BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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:
According to the fair credit reporting act this creditor ; has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an OPEN consumer credit plan, as late under any purpose.

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 2020-03-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX, ,Continuing Issues About Settlement Payments,, ( from The XXXX, ,Unathorized Banking Accounts On XX/XX/XXXX And Ect, ,Any Other Issues Tied Together With That, ,Yes I Did Receive Some Information about This But It Doesn't Describe, ,On, XXXX, ,When? Where? And What Date?, ,This Is So UnAcceptable, ,These Matters Should. already Be Solved, ,ASAP!!,, So UnAcceptable Business!!!!

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 2023-03-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
First it says I opened up an account on XX/XX/2017. I did not. The amount was {$400.00}. I tried disputing it and nothing happened.

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 2022-04-12
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did not get paid during XXXX for rent from my tenants so I was unable to make my mortgage payments therefore because of this I have had to sell my rental property. Now awaiting the sale the mortgage company is trying to foreclose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: CA
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 recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is defamation of character and misrepresentation of my credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. i am exercising my right as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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:
In year XXXX every month I went to bank I was always having many overdraft or not enough money insufficient fund charges kept taking my direct deposit I just let them close account with negative balance stop my social security check going to 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 2022-04-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
some of the credit inquiries on my reports I dont recall like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to XXXX the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: CA
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:
In XXXX, 2019, I was notified by XXXX that my credit score had been changed from XXXX to XXXX, and to immediately contact the credit reporting agency Equifax. I did so and dealt with an agent in XXXX. I asked why and who dropped my credit score without notification as to why. I went through a number of questions and was told that they couldn't really tell me why. I then demanded to speak to someone of authority and to ascertain what happened. I was ultimately passed to a person who stated that XXXX XXXX had reported me deceased so they dropped my score to XXXX. After all the questioning, the person gathered that she was talking to the actual person and that I was obviously not deceased. They advised me I had to rectify the problem with XXXX XXXX. I immediately called them and was told that Equifax was being less than honest as they showed my account ahead in payments by months and that when a client dies, it is clearly marked on the file and mine was definitely NOT marked as deceased. I then called Equifax back and informed them that the ERROR appeared to be on their end not XXXX XXXX. I was told to then file a dispute and it would be investigated. Equifax sent me a form on XX/XX/XXXX stating that my XXXX account had been " updated '' to show that I was no longer deceased, BUT Equifax still has not updated my credit score. I also called XXXX XXXX back and asked if they had changed my status and they advised they had not because they had never listed me as deceased in the first place. I want my credit score updated immediately. 
I thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for a Wyndham Rewards earner VISA credit card on XX/XX/2021 in response to an offer recevied via email the same day. The advertising provided for an offer of 60,000 bonus points, but Wyndham granted 30,000 points only. Contacted XXXX XXXX ( credit card issuer ) at XXXX on XX/XX/2021 to resolve this issue and was told that the offer shown on the system was for 30,000 bonus points only.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
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 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

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 2023-03-06
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get SLS.net my mortgage processor to remove the PMI I pay every month. They insist that I hire an assessor in order for me to remove the PMI. The mortgage itself is below the 20 % threshold as I under the law. My current principal amount is {$310000.00}. My ORIGINAL BALANCE was {$390000.00}. 

The difference in the two amounts is 22.38 %. Please assist me in getting this company to remove PMI. Their parent company is XXXX XXXX and they have a reputation for ripping off the consumer.

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 2022-08-17
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX months ago I applied for the apple credit card through the apple wallet app. It said I was denied due to the fact there was an account already open. I had gotten sent a number to contact the company about fraud. I spoke with a man about the fact I have never used/received a card from the company. He proceeds to tell me the name on the card and it happened to be by someone, a man, I have never heard of in my life. I told him I didn't know the person and it wasn't me. He canceled the card, said it would be under investigation and to apply for it again in XXXX days to get myself the card. Sometime in XXXX I applied again and the same thing popped up. So I did the same thing and called the company, went through the same process. XXXX I applied again. Same thing happened AGAIN. So I sat on the phone with the company but this time I tried to get information to file a police report. The company wouldn't tell me anything about the person nor give me reports as evidence to build a case. They kept hanging up on me and I kept calling back repeating myself for an hour straight. I wasn't getting anywhere with them. Finally I gave up and filed a police report last month in XXXX to the XXXX XXXX sheriffs office. I called yesterday to check on my case and they told me it was inactive because there wasn't enough evidence to further the investigation. The number I have been calling for apple is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter in the mail from capital one, I am working and repairing my credit and I never applied to capital one to try to open anything. I want to take action and want all credit bureaus to be notified. That was not me opening any checking account because I am already with XXXX XXXX  XXXX. I am working on reporting this issue to capital one headquaters and might go get legal support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NJ
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:
1- XXXX XXXX  : Don't recognize this account, i think there was an error this has to be fraud. thank you 2- XXXX XXXXXXXX XXXX XXXX XXXX : Don't recognize this account, when XXXX came a lot of people was doing fraud on accounts and i think mine was one of them.

3- XXXX : Don't recognize this account, i don't know where it came from or who did it but it says unspecified inquiry that i didn't make is fraud. i called the company and they said the same thing

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 2022-04-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXX XXXX  delaware XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}

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 2020-03-27
Company: Riverwalk Financial Corporation
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i had opened the account and i bought a necklace from XXXX XXXX which is the original debt. My husband at some point and went in the store and have my name and address and charged items on my acct. that i wasnt aware of. If you charge something once you do not have to show the card and id. He has since passed away and XXXX XXXX has since gone out of business. I shouldnt have to pay a debt that isnt mine and i have nothing to whow for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed Home owners Insurance companies In XX/XX/2019 and notified the bank in XXXX and they removed the forced insurance XXXX XXXX and said I was all good nothing would be charged me. Shortly after I received a notice that I need to have wind coverage added onto the insurance. I called my agent and they said I couldn't add it even though the insurance was young I had to cancel and reorder insurance with the wind which I did. The bank Had NO insurance on my property since they cancelled everything XXXX XX/XX/2019 ) once I submitted the insurance from the start of what they thought was a lapse. I had insurance the whole time. Once I turned in the new policy they said I had to prove i had wind insurance from the beginning. The insurance company wouldn't do it back date so I told them. In XX/XX/2019 they supposed took out wind only insurance for XXXX what wind insurance costs of one year for the time period XXXX XXXX. They did not have insurance on my property at this time but months after supposedly purchased it after the fact. I was told multiple times I would not be charged for it on the phone ( which they always insisted we talk by phone ) I have no written proof but I did have one name which they supposedly never found the person. Once they told me I would not be charged I threw away all the little pieces of paper with all the names and times I spoke thinking it was settled. They have been harassing me and not applying my house payment, charging late fees and likewise high jacking me with their insistence on charging me for a service I DID NOT RECEIVE. I have been arguing for two years over and over with no success. I do not plan to pay for a service I did not receive. According to my insurance agent you can not collect for service that is past. That is why they could not just add it. My wind for that year was under {$200.00} for the whole year-where they are trying to get {$210.00} for one month and not actually providing that service. I am adamant about not letting a big company take advantage of me. Please help or tell me who I can go to to get help.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Obtained copy of consumer report and noticed unauthorized accounts and inquiries I submitted a ftc report I am a victim of identity theft and i am demanding removal of accounts and inquiries

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 2023-09-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a mother of XXXX boys and a widow these past few days has been so upsetting due to the fact that Chime has suspended my account and will not give me my funds I have sent over 200 emails with all of my personal information and they keep requesting the same thing over and over I have been reading up on Chime and I see theres an open investigation with them because theres others complaining how there accounts are being suspended and they never get there money I have saved documentation on everything that was requested all the emails and call logs it really broke me down yesterday when I had to withdraw from my class because I cant make payment for my class and pay for my books I stated that and I heard agents in the back laughing while Im crying because my education has come to a hold they keep asking for my XXXX tax return and I keep stating in every email request that I have not done my XXXX Taxes yet that I am just now doing my XXXX Tax refund because my husband passed that year and I was grieving I submitted my XXXX transcript that I received from the IRS that shows and support my money that was deposited into my Chime account last Friday I have spoken to supervisors and they have looked at all of my paperwork and agreed that I have done and submitted everything that was needed and they dont understand why they are doing this they keep requesting my XXXX tax refund information and I keep telling them thats not for XXXX thats for XXXX that I just filed this year my XXXX I submitted my 1040 my transcripts and other documents from the irs I have also submitted my identity as in id card my social security card and they still dont want to give me my money so i called and wanted to get an update and this lady tells me there not going to give me my money that was deposited until I do my XXXX taxes and Im like Ive submitted everything g to hat was needed to show where my money came from for my XXXX tax return that was deposited last Friday please help me its like Chime representatives do not care and actually do take people hard earned money I had to withdraw from XXXX school until Im able to pay for fees and books I have kids y to hat I cant provide for I never thought they would do this I have all my documents emails phone logs and more of what and how they been handling this situation which is not right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I reached out to NCB Management ( XXXX and XX/XX/2020 ) in regards to a collection with them that was included in a chapter XXXX bankruptcy that was discharged. They received the paper work from my Lawyer ( XXXX XXXX XXXX in XXXX, SC ). Per my conversation with the representative she stated that they received the paper work from my lawyer and the bankruptcy court but they will not change the way it is listed with the credit bureau, she stated that is the way they report and nothing will change.

Company response to consumer: Closed with explanation