BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NC
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am not XXXX percent sure but I dont think my taxes and escrow are being applied correctly to the mortgage 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
Consumer complaint received 2022-09-24
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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to XXXX U.S.C XXXX XXXX XXXX A States I have the noht to XXXX XXXX XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 because I have noticed a variety of fraudulent accounts and fraudulent charges reported on my credit. I am a victim of identity theft and need these accounts and charges deleted to correct my credit report. I have reported the identity theft as well as the fraudulent charges and accounts that were found on my credit report to the Federal Trade Commissions Identity Theft Affidavit. Please have the following charges and accounts removed as soon as possible.

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 2022-07-29
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: Personal information incorrect

Complaint:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$280.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), XXXX XXXX XXXX XXXX XXXX, XXXX, Credit limit {$400.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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 Fair Credit Reporting act XXXXXXXX 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 : 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 2022-12-05
Company: ERC
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:
In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSWORLD SYSTEMS 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:
In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: IL
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 act, my rights have been violated. 
In accordance with 15 USC 1681 section 602a, i have the right to privacy.

In accordance with 15 USC 1681 section 604a section 2 a consumer agency can not furnish a account without my written permission.

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 2022-07-04
Company: EQUIFAX, INC.
State: IL
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 act, my rights have been violated. 
In accordance with

15 USC 1681 section 602a, i have the right to privacy. In accordance with 15 USC 1681 section 604a section 2 a consumer agency can not furnish a account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
This is my second time dispute incorrect items in my credit report and they still have not got back to me all XXXX bureaus Ive also sent a demand to comply letter they are reporting inaccurate information which has caused me to not be able to get approved for a home loan a car loan and even business credit and business loans to further my business this is unacceptable and unlawful!!! I want these items removed now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 sent an email to the CEO of XXXX XXXX  on XX/XX/2023 : " Dear XXXX XXXX : I was a former cardholder of a XXXXXXXX XXXX XXXX. To my knowledge, I paid it off in full. I learned today through a Transunion alert that XXXX XXXX  put the account into charge off/delinquent status. 

Can you please investigate and see why this has happened? 

I have never received a phone call and/or any correspondence in the mail regarding this account. 

Today I called XXXX and spoke with XXXX at about XXXX on XX/XX/2023. She said I gave her attitude because I said " you better ... '' Can you have your staff listen to the tape and maybe she needs coaching or retraining. Maybe I was wrong to be concerned about my credit report? 

Thank you for your time. 


I am sorry that I cc'ed so many executives, but I don't know who to contact regarding my situation. XXXX put me on hold two times and spoke over me several times. The total time of the call was 19 minutes and 40 seconds. I could not wait any longer, I had to go to work. 

For legal reasons, I am unable to discuss this over the phone and would need to have written documentation sent to me. You may use a secure email service, such as XXXX ( after verifying I am XXXX XXXX, of course ). 

Regards, XXXX XXXX, XXXX ''

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - Tied up XXXX XXXX XX/XX/2022 ''

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 2023-07-07
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days. I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ( ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

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 2022-09-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or about XX/XX/2022, I changed my phone number on my online banking account. The next day I was locked out of the account. I went into the local branch office and was told that I would not be allowed to access my account for XXXX days. They refuse to reset the account and claim it was standard procedure. They offered no legal basis for not allowing me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EOS Holdings, Inc.
State: PA
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:
In XX/XX/XXXX, I ended my service with XXXX XXXX and paid my final bill through XXXX XXXX. I am attaching bank statements and a clearance letter from XXXX XXXX on behalf of XXXX that I had no balance with them as of XX/XX/XXXX. I have not been a XXXX customer since then. 

In XX/XX/XXXX, two years later, a company named EOS CCA opened a collection account on me for what they said was a debt to XXXX- the same exact debt that had been paid years prior. 

I reached out to EOS on multiple occasions, and even showed the proof I paid. The only solution they gave me was to pay this debt a second time. 

I then reached out to XXXX, and after some research they realized a huge mistake had been made - that there was not a debt I owed. One of the executive employees suggested in a general sense that there was a communication error between departments. 

Since reaching out to XXXX 's executive office, they have tried tirelessly to get EOS CCA to either delete this incorrect negative mark, or to sell back the account to XXXX so that XXXX can do right by me. EOS CCA refuses to comply with them. I have communications with XXXX 's executive office stating such, and I even have an email from XXXX XXXX, EVP of XXXX, stating that he requested this collection account be deleted on XX/XX/XXXX. It still has not though, and I believe this is of no fault on XXXX 's part. I truly believe they have exhausted all resources in an effort to get EOS CCA to make this right. XXXX XXXX suggested I work directly with both XXXX and XXXX, because since he does not own the account, he can not delete it from my credit report himself. 

I did just that last week- I filed an online dispute with both XXXX and XXXX. Within 24 hours of me submitting all of my documentation, XXXX notified me the account was deleted from my credit report. This tells me my documentation was significant. However, when I attached the same documentation on to my XXXX dispute, XXXX called the debt valid and would not delete it. When I called to inquire, and spoke to a supervisor, I was told that XXXX 's policy is to only contact the owner of the account, which is EOS, and EOS said the debt was valid. Considering they have received official notifications from XXXX that this debt is wrong, I'm shocked that they could even lie to an official credit bureau. 

I am asking that you please help me stop EOS from inaccurately reporting on my XXXX report, and continuing to destroy my credit. I have incurred financial expenses at this point due to the high interest rates I keep receiving as a result of this collection. In addition, my fianc and I are forced to rent rather than buy after recently selling our homes because of this blemish on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Between XX/XX/2022 and XX/XX/2022, my card was charged {$1000.00} as a result of various purchases made via fraud. I promptly reported the fraud claim to Wells Fargo and the charges were temporarily reversed. I received a letter in the mail a few weeks later saying that my fraud claim was denied since I told the bank that the card was in my possession at the time when the fraudulent charges were made despite telling Wells Fargo that I did not make those charges. The extent of their investigation was that they determined that since the card was in my possession at the time of the fraudulent charges, I would be responsible for the charges. I've call customer service and the fraud claim department and they said that I would need to do my own investigation and provide receipts that I did not make those charges.

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 2023-03-30
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account for my business own by me, me, online with M & T bank, as the bank was having a promotion. At one point I believed my checks were loss so I called to put a hold on the account. As instructed by the representative, I will need to personal go into the bank with ID to obtain funds. Which I did, however I was rudely greeted by XXXX XXXX whom introduced herself as the manage later to find out she isn't. I was asked to basically open a new account with all documents that was already provide and which I didn't have on my person.in addition I will need to go to the court to get reissued because so have been misplaced. I have my ID, that matches the account so what is really the issue? first to mention I had a sweatsuit on because I feel comfortable wearing but I was being profiled. she begin to question where I get my funds from and I answer freely but she asked mutilple times as if something wasn't correct. At this point, I'm unable to access my account, pay employees, pay rent due to this issue. I'm at a loss and I need one access to my account and compensation for my loss. oh lastly she, XXXX at the XXXX XXXX location and the real manager XXXX whom refused to service me, offered to send a new card to my home address but I WONT BE ABLE TO ACCESS MY FUNDS. MAKE THIS MAKE SENSE

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