance {$1000.00} XXXX  XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} XXXX XXXX  XXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} XXXX  XXXX  XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX  XXXX  ( Original creditor : XXXX XXXX  XXXX  XXXX XXXX  ) XXXX Balance {$79.00} XXXX  XXXX  XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1000.00} XXXX  XXXX  XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX  XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$1200.00}

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 2017-06-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint I am issuing related to my mortgage holder. As mentioned in my previous complaint, we entered into a Chapter XXXX Bankruptcy in an effort to keep our home and get back on track. Our Chapter XXXX was discharged this past XX/XX/XXXX. We maintained our commitment and paid our monthly mortgage consistently for 5 years as part of our agreement. In XX/XX/XXXX my husband reached out to Wells Fargo to discuss the potential of moving our monthly payment to the XX/XX/XXXX of the month as he is XXXX XXXX and receives his XXXX check the 3rd week of every month. He called, went to a local branch with all telling him that they could n't speak with him but would document. Since that time, we again, consistently made our payment on or about the third week of every month. <P/>Today we are trying to refinance our home in an effort to decrease the interest rate. In that process, we have consistently received reports that Wells is reporting us as late payment with a total of XXXX in late fees. <P/>XX/XX/XXXX, when inquiring for a reconciliation of our payment history, I was directed to submit in writing a request for a complete reconciliation of the payment history and inquiries related to our loan. I received official notice that it would take approximately 10 days. I received a letter from Wells that the date for the review completion needed to be extended to XX/XX/XXXX. Only after I submitted an official complaint through the CFPB did I receive a call advising me they received my complaint, however, the account audit / reconciliation was still not complete. On XX/XX/XXXX, the Wells representative that was handling the complaint, notified me that she still did n't have resolution. On Friday XX/XX/XXXX, I contacted this same Wells representative. She advised that she still did n't have however, I offered her a resolution. I asked if Wells could move our payment to the XXXX of the month and reflect that my previous payment history could reflect consistent on time payment for the last year. She did advise that she would research that. <P/>Today I was alerted that our refinancing attempt was declined due to Wells reporting late payments for the last year. I was also informed that our ability to refinance with any financial institution ( including Wells ) would be impossible until this was resolved. I find this unacceptable and complete unfair practice. Remember I was in a 5-year plan for the Chapter XXXX. NOT once did Wells reach out to rectify or alert us that we would suffer this devastating diagnosis. Also, I might add, the Chapter XXXX was discharged OFFICIALLY in XX/XX/XXXX on the record. <P/>I would strongly urge anyone entertaining doing business with Wells Fargo mortgage, NOT.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX was the company that did the credit inquiry. The credit inquiry was based on receiving a vehicle I wanted to do a build for. It was contingent on doing business with the car dealership on providing a build to the manufacturer. I was advised it may take a while to receive but they could deliver. However I found out the following day they couldnt deliver and didnt have allocations to order the vehicle. That wasnt what was discussed, and the credit check was solely for the purchase of ordering the truck. If they couldnt order it and didnt have the criteria to, then my credit being checked was invalid. I do understand that the salesperson may not have known they didnt have the allocations, however that was the only reason my credit was ran. So if the vehicle cant be ordered or delivered I want the inquiry removed off my credit report as it was no purpose to check or run it without the dealership being able to deliver a vehicle I requested. In all fairness they agreed to give me a letter to provide Transunion to ok the removal of the inquiry. Then a head manager decided that he didnt want to allow the other manager or supervisor to do it. Now I have a inquiry on my report for no reason and points from my credit report reduced. Its been almost a month and I still have no confirmation that the truck build was able to be requested.

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 2022-03-14
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: Account information incorrect

Complaint:
XXXX XXXX XXXX mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background. 

On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives. 

Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call. 

In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed. 

As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to XXXX XXXX XXXX requesting resolution and have never received a reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The following status is Incorrect and unverifiable XXXX XXXX Account Number : XXXX Delete this account. 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 9. The account status is unverified and incomplete Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : NAME : 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am submitting this complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates 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 2022-09-09
Company: EQUIFAX, INC.
State: WI
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The following status is Incorrect and unverifiable XXXX XXXX Account Number : XXXX Delete this account. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Delete this account. 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 9. The account status is unverified and incomplete Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: WI
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:
There is a fraudulent inquiry on my credit report. I want it investigated and removed.

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 2017-06-10
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was placed on my credit out of nowhere one day. I submitted a complaint about it being connected with identity theft, they told me it would not be acknowledged until I sent the proper paperwork. I sent them a copy of the old police report request as well as a new request which shows the apartment this electric account is connected to resulted from identity theft. They still have not removed this account even after receipt of necessary paperwork from the detective that worked my case. By law if identity theft is involved and recorded they have to remove it after receipt of proper paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report XXXX  balance ; and b ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}

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 2017-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I applied to several XXXX postings at XXXX and one of them was from XXXX XXXX XXXX. The first email I received was XXXX XXXX 2017 from an email XXXX saying that it was tough to decide on the select group chosen for an interview because they received so many good resumes and that I was one of those selected for an interview. <P/>I was asked to add XXXX XXXX ( XXXX ) on the XXXX XXXX platform to undergo the interview process. According to them, she was an HR recruiter for XXXX. This XXXX person gave me all the duties and responsibilities of the position and asked me if I could handle the job duties if I were being trained towards it, I responded by saying yes, then she proceeded with interview questions. Once we finished, she said to check back by XXXX the following day via the XXXX XXXX platform for the decision. The next day they said I was chosen. <P/>I received another email from XXXX congratulating me for becoming part of their company and they attached an offer letter. <P/>Then they emailed me a check {$3000.00}. on XX/XX/2017 with instructions on how to deposit it via mobile through my bank Bank of America, and that I was expected to cash {$2800.00} of it and deposit to a XXXX XXXX account the following day to a person named XXXX XXXX XXXX who is the vendor in charge of sending me the training materials for pre-training. I believed it and so I did, I also thought that since Bank of America made the funds available the next day, then it was a legitimate check. On XX/XX/2017 they emailed me another check for {$4000.00}. and from there I had withdraw and deposit {$3900.00}. for more materials. <P/>OnXX/XX/XXXX. I went to what I thought was my first day of my internship at XXXX and the security guard could not find my name in their system. I was told that I was actually scammed and that they were very sorry this happened to me, and that someone also got scammed that same morning. <P/>I went straight to the police station and made a police report, I also contacted Bank of America but they are not cooperating with me regarding my situation. Instead they withdrew my checking and savings accounts to pay themselves back from the fraudulent checks. Now I have negative status on my account of - {$6200.00}. Additionally, Bank of America flagged my account to be closed XX/XX/XXXX which is not the standard time to close an 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 monetary relief
Consumer complaint received 2017-06-19
Company: EQUIFAX, 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 have many unauthorized inquiries on my equitably credit report which I submitted a dispute. Equifax did not investigate they only notified me about a week later that these items where authorize in which they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX continues to report inaccurate data onto my credit report with Equifax and XXXX. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to Equifax and XXXX and Equifax and XXXX continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX XXXX and Equifax both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX.

Company response to consumer: Closed with explanation