BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On multiple occasions I was wrongfully charged for overdraft fees and closing my account. I also was charged a maintenance fee when I made enough purchases to have fees waived.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX has been paid. They are now falsely claiming that they are owed money even though when I returned the lease. I was told there were no issues and I owed nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: LEXISNEXIS
State: DE
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:
My Name, Address and other information being reported inaccurately. I have disputed things I was told you investigated and the information was accurate. You are giving my private and false information with out my knowledge or consent not only is it identity theft and fraud its against the the law. FCRA 609 ( 15USC 1681g ( e ) ) also you investigation should have been you contacting my neighbors, friends, family. Please send me names, phone number and address of anyone you spoke to. The CRA or Debt collector can not be the entity that gave you information that claim you investigated and claimed to be acutely investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: AR
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 1 5 USC 1681. 

XXXX. XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( 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.

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 2021-05-18
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, My account is frozen and i have sent gemini trust company support 3 messages and no answer. 
Im losing alot of money and i cant do anything. 

What can i do? 
How can i unfreeze my account? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Consumer Reporting Agency, Equifax, did not use reasonable procedures to assure the maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies, which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The investigation did not verify the accuracy and completeness of the accounts. XXXX violated the law and failed to provide the required information in their initial response on, XX/XX/23. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX has been paid. They are now falsely claiming that they are owed money even though when I returned the lease. I was told there were no issues and I owed nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The account in question is under the name of XXXX XXXXXXXX XXXX, with a date of opening on XX/XX/2017, and a balance of {$20000.00}. Let me make it abundantly clear that I did not open this account or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/2022. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted all three credit bureaus before regarding my employers on my credit report. I do not give my permission ever to add any employer to my credit report. It cause harassment and telemarketing calls. Which neither should be able to access that information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 customers, right to privacy and confidentially under 15 USC 1681. 

1 ) XXXX XXXX XXXX XXXX  2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ) XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Im a XXXX resident and citizen who wanted to wire money to XXXX, an equity administrator for the company I was formerly employed with to exercise my stock options. 

XXXX had provided me with detailed instructions to wire money to their checking account at XXXX XXXX. The amount was {$67000.00} USD. On XXXX XXXX, I initiated this wire transfer from my bank named XXXX in XXXX. 

After waiting more than 29 business days and no acknowledgement that XXXX received my money in their XXXX XXXX checking account, I contacted my bank to issue a wire trace. My bank informed me that Citibank, which is the intermediary bank in my wire transfer, has stopped my payment for internal compliance. 

Citibank has not been responsive in resolving whatever compliance review they are conducting for my wire payment to the beneficiary bank, XXXX XXXX. 

Can someone please help me with Citibank to expedite this compliance review? My transaction is highly time sensitive and I will incur a significant loss in equity if this is delayed further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance from the Maryland XXXX XXXX XXXX XXXX XXXX ) program back in XX/XX/2022. I have submitted all the documentation for the assistance by XX/XX/2022 and they are now waiting for US Bank to respond to the request. The Maryland XXXX has been repeatedly trying to contact US Bank but haven't received a response with the information needed to get me the assistance from Maryland XXXX. I have called my mortgage company and they keep telling me they haven't received anything. I need someone to contact them to make them send in the information so I can get back on track with my mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I HAVE SEVERAL FRAUDULENT CHARGEOFFS SHOWING ON MY CREDIT REPORTS FROM PORTFOLIO RECOVERY FROM OVER 7 YEARS AGO, IVE ASKED FOR DEBT VALDIATION SEVERAL TIMES AND THEY HAVE NOT PROVED OR SENT ANYTHING AND HAVE DISPUTED IT ENDLESSLY AND IT ALWAYS COMES BACK VERIFIED INSTANTLY, THEYRE REPORTING INACCURATLEY ACROSS THE 3 DIFFERENT CREDIT BUREAUS, THEY HAVE ADDED ADDRESSES IVE NEVER RECIDED IN AND ALSO MY BIRTHDAY ON XXXX IS INACCURATE SHOWING MY DOB AS XXXX I WAS BORN IN XXXX. I SEE THERE IS NUMEROUS CLASS ACTION LAWSUITS FOR THERE FRAUDULENT BEHAVOR AND SCARE TACTICS I HAVE RECEIVED SEVERAL PHONE CALLS TRYING TO INTIMIDATE ME AND SAY I WOULD BE ARRESTED FOR NOT PAYING. THE STATUE OF LIMITATIONS FOR THIS SO CALLED DEBT HAS EXPIRED YEARS AGO I NEED HELP REMOVING IT FROM MY CREDIT AS IM IN THE PROCESS OF BUYING A HOUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a request to investigate a medical collect on my credit report to XXXX, experian. i have received no response of the status or up date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY LOAN WAS ORGINALLY WITH XXXX WHEN I FIRST PURCHASED IT BACK IN XXXX  IT WAS EVENTUALLY SOLD TO OCWEN AND I HAVE HAD NOTHING BUT PROBLEMS SINCE WITH MY MORTGAGE. AS SOON AS OCWEN GOT MY MORTGAGE THEY CLAIMED I OWED THEM SEVERAL XXXX  OF DOLLARS IN WHICH IT WAS IMPOSSIBLE BECAUSE I HAVE ALWAYS PAID MORE THAN I WAS REQUIRED TO AND I PAID ON TIME. HERE WE ARE AT ALMOST TWENTY YEARS LATER OCWEN/PHH IS STILL MAKING FALSE CLAIMS IVE HAD TO HIRE SEVERAL ATTORNEYS NONE HAS HELPED I WATCHED XXXX XXXX TAKE DEPOSITION ON A REP FOR PHH AND THE REP COULD NOT EXPLAIN WHAT HAPPENED TO THE MONIES I SENT THEM BECAUSE IT WASNT APPLIED AS I INSTRUCTED PHH TO AS IF IT JUST DISAPPEARED INTO THIN AIR. OCWEN/PHH ARE PREDATORS AND HAVE TAKEN ADVANTAGE OF ME THIS IM SURE OF I HAVE NEVER MISS THREE PAYMENTS TO BE IN DEFAULT. OCWEN/PHH HAS FORCED ME INTO ABOUT FOUR DIFFERENT MODIFICATIONS THEY HAVE ALSO ADDED XXXX XXXX DOLLARS TO A MODIFICATION I WAS NEVER MADE AWARE OF PLEASE HELP ME. I HAVE TRIED EVERY AVENUE TO GET THIS ISSUE RESOLVED. I KNOW I HAVE PAID FOR THIS HOUSE TWO TIMES OVER, I WOULD BE SATISFIED IT THEY JUST SEND ME MY DEEDS TO THIS HOME BECAUSE THEY DEFINITELY HAVE PREYED UPON ME FOR YEARS. I APPRECIATE YOUR TIME AND EFFORTS THANKS IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received on my email that an inquiry was placed on several of my credit reports with Equifax, XXXX, and XXXX on XX/XX/, 2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. XXXX XXXX XXXX  placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.

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