BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
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: Account information incorrect

Complaint:
My credit shows a collections account for a service that I did authorize or sign for. I sent a certified letter to the collections agency asking them to provide me with any information about the debt because it is not mine. I sent this on XX/XX/XXXX. I have not yet heard anything back from them. I next sent a certified letter to both XXXX and Experian on XX/XX/XXXX with no response. I do not know what else to do. The debt is not mine. Please advise on what next steps I need to take.

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 2019-12-02
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: Account status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX not mine XXXX   XXXX/XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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 did not authorize nor consent to the following inquires being furnished on my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called the account services phone number three times to close my account with Wells Fargo ( Wells Fargo does not allow you to close accounts online, you must call ). The first time I called ( XX/XX/2019 ), the representative told me the system was " down '' and she could not close my account. I was calling to close my account before I incurred the " monthly service fee '' because I had transferred all the funds out of the account. The representative stated that she noted on my account that I had called to close the account but could not due to the system being down, and that I would no incur the monthly service fee. I called back ( XX/XX/2019 ) and explained the previous situation to the representative and proceeded to close the account and refund the monthly service fee. I checked my account on XX/XX/2019 and noticed that it still wasn't closed and the monthly service fee wasn't refunded. I called the account services phone number for a third time and explained how I had called twice previously and the account is still open and the monthly service fee wasn't refunded. The representative was promptly able to close my account without issue this time, but did not refund the monthly service fee. I'm filing a complaint because this feels like a fraudulent practice by Wells Fargo to maintain my account in order to garnish a monthly service fee. This fee is nominal, however, if this is common practice and systematic of Wells Fargo, many consumers are being fraudulently charged.

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 2021-03-08
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I closed on a Home Equity loan and line of credit on XX/XX/19 and the equity loan payed off my credit cards debt. 2 of my credit card payments were with XXXX XXXX. My loan officer told me he was going to pay the cards off and assured no problems. My XXXX XXXX credit cards had two different pay off addresses the first payment was paid in the amount of {$1100.00} and the second payment of {$2600.00} was never applied to my account. I was told that XXXX XXXX misapplied the payment and the payment was returned to my bank back office. I was not aware until a month later what occurred. When the funds was applied back into my account, I immediately made the payment manually to XXXX XXXX. Due to the error of the payment being delayed I received a late payment on my credit report. I have tried for over a year to get this resolved and cant get assistance from XXXX or US Bank. In addition to not processing my payments correctly. I would like like to dispute the closing of my loan. My loan officer did not include my taxes and home owners insurance and I requested it several times. My closing of loan was very confusing, the dates and disclosures kept changing. Had to come in to bank and email several times. I would like to file a company request against my loan officer. I have tried to contact him several times no assistance. Did not know I had to pay taxes until months later when I received bill from insurance company and state tax accessor. I am very dissatisfied with the service I received and feel US bank practiced predatory lending to customers. Can you please assist 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 2021-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called Equifax over 30 times from XX/XX/2020 to the present day. They will not update my credit score nor can any lender pull my Equifax credit history. I call and they say the same thing over and over or they just hang up on me. I've faxed them 10 times and followed their " dispute '' process. Nothing is ever done and it's ruining my life. I can't get any loans or refinance anything and their customer service is a complete joke. Now they sent me a letter telling me I have no credit with them after they mailed me a credit report. No one EVER contacts me back and NO ONE does anything. What a joke of a company. This is my 2nd complaint on them and even last complaint, they said they " mailed '' me a report. They aren't listening to me when I say that no LENDER CAN PULL MY EQUIFAX REPORT.

THEY WON'T ALLOW YOU TO SPEAK TO ANYONE IN THE US THAT CAN HELP EITHER. IT'S ALWAYS AN OFFSHORE AGENT THAT CAN'T DO ANYTHING AND THEY TELL ME TO FAX DISPUTES AND I'VE FAXED THEM 10 TIMES!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-07
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:
The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Equifax. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXXXXXX Date Opened : {$360.00} XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ok let me try this one more time {$1200.00} is missing from my account I got a letter back from my first complaint which was not even correct anyways. Wells Fargo only read what they wanted to read. From XX/XX/XXXX to XX/XX/XXXX I deposited a lot of money cash except XXXX which was a check. I understand why the check for {$1500.00} dollars had a hold on it thats not my complaint. My complaint is when the hold was lifted on XX/XX/XXXX the remaining {$1200.00} was no longer there .i deposited plenty of cash in my account that month I also no I spent a lot of money and I also know what charges came along with it. I dont need the obvious pointed out to me what I need to find out is where did {$1200.00} dollars go between XX/XX/XXXX and XX/XX/XXXX and thats it 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 2020-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Bank of America ( BOA ) to send me my remain amount from the secured card I got from BOA and to close the account due to poor work by bank. The BOA charged me late fees and charged me on interests. The fact was I was only late for the first time in XXXX because Social Security Admin messed up my money. So, for being late for the first time, the BOA automatically suspended my credit card. I deposited my {$8000.00} in the secured card. I wanted to improve my score. But it never happens. BOA accused me for being late a several times. It is a lie. You have the previous report about BOA but u did nothing about it. The BOA did suspend my credit card for being late and demanded me to pay them. They SHOULD NOT suspend my credit card that happened to be my emergency card to get foods and gas. They actually suspended my credit card and refused allowing me using it until I pay them the payment. What the XXXX?! They can just report to credit bureau that I am late and they can even charge me for late of XXXX And that is it. But nope, BOA punished me by suspending my credit card and reporting to credit bureau and late charge fees and interests. BOA did not need to punish me more by suspending my card. And I was NEVER LATE previous and it proved you that I was not late before because they did not suspend my cresit card until recently in early XX/XX/XXXX. They suspended me! The information they have is so accurate! The XX/XX/XXXX does have the access to my bank but they only depends on banks reports to lower my score! It is dirty! Everyone of them are dirty and corrupted! 
Also because they suspended my credit card when it was actually an emergency card, I demanded them to send my remain amounts to me and close BOA account. They did close my account but did not send my remains so they did hope I d forget about it and steals the remains of money from secured card. I called last week to double check and found they did not send me a check of my remain money. I was so mad because I needed the check this last week. I had to wait another 2 weeks for check to get to my place. Tomorrow I am supposed to get my check. They promised I d get it on 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 2020-02-09
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received credit file notification of a collection account in association from XXXX XXXX XXXX in association with XXXX for an account at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had never resided at that address nor had I ever done business with XXXX. I own a home at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX and only XXXX is available in my area. I never received any type of contact in the mail or otherwise about this issue until it was on my credit report. I since disputed this for being a fraudulent account and the account was removed as a result of the dispute. 

Then two months later, I found that now Credence Resource Management that now in XXXX Credence Resource Management has reported a collection for the same amount by XXXX. I also, still have not received a written notification. Information that appears too associated with the said account is the same that has been successfully disputed as fraud. I have mailed a notice and have not heard back but it is again not mine. I am not the only XXXX XXXX, my father and uncle are also XXXX XXXX, though they do not live in XXXX. But there is also a XXXX XXXX of XXXX, WA that is close to XXXX as well. Either way, I have filed an identity theft claim in XX/XX/2019 because of fraudulent accounts and again I reaffirm that this account has nothing to do me, XXXX XXXX XXXX of XXXX XXXX, WA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021 Portfolio Recovery Associates added a collection from XXXX XXXX XXXX XXXX XXXX on my credit account for the amount of {$960.00} I don't know what this is and this doesn't belong to me, this account was not legally validated and I need them to delete this unverified and inaccurate account that is negatively hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A duplicate payment was sent to my Mortgage company. My request for my money to be returned was met after escalation with promises of a call from the Dispute Dept and an Issue Resolution Manager. I got NO calls. I have called them 3 more times. They still have not returned my funds or responded in any way. 

The money was taken on XX/XX/2021. I got a low balance notification the next morning. 
XX/XX/XXXX-Called, given 7-10 day response, refused that resolution, escalation resulted in commitments that the Dispute Department would call me by the next morning and a manager would also call me the next day. 
XXXXCalled Credit card to get remaining points moved to make payment ; the mobile app had moved the first {$500.00} in points before telling me that it would take 2 days to show up in my account. Representative committed that the CC payment would process and show on time. 
XXXXChecked accounts : -No {$1200.00} returned - {$500.00} CC Points gone from card, still not in bank account, Car payment shows paid on the XXXX side and on Bill Pay , not on bank account ... ... CC shows paid but Those points are still on the CC/did not come from bank account????? 
-USAA car insurance autopayment coming this week. 
-Called insurance group asking to drop autopay. Person spent 15 min reviewing this issue and never accomplished anything but dropping my autopay. 

To support my statement that I in no way requested a second payment I will share that I did not need to pay my mortgage this month, it was a mistake. My original forbearance ended in XXXX with payment in XXXX. I set the payment out to XXXX months ago. If I had gone in to do anything with this bill it would have been to cancel the XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: SYNCHRONY FINANCIAL
State: SC
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:
XX/XX/2020 I was approved instantly for a Sams Credit Card. I just received a letter stating because of my credit I did not receive a low interest rate. I called Synchrony Bank on XXXX when I received the letter and said something is wrong because my credit score is almost in the 800s and do not have late payments. There must be a mix up. I told him I was looking at my XXXX and XXXX  report as we speak and he said they use their own credit rating. I explained its still way off and thats not right. He kept laughing and saying goodbye. Every time I tried to speak he spoke over me and would laugh. Then he said we get complaints from everyone saying they dont like our system and hung up on 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 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/ and a balance of {$1600.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my equifax report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 
This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices. I have received multiple emails and calls offering me a settlement amount. i am not interested in this whatsoever. attached is proof of this offer being sent to me for over 7 years.

here are two recent ones i have in my email XXXX XXXX I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,

Company response to consumer: Closed with explanation