BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX, and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: AR Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was Covered under State Welfare/Medicaid ( XXXX during a Period of Homelessness. 

( XXXX ) XXXX Florida The credit bureaus have filed disputes, I have contacted the business over the last couple years several times a year to get this resolved with both the hospital and the debt collector. They originally admitted that they had double and triple charged me and this was to be resolved back in XXXX for XXXX. The debt collector said I need to contact the hospital and the hospital said not to worry about it but it still on my credit reports multiple times. All XXXX credit bureaus are working on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want to file a complaint of mortgage fraud. I recently learned that XXXX XXXX applied for a mortgage in 2017 and put we were married and put me as his dependent. I would like to state that he is not married and I am not his dependent. Mr XXXX received the mortgage in XXXX, 2017, from USAA Federal Savings Bank c/o XXXX XXXX XXXX  XXXX. The address is XXXX XXXX XXXX   XXXX Ny XXXX. My name is XXXX XXXX, phone number XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I initiated a dispute with Equifax. I filed a complaint with CFPB regarding Equifax not following policies and they refused to respond with the following statement : Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. However, I am not using a credit repair company. I have been dealing with Equifax for years alone. Previously XXXX account for XXXX XXXX was deleted from my credit file last month and then re added. There are XXXX listings on my credit report for XXXX XXXX. Neither of them should be there. Equifax sent me a letter stating their process which clearly has not been followed and I know the process. The XXXX listings are still on my credit report and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bankruptcy in 2010 and did not reaffirm. Selective Portfolio Servicing refuses to report my monthly payment to the credit agencies. Obvious that my credit score suffers, as I have never been late or missed a payment in eight-years of owing the property. Is there any mechanism to force reporting?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THIS IS A NEW DISPUTE EXPERIAN!!! I have attempted XXXX times prior to this dispute with CFPB and have called into customer service with CFPB about this dispute. Experian continues to close the case upon receiving this dispute. AGAIN, this is a " NEW DISPUTE ''. My car was totaled in XX/XX/2020 and XXXX has been PAID IN FULL for the vehicle. XXXX has reported the car 30 days late last week and they have received a LUMP SUM check for the car. EXPERIAN continues to say, I have disputed 30 day late notices in the last 90 days BUT THIS IS NOT THE CASE. MY ISSUE IS THAT THE CAR has been paid and as of the XXXX of XXXX Experian is showing a 30 day late payment WHICH IS ERRENEOUS. I CAN NOT DISPUTE ONLINE with EXPERIAN and THEY CONTINUE TO CLOSE THIS DISPUTE OUT EACH TIME I CONTACT CFPB with is illegal because they are stating they have resolved my DISPUTE AND IN FACT THEY HAVE NOT .... BECAUSE THIS DISPUTE JUST ARISED ON THE XXXX of THIS MONTH. I WANT EXPERIAN HELD ACCOUNTABLE FOR PROVIDING FALSE INFORMATION TO CFPB and TO ME Stating the issue is resolved and they KNOWINGLY AND WILLINGLY ARE PROVIDING FALSE INFORMATION which is a VIOLATION OF FDCPA RULES for consumer protection.

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 2020-09-02
Company: Experian Information Solutions Inc.
State: GA
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:
Experian and XXXX  are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: FIRST HORIZON BANK
State: LA
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 was hired by a company to online I work for them for about 2 weeks. During that time I was sent 3 mobile deposits to my account {$950.00}, {$1000.00}, and {$1000.00}. I have messages from the person I thought was my boss " XXXX XXXX ''. The first two checks came from XXXX Bank, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The last check came from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX claimed they were affiliates of our company. He told me that I needed to send out payment and gift cards to cover computer programs, desk, chair, printer etc ... I did what he said because it wasn't my money. I only sent the money out because the money cleared in my account. I found it strange that these out of state checks cleared my account after only 2 days ( I wasn't protected by my bank at all!!! ) These checks came back fraudulent after 1 week. Now the bank wants me to pay it back to them when they are the reason I am in this mess. I have since spoken to other banks that will not just put money in my account without making absolutely sure that it is not fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started talking to this lady who said she was a Service Member in the XXXX and she got me thinking that she could make some money with my account, and I transferred her {$3400.00} dollars and then I gave her access cause she said she was going to deposit some money but the check that she deposit were wrong or something but she basically stole my money and I called the bank to cancel the transactions but they didnt help at all

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 2017-06-01
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for assistance through Keep your home California  X/XX/2017   . I was approved for the program and was advised that all of the required documents have been received. Keep your home California has confirmed that they have submitted the assistance packet to my lend er BSI Financial Services. I  have called BSI on many occasions to confirm the status on my application, and they have been unable to confirm receipt of the application or any other information as to time-frame or status. I request that BSI provide me status of the KYHC application and resolve this issue promptly. KYHC ID #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: MN
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:
Equifax Im sorry yet another violation under the FCRA on XXXX XXXX bank! Account number XXXX and I asked you to remove this account from my credit file in its entirety immediately after you read this and view the factual evidence that has been provided to you On XX/XX/XXXX I initiated a formal complaint/dispute with the FDIC on credit reporting against XXXX XXXX bank regarding in accurate credit reporting XXXX XXXX advise myself in the FDIC that credit reporting May varies from different credit reporting agencies such as Equifax XXXX and XXXX XXXX that statement kind of bothered me a little bit because if you have one Account all the information should be exactly the same across all three of the reporting agencies! And they did say they are reporting accurate information and certified it and for me to reach out to Equifax and thats what Im doing for immediate deletion of this account XXXX XXXX XXXX stated that the account was open on XX/XX/XXXX but your report and all other reports are showing XX/XX/XXXX this information is incorrect! 

XXXX XXXX XXXX report that the account charged off on XX/XX/XXXX the account charged off in which they are reporting to you as paid as agreed for the month of XXXX XX/XX/XXXX which also a violation under the FCRA because XX/XX/XXXX is showing 120 days late on your credit report and payments started up again in XX/XX/XXXX how is that possible?? ( remove for FCRA violation ) Also Under FCRA 623 A 3 req notice is missing!

This is false credit reporting mission stated that the information THEY BELIEVE IS REPORTING ACCURATELY we cant have we believe it Hass to be 100 % accurate and verifiable. This is unreal someone credit report looks like this and they taking about they believe! Remove this immediately EQuifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
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 am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.

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 2023-01-23
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have the account number for the last two accounts, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the 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 relative 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not have the account number for the last two accounts, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the 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 relative 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 non-monetary relief
Consumer complaint received 2017-03-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
Moneygram is applying arbitrary rules to block legitimate transactions, collecting unnecessary personal data, and upon receipt of this information from me they are choosing not to offer the service they falsely advertised, under false pretense, with no recourse whatsoever to the consumer whose very personal information they now possess. I verified this by attempting to send a {$15000.00} XXXX dollar transaction to my friend in XXXX, which is around {$120.00} XXXX dollars. I was required to answer questions about the nature of our relationship, when I last saw her, where we met, how often I see her, and then was asked for the birthdates of several family members and a close friend and business associate. I provided this information truthfully, and patiently, during a XXXX minute call where all my information was given to an offshore call center agent. The end result was to be told that they would not send my transaction due to a decision by Moneygram Security, which is an algorithm, or amorphous intelligence appartus of a private or public-private nature, or some kind of unaccountable agency or group within the company, or perhaps merely a machine learning model. Bottom line, there was no rhyme or reason to the decision, and the company did not feel compelled to justify their actions in any manner. I recognize that most customers of these money transfer services are immigrants, and public policy currently opposes immigrants, but I am a native-born United States of America citizen who was trying to use this service to send slightly more than a XXXX dollars to a friend. If a money transfer business will not provide this service to Americans, it should not be allowed to do business in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a business account with Wells Fargo. I noticed a paypal debit to my account with the description " Business to Business ACH XXXX   Debit XXXX XXXX '' with the amount of XXXX against my account. That made me suspect because I do not have any XXXX associated with that bank account and did not authorize any charge. I did more research and found out there were repeating withdrawal by the same merchant weekly with the same amount back since XX/XX/2019 with total up to {$83000.00} I notified Wells Fargo but the bank said that their policy only give the client 24 hours to dispute the transaction and they can not reimburse the money. 

I notitied XXXX but they said they can not release any client information because of the confidental. 

I notified XXXX XXXX XXXX because the money has been depositing to one of their client account but they refuse to give out any information or offer any help. 

I just wanted to see where or who i can reach out to help to investigate and I can prosecute the theft but no one want to reach out to help.

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 2016-06-26
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any. Thank you with sincerest respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from XXXX XXXX, stating that a credit card from indigo-XXXX  was opened in my name and has a charge of XXXX I have never applied for a card with this company nor do I own one. 

Please send any correspondence about this complaint to my mailing address. my address is XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX Ohio XXXX

Company response to consumer: Closed with explanation