BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: Experian Information Solutions 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 found some inaccuracies on my credit report ( collection accounts ) and reached out to all 3 credit bureaus. XXXX  investigated and removed the inaccurate accounts. XXXX  and Experian claimed they investigated and updated the information when it was clearly inaccurate. On XX/XX/XXXX XXXX  investigated and removed XXXX XXXX XXXX, XXXX XXXX, and Credit Coll collection accounts that did not belong to me. I even sent proof to Experian and XXXX  that the accounts were properly investigated and deleted by XXXX. Furthermore, I sent letters to XXXX  and Experian on XX/XX/XXXX to provide me with the info they used during their investigation and my letters were ignored. I still havent received any correspondence from either credit Bureau ( I thought they had 30 days to take care of this )

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 2020-10-21
Company: Global Lending Services LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDNELNET XXXX Balance : {$0.00} ; ; DEPTEDXXXX XXXXXXXX : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Regional Management Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020, I was scheduled to close a refinance with another lender, servicer. 

Mr cooper services my current mortgage. Upon notification of my close they stated to my closing agent, they need a month to process my documents. 

One month later, they reported they lost my stock certificate and lease and need another month to complete an affidavit. 

Once that was done, in XX/XX/2020, I no longer qualified due to more stringent credit requirements that XXXX XXXX, the holder of my note, had, due to covid. 

In XXXX and even as late as XXXX I was able to close had Mr. Cooper completed their responsibilities. 

I have had to continue paying a higher interest rate and {$300.00} more per month since this occurred. 

I have asked Mr Cooper on three distinct occasions since XXXX to account for their actions and how they plan to remediate my losses due to their negligence and they will not answer me. 

Their attorneys, XXXX XXXX also refuse to answer. They are stonewalling me on purpose. I have received lip service from their consumer affairs dept and no follow up. They have violated their own statements on three consecutive requests for information that it will take them 20 to 25 business days to respond, which they never completed, nor followed up formally.

I'm going to file a lawsuit against them and their attorneys and file with Tx and IL at XXXX, and XXXX the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My son served in the US Marines and because of that, I was able to adjust my legal status and I became a US Legal Permanent Resident. The social security number XXXX XXXX XXXX was issued and assigned to me by the Social Security Administration. I want to do things right and be able to accomplish the American dream of buying a home for my family. on a property where I am currently under contract, my {$12000.00} deposit can be at risk if this home purchase gets canceled. I ask Equifax to please update their records to show my correct social security number. 
XXXX and XXXX have already updated their records. All I need is Equifax to do the same. I have sent Equifax the documents needed since XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed a letter requesting investigation for some inaccurate accounts listed on my credit report. I waited the time limit as given by the fcra and still didn't receive a response so I mailed another letter on XX/XX/2020. I still haven't received a response yet.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo in XXXX Florida opened several fake checking accounts in my name from XXXX through XXXX. I filed a claim but never heard anything about the results.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: MD
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 following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 2022-02-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX bank has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. XXXX continues to charge me for late payments even when I'm not late. XXXX bank has reported me five times late starting in XX/XX/2021, XXXX kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. XXXX has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX XXXX XXXX payment was never updated. 

XXXX is also violating my consumer 's care act rights Sec.4021 & NCLC 'S Fair credit reporting rights. I proved I was affected by covied19 and needed XXXX XXXXo assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. XXXX has been charging me late fees even when I'm on time with my payments.

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 2023-02-10
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
A. To pay a bill, I transferred {$850.00} to my Cashapp account on XXXX at XXXX B. I initiated a payment on XXXX at XXXX using my Cashapp account. 
C. Cashapp declined the charge indicating suspicious activity D. I contacted Cashapp via their chat feature to indicate the charge was made by me. 
E. Cashapp responded and indicated I should use another form of payment. 
F. I informed Cashapp that I'd just transferred {$850.00} to them and to transfer it back to my main banking account, would cost {$15.00}. 
XXXX Cashapp sent a generic response. 
H. If Cashapp chose to decline my transaction they should not force me to pay {$15.00} in order to transfer the {$850.00} back to my account today. 
I. This is a form of gauging the consumer. It's at the sole discretion of Cashapp to approve purchases but when a consumer has deposited money to Cashapp in order to facilitate financial transactions, if Cashapp chooses to decline the transaction- the money should be returned to the consumer without a fee or all of this emotional labor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX claim this debt is valid but fail to respond to me directly with proof of validation which I requested 4 times, fail to comply to FCRA law of proof of originals copies to proof valid of debt, I will post my request and their response. there response doesn't have copies of the original contract XXXX XXXX XXXX XXXX reporting this account to my collection, so they have to validate this account or remove it. 

that's not the only violations on the collection account, Equifax reporting this account type is collection. 
XXXX  reporting this account is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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 found some inaccuracies on my credit report ( collection accounts ) and reached out to all 3 credit bureaus. XXXX  investigated and removed the inaccurate accounts. Equifax and XXXX claimed they investigated and updated the information when it was clearly inaccurate. On XX/XX/XXXX XXXX investigated and removed XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX collection accounts that did not belong to me. I even sent proof to XXXX  and Equifax that the accounts were properly investigated and deleted by transunion. Furthermore, I sent letters to Equifax and XXXX on XX/XX/XXXX to provide me with the info they used during their investigation and my letters were ignored. I still havent received any correspondence from either credit Bureau ( I thought they had 30 days to take care of this )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: KY
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:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-06-15
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:
I am currently in the process of purchasing a house and I can not due to XXXX and XXXX 's inaccurate and erroneous reporting of accounts on my credit file. I have been trying for over a year to get them to investigate these items and they don't conduct a proper investigation and provided proof they actually have investigated these items. If all three credit reporting agencies have access to the same information how can my reports each be different? XXXX seems to be the only credit reporting agency that seems to follow the FCRA and cares about accurate reporting. This is my last attempt before legal action is taken. 

Please see attached letter and provide all items requested. If all items can't be provided these items need to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: CITIBANK, N.A.
State: NC
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:
I use COSTCO citi card to pay my monthly " XXXX XXXX XXXX XXXX XXXX  ''. The official amount is {$11.00}, but citi card charges me {$12.00} each time. I called the cit Customer Service and explained to them. " XXXX provider asked us to charge {$12.00}, not {$11.00} '' is the answer from citi Customer Service. However, I got my {$0.00} refund ( XXXX {$0.00} ) back after I did a dispute on citi website. Looks like that I need to go to dispute each monthly transaction to get {$0.00} back for each month. 
Not sure whether this is not a good practice? 

On XX/XX/2022, I purchased gas at XXXX  gas station when the gas pump notice said no receipt available ( instead I did take a photo of the pump, {$38.00} ). The citi card charged me {$40.00}, which is {$1.00} more than {$38.00}. It's interesting that the citi dispute site gave the {$1.00} back to me " Permanently '' immediately as soon as I entered my dispute ( it seems know there is an overcharge, which is {$1.00} ). However, two days later, I got an email from COSTCO citi card asking me to " XXXX, request a replacement card in just minutes ''. I feel this is bad email, which is like a harassment ( because I had replaced my card about two months ago with lot of troubles when I was traveling, for which I did informed citi card in advance ). I think there might be some misunderstanding, so I called Customer Service again. The Customer Service said they didn't send that email. 

I really want to trust COSTCO Anywhere Visa Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: SANTANDER HOLDINGS USA, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
WF debit card worn and chip only reading intermittently with use. Ordered a new card. WF sent with no tracking. XXXX weeks later customer still waiting for card. Called customer service and told there is no way to track the shipped card so all cards associated with the account will be turned off. Shipping of new replacement card could take 7 days. No option to obtain a temporary card from local branch. Requested expedited delivery ; WF reports they can rush deliver in 3 days but it would require signature during the day. Customer works XXXX overnight shift. Requested reasonable accommodation such as showing ID at local branch to get a card that allows access to funds. No solution offered by WF. Funds in account are now held captive for up to 3 days.

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 2022-11-15
Company: Fig Tech Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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