BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call from someone stating he was a process server trying to contact me due to a cuvil suit filed against me for an installment loan I had with Ace Check Cashing. I had made arrangements to finalize pymt and was never notified there was an issue with pymt. I then get internally transferred to someone named XXXX XXXX representing a XXXX XXXX XXXX XXXX claiming he was hired for this suit against me. I told him I was represented by a lawyer and he told me to give him info to contact him and I said I will have my lawyer call you. He said my debt amount was {$420.00} which is not what i owe and i let him know the amt was wrong. He said well i need to check because it could be extra fees. He said to contact Ace at corporate XXXX and follow the chain of title which will lead me back to him. His number is XXXX case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX BANK Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$920.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$16000.00} Fraudulent Inquiries XXXX XXXX CRED Date of inquiry XXXX XX/XX/XXXX XXXX Date ofinquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX FCU Date of XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Veros Credit, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Bread Financial Holdings, 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.

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 2023-02-17
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have called asking to have my santander checking account closed over the phone and they said they couldn't... I got a letter dated XXXX. 

I'm not paying a XXXX monthly fee since they decided to change the terms and name on this " simply right " checking now. I don't use the account anyway and there is only XXXX cents in there... 

They need to close the account immediately because I'm not paying XXXX to keep it open every month since I don't utilize it anyway... 
Send a check to the address attached to this complaint for XXXX cents with a letter stated you closed the Checking account with debit card... 

Checking ends in XXXX. 

And the debit card ends in XXXX. 

Thanks

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 2020-08-06
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: Their investigation did not fix an error on your report

Complaint:
I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND XXXX   XXXX & THE COLLECTION COMPANY THEY SENT IT TO XXXX   XXXX  & XXXX which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports {$4800.00} FROM THE XXXX XXXX XXXX XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet

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 2020-08-06
Company: EQUIFAX, 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:
I file a complaint against Equifax each time fraud is put on that belongs to someone with the same name or my family member. I am so tired of this. Now, your company has put XXXX XXXX XXXX on my credit file. My car is financed through my credit union. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all XXXX XXXX XXXX above. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. 

I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. 

Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americans, particularly my XXXX I am begging to have XXXX XXXX XXXX removed, and let me XXXX? 

Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Bread Financial Holdings, Inc.
State: MI
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:
my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, Every time I try to connect to XXXX it directs me to : XXXX XXXX XXXX The XXXX   website is not currently available at your location. Visit www.consumer.ftc.govXXXX or www.consumerfinance.govXXXX  to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian has willfully failed to comply and block the reporting of the items i identified as a result of identity theft. Congress states they have FOUR ( 4 ) business days to do block and delete information as I provided everything needed to do so. CFPB Complaint # XXXX as reference.

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 2022-12-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 Wells Fargo Account beneficiary fraudulently accessed our business account with another bank. They initiated a wire transfer in the amount of {$49000.00} to Wells Fargo account XXXX ( see wire transfer confirmation and enlarged pages ). This was fraud. Wells Fargo was alerted by our bank 's fraud team, bit delayed the response for a swift recovery allowing the fraud actor to withdraw the funds. The delay, which was not reasonable, provided an extended window of opportunity for the fraud actor to withdraw the funds. However, the issue should never had been able to transpire in the first place. Wells Fargo was negligent in its interactions with the fraud actor by allowing this account to be opened in the first place. Wells Fargo failed to take commercially reasonable steps to prevent the fraud activity. The account was opened using the name " XXXX XXXX XXXX Services '' out of California. A simple and basic record search with the California Secretary of State would have identified no such entity exists ( see 2-page screen shot of the Secretary of State website showing no such entity exists ). The negligent manner Wells Fargo sought a new account rather than taking its own policies for verification is further idiotic as the address for this fraud account actor is listed at XXXX XXXX XXXX, XXXX XXXX CA, XXXX. A basic " XXXX '' online search ( results attached ) shows this as a XXXX room shack property, certainly not reasonable to be an XXXX XXXX XXXX. Either of these methods used to take commercially reasonable efforts to verify the valid identity of this fraudster would have and should have raised concerned if in fact these were properly verified before allowing them to open the beneficiary account with Wells Fargo. Wells Fargo made no effort to responsibly act as a banking institution and allowed a pathway for fraud to occur to which I was the victim.

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 2018-04-08
Company: EdFinancial Services
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: Account status incorrect

Complaint:
EdFinancial reports as late items that date from 2005 or before, when I left the XXXX XXXX at XXXX XXXX. I have taken out NO loans since then. Further, EdFinancial used private lenders before XX/XX/XXXX so all accounts have aged out and should be removed. EdFinancial is reporting these as late, which has destroyed my credit payment history, which actually is impeccable. 
Ed Financial tried to-age these accounts, some of which date from XX/XX/XXXX, in XX/XX/XXXX, when I was working steadily. This is illegal but apparently a common practice of EdFinancial. 

Hence, EdFinancial is not only reporting very old information ( some more than 20 years old ) as current, but they are refusing to remove all edfinancial data from my credit reports at all 3 bureaus. Reporting accounts more than 7 years old is a FCRA violation, but as indicated, all items are from XX/XX/XXXX-XX/XX/XXXXand NO later. Anything else is an attempt to re-age old debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in XXXX blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.

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 2023-07-10
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
This complaint trails on a previous complaint, recorded with cfpb as complaint number XXXX. But it is not a duplicate. In my previous complaint, I complained that my credit report was not updated in real time and a dispute resulted in a " verification '' that it was accurate. As I understand the furnisher 's policies, they update reporting once each month. A review of my credit report history with XXXX confirms this representation and I have been patiently waiting for it to update. The reporting history indicates that this updating has taken place on or about the last day or first day of every month since I opened the account. Moreover, in the response to complaint XXXX, the furnisher explained in detail that " We identified that we previously received the same dispute request from you directly on XX/XX/XXXX and from a consumer reporting agency on your behalf on XX/XX/XXXX. At that time, we investigated your dispute and mailed you the enclosed letter dated XX/XX/XXXX and provided a response to the consumer reporting agency. '' Notwithstanding the aforementioned, my XXXX report has remained without update since XX/XX/2023 ( see attached entries ). This is not only despite that both XXXX and XXXX have been updated, but that the absence of an update for XXXX is inconsistent with the furnisher 's explained policy as verified by the history of reporting on the account. Today is XX/XX/2023, and the account is not reported for XX/XX/2023. According to XXXX, they are waiting on information from the furnisher. Because a balance is being reported by the furnisher, my credit utilization is calculating incorrectly for credit scoring purposes.

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 2022-12-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir or Ms : Over this past weekend ( XXXX XXXX ), my wife and I submitted a mortgage application to determine our options in the purchase of a property here in XXXX VA XXXX I don't recall getting an opt-out option, but the credit bureaus shared our information with appears to be hundreds of lenders. My wife and I have each received more than 65 calls each ( XXXX calls total ) just this morning. It is atrocious and unacceptable that the same institutions that we count on to safe guard so much of our personal information are turning around and sharing this on the back side with a hungry and depressed mortgage banking market. I have never in my life had such an experience - we need strengthened data privacy laws so that my personal information is not shared with other lenders without my knowledge. I will make the decision on whether to shop around for other lenders not the credit bureau. Your assistance with this matter and sharing options for how to change this would be much appreciated. 
Sincerely, XXXX XXXX ( M : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the disputed information 's current status, which is another violation. I have all the evidence attached below. 


XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report.

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 2020-08-06
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke to AmeriSave on XXXX regarding a refinance with XXXX XXXX NMLS ID # XXXX. He took advantage of me being inexperienced in this whole refinancing process and told me I had to put a fully refundable deposit down of {$500.00} and that it would be refunded if I ever chose to not go through with the application or change my mind. I contacted XXXX on XXXX to cancel my refinance application and he responded with Too late, that is non refundable. Good luck. When I told him I was told it was refundable he laughed and said never have I said that and whoever told you that is a lie. I advised that he was the only one I spoke too and he just said that I was out of luck and couldnt do anything and to just move on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've mail a letter XX/XX/XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report.

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