BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: Credit Karma, LLC
State: TX
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:
My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. Credit Karma also has an account with another person on it. I did call and got things fixed with XXXX but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
Wells Fargo sent me a new credit card in the mail. The new credit card was never delivered to me. Someone else received my credit card, activated it, and used it at three different XXXXXXXX XXXX XXXX locations. Wells Fargo is denying my claim and making me pay the bill for someone else 's crime. I have a police report supporting my claim.

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 2022-07-10
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency by the name of credit control corporation listed on my credit report is fraudulently seeking multiple amounts and accounts under the same name, amount and date. I disputed it and got it taken off of one of the credit bureaus which was XXXX but not XXXX. I tried to reach out to the company on XX/XX/2022 to no avail. I received no response. They have hurt my credit substantially by submitting so many hard inquiries and claiming at least seven accounts again with the same amount from the same day and time which is illegal and completely unethical and should not be allowed. XXXX came back after I filed a dispute in their favor which means that they did not really look into it because it's clear just buy a glance that's something can not be right with the same account with the amount and date all the same being filed. The account originates from what I believe was my miscarriage due to the date however, they have not sent me anything with their name on it so I can not be for certain. Not only did they lie once when they knowingly filed all these hard inquiries on my credit on the same day and time which was the same account but when I disputed it with transunion, they came back yet a second time and said it was accurate. This can be devastating for some people as we need to have credit to be able to get housing, travel and many other things. I have never had to file a complaint against the company before so I am not so quick to do so but this is completely wrong and I feel helpless. Please help and thank you for having this service in place for people with no voice like myself fighting against big companies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The credit agency did not properly investigate my dispute with the collection agency. 

They claim to have contacted the collection agency and complete the investigation within five ours of my online dispute.

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 2021-06-04
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a perfect credit rating and have never been late on payments to any lender or any supplier. I started the search to refinance the mortgage on my home back in XXXX of last year, requesting approximately 30 % LTV. 

I contacted the Union Bank representative on XX/XX/2020. I spoke with XXXX XXXX who started a file for me and requested a large number of documents from banks and LLCs that provide my source of income. He also collected several XXXX dollars as processing fee. Over the course of the next 10 months, the bank continued to tell me that they are working on my loan. In the meantime, I had to refresh/update my bank and LLC financial documents a total of 4 times. They also asked me to bring a large amount of money to the bank ( about 1/2 the amount of the loan ) and I was forced to liquidate an asset to come up with that amount. Hundreds of emails later, I had no promise of a loan, and I have lost the opportunity to lock in the low rate that was available last year and Union Bank had promised. 

Finally, this week, close to 10 months later, I gave up trying! 

This has been a disappointing and time consuming process which will affect me financially, especially because the rates that were available last year are no longer available anywhere. 

Union Bank is not interested in lending. If they did, I would be their ideal borrower with great credit, steady income and with 30 % LTV. They should not wasting people 's time and should not be permitted to stay in the business of lending.

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 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
We fileXXXX XXXX XXXX XXXX on XX/XX/2022. We notified Experian of a XXXX account currently showing open that should be reporting as closed, zero balance and included in the XXXX. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate Experian.

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 2019-09-03
Company: GOLDMAN SACHS BANK USA
State: NC
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:
Goldman Sachs declined my XXXX XXXX application based on " You have recently been past due '' using XXXX  as the credit report. XXXX says there are zero recent past due accounts. Goldman Sachs says XXXX reports recent past due accounts to them. Goldman Sachs refuses to tell me what the past due accounts are. XXXX  says there are none and therefore I can not dispute anything. My score on the decline letter is XXXX. I am appealing to the CFPB because I have no way to dispute " recent past due '' accounts that do not exist. Note that Goldman Sachs blames XXXX and XXXX blames Goldman  Sachs. Numerous calls to both, recorded by them, have failed resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. tracking number for USPS is XXXX XXXX XXXX. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXXXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX )

Company response to consumer: In progress
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: UT
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:
1. My loan is fraudulent 2.they do not have original mpn 3. it does not have my signature 4. I have filed complaint with DOE and FTC 5. College had me sign a contract under false pretenses they told me my credits where able to transfer when they werent. Its been under investigation for over a year still damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: SYNCHRONY FINANCIAL
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:
There are two hard inquiries on my report from synchrony bank. 

SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXXXXXX  SYNCHRONY FINANCIAL Inquiry : XXXX XXXX, XXXX  Both of these should have been a soft pull for pre-qualify for an account. And the hard pull would be if I accepted the offer. That is not the case.

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 2019-11-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My complaint is with Toyota Financial Services ( TFS ) for  erroneously withdrawing {$510.00} on XX/XX/2019 from my XXXX XXXX  checking account. I used to have an auto loan with TFS, which was paid off last month on XX/XX/2019. During the term of the loan, the monthly payment of {$51000.00} was withdrawn by TFS from my said checking account, called autopay. After the loan was paid off, TFS sent me a letter of satisfaction of the loan ( attached ), stating among other things, that the online bill payment or autopay will be cancelled and a California DMV ownership title to the car will be sent to me. 

I have received the California DMV ownership title on XX/XX/2019 ( proof of full payment of the loan ) and TFS confirmed that the autopay would now end. 

However, as mentioned above, the autopay did not end and TFS continued withdrawing {$510.00} from my bank account. Because of this withdrawal, my checking account on XX/XX/2019 was overdrawn and caused a negative balance of {$230.00} ( attached ). As a result, I incurred the following several fees and charges by my various financial institutions : 1 ) an overdraft fee of {$33.00} by XXXX XXXX ( attached ) 2 ) non-sufficient funds fees of {$74.00} ( 2 x {$37.00} ) for two returned checks that were not paid because of the overdraft 3 ) a late fee of {$28.00} on a credit card account which was not paid on time because of the overdraft 4 ) interest charges for late payment on credit card accounts ( awaiting statements ) I called up TFS about this issue but they asked me to ask XXXX XXXX  to reverse the {$510.00} and the overdraft fee of {$33.00} and to collect from TFS. XXXX XXXX  refused to reverse the charges because they did not cause the error, it was caused by TFS and XXXX XXXX  said that they might have a problem collecting from TFS. 

Address of TFS and my account number with them are in the attached documents. 

Thank you for your attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The information shared is incorrect. This is a is a violation of my privacy by selling and reporting my personal and private information to any third party. 

In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy. Section 604 of the Fair Credit Reporting Act No consumer reporting agency may furnish a consumer report to any person unless the consumer has authorized the disclosure of the report in a writing that is specific, informed, and easily revocable. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

I have written them to remove this inaccurate account and they have not.

Company response to consumer: In progress
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00}

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my persistent efforts to correct my Credit File, the disputed accounts and information continue to be reported, which has been disappointing. I have sent dispute letters and ID theft reports to the Credit Bureaus, and I have also submitted CFPB complaints, but these have been ignored. The Credit Bureaus ' failure to comply with the Fair Credit Reporting Act section 605b is a violation of my rights as a consumer. They claim the disputed information is verified, but they have not provided me with proof. I am informing the Credit Bureaus that I will be working with legal counsel to file a lawsuit if the disputed accounts and information are not removed within the time frame allowed by law. I want to avoid any trouble, and I kindly request that the following items be removed from my Credit File. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$65000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-10-09
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a reward credit card from XXXX. The amount was {$10.00}. The expiration date on the card is XX/XX/XXXX. I didnt use the card for a year and when I tried to use it the card was denied because it didnt have a balance. When I called XXXX XXXX Reloadable Card # XXXX also registered in NY by the name of InComm Financial Services, they informed me that they have f charged me {$10.00} because I had not used the card although the expiration date is XX/XX/XXXX. I have the original reward letter from XXXX and nowhere on the letter or on the card does it state there are fees if you dont use the card before the expiration date. I realize {$10.00} is a small amount but this practice should not be allowed to continue. A card is valid until it expires like any other contractual agreement. One should not be penalized while a contract is still valid. I want my {$10.00} returned and further this is an example of extraordinary extortion by a credit card issuer which apparently they feel they can arbitrarily enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
Despite my persistent efforts to correct my Credit File, the disputed accounts and information continue to be reported, which has been disappointing. I have sent dispute letters and ID theft reports to the Credit Bureaus, and I have also submitted CFPB complaints, but these have been ignored. The Credit Bureaus ' failure to comply with the Fair Credit Reporting Act section 605b is a violation of my rights as a consumer. They claim the disputed information is verified, but they have not provided me with proof. I am informing the Credit Bureaus that I will be working with legal counsel to file a lawsuit if the disputed accounts and information are not removed within the time frame allowed by law. I want to avoid any trouble, and I kindly request that the following items be removed from my Credit File. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$65000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX 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 response to consumer: Closed with explanation