BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
I have been a faithful and loyal customer of WellsFargo for seven+ years. I have paid my credit card payments on time and I built my credit up to a credit line of {$11000.00} and a credit score of XXXX! It took several years and focus to achieve this accomplishment. The issues is, my teenage son open an account with WellFargo a few years ago. At that time your representatives insisted I had to sign onto this account with him due to his age. Those representatives also guaranteed to me that as a valued customer, my account will be safe and his account activity would not affect mine!! Otherwise I never wouldve signed my name to his account!! However trusting in this company, I signed my son 's teen acct. Recently his account experienced fraudulent activity. The activity was strictly within his account, nothing from my account whatsoever. However without warning and during the holidays, my credit card was deactivated! I immediately reached out to Wells Fargo, hoping it was an error, and confident it would be rectified easily and quickly. My account was investigated, only for me to be informed because I was on my sons, account due to his fraudulent activity, my credit card was deactivated, and this closure was reported to my credit information, immediately decreasing my score by XXXX points! I am very upset! I am very disappointed! I am livid! I have made 100 % on-time payments to my credit card with this company. My credit line grew due to my loyalty to my years with their bank. My accounts show nothing negative!!! I simply feel as a loyal 7yr customer, my account activity should have been more closely evaluated separately from my son. My son 's fraudulent activity has caused me to be punished on 2 different levels, my $ XXXX credit line is gone, my credit score has dropped drastically, which will affect every area of my life. Wells Fargo has responded in a cold and very uncaring manner. For the 1st time in 7yrs I did not feel like a valued customer.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up 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, CA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}

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
Consumer complaint received 2021-12-31
Company: Social Finance, Inc.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I logged into my sofi account and my balance was XXXX XXXX the next day I logged onto my account my balance was XXXX and there is absolutely no trace of a posted payment on to my card yet I am being charged XXXX $ from XXXX yet I can not see this charge in my transaction history and they claim it is still pending. If it was a pending charge it would NOT effect my current balance until it was posted. This credit card company SOFI is refusing to help me and remove the transaction, and also refusing to provide a proof of purchase or anything of that sort to help me. They change their story every 2 minutes and treat their customers like trash. One employee XXXX XXXX, XXXX XXXX XXXX went as far as personally insulting me. " You're a XXXX '' she said, on a recorded line. I then talked to XXXX ( XXXX ) and she did absolutely nothing but waste my time and say that she cant help me. There is no proof of purchase, I can not see the purchase and they will not send me any proof. They are refusing to remove the charge and will not work with me. This will ruin my credit score because of the high utilization on the card, but I believe it was a sofi member who spent my money and that is why they will not give me proof of purchase and they keep running me around in circles. This company is complete fraud and they have stolen from me. Please Avoid SOFI at all costs, it is a terrible bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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
Consumer complaint received 2021-12-31
Company: American Collections Enterprise, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICAN COLLECTIONS E ; LOCATED AT:XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$560.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, received a call from a representative who was working on behalf of HSBC to tell me I owed money on a credit card that I opened in XX/XX/XXXX. I had 90 minutes to respond to the initial call or they would proceed without speaking to me. The initial amount was {$880.00} and was now at {$6600.00} due to interest and late fees. I advised that I did not open a HSBC card in XX/XX/XXXX and the only ones I did have were included in my bankruptcy in XX/XX/XXXX ; which they knew about, but this card was not a part of that. The card in question ended in XXXX. When I searched old credit reports, this card does not appear on any credit report. They advised it wouldn't be on a credit report as it was put on hold, then transferred or sold to XXXX XXXX. The only HSBC card I had that was transferred, was in XX/XX/XXXX and included in my bankruptcy. They wouldn't listen, they were just trying to do their job and collect my debt. They were willing at this time to offer me a settlement of {$1300.00} ; yes or no, couldn't think about, had to decide at this time. I also had to provide them with a credit card to pay. I advised I didn't have a credit card with me, they said they would put a hold on my bank account until I was able to provide my credit card info but I had to respond by XXXX. I advised I wasn't going to give them any bank or credit card info over the phone. I also advised I had never received anything in writing and they said I was lying, they have sent out multiple notices to me regarding this. When I asked them what address they sent the notices to, they asked me to verify my address, I again asked them to verify my address and they refused. When I refused to pay and they refused to send me notification in writing, they advised they would pursue a judgement against me, have my wages garnished and possibly arrested for credit card fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: FL
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:
The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This complaint serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately.

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 2021-09-18
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Would like to make a complaint against XXXX XXXX and EOS CCA Because I never had this service XXXX said on XX/XX/2021 I owe {$2300.00} this is not true and I have tried to reach out to XXXX for over the last year I spoke to a customer service lady and she could not connect me too the right person to speak to about this matter although customer service said that this account Had Been sent to collection And no one in that office there could help me I tried to explain that I never had XXXX and would like to resolve this matter but I was told they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2018-10-18
Company: HANCOCK WHITNEY BANK
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a home Mortgage with XXXX XXXX. The Escrow Department is grossly negligent in organizing and submitting payments for homeowners/flood insurance. I paid up from for homeowners and flood insurance during the home building process. After the home was complete, I received an email from a Whitney Representative that I must pay the homeowners premium up for a year and send proof of payment/Policy. I inquired about where is the money that I paid towards the insurance monthly during the building process and it appears that I am paying for the same insurance twice. I was informed I must pay the premium to change from construction loan to permanent loan. Nevertheless, I paid the premium and was informed that I would like get a refund during the Escrow yearly analysis. Not sure why the payments that I made towards insurance could not be applied to the premium. It appears the departments and are separate companies inside of one company and systems are not seamless. My recent issue is that my homeowners/flood representative informes me that they havent received the flood payment and it was due that day. This concerned me greatly as we live in a hurricane prone state and currently in hurricane season with a hurricane moving into the XXXX XXXX XXXX. I contacted Whitney on XX/XX/18 regarding the proof of payment. The Whitney Representative couldnt provide me with proof that the payment was made except the date payment was sent and check number. I requested proof in writing and was informed I should receive a letter in the mail in a few days stating the payment was sent to insurance company. I believe I should have received proof emailed or faxed to me on the date I requested. My homeowners/flood Representative decided to follow up Whitney on XX/XX/18 regarding the Flood Payment that was sent on XX/XX/18. Whitney apparently ignored the bill address on the Flood insurance bill and decided to mail the payment to Homeowners billing address. The Homeowners/Flood requested that Whitney overnight another check to the correct Flood address as the policy has currently expired as XX/XX/18. In the Whitney world, Overnight mail will take 3 days to receive. I refuse to pay twice for the same insurance policy again because Whitney is unable to fix their issues. This issue requires corrective action immediately before homeowners assume that they have insurance and face a loss due to a storm only to find out Whitney sent the payment to wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CREDIT ACCEPTANCE CORPORATION
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: Public record information inaccurate

Complaint:
I recieved car loan for a XXXX XXXX XXXX XXXX in XX/XX/XXXX from Credit acceptance corp. I paid my bill on time every month for 7 months. The transmission in the car failed in XX/XX/XXXX. I contacted Credit acceptance to see what my options were as i could not afford the repairs and i did not want my credit score to be affected. They stated it was nothing they could do as far as paying for repairs. I asked about the process for turning the car back in to them. Credit acceptance rep stated that they would come pick the car up, it would then be sold for what they could get for it, Whatever they sold it for would be subtracted from the balance i owe which at the time was about ( balance in XX/XX/XXXX {$4500.00} ) they would send me a letter with new balance once car is sold. I never recieved a letter with the new balance. They are still reporting as if account is open til this day. They are reporting an inaccurate balance of XXXX which is more than the initial loan amount. They are reporting late payments and voluntary surrenders every month. Every time i dispute they get worst. I asked for proof of what they are reporting, and no one can furnish the proof. I asked all three bureaus XXXX, XXXX, and XXXX to verify and send me proof. But yet and still no one can show any evidence of this but its still reporting negatively on my consumer report and public records. Ive requested this to be removed for inaccuracies numerous times and yet its still reporting. This is Fraud and it is causing great stress and hardship in my life, Due to their bad business practices.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I sent the attached letter to the courthouse asking if they report bankruptcies to the credit bureaus, and I received a letter stating " The U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. If this is the case, how do the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according t

o 15 USC 1681. According to 15 USC 1681 section 603 ( 3 ) ( E ), the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he
is acquainted or whom may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S. C 1681 section 602 A states I have the right to privacy.

In addition, according to 15 U.S.C 1681 Section 604A, Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USCs-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please refer to the two bankruptcies cases below, XXXX XXXX Case # XXXX Filed on XX/XX/XXXX XXXX XXXX Case # XXXX Filed on 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 2023-05-17
Company: Experian Information Solutions 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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on 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 2019-02-20
Company: The Outsource Group, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit and I discovered that this company has reported that I owe them and I have never received services nor goods from them.

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