BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
WF CRD SVS. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/2023 and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.

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 2023-12-29
Company: Collection Management Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I received a letter from Credit Management Company that I owed a debt to XXXX XXXX XXXX XXXX XXXX. 

However on XX/XX/2023, I received my monthly statement from XXXX XXXX XXXX XXXX XXXX that my account was current, and gave the current amount due, which was not due until XX/XX/2023. 

I spoke with a representative today, after trying to find an email so I could easily rectify this, but they make it nearly impossible to contact them. After finally speaking with a very rude gentleman, who said they do not make mistakes and I owe them this money, I gave up. 

They didn't want to admit there error, they are nearly impossible to deal with, and my account is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX ACCOUNT XXXX XXXX DATE OF LAST ACTIVITY ARE INCORRECT DATE OPENED ARE INCORRECT DATE CLOSED ARE INCORRECT LAST PAYMENT ARE INCORRECT PAYMENT HISTORY ARE INCORRECT Last but not least, I have contacted XXXX XXXX about the charge off and they have sent me my 1099c ( 2022 tax year ). Since this is recognized as taxable income. This account should not continue to report as debt any longer as well.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX : XXXX REPORT # XXXX Date updated XX/XX/23 Date : XX/XX/23 Experian XXXX XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you comply. 
I received the updated Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

Your were supposed to provide me the results of this reinvestigation requested within 5 business days, but you didnt as a result this item must be remove. 
( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by email. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 20 days and you failed to comply. 

XXXX XXXX 30 days payment late Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, 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 2023-12-11
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX  reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX CHARGED ME {$12000.00} in APR charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has several late payments. It as well should not have any late payments attached to a charge off account because charge accounts are late by default. XXXX XXXX XXXX XXXX XXXX XXXX It states I made a payment in XX/XX/2022 but states in the history you closed the account .. and only after 60 days of being late XXXX XXXX XXXXXXXX This charge off again is illegally reporting late payments against an already charged off account that is late by default. In total it has close to 79 late payments attached to it and continues although the account has been charged off.. I want this late payments updated to pays as agrees. 

I

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 2024-01-27
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute following charges : XX/XX/XXXX : XXXX Payment {$200.00} XX/XX/XXXX : XXXX XXXX, XXXX, XXXX {$210.00} Ally keeps promising to send documentation that supports their decision that these charges are not fraudulent. Documentation/letter received is just a form letter stating that they have found the charges to be valid.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NY
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 am writing to you in regard to a matter of utmost urgency concerning fraudulent accounts and identity theft reflected on my credit report. Upon reviewing my credit report, I have discovered accounts that are the result of identity theft, and I am requesting the immediate removal of these fraudulent entries. 

I want to emphasize that I did not open or authorize these accounts, and I believe I am a victim of identity theft. I am deeply concerned about the potential harm to my financial well-being and creditworthiness, and I am taking immediate steps to rectify this situation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the legitimacy of these accounts and take swift action to remove them from my credit report. I have attached supporting documentation, including a copy of the identity theft report I filed with law enforcement, as well as any additional evidence that may assist in your investigation. 

XXXX XXXX XXXX XXXX  - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand quick corrective action to address the errors that are still damaging my credit score because I am furious that this dispute is not being resolved.

I appreciate your prompt attention to this matter and your commitment to protecting consumers from the serious consequences of identity theft. If there are any additional steps or information required from my end, please do not hesitate to contact me.

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 2024-02-07
Company: LDF Holdings, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
the company called me to try to collect on a XXXX loan that someone applied for. I see there are some soft inquiries on my credit on XX/XX/2024 regarding this inquiry. It was not me. XXXX told me it was a $ XXXX personal loan someone took out using my info. They said they couldnt remove without a police report and want me to do the work to prove it wasn't me, when they should be proving it WAS me... however I have no need for a $ XXXX dollar personal loan. 

I need your help in getting this resolved before it damages my credit. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
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 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 2023-12-06
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today, I noticed my credit was hit. I called up the debt collection agency, Wakefield and Associates ( phone number XXXX ) and they said that XXXX XXXX was collecting a debt for {$2900.00} for an XXXX  visit to XXXX XXXX. I called up the XXXX XXXX billing department ( phone number XXXX - XXXX ) and they looked through their billing system and could not find any bills owed. They transferred me to their physician billing department and they could not find an account with my info in their system. I called back Wakefield and Associates, this time they gave me another source of where the debt was coming from called XXXX XXXX with the account number XXXX. I did a quick XXXX  search of XXXX XXXX and there are many complaints about how a company under that name was trying to collect a debt that was not owed or already paid. I am so frustrated. We should not have any medical debt to begin with. We have been on XXXX  for the last year and should not owe a balance. This debt was specifically for my son who was born with XXXX XXXX and was covered automatically by XXXX from birth anyways. If it helps out, I have my son 's medical insurance and ID number and the phone number to his plan. It is XXXX XXXX, the phone number is XXXX, and his ID number is XXXX. My son passed away last year from this hospital visit and I am just so upset that I am being preyed on for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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. The unauthorized list of accounts reported below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, Original Creditor : XXXX- {$550.00} XXXX XXXX- {$1200.00} XXXX XXXX and XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$130.00} 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 explanation
Consumer complaint received 2024-01-27
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Citibank is not responding to my request for compensation of all of the money I lost due to unfair lending practices as well as my request for contact information and an address to send a certified demand letter. I am requesting compensation because the situation caused me to lose a substantial amount of money. This has prevented me from being able to try to purchase a home. On the last day of escrow on XX/XX/2023, Citibank Mortgage called me in the afternoon to tell me that I did not qualify for their Home Run Loan, which they had initially approved. This occurred at the end of a 45-day escrow and underwriting process. I was assured that I qualified for the loan. They then offered me two more expensive loans. I submitted a complaint in XXXX and Citibank refunded the {$800.00} application fee. However, I was unable to comfortably afford either of the two new loans offered. I was also unable to find a comparable loan to their program. As a result, I had to cancel the contract and I lost the money spent on the inspections, fees, and lost interest of {$1600.00}, as well as part of my earnest money deposit. The loan officer had assured my realtor and I that the loan was approved and would go through on XX/XX/XXXX, so the loan contingency was removed. The seller kept {$3800.00} of the XXXX. The total amount of money I lost due to this unfair lending practice was {$5400.00} in addition to a lot of emotional distress over the loss of that much money. I would not have spent any of this money if they had informed me when I first applied or after the first underwriting that I did not qualify for the Home Run loan program. Citibank responded to my first complaint, but I did not realize that I was able to comment on that response and I missed the window. I am still trying to recover the remainder of the money from Citibank that I lost due to their error or unfair practices. I have requested a name and address to send a certified letter to Citibank, but they have ignored my request emails and have not sent the information that I requested.

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 2024-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
XXXX XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX. 
XXXX, Nc XXXX THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS. 

After taking over our home loan ( Loan # XXXX ) from Countrywide, Bank of America, despite our many communications that : 1. We have a loan modification application pending with Countrywide 2. And that we are dealing with extensive XXXX XXXX XXXX in the house, went ahead and foreclosed on the house and sold it to XXXX. ( see attached foreclosure document ) For years we wondered why BofA ignored the hold on the loan as we were working out a loan modification with Countrywide. We learned recently that the house sold for more than the loan amount - substantially more. 

Bank of America however made sure to use up all the excess amount above the loan balance by tacking on misleading, inaccurate and bogus interests and fees so that there will be no surplus foreclosure funds ( that normally would be returned to the homeowner. ) This complaint is for Bank of America to return to us the excess or surplus foreclosure funds that they illegally appropriated for themselves and " stole '' from us. 

XXXX XXXX XXXX XXXX XXXX  of property at XXXX XXXX XXXX XXXX XXXX AL 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 2024-02-03
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Hi! 

A Company named Barclays Bank, from Delaware, made a hard credit inquiry on my XXXX, and perhaps other as well, credit report. This happened on either XX/XX/XXXX or XX/XX/XXXX. I don't know this company nor I haven't asked for any loan or credit card with them. I am concerned this may be a fraud attempt. I've been forced to waste a lot of time on calls ( called XXXX XXXX XXXX several times with no result ) and emails. 

Parallel to this, on XX/XX/XXXX, ANOTHER company I know nothing about, XXXX XXXX, made another inquiry on my credit score. This one happened at least on XXXX, perhaps other reports as well. Same situation, I haven't asked any financial product there and I am concerned this may be a fraud attempt. In this case I had no information on how to contact them so I haven't written nor called. 

Would appreciate a lot your help on this, finding out what happened, prosecuting these two companies and fixing this information in all three of my credit reports ( at least XXXX XXXX, XXXX ) as these companies are violating my rights and damaging me. Also, if possible, would appreciate some email or evidence supporting that I'm making this claim. 

I only have screenshots of XXXX XXXX  / XXXX  showing this credit inquiries, will provide as needed. 

Thank you so much and kind regards

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 2023-12-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 my Accounts was Hacked from a XXXX Data breach, And some one cleaned out my Business Account and sent an illegal Wire for {$52000.00} was sent from my Business Account at Truist Bank Has put the blame on XXXX XXXX XXXXXXXX and A recall was sent within 1 hr. and a claimed filed with Truist Bank. 

XXXX XXXX XXXXXXXX has had 5 months to investigate this wire as it was recalled on XX/XX/2023 within a fast time to stop funds moving. 

I'm at a lost of getting any help and a respond from anyone. 

I have filed an FBI report as well, I have also filed several suits against XXXX XXXX for Negligence. I am forced to File Bankruptcy Business ' and Personal XXXX XXXX this month. 

Its a shame to have to use any Bank anymore because there is no help, protect and or support to get answers.

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