BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to XXXX, Equifax, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- : XXXX XXXX XXXX # XXXX, MI XXXX XXXX XXXX : XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: MD
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:
Equifax did not remove fraudulent accounts from my credit report. I have submitted identity theft report, along with required identification. I also can not access my credit report online. I am XXXX and sometimes can not make it to my mailbox so I prefer online reports which I am denied access to. 
I put in first dispute on XX/XX/2023. I submitted all required documents. I re sent dispute certified mail which was delivered XX/XX/2023. Someone viewed my documents that same day because they cleared my inquiries that I disputed in the letter but failed to remove other fraudulent accounts. Equifax HAVE INCORRECT BIRTHDAY LISTED FOR ME AFTER I CALLED MULTIPLE TIMES AND SUMBITTED IDENTIFICATION. THEY WILL NOT FIX INCORRECT INFORMATION. I could not open gas and electric services for more than 7+ weeks because no company can pull my report to verify my identity because Equifax has it locked even after I sent in identification multiple times.

Equifax violated FCRA 605B ( 15 U.S.C. 1681c-2 ) - ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
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:
YOUR COMPLAINT My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX  XXXX 5 years this has always been my residence. I have never had an account with XXXX XXXX BOOST {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was charged overdraft fees numerous times due to Wells Fargo processing small payments and making payments decline or charging fees for allowing. The froze my account because someone got into it and it affected everything. They wouldn't let me touch anything or do anything to my account and then blamed it on me. They would not help me and said I had fraudulent activity. It was not my activity but they froze my account. And closed it without notice.i have direct deposits and everything for my business and I was not able to get residual from my business for almost 3 months trying to get everything changed to a new bank. It has been XXXX and it's been months and I still can't get one of my residuals set up because of my flagged account that should have never been flagged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ALL and any of my Wells Fargo bank accounts between XXXX and XXXX are closed ETC. Deposit and funds are missing. I reach out to Wells Fargo to see what is going on. With my banks accounts that are closed. And the refuse too take accountability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account has been closed for over a year because I left them due to their lack of attention and willingness to help. I dont have any of my paperwork anymore nor will my local branch get it for me. There customer support was a lack of service!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid of my car and was not paid my GAP insurance back for 2 years later and do not know if it was correct.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.

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 2023-02-21
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX of 2022 Deposited check. large sum XXXX plus. 
Wells fargo held the deposit for 18 days because of overdraft fees that my account had received. I never gave permission to enter their fraudulent overdraft program in the first place. I was charged excessive overdraft fees that totalled thousands of dollars. And then they double punished me by holding my $ XXXX deposit for 18 days. Clearly incurring interest on my money at my expense. went into branch and was dismissed by the manager on more than one occasion. Received no help. Filed complaints.

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
The following account for XXXX XXXX  XXXX # XXXX is on my credit report and it is incorrectly reported. After 2 investigations with the credit bureau 's the accuracy hasnt been corrected. The following is incorrect on the reporting... 

1. ) It is rated every month as C/O. It should only have been marked C/O on the first month after the first 120 day late. 

2. ) The following dates are incorrect on several reports, the Date of Last Activity, the Date Reported, the Date Opened, Closed Date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: CCS Financial Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX an account was opened with XXXX XXXX using my identity ( personal information ) in XXXX, Illinois. I have never lived in XXXX nor have I purchased products or services from XXXX XXXX The account became delinquent and the {$1300.00} balance was sent to the first collection agency in XXXX of XXXX. In XXXX of XXXX, my wife and I were trying to get a loan to build our house and that is when I was first made aware of the debt as it negatively affected my credit report. I disputed the claim with XXXX XXXX, the collection agency, and the credit bureau. I was told by XXXX XXXX the account was being processed as identity theft/fraud and would be closed. The debt collection was removed from my credit report a month or two later. Fast forward to XX/XX/XXXX and I get a letter in the mail from a second collection agency stating I owe them {$1300.00} as a result of debt with XXXX XXXX. The amount of the debt is lower by roughly {$13.00} but the account number is the same from the first collection agency. I called the collection agency and explained the history of the situation. They advised me to call XXXX XXXX I proceeded to call XXXX XXXX where I was on the phone for over an hour and transferred at least 4 different time to another department. The final person I spoke to stated " the account was too old to view and I need to be transferred to debt collection. '' They transferred me back to the collection agency I had already spoken to. I was definitely frustrated and had been given the runaround by XXXX XXXX. I then called XXXX and formally disputed the debt collection. I was told that some companies, like XXXX XXXX, are able to sell the debt to another collection agency when the amount is changed and the company then offers no help to resolve the situation. This is a terrible practice and has wasted valuable time. XXXX XXXX, or any other company, shouldn't be allowed to resell debt especially when it wasn't mine to begin with. XXXX XXXX 's customer service, specifically the identity theft/fraud department XXXX were of no help and definitely aren't taking identity theft seriously!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On my XXXX account, I requested for the statement " disputed by customer " to be removed from all XXXX  credit bureaus but it's still on my credit files. This should be deleted immediately.

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 2023-04-25
Company: Block, Inc.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We set up a square account for our business about 3 weeks ago and provided all necessary information. We used this services for estimates and invoices. An invoice was paid by a customer and Square took 10 days to transfer the funds into our square account. Instead of transferring our balance into our linked checking account, they placed our account under review. After providing further information, they deactivated our account without explanation and are holding our funds for 90 days. I have tried contacting their support teams and have received zero help or answers. No one can tell me why we were under review, let alone why our funds are not being transferred and our account was deactivated. I have attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: TN
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:
On my Experian Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$490.00}, for close to 12 months now due to inaccuracies and incompleteness. First, despite three certified validation letters to XXXX  they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report is a mystery. Regarding this account on my Experian credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to XXXX regarding these inaccuracies and incompleteness but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent Experian credit report ( XX/XX/2023, Report # XXXX with exhibit XXXX {$490.00} ) for this account as evidence of these FDRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine twhen this account will fall off the report. The report is also missing the Accounts Charge Off Amount and Close Date, and the Payment History is also missing key portions of data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I filed a complaint previously ( # XXXX ) but Experian did not read the complaint you filed for me. Experian sent me a credit report but I WAS ASKING FOR THE DATE EXPERIAN REINSTATED MY CREDIT FREEZE. 
When I asked for the freeze to be lifted in XXXX, Experian sent me a confirmation number of # 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 2023-07-22
Company: EQUIFAX, INC.
State: MI
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:
ALREADY REMOVED THROUGH XXXX XX/XX/2022 XXXX Unauthorized hard inquiries from the following institutions : XX/XX/2022 XXXX XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/2022 XXXXXXXX XXXX XXXX  via XXXX XXXX XXXX Also fighting an ongoing identity theft case in California/Michigan for the past XXXX years XXXX This has been reported to the FTC, IRS, California XXXX, Michigan XXXX and am in process of pursuing action with the FBI as this is quite possibly a case of organized crime and identity theft. I will also be looking into the Equifax and XXXX XXXX breaches from the late twenty-teens and early twenty-twenties in order to figure out the source of the breach and pursue further legal/civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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 # XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year, I spent close to XXXX hours on the phone with various departments at XXXX. During the deferral period ( on XXXX separate home mortgages ), XXXX tried to force me into a rate modification and applying impounds on both loans. I declined to ever do impounds since my ex-wife pays her taxes/insurance and I pay her XXXX XXXX. During that year, XXXX opened escrow on both properties, derogatory hits to my XXXX credit bureaus, even though I have always been current and no late payments. With WFB ineptness, I had to figure out how to contact XXXX different departments and spend XXXX hours untangling their mess. The originally home rep pushed my XXXX loans into a rate mod program even after I denied, resisted, and flat out said no. I would not accept their terms. As a former banker of 20 years in my former career, this was the worst display of banking/financing that I had ever seen. XXXX opened up escrow XXXX separate times in both loans which was ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation