BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wells Fargo cashed a check in 2017 and didn't credit by home mortgage with XXXX Bank. The check was over XXXX and causing negative credit reporting.

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 2020-11-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2023-10-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry on my credit report was reported on XX/XX/2023 from XXXX XXXX XXXX which I did not initiate. Furthermore, I received an email from XXXX credit card which stated more information was needed for a credit card application that I did not initiate. I would assume both are connected. On XX/XX/2023 I contacted XXXX as well as Equifax. XXXX from XXXX stated that they were stopping the application process and XXXX from Equifax stated that they were placing a fraud alert on my profile for XXXX XXXX, XXXX, and Equifax for 1 year. XXXX also suggested I report to FTC which redirected me to CFPB to file a report. Please let me know if you need any more information, or if there are any other steps I need to take to prevent any further issues. 

This is not a complaint about XXXX or Equifax. It is simply a report of fraud that involved these companies as well as other credit reporting agencies. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Aura Mortgage Advisors LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX  ), among other names. They were suppose to be helping me from being foreclosure on, by buying my home and selling it back to me. But this was all a scam in the name of XXXX XXXX XXXX, which I had never heard of and wasn't told about. I'm XXXX years old and this is the worse predatory lending scheme that I have ever seen. Nevertheless, they brought my home, that I've lived in all my life and sold it back to me at a rate of 6.375 %. I was told that I could refinance later for a better rate. Well, a few months ago, I attempted to refinance to get a lower rate. But to my surprise I found out that I had to pay XXXX XXXX XXXX $ XXXX in order to refinance my home. They had also put a lien on my property that I wasn't even aware of. I was being held hostage. The longer I stay with them, the more I'll have to pay. They were stealing the equity in my home and I didn't even know it. I have enclosed a copy of my Notice of change Circumstances from XXXX XXXX XXXX, the company that I refinance with. Please help put a stop to this type of Mortgage lending greed by XXXX XXXX XXXX aka XXXX XXXX XXXX, the wolves in sheep clothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have requested my credit report and have found some improper information on my credit report. There have been multiple accounts that have been opened without my consent and knowledge. Unfortunately I am a victim of identity theft and my information have been exposed on a data breach and I am in the process of repairing my profile and getting back on tract financially. This was discovered XX/XX/2023

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 2021-11-10
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2021 I purchased 4 Vanilla Visa gift cards from XXXX. On XX/XX/XXXX, I discovered all the money had been charged off one of the cards by someone else. I immediately called Vanilla Gift Card company to explain the situation. They opened a case and said I would receive an email from them. I never received an email so I called them again the next day. During this call I requested their email address so I could send them a copy of the receipt along with the other items they requested. Shortly after the call I emailed those items to the email address they provided. Since that time, I have repeatedly asked them if they received the items and if they were processing a refund or a new card. I have not received any response. 
They assigned case number XXXX to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received a text message alerting me to a fraudulent charge on my account. I called the bank nd spoke with a customer service representative who cancelled my debit card but said that they could not cancel the charge. The fraudulent charge was XXXX to XXXX- I do not have XXXX. I went to my local branch the next day where they issued me a new debit card and told me that because the charges were " pending '', they couldn't do anything to stop the payment from coming through and that I would have to wait for the charges to clear my account before they could even take a claim for the fraudulent charge. It took until XX/XX/XXXX for the charges to clear my account and then they would issue a " credit '' to my account for the amount in question, during which the bank charged me an overdraft fee - granted, they did credit the {$35.00} back to me, but I shouldn't have been charged any overdraft fees to begin with as I had already verified that the {$490.00} was a fraudulent charge. Today, XX/XX/XXXX, I went back to my local branch and they said that they would file the claim and then proceeded to tell me that I would receive a credit to my account within 5-7 business days for the {$490.00} - so they let someone steal 95 % of my paycheck and allowed my account to go into the negative despite my requests for service AND I still don't have MY money - money that I earned and that they were supposed to keep safe. I am not asking for anything but the money that I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: TriPoint Lending, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I enter into a XXXX XXXX XXXX with Alleviate Financial Solutions on XX/XX/XXXX. XXXX credit accounts. Made payments of {$480.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and {$520.00} on XX/XX/XXXX, total of {$1900.00}. On XX/XX/XXXX XXXX contacted XXXX & XXXX for a settlement of one my creditors, XXXX XXXX ; which was agree by me for about {$3900.00}. from the original amount of a {$8000.00} ; which was the highest of all my debts, for payments of {$160.00}. for 24 months and a payment was made of {$160.00} in XX/XX/XXXX. To my surprise I checked my Portal to see my balance and it was on XXXX. So I almost had nervous breakdown to know that {$1800.00} had all gone on fees. I have contacted other Debt Resolution Companies and they tell me that the fees are actually divided into monthly smaller payment and those are included in the monthly amounts that I send every month. Allviate Financial Solutions are service by a financial institution by the name of XXXX, XXXX. To make a longer story short, the matter of the situation is that charge me all that money in one instant ; and I am very disturb that I was so angry and called and cancel my debt resolution program. By the way, I think they picked the highest one creditor so they count deduct the highest fee. Made several calls and always was someone different ( case mananger ). Tel # XXXX ext XXXX. My account should be XXXX. I am a XXXX yrs old XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX XXXX, and woul like to see justice done. Thank very much for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: FL
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:
Account name : XXXX ( XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-06
Company: T.S. Holdings
State: NY
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:
There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is XXXX from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the XXXX XXXX a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-03-16
Company: EQUIFAX, INC.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation of debt letter in the mail on XX/XX/2021 and have not received the info I requested within the 30 day period I stated in my letter, I am asking you to remove / delete this debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 I went to an atm in my banks network, ATM Terminal XXXX at XXXX to withdraw {$400.00} and the atm did not dispense the money. However, it did take the money out of my account. I called my bank and was told to get ahold of the number that was on the atm. I called the XXXX XXXX number located on the machine and was told that I needed to call my bank again to file a dispute. I called my bank once again to file a dispute and a few days later, the dispute was denied because they found no fault and that I had received the money, when I in fact, had not received it. I have since filed 6 rebuttals on the denied dispute claim in order to receive my money and have not been successful. I have also gotten ahold of the bank who owns that atm, to have a work order put in to review the cameras and what not, but have still not been successful. It has now been an entire month since this has happened and I still have not seen my {$400.00}. This has put a damper on my bill paying schedule and am getting very frustrated with the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this account. I asked that it may be removed. 

XXXX XXXX XXXX date : XX/XX/2022 I have no knowledge of this inquiry. I disputed it and asked that it be removed, XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this and asked that it may be removed. 

XXXX XXXX Bank. 
Inquiry date : XX/XX/2022 I disputed it and have no knowledge, I ask that it be remove from my credit report. 

XXXX Credit File : Capital One Bank Inquiry Date : XXXX XX/XX/2022 I have no knowledge of this inquiry and asked that it may be removed from my credit report. 

Capital One Account : XXXX XXXX XXXX Late payments Actions taking : writing goodwill letters that I was strongly impacted by the coronavirus. I lost my job. And was also hospitalized. I offered medical records. 
L

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an open account with TD Auto Finance and make a monthly minimum payment of around {$360.00}. Lately all my payments have been on time however there was a time where i made frequent late payments due to financial hardships caused by medical health issues. Im just now starting to get over these medical issues and am looking forward to rebuilding my life and credit report with on time payments, responsibility, and good will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want the company to remove the fraudulent inquiries in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EdFinancial Services
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During the process of American express closing my Gold Card I was never briefed on the possibility of downgrading to a non annual fee product for which they proceed on closing the account because I did not wanted to pay the annual fee and again, never gave me the chance to keep the account open by downgrading the account. It is very unfair that I now a close account in my credit score when the company never properly educated me on all the options I had. I called twice to properly work out a solution and both time they said after being on the phone for 1 hour, that they would reach back and have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to get a credit limit increase on one of my credit cards today XX/XX/2020 but when they ran my credit, I was told that I was not eligible for a credit limit increase at this time due to an account in negative standing appearing on my credit report. I looked at the credit report that they pulled and I saw an account from a company called XXXX XXXX XXXX XXXX. This account is not mine and I did not allow anyone to open it in my name using any of my personal information. I do not have any written or verbal contract with that company and I never allowed them to run or access my credit information. I did not benefit anything as a result of this accounts being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account balance. I filed a complaint with the CFPB as well as a police report regarding this suspicious account.

Company response to consumer: Closed with explanation