BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
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 have unauthorized credit reports from this company on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
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 2023-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a claim on a cash deposit made to one of the Wells Fargo ATMs in XXXX XXXX, CA at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023, at XXXX XXXX. The ATM machine " jammed '' during a deposit of {$960.00} cash to my checking account and kept {$460.00} 0f this deposit and I was able to retrieve {$500.00} by pushing the return button. now as a customer I need to wait 10-days without any further correspondence and was told on the day of the deposit when I called customer service that the transaction needs to be " investigated '' to prove it really happened, and that Wells Fargo could not view any customer transaction on their ATM machines since Wells Fargo does not own the machines. 

Sat this branches ATM, I first used my XXXX debit card to withdraw {$1000.00} from XXXX and was charged a {$3.00} service charge. I received {$1000.00} in {$20.00} dollar bills and proceeded to deposit {$960.00} into my Wells Fargo checking. Luckily, when the machine jammed, I pushed the option button to return funds and was able to get back {$500.00} of the {$960.00} returned, less the {$460.00} the ATM machine kept without any receipt of its acceptance ... my primary reason at the Branch on the morning of XX/XX/XXXX was to deposit money to send my XXXX to my quadriplegic son who lives in another state and needed money that day. I only use Wells Fargo as an account to transfer funds to my son and to pay a mortgage payment on one of my 3 homes. 

The fact that I needed to go to one of my other Banks on Monday XX/XX/2023, and wire funds to my XXXX son to get to him ASAP is not only an inconvenience but has now completely impacted my already low-confidence level in Wells Fargo Banks XXXX given your history. 

That a customer can deposit cash money into am established Banks ATM machine and not get a receipt of what amount was accepted regardless of a " jam '' is outrageous, yet I got a receipt showing a malfunction and a {$0.00} cent placeholder credit for a transaction of {$460.00} of a {$960.00} cash deposit was accepted by your Bank.

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 2023-06-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-06-24
Company: General Motors Financial Company, 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 reporting act GM Financial account XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency a 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 2023-01-11
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit shows that in XX/XX/XXXX, there is a debt collection of {$620.00} on my SSN, owed to National Credit Systems, with the original creditor XXXX XXXX XXXX XXXX XXXX. 
First of all, I never lived in that apartment, nor have I visited it. 
Secondly, this debt collection occurred before I received my social security number ( I received my SSN in XX/XX/XXXX through my employer ). 

I contacted the company in XX/XX/XXXX, and an employee at XXXX XXXX XXXX received my call, and couldn't do anything about it. They confirmed that they managed that property XXXX XXXX XXXX XXXX during that period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CKS PRIME INVESTMENTS, LLC  XXXX XXXX XXXX XXXX XXXX XXXXHAS PLACED A COLLECTION ON MY TRANSUNUON CREDIT REPORT AND SENDING ME NOTICES IN THE AMOUNT OF XXXX  THE COLLECTION IS BEING REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE

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 2021-10-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I received a call from a man stating he was a Wells Fargo employee. He was calling to inform me that a suspicious wire in the amount of {$19000.00} had been initiated from my savings account and asked if it was me who had initiated the wire. I said it was absolutely not me. I have never done a wire in the 22 years that I have been with Wells Fargo and I do not authorize the wire. I never signed anything to authorize this. He said he needed to secure my account and sent me a text message with a 6 digit code that I had to verbally relay to him. That is normal for Wells Fargo. The next day I discovered that the wire had gone through to a XXXX account to a person named XXXX XXXX, there was also 2 {$500.00} XXXX transfers out of my checking account. I called the bank immediately and opened a fraud claim. I do not know who this person is. Wells Fargo initiated a wire recall only to find out that the XXXX account was closed and there were no funds to be refunded. 
I was reimbursed for the 2 {$500.00} XXXX transfers but the fraud department is saying that I did authorize the wire and they will not reimburse me the {$19000.00}. They will not tell me why they chose to reimburse me for the 2 XXXX transfers and not the {$19000.00} wire. When I asked why my account wasn't insured for this they said that it would be if it was bank error. They stated it was not their fault and I did authorize the wire. 
I have done a little detective work myself and discovered the recipients home address in XXXX Florida and the police are working on getting an IP address of where this wire was initiated from. 
I have opened a police report in Colorado where I live. I am also in the process of filing an appeal on the denial of the claim. 
I am including the letter from the bank denying the claim as well as the emails from Wells Fargo adding the recipient and the wire they processed.

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 2023-01-10
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I requested my Private Mortgage Insurance ( PMI ) be removed because I made significant home improvements which increased the value of my home. I submitted my request in writing on the LoanCare portal as directed by their customer service representative. On XX/XX/2022 I made the payment of {$150.00} to LoanCare for the Broker 's Price Opinion ( XXXX ) to be obtained. The XXXX was completed on XX/XX/2022 by XXXX XXXX XXXX XXXX. The results were favorable. Based on the XXXX evaluation my new market value was {$380000.00} which was 67 %. My Purchase price was {$280000.00} and my current loan balance is {$250000.00}. This was way about the 30 % threshold needed to remove the PMI. On XX/XX/2022, LoanCare sent me a letter with the XXXX report. I called LoanCare on XX/XX/2022 and spoke with a representative to discuss when my PMI will be removed. He stated that he saw the report and did not know why the PMI Department have not been the adjustment but will send a message and they should get back to me no later than XX/XX/2022. No one called so I called again on XX/XX/2022. The rep stated they mailed me out a letter stating I have not met the payment history requirements as the reason for my denial. According the the PMI disclosure I signed on XX/XX/2022 it state " For purpose of PMI cancellation, a good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date the you submit a request for cancellation. '' I have made several attempts to resolve this issue but LoanCare keeps sending the same letter stating I do not meet the requirements. This is completely unfair and false. The XXXX report clearly stated the value of the home was {$380000.00} and I have a good payment history. LoanCare is in violation of the Homeowner Protection Act.

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 2023-04-26
Company: CMG MORTGAGE, INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I used CMG Financial to help finance my loan for a new primary home in XX/XX/XXXX. My first payment was due XX/XX/XXXX and I made the payment using CMG 's system. Afterwards, I was asked if I would like to use said payment method to set up autopay, and I did. I received an email XX/XX/XXXX stating that I had registered, then another email XX/XX/XXXX stating that I was enrolled in autopay ( attached ). From then on, I did not recieve any other e-mails from CMG Financial. On XX/XX/XXXX, I recieved a notification from XXXX XXXX that my credit score had dropped due to 2 missed payments with CMG Mortgage, despite my autpay being established. I signed in online to find out that the autopay had not initiated and had not pulled any payments. I then had to immediately make 3 mortgage payments, including late fees. Since then, I have continuously attempted to establish autopay from XXXX XXXX XXXX  with no success. Luckily I have been manually sending payments the 1st of every month after realizing autpay is not working. I called CMG to resolve this issue, and they claim to have mailed me letters via standard USPS to my secondary home address 100 miles away that stated the failed autpay attempts and my need to pay the mortgage. I have no such evidence of ever recieving these letters and CMG has no proof that said letters ever reached my home. In addition, I asked them that if their system was able to email me notification of autpay establishment and enrollment, then why would they use a completely separate method of communiation to notify me of a failed attempt for autopay? Especially considering the unreliability of standard USPS to deliver to the right place at the right time and the grave importance of maintaining good credit standing! CMG claims to have sent me a letter on XX/XX/XXXX, but I never found it and have no way of confirming its arrival since there is no tracking number associated with their notification.

Due to CMG 's stubborn resistance to my request to remove the late payments, my credit has been irrepairably damaged. I currently need to move to a new state to help my family care for my XXXX XXXX XXXX grandmother. I have a low D/I ratio, good credit, and make an above average income, but I am forced to live out of my parent 's home or rent until this is resolved because I no longer qualify for a mortgage due to CMG 's technical negligence unless I can produce a few hundred thousand dollars to purchase a new home cash. This is because no mortgage lender will loan to a person who has missed a payment in the last year. I never intended to miss any payments, nor did I have any financial circumstance that would have prevented me from paying. The only thing I did was allow myself to be decieved by this mortgage firm who takes my money without fail, but has zero interest in taking accountability for their faults or properly notify their customers through reasonable authenticated methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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:
On XX/XX/2022 I was at a Kohls in XXXX XXXX, the associate helping me was XXXX. I ran my already existing credit card with the company and she said it wasnt working and it could be the card. She could look me up by my SSN ( which has been done before ) and see if I could run my card virtually. I gave her my information and then she let me know I was denied for a new credit card application. I did not authorize this at all and again thought she was looking up my EXISTING credit card I physically had in my hand. I left the store buying nothing because of this.t I then call Kohls and they tell me Im now under investigation from their company for Fraud and would not resolve the issue because she tried to apply me for a new card and tried to ring me up 3 times against my card that they froze because of this. 


They refused to help me with the unauthorized pull and treated me like I was a criminal scamming them. 

I even got ahold of their support team and they put me on hold for 45 minutes for a supervisor who said I didnt respond in enough time and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two collection accounts that do not belong to me. These accounts were open in XXXX, Kentucky. I have never resided outside of California. I called I.C. SYSTEM, INC and asked that they to remove these. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX {$740.00} Balance updated XX/XX/2021 I.C. SYSTEM, INC Original creditor : XXXX XXXX {$920.00} Balance updated XX/XX/2021 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
Consumer complaint received 2023-01-25
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: Information belongs to someone else

Complaint:
Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}

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