BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: Happy Money, Inc.
State: NJ
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 had switched my payments from monthly to bi monthly to accommodate my job loss over one year ago. The past two weeks I have been getting late payment emails and received a credit alert on XX/XX/XXXX indicating there was a credit hit from payoff. I called payoff and after further investigation, the rep informed me that back in XXXX, when they switched payment plans, it looks like a portion of the minimum due was overlooked. This was news to me because for the past year, I have called in my payments monthly to a representative and no one has told me that. The representative apologized and said that I need to dispute the credit hit but as a courtesy, she will waive the XXXX payment that is due in the amount of {$490.00} if I can pay the assumed overdue of {$490.00} from XXXX, putting me back on track. I agreed and authorized {$490.00} to be paid on XX/XX/XXXX according to their pay schedule as payment has to be received before the XXXX of each month. Then on XX/XX/XXXX, I received an email confirmation of my pending payment of {$490.00} to be withdrawn on XX/XX/XXXX ; however, the amount they logged in was {$4900.00}. I immediately called them and was extremely upset because I dont have that in my bank acct and furthermore, thats not what was agreed on. I spoke to a manager named XXXX XXXX who said he could do nothing on his end and to call my bank. I called my bank and spoke to a supervisor who escalated the issue and stopped payment of the {$4900.00}. Then I received another email that evening from payoff indicating that they made a mistake and payment was really {$490.00}. Then, on XX/XX/XXXX I received a txt from payoff saying my payment was late! I answered back that the {$490.00} cleared my bank as of XX/XX/XXXX and XXXX payment was skipped per my conversations with them on XX/XX/XXXX. Now, today, XX/XX/XXXX, I received another credit hit alert, my credit was hit again by payoff for late payment fee. No payments are actually late and my credit is taking a giant hit of over XXXX points. Payoff has hit my credit on XX/XX/XXXX and XX/XX/XXXX! Please advise on this, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Was not notified of investigation status or results

Complaint:
I sent out a dispute letter in regards to my credit report and never heard back from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Didnt not want to sign y for a credit card because I got denied in the past by the same consumer for not having valid ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost the vehicle in XXXX now its hard for me to continue to pay for it because XXXX on a fix income now

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 2020-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed several complaints concerning this issue with Wells Fargo. In XXXX they were cross selling unwanted and unneeded insurance policies. Even after they were supplied with all the information and documents needed to prove that they were not allowed to force sell these products, they reapportioned my mortgage payments to these products and attempted to foreclose. I hired an attorney, Mr. XXXX, and we sued Wells Fargo. After many years, Wells Fargo settled with a check of {$15000.00} and a promise to clean up my mortgage account by removing their reapportioned payments, fines, and fees, etc. 

After paying the {$15000.00} and agreeing to clean up my account, Wells Fargo proceeded to ignore cleaning up my account, even after my attorney graciously gave them every opportunity to do so, before he filed for a breach of contract, a year later. It has been another 2 years or more since the settlement. Wells Fargo has agreed that they did not clean up the account, and that they have been in breach of our contract for more than 2 years, but they have arrogantly ignored the breach of contract suit. 
Wells Fargo has kept my husband and me in financial limbo since XXXX! We can not refinance higher interest mortgages, we can not finance a commercial interest we started in XXXX, and indeed they have handicapped my ability to pay my student loans. 
Please demand that Wells Fargo settle their breach of contract debt and clean up my account, so that I have the financial choices that I should have with a XXXX+ credit score. 
Additionally, I am also a XXXX XXXX with XXXX hives. In the winter, when flowers are not easily found, bees often start robbing each other. I took some powdered sugar and blew it over the entrance of one hive that was being robbed out. Then I watched for the hives to where all the bees with stolen honey returned, each blanketed in powdered sugar. ALL OF THE ROBBER BEES RETURNED TO THE LARGEST HIVE! I shared this story with other XXXX 's and learned that it is common, because only the largest hive can afford the loss of bees, that robbing generates. An entire beeyard can be utterly decimated by this robbing behavior. There is only one thing that will fix it. The big hive must be broken up into smaller hives. I hope you can gleen some banking wisdom from this story. 

Wells Fargo must settle their breach of contract with me, and force them clean up my account at the same time. 

Wells Fargo must be broken into smaller banks so that others are protected from their robbing practices.

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 2023-09-21
Company: EQUIFAX, INC.
State: NC
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 did not request the below inquires nor have anything to do with these companies. These are not my inquires. 

Please remove these from my credit report. 

XXXX XXXX - XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the 3 major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX 2 ) XXXX XXXX  {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 XXXX XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX XXXX {$100.00} 12 ) XXXX {$20.00}

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 explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-31
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection account on my credit report from " CHARTER COMMUNICATIONS ''. I tried calling the company directly and they were able to confirm that this due amount is for services provided at an address that is unknown to me as well as a different phone number than mine. I have never requested any services from either Charter Communications or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Messerli & Kramer P.A.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sent a process server to my apartment in a secure building. Process server threatened to call cops. Paperwork said Second Judicial Curcuit XXXX XXXX SD but no actual case number not actually filed. Said I need to report the their law office in XXXX MN or face a default judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: AR
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} UD DEP ED XXXX {$9200.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} US DEPT ED XXXX {$6800.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$200.00} XXXX   XXXX {$200.00} XXXX  XXXX {$240.00} XXXX  XXXX {$150.00} XXXX  XXXX {$320.00} XXXX  XXXX {$220.00} XXXX   XXXX {$300.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$180.00} XXXX   XXXX  XXXX {$610.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$480.00} DPT EDXXXX XXXX {$2300.00} DEPT OF ED/XXXX XXXXXXXX XXXX {$2300.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$1400.00}

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 explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 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 2023-10-16
Company: EQUIFAX, INC.
State: VA
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:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had two investment accounts with Bank of the West. BMO purchased Bank of the West. One of my investment accounts transferred over ; my other investment account did not transfer over. I called BMO. They said I had to open a new account and then call them so they could fix the problem. I opened the new account. I called them back on XXXX XXXX XXXX Now they are telling me that they can not locate my second account. They are telling me that they can not see what accounts I had with Bank of the West. The representative told me that I need to contact Bank of the West. But there is no Bank of the West anymore. It was bought by BMO. Even when I try to go to the bankofthewest.com website, it re-routes me to bmo.com. I asked for a supervisor and was told everyone is " in a meeting '' and I would get a call back. Nobody called me back. I am worried they lost my account and do not understand why they can't find my account. Clearly something in the transfer happened - why would one account transfer over and the other not transfer? And why can't they see what accounts I had with Bank of the West? They should be able to fix this and give me access to my second investment 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
Consumer complaint received 2022-02-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, deposited check to teller for XXXX. Learned next day teller deposited into wrong account. After calls and in person visit to Wells Fargo branch manager, I was told the money would be in my account next morning and the owner of the account went into would never know what happened. The next morning money was not my account and this personal check made out to me has cleared out of the account of person who wrote me the check. I told Wells Fargo I would file complaint. The response of the teller was " do what you have to do. '' This is XX/XX/2022 and money is not in my account nor does it show pending.

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 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NJ
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:
I noticed a company called XXXX XXXX was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company XXXX XXXX still reporting different information to 3 credit reporting agencies without validation of the debt.

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 2023-06-04
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following information on my credit file. I recently reviewed a copy of my credit report. The credit report showed credit inquiries that I did not authorized. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I authorized it in writing. Please have these inquiries removed from my credit file immediately. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of these the aforementioned permissible 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 explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation