BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: MD
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 FCRA ; The list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX Has Violated My Rights XXXX  XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : No 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2015-08-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo prematurely closed my account despite me making agreed paying. when I opened the account, I agreed to pay {$100.00} per month and I have never paid less than XXXX per month. when I contacted the creditor ( XXXX and XXXX ) for assistance in managing my Wells Fargo account, they verbally indicated that they no longer bank with Wells Fargo because they do not deal well with customers and that Wells Fargo has closed all of their customers accounts in XXXX. Since the deal with Wells Fargo and XXXX and XXXX ended, Well Fargo have been inflexible in managing the late fee and discrepancies on my XXXX and XXXX account. Although they closed my account after increasing my credit limit, I continued to pay on the account, but my credit report reflect that it is charged off because i have missed XXXX or XXXX full payments ( due to late fee and online banking issues ) and have been trying to rectify the discrepancies and get my account current since XX/XX/XXXX, but wells fargo have been extremely punitive with their exorbitant late fees and rude customer services reps, who speak to you in a condescending manner and tell you that thereis nothing they can do but close or charge off the account and ruin your credit. they then proceeded to close my account in XXXX although they received payment. Please note payment made as reflected through my online XXXX account statements : XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$120.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX $ 100.00I will be happy to forward the aforementioned transactions through a formal bank statements to support this documentation. 

In XXXX, and XXXX I missed online payments due to an online banking glitch, but from XX/XX/XXXX, Wells Fargo have consistent received payment as reflected in your credit summary. I explained this to Wells Fargo and other creditors that were affected. other creditors did not charge my account off. they worked with me to rectify the past issues, and now my accounts are in good standing. Wells Fargo has made no effort to work with me as they appear to be no longer invested in me as a customer, due to their severed relationship with XXXX and XXXX, who has actually apologized for the problems and invited me in to open an account with their new bank ( XXXX ), as they no longer do business with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I can not get a tax form of mortgage interest paid out of Wells Fargo. Once you pay off a mortgage, your account number no longer works in their phone system. So you wait on hold to speak with a representative. Their phone hold " tune '' is designed to kill your will to live. I was told I have to wait 30 minutes. 

Update : I have now gotten to speak with a customer service rep. Once you payoff the mortgage, Wells Fargo will not grant you an electronic rights. So there is no way now to get statements other than to phone them and deal with the mortgage bureaucracy. Since my payoff occurred in XXXX of 2015, I will need their help getting mortgage interest payments made through early next year. 

The behavior of Wells Fargo is not up to the standards of the industry. I had another mortgage with XXXX XXXX and that firm allows me 7 x 24 to log in after the loan is closed to log in and download the critical information needed to deal with state, local and federal taxes. 

Wells Fargo -- having pocketed the interest -- should have more regard for the tax compliance burdens of customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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 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 XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right 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.

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 2022-06-04
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  accounts ; XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, US DEPT OF EDXXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF ED/XXXX XXXX XXXX XXXX ) amount : {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX  ( # XXXX ) amount : {$140.00} 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: CBC Companies, Inc.
State: SC
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:
XX/XX/2022, As requested by Innovis in the C.F.P.B compliant # XXXX. I have attached another FTC ID Theft Report and the local law enforcement agency police report for identity theft. Documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My Credit Report indicates, Im past due for {$90.00} from CBE Group. I have not received any detailed billing under my name for {$90.00}. I need proof that this {$90.00} is legally my bill. I have a right to see proof that Im responsible for such amount. If this is true than why havent I received a billing statement. I have filed a dispute with the Credit Companies and filed a a Fraud Notice because the Credit Companies cant seem to identify what the charge is specifically for. I think its incorrect to mark up someones credit report without proof of charge or negligence in paying. I seriously 100 % doubt this bill is legally mine but I cant provide evidence if I never received an itemized bill. 

This could be a case of fraud. I have been living at my current residence since XX/XX/2017. 

Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: First Associates Loan Servicing LLC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to XXXX in XXXX with hopes of starting a brighter future and while I was finally able to land a job in the XXXX they almost laughed during my interview when I told them I went to XXXX. My personal experience and own certifications landed me a job not the " education '' received at XXXX. What 's worse even though I was told I could later continue my education at another University I later found out that these credits were non-transferable! So everything they promised and told me and everything they " did n't '' tell me has hurt me and not helps. Also, thanks to Peaks private loans I started with a balance of {$21000.00} in private loans ( not to mention federal ) I have paid well over {$8000.00} and somehow still owe {$20000.00}. I feel ripped off and now feel like prisoner to debt.

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 2016-07-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been on file with Equifax credit bureau since XXXX, my date of birth on file is XX/XX/XXXX, all of a sudden someone at the crest bureaus stated that thesome collection agency reported my date of birth as XX/XX/XXXX. Equifax asked me to send them verification from social security which in fact I did. I also faxed and mailed my license to them they still will not correct my date of birth. The fraud department has stated that this is a mixed credit profile and the agency has destroyed my Advantage score, they taken away a XXXX points for no apparent reason as all of my bills are paid on time never late and credit cards ratio are XXXX balance. 

Their is XXXX erroneous hospital bills on my. Credit report with different birthdays however the credit bureaus has yet to remove this error. Every day they are taking XXXX XXXX points away from me and last week they taken XXXX point then another XXXX.i have repeatedly told them to look at my historical data as it clearly shows I have been on file since XX/XX/XXXX and born in XX/XX/XXXX. The social security Administration has sent over a statement telling them my date of birth and social security number as well as my current address. This agency fails to follow through and I sent this over to the US District attorney. I want this error fixed. How can someone change a date of birth, and how can the bureaus be so careless to accept erroneous information without checking the validity to actually see if it matches consumers profile. This is a huge mistake that Equifax has made, and I want this fixed or I will sue and seek for damages related to the errors this agency has made .posting different birthdays, posting medical bills that have different birthdays. Please help me get them to fix this is a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 'm filing this complaint with your agency to implore your help to investigate the violation of the Federal Financial Credit Reporting Act ( FCRA ) of the debt collection organization, Fidelity Information Corp. From my story below and the evidence attached, it is proven beyond any doubt that Fidelity Information Corp has clearly and intentionally violated FCRA by : Inaccurately inflated the disputed amount to 20 times ( from {$71.00} to {$1300.00} ) When I contacted them and sent them the explanation and evidence that I did not owe its client any money, not only did they not bother to reply to me, they also reported me to XXXX Credit Bureau agencies ( XXXX and XXXX ) with the inflated amount. 
When I contacted them the XXXX time by phone, the lady at Fidelity Information Corp ( XXXX at extension XXXX ) admitted that the amount was only {$71.00} and promised to send me a breakout within XXXX business days, but nothing was sent. 
When I contacted them the 3rd time via certified letter to ask for a breakout on my account three weeks ago, I have still not heard from them. 
When I disputed my claim with the Credit Bureau ( XXXX ) with proofing documents 3 times, every time the credit bureau sent the disputed evidence to Fidelity Information Corp. for review and they advised the Credit Bureau to remain the negative credit on my report. I called XXXX and asked them why they did not look at the evidence I submitted to them. The response was that the bureau would trust the collection services more than an individual because the collection service was required by law to report accurately. In this case it is not. 

What Fidelity Information Corp has done to me, it has certainly done to other consumers. Therefore, I implore your help to investigate and stop this collector from abusing its power and acting outside the law to protect consumers. 

Regards, XXXX

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 2021-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Other problem getting your report or credit score

Complaint:
I went through annualcreditreport.com to pull my credit reports. I was able to pull my XXXX credit report with ease, however I was unable to pull my XXXX report and Transunion report. 

I went directly to experian.com and was able to pull my credit report for free. I went directly to transunion.com ; I got an error message and was unable to readily acquire my credit 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 non-monetary relief
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/2014, I purchased Jewelry on the a Wells Fargo XXXX XXXX. This was a 12 months same as cash arrangement. When I received the bill, I set it up for 12 months with 2 weeks before the final due date. My account was on auto payment and was in good standing. 

Wells Fargo did not apply my last payment until after the " deadline '' date of the contract ( let me reiterate, this was on autopayment and completely in good standing. The amount sent he period was greater than what was required to payoff in advanced of the arrangement ). Believing my payment was paid in full, I did not check back until a credit alert occurred on my credit score. 

I called Wells Fargo immediately and was told the only way for me to dispute the charges was to fax or mail a letter. The letter below was sent on XXXX XXXX. I have since called twice ( with their collection agencies calling my phone multiple times a week ) and the letter is never received. Forcing me to either pay {$540.00} ( which is about XXXX % of the amount I put on this card to start with ) or get a 60 day delinquent mark on my credit. 

( The fact that my last payment was not applied for several weeks was CONFIRMED by a Wells Fargo Rep when I called ; however, he could not do anything about it. He could only ask me to send a letter. That letter was never received. ) This is a predatory practice. The fact there is no way to dispute and get a resolution of these charges short of a fax or a letter that will never be received is prove of this.

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 2022-06-04
Company: EQUIFAX, INC.
State: MO
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 items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation