BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: IL
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:
I recently checked my credit report and noticed a fraudulent account opened with XXXX that was removed from my XXXX  Report on XX/XX/2021. According to FCRA my consumer rights has been violated. Since the deletion, XXXX  and Equifax has double reported and allowed this fraudulent account to re-appear on my credit report after being removed. I am demanding immediate deletion of this fraudulent XXXX Account as soon as possible. This fraudulent account is effecting my credit integrity and must be removed. FTC report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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 XXXX XXXX # XXXX account number XXXX XXXX # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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 2016-12-16
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus is the service of loan in my fathers name who is deceased. 
They are attempting to foreclose on the property. 
I am offering to bring the loan current and continue to make payments however they will not provide the payoff figures to me. 
I have supplied both the Death Certificate and POA of my mother, the surviving spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My complaint is focused on Wells Fargo Wealth Management-Trust Department. 
My mother has a trust setup by her Mother in the 1920 's. 
My mother is now XXXX and is not focused on financial issues at this point in her life. She only expects an adequate income to make ends meat from an instrument set up to supplement her income for her later years. 
Wells Fargo has been the corporate trustee on this account for decades. About 15 years ago my brother and I were not happy that there was no account servicing of her trust. No one ever called to ask how she was doing or go over her situation. Her portfolio was in growth stocks and she needed income. We scheduled a meeting to discuss our issues. Representing her in this meeting my brother and I asked pointed questions.Why has there been XXXX communication? Why these growth investments for an elderly lady? Why so little income? Why so many investment managers? 
After silence the management team promised to adjust her portfolio and follow-up. The result of this conversation was a slight increase in dividend income. 
Fast forward 15 years and my mother now has no significant other with the means to financially support her. In the meantime, cost of shelter and goods keep on rising. And during this time status quo on the communication. The Bank never communicated with her, only statements. 
Recently we have resumed discussions again and Wells is very reticent to spend time on this. We are being shuffled through numerous wealth managers. And explanations of the new investment direction we asked for are grinding along at glacial pace and are not clearly explained. 
Her account is not large. But, it is an account in their bank. Are n't we who they should work to make happy? We are not XXXX, does that make us irrelevant since we do not help there balance sheet to the same tune? 
In this day and age you here all the marketing talk about personal service from numerous corporations. Well, Wells Fargo has not cultivated this client relationship with acceptable personal service. 
An XXXX Year old woman living by herself, has a fund set up by her mother in the 20 's and a small Social Security income. This income should allow her to live while not having to worry about eating. 

Please keep up your investigations on Wells Fargo and other greedy corporate entities and do not allow business practices that turns it 's back on the average clientele. 
I would not recommend Wells, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Alliant Capital Management LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX ACM Group FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is ACM Group ; we were hired by someone who is collecting a debt for XXXX. ( I googled ACM Group and found on page XXXX the FTC data ). ACM said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with XXXX, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom XXXX account. I always ask for proof of the debt and an itemization of charges because I do not know of any current XXXX debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This sucks! I need your help!!. 
I called XXXX and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Westhill Financial
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Today I received a call from this collection agency regarding an alledged debt. When i first answered the call, the representative told me that he works for a legal department and they were taking action against XXXX and they needed to speak with her. The representativr then told me I needed to pay XXXX or else I wouls be going to court. I told him I knew nothing of the debt and I wanted to dispute their claim and have them validate this debt. I was told no that i coukd not dispute since they had my information and that the attorney who they work for was going to take me to.court. I had no idea what this debt is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgement listed on my report by XXXX that has been vacated or dismissed due to XXXX illegal collection tactics. Im currently disputing with Equifax and have recently disputed and they continue to somehow verify as acurate. I now have a copy of supporting documentation that supports my claime please note that there were several accounts dismissed are that were included with my lawsuite against them in the documents. Please review the uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
I paid off a credit card from Chase Visa and they sent me a bill for {$13.00} on a XXXX balance. Also they charged 27.99 % interest on XXXX and 29.99 % on another and refuse to lower them both Chase Visas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been trying to get " Account in dispute '' removed from my credit report for almost a year with no results. I am not disputing any accounts that are being reported as an dispute and never have. After sending multiple letters, all XXXX credit reporting agencies have responded with adding an additional remark that I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I request you open an investigation into transfers I made in late 2019 from my BOA account ( and from other bank accounts I control ) to your customers/clients who defrauded me and stole {$310000.00} USD in a scam operation that had been trending for some time and which impacted many other victims. The total amount sent from the BOA account is {$300000.00} USD. 
As is detailed in the attached investigative report I commissioned, your bank harbored, aided and abetted elements of an international criminal syndicate. Numerous red flags were present and indicate your bank abrogated its regulatory compliance obligations designed to curtail money laundering and terrorist financing. 
It is inconceivable that you met or maintained your Know Your Client ( KYC ) obligations for your account holders operating under the name XXXX XXXX XXXX, account number XXXX and XXXX XXXX XXXX XXXX, account number XXXX. 
These unscrupulous entities are being named in criminal complaints I am filing with state and federal law enforcement agencies. I request you offer law enforcement, and my investigators details you have collected regarding these criminals. 
Will you assist me to recover my stolen funds, or will you continue to aid and abet the thieves who defrauded me? 
Attached, please find my investigative report. I am also available to provide any further documentation or clarification as needed. 
Thank you for your anticipated courtesy and cooperation.

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 2022-04-21
Company: EQUIFAX, INC.
State: TX
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. 
USDOE/XXXX  XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX XXXXXXXX XXXX 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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Complaint : ( XXXX/XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. XXXX XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX  ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: AZ
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 notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accounts from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX  XXXX XXXX Balance Owed : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Discover returned several small checks to my church claiming there were not funds available but there were my direct deposit went in my account early that morning!! I work for the XXXX XXXX XXXX XXXXXXXX and have always had direct deposit and the XXXX XXXX is always in my account by XXXX! XXXX XXXX  supervisor I requested to speak with said she did not know what time it came in which is a lie! I used to be a banker and they do know especially a direct deposit! She and the girl prior had me in hold numerous times for nearly an hour and never resolved anything! If funds are in the account the same day as my deposit the checks should not have been returned!! When they do this I then get charged with numerous NSF charges from the business!!! I want them all paid! They are just trying to avoid a bank error as it looks bad on them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I checked my credit report on creditkarma. Both XXXX and Equifax showed a " legal item '' on my public record. I contacted them both. Only XXXX corrected it, Equifax did not. Somehow my fathers " legal item '' reference # XXXX found it 's way onto his son 's ( my ) credit report. I can see how it happened as I am the XXXX ( XXXX ) and he is the XXXX ( XXXX ) so we share the same name just different XXXX. also I currently live with my parents so I share the same address. but I 've never had student loans, home loans, or new car loans. also all my credit cards combined have never added up to that amount. I 'm not saying this is a false legal item, I just want someone to see that it 's on the incorrect persons record. please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: IL
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:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: OH
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 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 2017-01-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax Credit Bureau continues to allow XXXX XXXX to report fraudulent information towards my credit report. I have filed several complaints concerning this issue. My Equifax credit report has this account as a " charge off '', delinquent, and 90 days past due 26 times. This account was included in a chapter XXXX bankruptcy on XXXX 2011. The account has been paid in full. My complaint is with Equifax for allowing this company to report fraudulent information. I 'm requesting to see the documents Equifax received from XXXX XXXX concerning this account. In addition, Equifax has two XXXX 's accounts listed on my credit report. I had only one. The bankruptcy is public record and had Equifax done a thorough investigation, I would not be having to file another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX  or around that date, contact ed Harris & Harris re garding collection notice for my daughter  XXXX   XXXX  for date of service  XXXX / XXXX / XXXX  for   XXXX   from  XXXX   XXXX   XXXX . We never received any bills due to an address change. Most recently found out about bill and did investigate it to find out the char ges went to our deductible and we did owe {$150.00}. When we got the notice from Harris & Harris,  I contacted them immediately to inform them that the bill was paid on  XXXX / XXXX / XXXX  and was cashed by  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  which was the date the collection letter was sent out. I informed  XXXX  &  XXXX  of this and told them they needed to go back to  XXXX   XXXX  to talk to them about payment. On Saturday,  XXXX   XXXX ,  XXXX  we receiv ed a more threatening letter from Harris & Harris w arning that they will send a report of bad debt to Credit Bureaus. I am absolutely upset by this because we told them the bill was paid and we continue to get more threatening letters. I plan on calling them again on  XXXX / XXXX / XXXX  to discuss this and also plan on calling  XXXX   XXXX   XXXX  to file a complaint however this type of intimidation is completely uncalled for when there is not debt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
As my husband and I near the discharge of our debts after four long years paying a chapter XXXX, our indebtedness will be over XX/XX/2016, and we are making a diligent effort to repair and restore our credit as much as possible. Both on line and over the phone, the program times out before I can complete the application, or just when I am ready to hit the submit button. Via phone, the system is automated and I can not reach anyone over the phone. It is frustrating to keep entering the info on line, only for a system error to pop up then I have to repeat it over and again. I have told both Equifax and XXXX over and over that they are reporting incorrect information regarding our mortgage and that we have been late just once, and on the smaller mortgage, we were stripped of it via bankruptcy. They wo n't listen, and keep reporting inadequate information. We ca n't get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I have no idea how this showed up on my credit report because I have only authorized Wells Fargo to do a hard inquiry on my credit when I was applying for an Auto Loan.

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