BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: WELLS FARGO & COMPANY
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:
I went to the XXXX XXXX in XXXX XXXX at XXXX XXXX, asked to look at mattresses and stated that i did not want my credit ran. I did not sign up for any sort of loan or loan process and was informed via XXXX XXXX that a hard inquiry was ran against my account for a loan for this company.

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 2021-01-16
Company: Sa-Vit Enterprises, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I XXXX XXXX sent Sav-It Ent Inc a validation request to confirm the debt I owe. I received the validation letter and now want to settle this debt. I gave them a call and was told theyll do a pay to delete if paid in full but they refuse to send a letter or email confirming theyll delete. I was told we are not a letter company.

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 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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/2023, approximately XXXX, at the Capital One XXXX in the XXXX XXXX XXXX XXXX XXXX I attempted to deposit cash ( {$2400.00}, in {$100.00} XXXX ) into the ATM machine ( there were two ATM machines and I used the one on the right ). The ATM machine shut down and returned my debit card but did not deposit my cash into my checking account and did not print out any receipt. 
With the help of the Capital One Bank representative working there ( XXXX XXXX, I spoke to the Capital One claim department and filed a claim of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a derogatory credit mark on my credit report for {$120.00} I owed to XXXX  in 2021 that I was never told about. I have been a XXXX  customer for years and am currently a XXXX  customer and pay on time every month. I would have gladly paid the {$120.00} if I got a notification that it was due. I never received mail an email or a call or Anything at all to let me know I needed to pay it. I spoke with the manager wanting to get the derogatory credit off my report immediately and they told me that it was not possible for another two months even after I paid the {$120.00}. This has greatly affected my credit score and I have been a loyal customer for years to XXXX  with on time payments. The attached item below is the only notification I got and it wasnt from the debt collector it was from XXXX. I had to research the debt collectors number to reach out to them and pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 there were XXXX unauthorized transactions withdrew from my account totaling {$680.00}. These transactions were completed at an ATM at XXXX XXXX which I have never been. I submitted the dispute to the bank which I was advise it will take up to 10 days to recover place the credit in my account. However today on that XXXX day I was notified verbally and by email that the dispute has been declined and I will not receive my funds back in my account. The transaction was made while I still had my card in my wallet which is very confusing. Upon speaking with the bank they advised me to withdraw the remaining funds in my account because they have to mail out a new card and I wouldnt have access to the remaining funds. Which I did. Which is shown that the atm I use is less than XXXX mile from my house in XXXX XXXX. I am stuck and needing help because this transaction was unauthorized. There are cameras to prove this was not my transaction on atms. Please help. I am having an eviction without having access to my funds. This is my blue bird American Express prepaid account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CL Holdings LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an item on my credit report that is reported by XXXX XXXX XXXX that claims I owe them {$370.00}. I haver never been in debt no had products nor services from this company. When I called ( XX/XX/2023 ) to ask them to send me the verification of a contract with my signature ( Wet signature on original contract ) I was told they do not have that and they did not have to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I filed a complaint through CFPB and I attached a letter clearly stating what I needed from transunion..I clearly asked for an investigation into a few accounts on my report. Like they have been doing for months is ignoring one of my complaints..I sent this letter in on XX/XX/XXXX they just responded but didnt mention all of my accounts which means they didn't even attempt to investigate.I also asked for the results of investigation be sent to address on letter..I haven't received anything from them but I come on website and it's say complaint close..how is that when they didn't even respond to wat I asked and it's been over 30 days.I don't know if you guys at CFPB is actually lookin at these complaints but it's clearly they keep avoiding to investigate that account properly..this is like my 5th complaint against them and they keep doing the same thing and you guys just keep closing the complaint.Im goin to attached the exact same letter I sent and then u can tell me if they investigated how they should've bc obviously I'm not getting anywhere. 

Contract Callers XXXX I need proper report for the The account contract callers XXXX Could you please send it to me? Also, please let me know who had ACCESS TO MY FILE AS Well.. I want the investigation outcome to be sent to my address I put on the the investigation request letter. They ignored this the first time in letter..I can't make it anymore clearer than this..so when u respond cud you please have done proper investigation and forward me the information I asked for. Enough is enough with the fake verification process u guys use.

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by TransUnion a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by TransUnion a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by TransUnion with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n TransUnion is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer 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 explanation
Consumer complaint received 2023-10-13
Company: LOAN SIMPLE INC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
XXXX XXXX.. {$4000.00} in points plus an additional {$300.00} to pull my score predatory lending practice

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on accounts are a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$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 2019-06-14
Company: Experian Information Solutions Inc.
State: PA
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 recently pulled my credit report and i have a number of inquiries on my Experian credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights.

I have added a fraud alert on my account, police report and FTC Identity theft report was submitted prior in reference to these inquiries. during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. 

I would like these fraudulent inquiries deleted from my credit file immediately XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/

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 2023-04-28
Company: EQUIFAX, 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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were going through a home modification trail period with XXXX. We had made 4 payments when XXXX sold/transferred our loan to Fay Servicing XXXX We called them to find out how to send a payment and the Fay said they had to receive the modification from XXXX so not to make a payment at that time. The next month comes and they ( Fay Servicing ) send us out a hardship package. Then they denied us. Fay Servicing will not honor our loan modification we had arranged with XXXX and now they want to foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DATE OPEN XX/XX/2019 {$14000.00} ORIGINAL BALANCE {$18000.00} NOW BALANCE

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 2021-01-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, JPMCB - AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: MS
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 am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate 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 2023-10-13
Company: Collection Bureau of America Ltd.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection for a debt I did not owe. I called the agency in XX/XX/2023. On XX/XX/2023. I called the agency to dispute the debt and was told I didn't need to do anything further they would note it on the file. I contacted the original creditor and received confirmation the collection was an error and they would take care of it with the agency. On XX/XX/XXXX the agency put the collection on my credit report. I called and they requested the information from the original creditor be sent via email- I sent it and requested receipt confirmation which I have no received and they are not answering their phone or responding to me. This never should have been put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a mortgage with Wells Fargo and they were to come to mediation and work with for getting a proper payment plan. They representative from California was to get approval for loan modification. He never called or returned to the meditation process and filed for the foreclosure. They put the wrong address on the filing documents to the court and we lost our home unfairly during the housing crisis. 
XXXX to XXXX long period.

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 2021-01-05
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had my account frozen twice in the last few months for funds being taken from my account that i did not approve. I just had {$800.00} taken out of my account from a XXXX Credit card that I do not have nor did I send a payment to. Now I don't have the money to pay my mortgage that is due today and they will not call me back to fix the issue and free up that money. There security is XXXX and I'm tired of struggling because they don't fix the issue timely nor do they have protections in place to prevent this from happening in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: SYNCHRONY FINANCIAL
State: NY
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:
Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/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 2021-01-15
Company: EQUIFAX, INC.
State: OH
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:
Credit report data correction / accuracy issue A few years back we were notified of a collection account by a collection agency, that was the first time we were made aware of the item. The amount was meagerly small ( less than {$80.00} ), the agency acknowledged that due to communications issues if we paid in full at the time, the item would NEVER even show up on credit reports, we agreed and paid.

Fast forward a few years, while in the process of buying our first home suddenly this item showed up on credit reports from 2 agencies, XXXX  and Equifax. I made some calls with the collection Agency ( XXXX : XXXX XXXX XXXX- aka, XXXX XXXX XXXX ) and created disputes with both the credit reporting agencies. XXXX, deleted the item right away but Equifax would not resolve it and I had many back and forth between Equifax and XXXX. Equifax insisted that XXXX inform them of deleting the item from the report. XXXX told me multiple times on my calls that they are ok with deleting. Finally I got a written letter from XXXX, confirming the same. However, Equifax still insists that they need XXXX to tell them to delete the line item. Going by what XXXX has told me ( verbally and in writing ), they have informed Equifax. 

I created another dispute with Equifax, this time provided the letter from XXXX, had a few phone calls with Equifax. Instead of being helpful the Reps disregarded any of my concern, being rude and insisted, XXXX inform them of the deletion. I am stuck between the two companies, for several months now. These companies wield extreme influence over people 's financial life, advancement/opportunities ( or lack thereof ) and it is never easy to deal with them. You can not live with them, nor can you live without them. 

Customer 's personal data is Equifax 's bread and butter and I was amazed at the way they handle the data, customer service and the accuracy of customers data. Did I mention how bad their customer service was? 

All I want is Equifax to correct my data and delete the collection inquiry as per direction from the collection agency. 

Please see attached, letter from XXXX. 

Thank you and I appreciate your help!

Company response to consumer: Closed with explanation