BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received an email from XXXX indicating that there was a charge {$310.00} from XXXX transaction. I was instructed to call. I called the number and spoke to a guy named XXXX Employee number XXXX from XXXX fraud department the phone number XXXX receipt Number : XXXX. Here is the cell phone XXXX. He explained to me that there were other transactions pending from my account. He said that the hackers were able to get into my account and place charges. - The first charge was in the amount of XXXX Which he said that he was able to block the transaction. He informed that there were other charges that were pending. The Second charge was XXXX - Third Charge was XXXX and they would front the XXXX so I would only have to send XXXX I am out of {$2100.00} He explained to me that I would have to send the money through XXXX to the following emails that he provided XXXX and XXXX to try to catch the hackers and remove them from having access to my IP ADDRESS on my phone. XXXX XXXX and XXXX XXXX. He told me to put void transactions in the memo field so the bank will know that it not a valid transaction. I sent 3 transactions through XXXX  and it was received. He told me that I would get my money back within 30 min. I was suspicious so I called the bank and filed a fraud complaint. I placed a complaint with the bank asking for a courtesy refund. They declined the request. I filed another complaint to the executive office and they declined my request. I am a single mother and I used all of my money that I had in my account. I have filed a police report, I have filed a complaint with the OCC, CID Cybercrimes, IC3.GOV. I am asking that a bank Wellsfargo that I have entrusted and have been loyal to for 30 years grant me a courtesy.

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 2023-02-22
Company: Westlake Services, LLC
State: AZ
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 am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. 

It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. 

If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. 

I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.

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 2023-01-10
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.

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 2023-04-26
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

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 2023-01-11
Company: Brightfunders, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I went through the loss mitigation process due to XXXX XXXX and XXXX. During this process, I did not miss ANY payments and as far I think the law says, when I'm going through loss mitigation process, my credit report can not be negatively impacted. As soon as I completed the paperwork for finalization of the loan modification, the mortgage servicing company switched to another company ( Lower ). Lower has me showing lates on the credit report AGAIN. I reached out to them to fix it a week or so ago and they did within just a few hours and I had perfect pay history again on XXXX XXXX I just now checked again and they have me 120 days late for the three months of the TRIAL PAYMENTS that I HAD to make in order to get my final loan modification. This has severely impacted my credit score and has led to me being denied a car loan so my family and I can have a safe vehicle. I want this fixed immediately PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted and disputed the Public record Chapter XXXX Bankruptcy on my credit report several times with XXXX and Equifax and they have refused to remove the fraudulent inaccurante information on my credit report. 
None of my information matches the bankruptcy. I have submittedall documents to the credit bureaus and they still refuse to move the information. I have called daily for 3 months and still they refuse to help me. Also I have no accountson my credit that are negative that the bankruptcywould be attached too.Please help me resolve this urgently. I'm applying for a SBA loan to help my business survive this COVID nightmare. 

XXXX has deleted the bankruptcy XXXX has deleted the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: CT
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:
I am writing to report several inaccuracies on my credit report with Equifax. I contacted Equifax on XX/XX/XXXX to address these issues, but to date, I have not received any response. The incorrect information on my credit report is as follows : The account XXXX  XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ) was never late. Please update my credit report to reflect this accurate information. 

I have never had an account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove this account from my credit report. 

I have never had an account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove this account from my credit report. 

I have never had an account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
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:
Said they havent received any paperwork from me to correct errors and the reported inquiries are not authorized.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-08
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:
Ive had identity theft items on my credit report for months, some over a year! Ive sent multiple disputes and emails with no action taken whatsoever! Dont credit protection laws apply to you guys or no?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt is unknown, never received collection letters or calls, it just shows on my credit report, account not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Synchrony Bank pre approved me for a XXXX XXXX card and set my limit at {$7600.00}. With my XXXX score at XXXX, I figured this was about right. 
Then I got a letter from : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX They wanted additional information to verify identity. Please call our office at XXXX any time between XXXX and midnight est, 7 days a week. Thinking I was calling Florida, although Synchrony is located just down XXXX XXXX from me in XXXX, XXXX, I got a person at Synchrony 's XXXX number with a strong accent. Difficult to understand, and then I asked where he was located. He say in the XXXX. Well his XXXX and my XXXX were not a good match, and I eventually had to hang up the telephone as I did not understand " XXXX. '' 24 hours later I called in the hopes of getting a very good English speaking person, and I got " XXXX. '' Not much better, and he told me I had to go to www.verify.syf.com and only with a smartphone. Synchrony wanted me to put my identity on the internet, was it secure, I have to assume so, but many questions ... Their app at verify/syf.com could not read the barcode on the back of my drivers license, so now I have been locked out of this way for identity. 
I told XXXX that I have been doing business with Synchrony Bank through their XXXX XXXX, as I have been a Synchrony Bank XXXX Card Holder for years. He said different department, not good here. 
I tried to explain to this person that Synchrony is Synchrony and issues many different cards, and I am in the system. My explanation fell on deaf/ignorant ears. XXXX./ XXXX, XXXX XXXX Connecticut XXXX Florida XXXX come Synchrony Bank and learn customer service. This is a story for XXXX XXXX of Synchrony Bank, formerly XXXX XXXX, who I've seen many times in XXXX at XXXX. 
This is the service we get in the USA now, inexpensive labor unable to communicate with customers, but is it good for the EBITA for this bank?

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 2023-08-17
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CCS Financial Services, Inc.
State: TN
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:
XXXX XXXX XXXX also known as XXXX fraudulently reported a debt to CCS Collections and is refusing to remove it. It started back in XXXX when XXXX was charging me an incorrect balance of {$250.00}. I called them, send emails and did chats with agents trying to get it resolved. They brushed me off for months and instead of correcting the amount due, the sent the amount of {$250.00} to CCS Collection agency. I still continued to contact XXXX until I finally got someone on the line from XXXX who truly looked into my issue and admitted that XXXX " made a mistake. '' He corrected the balance due as {$28.00}. I paid that balance and stated that if someone would have helped me and corrected this inproper charge months ago, I would have paid it. This bill would have never went to collections. Instead of helping me and correcting the error that THEY made, they first sent it over to collections in which now shows up on my credit report. They marked the debt paid or settled, but i want it removed! It was fraudulently sent by XXXX as they try to bully me to XXXX {$250.00} when I only owed {$28.00}. This is causing an incorrect reflection of me on my credit report because of XXXX XXXX greed and error. They should not be able to get away with this, and this collection should not be able to sit on my credit report for 7 years because of XXXX  insurance billing error. I have the auto policy number and any other information you may need to investigate further.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been Chase customer for over XXXX  Years. I started with them when they XXXX XXXXXXXX, then XXXX, then Chase. In XXXX of XXXX, Chase sent me a promotion by email telling me that if I visited a branch by XX/XX/XXXX and followed the steps outlined in the attachment, I would qualify to become their private client. I visited a branch and opened a new account on XX/XX/XXXX. The understanding was that after leaving the qualifying amount deposited for XXXX  days, they would credit the account with a {$2000.00} bonus. At that time, they must have known that they were going to close my savings accounts. I had a checking account, credit cards -- which they closed in XXXX of XXXX, a premier savings account, a mortgage, and the account that qualified me as a private client, account # XXXX. Chase kept my money on deposit from XX/XX/XXXX and on XX/XX/XXXX, I received a letter from Chase notifying me that they had decided to close my accounts. XXXX days later, I received another letter telling me to ensure I withdraw all my funds by XX/XX/XXXX, XXXX weeks before the account would be eligible for the {$2000.00} bonus. That is a shady and dirty way to treat depositers, especially XXXX who was loyal to Chase for over XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Reached settlement with company to forego all outstanding debts on my credit card account after paying {$7000.00} in three instalments. Letter enclosed.

Company received payment, and after a month or so turned the account for collection of about {$5000.00} to a collection agency who started calling ( number provided by the company without permission ) me for the debt.

Agency was informed debt has been settled with the company per settlement letter.

However it reported to credit agency as charge off. As a result my credit score dropped by about 30 points.

Company has been evasive and thanked me for trying to pay the debt, which I have not done at all ( it has been settled already ). My credit score has not recovered because agency/company has not removed the charge off amount, it remains a black spot on my credit report. 
Proof of payment, my letter and part of credit report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I paid {$250.00} to have my house revalued to eliminate XXXX  payments. Wells Fargo accepted the payment and sent out a representative to value the home, the value did not come back sufficient as it was a basic evaluation tool used. I then offered to pay a higher fee to have an XXXX out to have a more complete value determined. At this point, Wells Fargo refused to accept my higher payment because now they stated that I did not qualify. I then asked to have my {$250.00} credited back since from there communication, was not eligible as well. they refused to credit me back the {$250.00} and ultimately I had to refinance my first mortgage to be able to eliminate XXXX. I feel that all money paid to WF to have my home reassessed should be credited back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently by XXXX  XXXX XXXX XXXX XXXX XXXX. I did not go there and I do not recognize this charge. My information was stolen from another web site

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my third complaint. 
I need to UNFREEZE my credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation