BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NJ
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'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 non-monetary relief
Consumer complaint received 2021-06-17
Company: Credit Wise Recovery Solution LLC
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: Account information incorrect

Complaint:
XXXX XXXX denies my request for XXXX XXXX XXXX card because it inaccurately report wrong score status t o get card. XXXX XXXX CREDIT WISE SAYS I MUST HAVE FAIR CREDIT. XXXX XXXX WISE REPORTS I HAVE FAIR CREDIT BUT STILL DENIES MY REQUEST SAYING I HAVE POOR CREDIT AND I DONT. This request has the documents from credit wise by XXXX XXXX which states I have fair credit but I was still denied

Company response to consumer: Untimely response
Consumer complaint received 2021-07-19
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:
XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.

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 2020-09-04
Company: United We Collect, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
UNITED WE COLLECT INC Account number XXXX Recent balance {$2300.00} as of XX/XX/2020 is reporting a collecting that is erroneous, I don't recognize. I contacted United we collect on several occasion to request validation of this account and to request removal of this account because I do not recognize it and original creditor XXXX XXXX XXXX  was already paid by my insurance company. Instead of complying or responding to my letters United We collect is not aggressivly attempting to collect debt for the balance I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
I have multiple private students loans with Sallie Mae. I am a mother of XXXX teen kids and pay {$550.00} a month to Sallie Mae, and {$360.00} a month to XXXX. 

I have tried to work with Sallie Mae but they are not willing to see I can not afford {$550.00} a month. 

I also filed XXXX about 5 years ago and recently Sallie Mae XXXX some of the loans with them, but could not explain why they all were not being XXXX. They refused to discuss the matter and told me they just didn't know. 

I feel if XXXX loan qualifies to be XXXX with them then they all should, or at the very minimum explain how they came to that decision. 

I am a XXXX and worked all through COVID and have not missed a payment. This is becoming more difficult as I can not refi to a lower interest rate because of BKO XXXX yrs ago. I was forced to file BKO as a result of a divorce

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
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: Personal information incorrect

Complaint:
I have addresses and phone numbers in my credit report that are not valid and correct. I have attached a letter that details my valid current information to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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:
This is my XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
2 individual claims with Wells Fargo have been filed : # XXXX for XXXX and the other is # XXXX for XXXX. 

We filed these claims in XXXX and have gotten the runaround from Wells Fargo ever since. 

These two checks ( # XXXX and # XXXX respectively ) were stolen from our mailbox and fraudulently deposited into the perpetrators bank account via an ATM deposit. The bank that cashed the check caught the error and reached out to Wells for resolution. Wells will not give us any information as to what bank this is as we have requested that info so that we can follow up ourselves. 

I have not been able to speak to a live person with any kind of authority to resolve the issue. All calls are routed through a call center and they are basically powerless. The just keep repeating " we have 90 to 120 days to resolve this ''. 

As the consumer and XXXX XXXX XXXX we are hard pressed to float a loan to Wells Fargo for 120 days while they figure out their mess. This should be resolved between the 2 banks while Wells Fargo reimburses us for their error. Instead they are making us - the " little guy '' experience financial hardship. We just want our money back so that we can keep our small business afloat

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 2021-08-01
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2021, I had become a victim of Identity Theft. I learned that 4 accounts ( 2 savings and 2 checking accounts ) had been opened in my name via XXXX XXXX. Working with the FTC and XXXX XXXX, those accounts were deemed to be fraudulent and have since been closed. 

in XX/XX/2021, I have learned that 2 account ( 1 checking and 1 savings ) had been opened in my name via The Huntington National Bank in Ohio. I called and spoke to a customer rep and they stated someone would be calling me to speak with me within 24-48 hours. I did not hear from anyone so I called again. The gentlemen I spoke to stated that the accounts were in the process of being closed. The following day, I received a letter that shows the accounts are still open.

I do have a credit freeze and fraud alert on my credit to help this from happening again, XX/XX/2021 I send 2 letters for each account with my statement via the FTC asking those accounts be closed as they are fraudulent. 

XX/XX/2021, I still have yet to hear from anyone from Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is the XXXX complaint against Bank of America. I do not have an account with Bank of America and this is part of identity theft. It is unfair for my credit to be ruined based on this. Please update ASAP. 

Best, 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 2022-04-15
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:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: HYUNDAI CAPITAL AMERICA
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 am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved

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 2023-11-02
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I engaged with Transformers for an emergency loan in the fall of XXXX. I was approved for the loan and then through the process was advised I needed to add a cosigner which I thought was odd being that I had already been approved. I went ahead and added an additional cosigner to the account since it was an emergency need for funds. 

Since engaging with transform credit, I have requested access to the initial agreement to review since I noticed billing issues and double charges for interest most recently in XXXX after being ahead in payments charged over 60 % in interest charges which is outside the original interest rate. 

I requested a copy of the agreement in XX/XX/XXXX, the agreement that was sent to me was not for my account but for a separate account that I did not authorize. As a result, I put a fraud alert on my social security number and contacted customer service that I did not have any additional loan and requested a copy of my specific loan, which I never received. 

As a result of unforeseen hardship occurring in XX/XX/XXXX, my financial situation changed. In XXXX, I hired a debt management company that has a POA and is legal representation over the debt to negotiate the account to resolve the debt as quickly as possible in lieu of filing for bankruptcy. 

I informed transform credit that I had legal representation and had to join a debt management company. I requested them to work with the attorney from the debt management company to get the account resolved as soon as possible. I also put them on notice that they needed to cease all automatic payment attempts and that they needed to work with the debt management company for payment matters. I also noticed transform credit that they needed to cease contact with the co-signer and me and communicate only with the attorney. 

Transform credit personnel proceeded to e-mail me multiple times and the cosigner threatening litigation, threatening damage to the credit report, threatening to garnish or place lien on assets and more. In addition, sent additional communications that the account would be autopay even after being notified to cease any automatic withdrawals and payments and work directly with the attorney. 

I have attached all relevant documents and screen captures of behavior. I'm deeply concerned about XXXX credit 's stance and what appears to be violations of federal regulations and statutes when I've engaged to trying to have a positive resolution on both sides of the aisle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2021 I sent a letter to Experian and XXXX  requesting for further review as to why the US DEPT OF ED still reporting payment history on a " Charged off Account '' the section that shows late payments and CO should in fact be removed per the FCRA and FTC.

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 2022-01-06
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 sent Transunion an Identity theft affidavit and they have no removed the inquires from my report. Under federal law, Transunion has thirty ( 30 ) days to complete your investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). It's been almost 3 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is request a root cause analysis ( RCA ) on why my original compliant XXXX took over 100 days to resolve and caused me to get legal representation before Chase would acknowledge that I was right and return my funds. Chases internal processes, procedures & people were incorrect and were requiring me to produce documentation that the courts said was unnecessary, not legal and would not produce. My legal council did not produce any documents that I had not already provided other than the explanation letter on why Chase was legally wrong for holding my funds. I as an individual tried to resolve the matter without legal representation and Chase would not help me, they were very dismissive and even made the comments that my funds would be given to the government after a period of time if I did not produce the documents the courts would not produce. After getting legal counsel, Chase acknowledged that all correct documentation was received and Chase still took 40 days to return my funds. This internal issue caused me to not have access to {$20000.00} for over six months and thousands of dollars in legal fees to give me back was rightfully mine from the start. I am fortunate that I had the funds to protect myself from this Bully bank but how are these incorrect processes, procedures & people impacting others who are not as fortunate to have the resources to protect themselves from this Bank? I can only imagine the amount of funds Chase is holding of other people. I want a RCA on my case with known corrective actions and for Chase to reimburse my legal fees and pay me 6 % compounded interest that I lost due to their inadequate process, procedures & people. How are we going to hold this big Bully bank accountable if there is no consequences to their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo talk me into getting a credit card utilizing my own money they told me if I put up {$600.00} of my own money keep it in there 4 a year only get gas with the card at the end of the year they would give me my {$600.00} back and I will obtain the credit that's what I did at the end of the year they gave me my {$600.00} back couple of months later I received a statement in the mail saying I owe them {$600.00} I'm like what is going on that's not what you told me so now they have put that on my credit report I talked with him on numerous occasions they was sorry for the mistake that should have not happened to me they were going to take it off but unfortunately it's still on there and that's on my credit report and I want it taken off how can I owe them {$600.00} when it was my own money and they turn around and gave my money back to me at the end of the year like they said they told me they were going to close it out and they were going to fix it but it's still showing up on my credit report XXXX showing up that I owe them so they never did take her the problem like they said they were going to do and it's been over 3 4 years ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}

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