vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This veteran needs your help. I believe while I was in the VA Hospital, Wells Fargo Home Mortgage stole my money, cant account for the funds and have not accounted for the funds in my account. 

I requested assistance concerning Wells Fargo Home Mortgage charging me fees for an Unpaid Second Principal balance in the amount of {$1200.00} and some category titled other fees in the amount of {$850.00}. You will see XXXX checks : Check # XXXX in the amount of {$1200.00} and Check # XXXX in the amount of {$850.00} paid to Wells Fargo Home Mortgage. 

I dont believe I owe them this money ; however, XXXX paying them because XXXX tired of them hanging this debt over my head. I requested Wells Fargo Home Mortgage to investigate my payments because I never missed a payment and they state that I missed a payment in XX/XX/XXXX ; however, they show I made double payments in XX/XX/XXXX and XX/XX/XXXX. This is most certainly a case for the Consumer Financial Protection Bureau ( CFPB ) due to damages for incorrectly charged fees. 

They ( Wells Fargo ) created a bogus phony Customer Account XXXX XXXX XX/XX/XXXX. The incident was in XX/XX/XXXX ; however, they just created a fraudulent statement to show as if I missed payments. XXXX XXXX XXXX Bank can verify that Wells Fargo receives automatic payments every first of the month. In addition, I have years of missing unapplied funds which shouldve gone to paydown principal balance. Lastly, my interest rate after the bankruptcy was supposed to have been a FIXED 2 % XXXX percent rate for the duration of the loan. 

XXXX extremely disappointed because I was duped by Wells Fargo Home Mortgage. I signed up for relief during the COVID crisis in XXXX ; however, I NEVER USED THE PROGRAM. I continued to make payments out of my XXXX account. Wells Fargo received the monies ; however, didnt apply it to my account. 
I request EVERY loan document and all paperwork affiliated with my Home Mortgage with Wells Fargo and/or any of her affiliates associated with this loan. 

I request Wells Fargo audit my account ( especially focusing on XX/XX/XXXX thru XX/XX/XXXX and beyond ) refund me any monies due and reduce my mortgage to its proper amount. 

I request Wells Fargo honor the 2 % fixed interest rate reinstatement for the duration of the loan. I request Wells Fargo to correct these matters immediately and make me whole. Thank you in advance for your assistance. 

Respectfully submitted.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2024-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Re : CASH APP via XXXX XXXX  XXXX On XX/XX/XXXX i noticed a {$3300.00} withdrawal from my new cash app card in the amount of XXXX I immediately tried to dispute because I had never used the card for a purchase at XXXX. When I went to the dispute link it had my brand new card last four numbers to XXXX with not account number or name. The cash app said pending and to wait until 3 days after which the choices are to cancel the card wait two weeks for a new one or block business both actions would not give me an open account to place my money back into my account. When the last card I had someone tried to pull money out of it I made a suggestion to CASH APP that the company place a widget option on the customer end when people try to pull out of our account that allows us the control to pay, deny or to block the charge when we did not make the transaction or are not prepared to pay it for auto withdrawals. 
That would have resolved it and since then they have not done it and saying that it could take up to 45 days for a refund. That money was for my phone bill I had just transferred it and now my phone is off because of this fraud and they would not give me a Company phone number claiming to not have one, nor a contact phone number for wellsfargo or XXXX XXXX. Told me it would take up to 45 days to get a response and that is entirely to long for a refund that took them three days to take out of my account. The US needs to install regulations requiring all electronic payments to have that extra step which gives the consumer control over handing over the transfer of their money. I requested that it not be paid while it was pending and they did it anyway ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon checking my consumer report I noticed XXXX XXXX reporting a fraudulent collection account in my report in the amount of {$1000.00} with the account number XXXX, this account was opened up using my personal information without my consent. 

I also noticed an account from XXXX XXXX claiming a debt owed for {$2400.00} with account number XXXX that was fraudulently opened up without my authorization. I did not consent to my personal information being used. 

Attached is my ftc report along with police report detailing the fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm personally submitting this complaint regarding late payment entries on my credit record. Upon examining my file, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I'm requesting your help to address and resolve this situation efficiently.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm personally submitting this complaint regarding late payment entries on my credit record. Upon examining my file, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I'm requesting your help to address and resolve this situation efficiently.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/year>, I filed my 1st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws EQUIFAX has violated. 
On XX/XX/year>, EQUIFAX responded with a VERIFIED AND ACCURATE response to my 1 st complaint. Confirmation Number : XXXX On XX/XX/year>, I initiated my 2nd complaint with the CFPB ( Complaint ID XXXX ) asking EQUIFAX to send me their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my 1 ST complaint with the CFPB. 
On XX/XX/year>, EQUIFAX responded again with a VERIFIED AND ACCURATE response to my 2nd CFPB complaint. Confirmation Number : XXXX EQUIFAX why have you not followed procedure in providing me with the original contract proving these accounts belong to me??? 

Furthermore, EQUIFAX you are in violation of Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), requires that [ w ] henever a [ C ] onsumer [ R ] eporting [ A ] gency prepares a [ C ] onsumer [ R ] eport it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The reporting of these accounts are inaccurate. 

Provide me with your METHOD OF VERIFICATION or delete these accounts ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
I have Reached ( XX/XX/year> out to Carolina finance which is located in XXXX NC and they stated that they do not have an account for me or never did I apply for credit. The creditor is listed on my XXXX report. I would like this hard inquiry removed since it is not my information. 
Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Numerous inquiries pop on my credit report that I didnt do or had knowledge fraudulent 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Numerous inquiries pop on my credit report that I didnt do or had knowledge fraudulent 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 2024-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: North Main Motors Inc.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/year> TO WHOM IT MAY CONCERN, Thank you for taking the time to listen to my situation with the company that I feel was dishonest and unethical. 
I had put in a online application for a vehicle that was being sold at XXXX Main Motors in XXXX Ohio, They told me I needed a co-signer and {$3000.00} down payment in which I had no problem doing my mother was going to co-sign but I was told she couldn't do it because she lived in Florida. So the salesman knew my boyfriend so he says he can co-sign for me and I was okay with that, My mother put {$2.00} of the down payment on her credit card and I was paying the remaining balance in agreed payment plan and so I did, Well it's time to get tags because my 45 day temporary tag expired is when I find out they registered the vehicle in my boyfriends name, ( XXXX XXXX XXXX and now I'm at his mercy, he wouldn't get the tags until I agreed to the rules he had sat forth for me, he then began taking tires off so I could n't drive it and when I decided I was going leave the relationship and go to Florida to visit my ma because we just did lose my brother to XXXX well without my knowledge they had a tracker on the car and the dealership was telling XXXX my location and every move I made. So now I'm stuck without a vehicle unless I do as I'm told, lost a job because of the nonsense and the dealership is reporting it to credit bureau and I'm unable to purchase another vehicle, I feel like the dealership owes me back my down payment and all the payments I have made toward this vehicle because what they did was dishonest and unethical and my mother not I would have never paid a down payment for a vehicle to be registered to XXXX XXXX. I've done contacted the dealership and they're not willing to do anything about it every time I turn around the reports the payment is late cuz he is paying the payment late and I'm unable to do anything like visit my family unless I have permission from XXXX XXXX XXXX the car. 
XXXX has even went as far as filing police reports saying that I stole the vehicle when I have it and I'm not doing as I'm told to bring it back because I'm having lunch with my child or I'm doing something with my family he has filed these police reports with XXXX Police department. I just think North main XXXX needs to do what's right and refund all my money so I can go get me a vehicle and my name like this one was supposed to be.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
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. 

Account name : LAUNCH SERVICING, LLC # XXXX, Account name : LAUNCH SERVICING, LLC # XXXX, Account name : LAUNCH SERVICING, LLC # XXXX has violated my rights. 


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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have recently initiated a dispute regarding the items in question, and I am concerned that a thorough investigation was not conducted. It appears that there has been a lack of proper investigation and a failure to provide validated proof substantiating the claim of a late payment on this account. In accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request that these accounts be promptly updated to accurately reflect the investigation 's findings or lack thereof. Your compliance with FCRA provisions is essential in resolving this matter satisfactorily.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have recently initiated a dispute regarding the items in question, and I am concerned that a thorough investigation was not conducted. It appears that there has been a lack of proper investigation and a failure to provide validated proof substantiating the claim of a late payment on this account. In accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request that these accounts be promptly updated to accurately reflect the investigation 's findings or lack thereof. Your compliance with FCRA provisions is essential in resolving this matter satisfactorily.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
While reviewing my credit report, i found a decent amount of inquiries that I have never authorized to occur, I understand that soft inquiries do not affect my credit report, however by allowing third parties and other companies to gain access to my personal information as well as my private information ( name, address, phone number place of employment etc ) it puts me at considerable risk to potential personal/financial harm or fraud, and is also a violation of my right to privacy. 

There was also no permissible purpose for these inquiries, in order to obtain a consumer report on an individual you need permissible purpose under 15 USC 1681b, which is either a court order, or a written request from the consumer authorizing an inquiry, I would like to request from transunion the court order or written instruction that was given to any of the below listed companies that authorizes them to make an inquiry into my report. 

LIST OF UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation