BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: IL
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 I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE

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 2023-12-07
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Information XXXX XXXX I have been in contact with VANCE & HUFFMAN LLC for over a year now via phone, company website and disputes sent via the credit bureau. I have informed them that a company that I previously owned was used to take out several loans using a company that had went out of business and my personal information. The loan that was taken out with taken out with XXXXXXXX XXXX XXXX  used my personal information as a personal guarantor but also someone else information that was not associated with the business nor was a signer on the documents with the state. The only other party who as able to sign or enter any contractual agreements was my spouse who was not listed anywhere on the agreement. The equipment that they are trying to hold me responsible for was shipped to an address where I no longer lived or received mail. The collection agency refusing to look at any documentation original contracts, lease agreements, police reports, business status with the state of GA when the loan documents were created, which all show that the debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX I was never late on this account- Please check the status on this account. 

XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXXXXXX This doesn't belong to me. 

XXXXXXXX XXXX XXXX, I dont recognize these inquiries. 

XXXX XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect.

Company response to consumer: In progress
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX XXXX was wired to a company called XXXX XXXX  for services. On XX/XX/XXXX another XXXX was wired to this company for services. All funds where wired from Wells Fargo. Once I realized that the company was fraudulent and I was scammed, I contacted the bank and was told there was nothing they could do. Type this company name in on XXXX and you will see lawsuits due to 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 explanation
Consumer complaint received 2021-03-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I attempted to transfer the amount of {$2500.00} between XXXXXXXX XXXX and Wells Fargo bank. The funds were withdrawn from XXXX Bank on XX/XX/XXXX. The transaction was declined and marked as " fraud '' on XX/XX/XXXX by Wells Fargo, even after I cleared it with the bank first that it would not be an issue to transfer funds directly between banks. 

On XX/XX/2021, I received an email that the transaction was mistakenly flagged as fraud. In the email, it states that a woman named XXXX XXXX was to be managing my case, but yet there is no direct contact to her listed or any resolution provided. Additionally, she never reached out to me again, which the email also states she would do. 

I then went into the bank in person to file a complaint on XX/XX/XXXX in XXXX, PA because I was moving to Texas and I needed access to the funds immediately -- that is why they were being deposited. Management at Wells Fargo was not knowledgeable or capable of carrying out their function as staff, and they were not able to help me and told me I had to wait up to 5 business days for the funds to be re-deposited. This is my rent money. I waited the 5 days and proceeded to call back multiple times. It is now XX/XX/2021, and I STILL do not have access to my {$2500.00} or a resolution. I have called into the company over XXXX separate occasions and have been hold on the phone for greater than XXXX hours total, speaking with multiple representatives from Wells Fargo ( XXXX and XXXX being two of them ) and nothing has been done. 

It is completely unacceptable after filing multiple formal complaints that we are now going on the third week, and the {$2500.00} is missing from my account. I was promised on I have taken every step as a customer to ensure I get the money that I deposited put into my account. It is my money and I am entitled to it. Wells Fargo is not doing anything to solve this issue, and I will now be seeking legal counsel in addition to filing this complaint with the consumer Financial Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
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:
I reported these inaccuracies months ago they were proven as not mines but still somehow came back onto my credit report. I am tired of my rights being violated they are reporting tradelines that do not belong to me on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2017-12-07
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A 3rd party insurance claim check in the amount of nearly {$41000.00} to initiate home repairs was received/endorsed by Nationstar. They advised they mistakenly applied the check to our existing outstanding mortgage ( which was less than {$2000.00} escrow included ). This " error '' was discovered in our request to expedite the process. A representative advised the most expedient way to obtain the funds would be to sign an affadavit consenting to their " error '', then the remaining funds would be release via check to us, not the contracted provider-despite all documentation advising otherwise. We, nor the contractor, have received payment OR disclosure of this " revised '' procedure. This hideous, fraudulant-appearing, " mistake '' began mid-XX/XX/XXXX, yet not documented until XX/XX/XXXX. ( See attached. ) Several requests for explanation, documentation, and expedion of said funds have been delayed, ignored, or misdirected. The most recent advice, received on XX/XX/XXXX, is that release of the funds require a minimum of 30-45 days to process. Nationstar advised the " start '' date of that process is that of when they process the necessary paperwork NOT that of when they endorsed the check so who knows when to expect the money. Meanwhile, our home awaits a much needed roof. 

The complaint begins with XXXX not advising us in a timely manner of the sell of our mortgage. This, in fact, complicated the process from the onset, as the initial insurance claim check was written to them as the 3rd party. A total of 4 different checks were submitted by the insurance company due to the lack of timely communications between mortgage companies and us, and the inaccurate processing from NationStar. Secondly, NationStar applying home repair funds to the mortgage, then requiring approval to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00}

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 2021-03-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am requesting a refund of {$88.00} from the XXXX XXXX to be return to me due to Citibank computer error in the Probate Department that there was a balance of {$600.00} on my late husbands credit card so Citibank would not refund me the money. However, there is no balance because the Citibank Dispute Department has already resolved this balance. There were 2 disputes on my late husbands account ending in XXXX. The first dispute was resolved and a check of {$620.00} was issued on XX/XX/2021. However, the second dispute was also resolved on XX/XX/2021 with the attached letter from the Citibank Dispute Department on XX/XX/2021 for crediting me of {$600.00}. Recently, I just closed my husbands XXXX XXXX account and it refunded me of the {$86.00} on XX/XX/2021. I have been calling since XX/XX/2021 and found out that Citibank does not share information with different department, as of XX/XX/2021 Inconsistency and contradiction of records among Departments : PROBATE DEPARTMENT-XXXX SUPERVISOR ( XXXX ) XXXX denied of any refund and she claimed there was a balance of {$600.00} CUSTOMER SERVICE-XXXX XXXXthere was a balance of {$510.00} because the refund of the XXXX XXXX was received RECOVERY DEPARTMENT-XXXX ( XXXX ) XXXX-Confirmed the balance of {$510.00} was in the account, instead of the PROBATE DEPARTMENTs record And I contacted both the Dispute ( XXXX ) when I received the statement on XX/XX/2021, she informed me that the conditional credit of {$600.00} was refunded into my late husbands account on XX/XX/2021 and I received a confirmation letter as attached on XX/XX/2021. 



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 monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC was contacted to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC was contacted vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, again to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. A copy of the letter sent to the credit reporting agency is attached. " Please remove any other items from my credit profile, personal history because I am afraid that I might be susceptible to identity theft. '' On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC requested additional information from me, to to correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, Consumer sent EQUIFAX INFORMATION SERVICES LLC vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, the requested supplemental information asked. 

On or about XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC received US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, from Consumer. 

As of today, XX/XX/XXXX, EQUIFAX INFORMATION SERVICES LLC has and continues to harm, damage, and injury the ESTATE belonging to Consumers business affairs, by continuing to publish invalid address, phone numbers, employment history, and credit account ( XXXX ) not used or owned by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Had a bad faith with AmeriSave Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I was " dragged '' for 3 month processing a loan, supplied all docs requested ad XXXX, have Excellent credit, to a point I suspected I fell into a SCAM. Checking online I read tons of bad reviews from others in this regard. They collect {$500.00} from each for loan application and basically not executing. I then found out that in 2014 this company was fined {$19.00} Million+ for same issue. I wonder how is it possible that their license was not revoked!!?? They are using the same name!. I eventually approached my local bank to apply for a loan and requested to close my app with them, disputing the {$500.00} with my credit card. I assume not many do the same so quite a bit of money collected stays with this company. SHOULD BE INVESTIGATED!! I can supply you with all details required if you get to that point, I hope. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. DEPT/OF EDUCATION/XXXX Has fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Since the inception of the car loan XX/XX/XXXX, XXXX XXXX XXXX XXXX has failed to report all the payments I made and on time, and I just payed the entire loan off on XX/XX/XXXX, and to date I have not gotten any credit, and they failed to report it to Experian, XXXX  and XXXX. I have made multiple calls, including communicating to their corporate/office of the president for years, and their answer is " we are working on it ''. 
Last call I made out to them was today and they said that, '' they will look into it and to allow 7-10 business days ''. I will soon be applying for a loan, and credit score and history, especially of a paid off car loan would significantly increase my score which will give me better finance rates. I would appreciate your assistance in this matter. 
Thank you, 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
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft. DEPT/OF EDUCATION/XXXX  Has fraudulent accounts on my credit profile that needs to be removed immediately.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation