BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Bread Financial Holdings, Inc.
State: IL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MD
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 submitted a letter to the Equifax and XXXX Credit Bureaus last XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

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 2023-06-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to inquire about the lawsuit settlement that Wells Fargo agreed, I had a home mortgage with them starting in XXXX and due to financial difficulties, we had trouble paying our mortgage. Wells Fargo never offered a home modification loan and I only learned of a process or what a home modification loan was from another case that was in the newspaper. I then went to Wells Fargo to request the ability to complete a home modification. We did all the paperwork, sent it in only for Wells Fargo to have " lost '' it. We did it three times- with the third paperwork reaching them successfully only for them to deny us immediately after receiving our paperwork and offering no other options.

Prior to this I attempted to set up payments to be made to catch up the mortgage. They stated accepted the payment arrangements and when I asked if we were in danger of foreclosure, we were told no. Three days later someone came to our door and served us with foreclosure paperwork. 
My Spouse filed XXXX  XXXX to stop the foreclosure and allow us to attempt to rectify the situation and we started paying the mortgage again ; however, the large amount we had to pay out his check for the XXXX  XXXX was difficult to manage and he had to convert to XXXX  XXXX, so we could keep our house and other debt was taken care of in order to do so. But Wells Fargo started the foreclosure process again and we requested another home modification. Again denied. They had also told us that any day they would take possession of the home and everything in it as well and we would not be able to get in the home to get our items at that point. This was XXXX and we secured other residence just in case that happened as we had XXXX small children then. we went daily to the house, kept up the yard and paid the utilities. My spouse stayed there overnight. we went overnight somewhere and when we returned our home had been broken into and all the copper piping was stolen. I filed a claim to make the repairs however the check went to Wells Fargo and I had to fight them to get the repairs done. They eventually released the check, and the repairs were completed. I did seek out a lawyer, but Wells Fargo had gone way ahead on the foreclosure process. In the end they sold our house to auction, and the house was sold. To this day Wells Fargo never notified us of the sale of the house, or how much it sold for, I had learned about our house being sold on social media, because I knew the person who bought it. 
we have moved and if anything was mailed to us we would not receive it as they do not have our new address. It is way past the time frame for having mail forward. Could someone please verify if we would be a claimant on the lawsuit. I called Wells Fargo and the representative stated she knew nothing about the suit. 

Thank You

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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been dealing with Transunion, XXXX and XXXX of a medical bill that has been paid but still remains on my credit, I have sent them documentation only to be told that it would remain on account, this item needs to be removed immediately from all three of my credit report, there is a o balance paid in full

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 2018-12-14
Company: Experian Information Solutions Inc.
State: MA
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:
I am a XXXX XXXX  customer from last 2 year and holding cash back credit card with XXXX. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with XXXX. In last few months I applied for few credit card and all got rejected. While checking with XXXX XXXX, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX  it doesnt show my credit report. I am quiet frustrated with XXXX at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.

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 2022-05-25
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I filed chapter XXXX bankruptcy XX/XX/2022. Purchased my vehicle XX/XX/2022, thru Westlake financial ..information has been reported and is lowering my score that this is a chapter XXXX account in remarks... this account has not been and was never in a chapter XXXX as purchased after the fact ..this information reported also shows car is paid off and it is not

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 2018-05-15
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified consultants is reporting a collection account to all three credit reporting agencies. I have never had an account with diversified consultants. In the notes for the account it says that I had an account with XXXX. I do not owe XXXX or diversified consultants anything. I have not had any service with XXXX since XX/XX/XXXX. Diversified Consultants in reporting the debt is as new as XX/XX/XXXX, which is wildly inaccurate for two reasons : I do not owe XXXX or Diversified Consultants any money and I have not had an account with XXXX for almost a decade. This seems like a shady practice to collect debts that are not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX, Transunion and XXXX XXXX XXXX, XXXX XXXX bank, XXXX XXXX Bank and XXXX XXXX have an failed to re-investigate my complaint in regards to all the incorrect errors, hard inquiries, and fail to report all payments made to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several contacts to request proof the debt belongs to me. I keep getting bills for a debt that I do not recognize and have requested any documents, signatures or evidence this debt belongs to me. Financial Corporation has refused to comply. 

Disputed this debt on XX/XX/XXXX. Financial Corporation has failed to provide proof of debt with 30 days. Financial Corporation responded with a letter that appears to look possible fraudulent or not a official statement with some medical coding that does not seem to comply under HIPPA regulations. This letter is dated for XX/XX/XXXX. This is almost four months after the 30 day period to provide verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2019-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called USAA today XX/XX/ to dispute a banking transaction. The bank refused to allow me to dispute the transaction because the payment, which cleared yesterday, was moved to a pending status. Bank would not file dispute for the transaction or provisionally credit my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: SC
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want you to send me the name and address of the original creditor? An illegal sign document with my signature. With the last billing statement and any fees that may have been added. And where did yall come up with this amount and how did yall come up with this amount. Only communicate with me only for this purpose do not call my phone & stop harassing me emails only.

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 2023-06-21
Company: EQUIFAX, INC.
State: TX
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:
I sent out over {$200.00} dollars of Certified letters via mail to All 3 Credit Bureaus on XX/XX/2023. With disputes letters along with copies of my identifications to verify who I was. I asked that all XXXX credit bureaus send me an updated copy of my credit report once the corrections were made/fix/resolved. But all 3 credit bureaus didn't fix or resolve the disputes or send a corrected/updated credit report. In fact the disputes I sent to them are still reflected on my account as I type this complaint on XX/XX/2023. Which has given the company 4 months of opportunity to resolved my disputes. But they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Not sure if I am in the right place. I have an issue with my bank and XXXX. I was scammed on a site I was selling an item. I had never used XXXX. I got a legitimate looking email that said the buyer had to send more money to me to make it a business account. So they said they sent me payment for the item they wanted and {$200.00} extra. Then I had to refund them back the {$200.00} so I did, then another email came from XXXX and they said they accidentally sent an extra {$200.00} so I owed these people {$200.00} more. I didnt receive my money for my item for sale so I went to my bank and they said I was scammed. They looked into it and today got a notice they couldnt retrieve my money so I am out {$400.00}. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
-USAA Banking : inquiry/ investigation and no action -XXXX : no action taken -FBI cyber crimes complaint XXXX no action taken XXXX XXXXXXXX XXXX : XXXX transaction - {$1000.00} : dollar amount from fraudulent scam transaction authorized by buyer I initiated a XXXX fraud/ scam complaint with my bank, USAA on XX/XX/2022 XXXX My bank informed me on XX/XX/2022 that I would not receive a refund credit to my savings account because the XXXX transaction I had authorized to a scam seller/ service provider is not Federally insured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called Wells Fargo Bank to report fraud about my account ( there are XXXX unauthorized charges that I did not make with the amount {$15000.00} USD ). They asked me so many questions and they said they cant verify my identification. I have to skip my work and go straight to the branch for XXXX hours .I bring my ID and everything they require. They told me they will call me back and the money will be back in my account from XXXX days. 
Its been a week already but I did receive any money back. 
They did not call me. They did not mail me anything. And they even blocked my online login account. 
Thats all my money to buy my new car but the bank dont want help me. 
I need some help please! I am so stressful. 
My english not too good I have to use google translate to write this for all night long. I hope someone here can help me please!

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 2023-06-29
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-03-20
Company: Upgrade, Inc.
State: MA
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:
The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b - Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Incomm Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a Vanilla Visa Gift Card- before I could use it, the card was compromised- I've called the number in the back of the card- XXXX they keep telling me that they will be sending me a form, via email, their claim form to file a dispute, however, to date I haven't received this form. I phone all the time and still haven't received resolution to the issue. I purchased a Vanilla Visa gift card at XXXX for XXXX in XXXX and would like this to be resolved. According to the back of the card, they are serviced by InComm Financial Services.

Company response to consumer: Closed with explanation