BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Date XXXX Wells Fargo Dealer Services has started back reporting against my credit again after they were not to report anymore regarding my used auto loan due to fraudulent accounting activity was found against WFDS. My account number was XXXX. Loan number : XXXX My original complain was placed against Wells Fargo Dealer Services starting back since XXXX. WFDS stole multiple payments that were made by me and not applied towards my auto loan, fraudulently placed High Risk Auto insurance on my truck when I had full coverage on my vehicle without my knowledge. Wells Fargo Dealer Services was charging me for it through my auto loan. They had also set up an unknown interest bearing intrest account in my name with out my knowledge. Moreover, WFDS handled the accounting practice fraudulently by not applying my auto payments towards the loan but placed my payments in that unknown interest bearing account without my knowledge and tried to say they never received my trucknoayments and tried to excelerate on me to repo my truck and more. 
CFPB Complaints number XXXX dated back XXXX - XXXX. 
Consumer Financial Protection Bureau : XXXX Office of Comptroller of Currency Case ID # : XXXX. 
XXXX Case # XXXX While I fought against Wells Farg Dealer Services fraudulently stealing behaviors an investigation found that WFDS acted fraudulently. 
I was awarded my truck title. I have been receiving compensation through the class action brought against WFDS. 

Resolution : Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

Attached proof for your review Resolution : 1. Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

2. Wells Fargo Dealer Services to remove all missing/ not applies funds we have sent to you. 
2. Correct my credit for WFDS have reported multiple negative credit reporting in which has affected my credit score and my ability to obtain credit being extended to me. 
3. Remove all late from my credit reports This has been the worst most stressful experience I have ever dealt with Wells Fargo branches and Wells Fargo Dealer Services. 

Attached proof for your review

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 2021-06-23
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sent into collections from XXXX XXXX on XX/XX/2022 and on the same day I made a payment. I was always sent a reminder in the mail to make a payment and instead of trying to contact me to get this resolved they just turned me into collections. No phone call no mail nothing and on top of that XXXX Accounts the debt collection agency never notified me of any such collection. Again, no phone call, no mail nothing!!! Tried to rectify the situation with the doctors office and they would not even accept a {$50.00} payment from me to try and pay off my bill with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 am a XXXX  posted in USA for three years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries?

Portion of my credit score is also including student loan and mortgage loan but i am not a US citizen  and never took these loans.

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX of this year I legally changed my name. And name only everyone I have talked to including social security tells me my credit history is tied to social security number not my name. When I provided experian with my legal name documents they wiped out my credit history and score. I called them and they told me they dont move information from a old name to a new name they claim that credit info is not attached to the social security number. They said that I would have to have my creditors send them my history. Well a couple problems with that is most of its under my old name or the creditors claim they have no way of doing that. I spent allow of money and effort cleaning up and rebuilding my credit and they just erased it like a clerical error. 

My former name : XXXX XXXX XXXX My new name : 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 2021-06-24
Company: Experian Information Solutions Inc.
State: AL
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:
Since XX/XX/21 I have been filing a complaint against you to remove an account that is in violation of the Law, and they have yet to remove the item " DEPT OF VETERANS AFFAI  Account Number : XXXX '' off my report. Because of this violation, I have been denied access to credit for my business endeavors which is causing economic damages also causing an alleged loss of opportunity. It is causing me and my family to go through turmoil and is also causing friction in the family. There have been emotional distress and I don't know what else to do about the situation other than to get legal advice. You have negligently and willfully obtained my information without a permissible purpose. You have also violated my privacy and have caused defamation from this reported information that should not be furnished. The furnisher stated that your reporting is in error. You have not been doing a proper investigation and this is not acceptable by law. Stop saying this isn't authorized to buy time. Please do what you suppose to do according to FCRA laws.

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 2021-06-23
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX at approximately XXXX EST, I contacted Equafax 's Fraud Department. I spoke to an agent by the name of XXXX ( agent ID XXXX or XXXX ). I let her know that I was calling regarding a transaction I did not recognize on my report by XXXX from XX/XX/XXXX. She told me that she was not able to remove the account. I let her know that I am very well aware of the laws of the CFPB and FCRA regarding removing inquiries that are unknown/unrecognizable. She proceeded to tell me she would not remove it and that XXXX had to remove it. I let her know that I spoke to agents at XXXX and XXXX and that they gave me no issues after they understood my complete knowledge of my rights. She refused to put in a dispute and I was not going to go back and forth with someone who doesn't understand the laws that are part of their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio has not provided proof of the alleged debt nor a contact bearing my signature on the original contract of agreement with this company. I do not owe any debts to this company. This company is reporting inaccurate and unverifiable information to the credit bureaus with account number XXXX, XX/XX/2016. for {$930.00}. i have investigated recent history on this erroneous company which proves this debt collection company to report and collect on inaccurate debts. I am demanding Portfolio to stop all collection attempts and delete this erroneous debt from my credit report immediately or i will have to take legal action. 

Portfolio Recovery Associates illegally attempted to collect debt that they knew, or should have known, may have been inaccurate or unenforceable. Specifically, the CFPB found that the companies : Attempted to collect on unsubstantiated or inaccurate debt : Portfolio Recovery Associates stated incorrect balances, interest rates, and payment due dates in attempting to collect debts from consumers. The companies purchased large portfolios of consumer debt with balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. The companies continued purchasing from these sellers and then collecting on that debt without first conducting any investigation to determine whether the debts were accurate and enforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'd like you to remove some information from my credit report because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.

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 2021-06-23
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have opened a Binance-US account to buy crypto currency. For unexplained reasons I have not been able to withdraw either XXXX currency or transfer my coins to a wallet for months. I keep getting an error " withdrawals suspended due to risk mitigation. '' I have emailed them on numerous times. I have tweeted them and tried to contact them on XXXX. There is no response. If you go to the r/BinanceUS or r/binance on XXXX you will see XXXX of complaints. No one is able to get through to these people. There is no phone number. If you email more than once they indicate they will push you to the back of their queue. This is concerning. I have tens of thousands and if cryptos go up in price I could be out hundreds of thousands. My current balance as I write this email is XXXX but this was as high as {$40000.00} when prices were higher. I can't withdraw my money. Also, they filled a limit order at market price, forcing me to buy XXXX token at {$46.00} instead of {$30.00}. XXXX token is trading at {$29.00} today. I think they are a scam service and they are ripping people out of thousands and thousands of dollars. I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SOUTHSTATE 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: Account status incorrect

Complaint:
My husband XXXX and I have a loan with South State Bank that matured in XX/XX/2021. While we were in the process of refinancing the loan, the bank reported our account as delinquent to the credit bureaus even though we continued to make our regular payments. 

Then on XX/XX/XXXX the credit bureaus XXXX, XXXX XXXX, and XXXX  reported the account as 30 days delinquent thus triggering a 40 point drop in my credit score and causing other creditors to take negative actions against me. As a result, XXXX has reduced my credit limit to the current balance. 

On XX/XX/XXXX, South State Bank sent us a letter stating the delinquency was reported in error and that they notified the credit bureaus to remove the delinquency. 

However, it's been over 2 weeks and the delinquency is still being reported and nothing has been corrected. 

This delinquency IS AN ADMITTED SOUTH STATE BANK REPORTING ERROR, why isn't the report corrected immediately? We the customer did nothing wrong except choose to give South State Bank our business. South State has been reporting incorrectly for over 5 weeks. What is the consequence to South State Bank? Someone should be held accountable for this egregious incompetence. 

Who will be held accountable for all the unwarranted negative effects we have to suffer through? How will our credit report, credit score, and credit lines get restored and WHY is it taking so long to correct an admitted error?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had an old XXXX XXXX XXXX  which I used once this year in XXXX for {$36.00}, which I immediately paid off. Then in XXXX got a statement from old navy/barclays saying I owed $ XXXX and I immediately called and told them I hadnt used my card since XXXX and reported the usage over summer as fraudulent and asked they close my account. They said they closed it and reported the transactions as fraud. I had this same conversation about 8 times and kept getting called daily by Barclays, they insisted there were notes on the account and it was reported as fraud and closed. Then I got notification from the credit bureau that my account was in collections cause of Barclays. I called Barclays, they apologized and said that the previous people hadnt marked the transactions as fraudulent and that she was going to do it and send me a letter regarding the investigation. I got the letter, then my credit score went back up a little bit but not fully. I called again and was told that my balance was XXXX and not to worry cause the fraud was under investigation and it would be reported to the credit bureau as fraudulent. Now I went to apply for a home loan to buy a home and was denied because of this on my account, and speaking with XXXX they say Barclays did not accept the fraudulent report and lied to me, about 7 times.

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
I am a tax ID holder, and I do have credit established here in the US, 1. Experian : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to Transunion or XXXX. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, Transunion and XXXX  about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. 

2.Transunion : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. 

3. XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. 

4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.

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 2023-08-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation