BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello- Equifax has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of e-OSCAR and the names and contact information be provided to me if Equifax chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Equifax in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX XXXX XXXX - XXXX 2. XXXX- XXXX, Paid directly to provider, proof of payment provided 3. Item listed as " NOT REPORTED-XXXX '', Not my account, unable to verify any creditor. 



We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Equifax. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I recently sold a product on-line ( I-Phone ) and the person who bought my product sent me a check for {$2000.00} to cover the amount plus sent the rest off to his family in Georgia as he was in the service. Nice person I am I agreed and deposited the check into my account on XXXX XXXX, {$400.00} was due to me right away and the {$1600.00} remaining the next day. I went ahead and got the {$400.00} and waited til next day to collect the {$1600.00}. The next day was a Saturday and I asked the teller if the check was ok, meaning was it a valid check/ any fraud? he said its ok you can take the money so I did and XXXX XXXX the cash to Georgia and thought I did a great thing considering my grandpa just passed days ago but I wanted to finish the agreement of the cash so i did.I should of went with my gut telling me these people were scamming me?! I had instructions after I got the money out as where to send the rest of the money ( yes I am that nice! ) I received a letter in the mail weeks later saying the bank took the {$2000.00} from my acct as they could not verify that check was valid.I called Customer service and they said I should have waited til a business day which was a Monday to make sure it was not fraud, Well the teller should of told me that before I took the CASH!!! now I am out my emergency savings!! I think the bank should give me some of my cash back and tell a customer these issues before taking that much cash out! I filed a report to the local Police as well and nothing so far.

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 2017-11-22
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in contact with the Department of Veteran Affairs and Caliber Home Loan,  and we were working on gathering and reviewing my documents for loss mitigation. During the process, my VA Loan Techician requested a postponement of the current sale date. Caliber did not deny the postponement, but they did continue to collect documentation for review. There were several technical delays with the email addresses and the contacts that they proviced. However, my VA tech was trying to assist by forwarding the information to Caliber as well. 



In the middle of collecting my documents, Caliber executed the Foreclosure sale without giving me a chance for review. I feel that they had no intent to review my package as they did not postpone as the VA requested for more time, and they executed the sale while I was under the impression that they were working with me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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. 


It has been over 4 days!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: ID Analytics, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I want XXXX XXXX, XXXX XXXX XXXX and Sage Stream to mail me a complete copy of my free annual credit/consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I want XXXX XXXX, Experian Clarity Services and XXXX XXXX to mail me a complete copy of my free annual credit/consumer 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 2015-05-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I believe I am a victim of predatory lending because of my race ( XXXX ) and my geographical location. I was given a high interest and excessive points when I was approved for my home loan. American Servicing Company is my service provider for wells fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 named XXXX XXXX  compan has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I had these inquiries posted to my credit report. I can provide emails, text messages and names and numbers for people who are told not to submit my credit to banks and went ahead and done it anyway. 


View Report From : Credit Report Provided by Advertiser Disclosure Items For Review Full Credit Report Past Due ( XXXX ) Sent for Collection ( XXXX ) Missed Payments in History ( XXXX ) Remarks on Accounts ( XXXX ) Multiple Recent Inquiries ( XXXX ) No Recent Activity ( XXXX ) Recent Address Change ( XXXX ) Employers Reported ( XXXX ) OverviewAccountsCredit InquiriesCollectionsPublic Records Back to Full Credit Report View Jump to Next Steps The details displayed here include the origins of each hard inquiry and our calculation of when they should be removed from your credit report. If you 're confused about any of the terms used on this page, read more about the specific data displayed here. 

Sort By : XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 EQUIFAX CONS AFFAI XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: PA
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 named XXXX XXXX compan has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 2022-08-29
Company: Experian Information Solutions 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:
I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account whhttps : //portal.consumerfinance.gov/consumer/s/login/ich was opened without my knowledge, consent or authority within 4 business days with ( 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00}

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 explanation
Consumer complaint received 2015-11-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My name is XXXX XXXX and I 'm contacting you for third time, this time with updated information. Wells Fargo/ Dillards card services responded to my complaint. The sent me out a letter which will be attached in this filing. I disagree with them not reopening my account for non-payment when the just got a check from the credit protection for XXXX. When initially before the account was closed they were challenging me saying that they did no offer credit protection on their cards but come to find out they did. The last physically payment I made from my personal funds on this account was in XXXX, because I was informed from the credit protection who Wells Fargo/Dillard 's told me did not exist but in fact it did and they sent the payment just two months after a long battle and dispute with them as well. My account would have been paid on time if Wells Fargo/ Dillard 's would have did there job from when I first brought this issue of who should have been paying the account. They did n't know that my credit card was protect and that negligence on them as a financial business. Also I informed them in late XXXX that there were fraudulent charges made on this account and that was the cause of the account being over the limit and again my complaints/ concerns went unattended and handle properly. I 'm now ready to pursue legal charges against them because this has affected my credit in a negative way. 

I honestly feel that because I had previous personal checking account that was closed by wells fargo that this is why they are refusing to reopen my account. They have a payment that brings the account to paid in full, and the over limit is because of fraudulent transaction that occurred on the account that I was n't able to dispute because of the status of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Accounts XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020

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 2022-05-24
Company: Experian Information Solutions Inc.
State: LA
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 am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$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 explanation
Consumer complaint received 2022-05-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone Fraudulently opened a bank acct using my info, then updated the system with new email info.. I Received emails from Wells Fargo on XX/XX/22 saying We received your application and it has been Approved, Also an email saying complete online banking enrollment I opened a case with my identity theft company and have put Alerts and Freezes are on all credit files. I don't have an account with Wells Fargo

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 2015-08-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX I never allowed them to run my credit report. I went in for service and never to buy a new car. They never asked me to run my credit report. please remove this inquire ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Fairway Independent Mortgage Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi I have tried for 3 months now to get a modification and I feel like they are giving me the run around and have no intention to actually help me or even look if I qualify. I have sent every paper they asked for, I have called numerous times and been told they have all they need and will contact me and then I look on their website and see they have me down for missing papework and not being approved. I would really like one person to contact instead of random customer service people who do n't know what they are doing, this is important to me it is my home for my family and I am out of work on workers comp. I just need help with what is past due and I can resume payments. I just fell behind because of the injury and loss of pay for a while then I got hit with having to may my own healthy coverage and the home has a pool and trees that I then had to have winterized to avoid any damage and with all those things and limited income way lower then my usual pay I just could not do both. I can resume payments now but I am behind and need to work that out first. I just want someone to work with me rather then write me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Block, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Cash app has made payments that I did not authorized yesterday they done it and I got that money back and now again today {$110.00} to some place called limitless group I've never even heard of them I didn't know the last one either I really want my money put back in my account {$110.00} is a lot of money to take for something you've never even heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PNC XXXX XXXX branch is billing me for a safe deposit box owned by my deceased mother. 
I am not the executor of the account and I was not one of the cosigners when she passed. 
They added my name to a document they sent to my local branch. Next to my name is the address of my brother, XXXX XXXX, who was the executor, POA, and cosigner for the XXXX. 
My signature is not anywhere on the documents they sent., nor is my address. 
They added my name to documents without my consent. 
XXXX XXXX is bank manager whom I consider negligent and did not perform due diligence with this account, Initially told me I needed to provide a death certificate, even though they had on their files that she was deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Lending Club Corp
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted lending club on multiple occasions to inform them of my hardship status. after 90 days of non payment, Lending club has forwarded the debt to 3rd party collection agency XXXX XXXX XXXX. I received written notice from XXXX XXXX XXXX dated XX/XX/XXXXrequesting a response to the collection debt. I contacted XXXX XXXX on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize XXXX XXXX XXXX nor anyone representing XXXX XXXX XXXX to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by XXXX XXXX XXXX in attempts to collect debt to be very unlawful. 
for the record this complaint is for XXXX XXXX XXXX ( rep XXXX AT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: PNC Bank N.A.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mother passed away in XXXX of 2014 with a mortgage with PNC Mortgage. We were unable to pay it as we were awaiting probate and access to her funds. The mortgage company would not talk to us because we were not authorized but they were notified of the situation. By the time we had access, the account was sent to foreclosure and we were forced to pay a large penalty to get the account back into good standing. We have since sold the house and paid off the mortgage but feel it should have never been transferred to foreclosure as we in good faith did all we could under the circumstances. We would like to recoup the money that we paid that was above and beyond the normal mortgage amount.

Company response to consumer: Closed with explanation