BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
This was around XXXX. I was told by Wells Fargo. That XXXX or so was deposited in my account I didn't know about. I was told they took back the check. I emailed that my account had a negative balance. When I called to ask about it then told all about the money being deposited. Which I then disputed everything because I didn't know about it. I was told by Wells Fargo according to them I did deposit they money. I was out and owed them the money back. After at least 5 or so complaints to them, nothing they could do. Even after I did a fraud application and everything.

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 2022-07-18
Company: EQUIFAX, INC.
State: MD
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 applied for a car then changed my mind I never give them permission to running my credit they keep tell me its factual but its not my next step is to contact my lawyer and file suit them inquiries need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 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 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
This company has violated my rights and privacy as of XX/XX/2023 according to 15 USC 1681a ( 2 ) ( B ) by illegally sharing a personal experience of late payments on my credit report without my consent or request. My score has dropped over XXXX points due to this inaccuracy and is directly affecting my personal and business endeavors. I have reached out to Capital One/ Walmart numerous times to resolve this matter but have not been successful reaching an agent who is willing or capable of helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX or XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed bankruptcy back in XX/XX/2018 and reaffirm my loan with SLS mortgage company and request the SLS mortgage to report my mortgage to the credit back in XX/XX/2018, I been calling every month asking them to do so but nothing happing and they promises to reported on the XX/XX/XXXX of next month. I am paying on time never late on payment. 
I need your help please if you have any questions please feel free to call me @ XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-01-13
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I Received a letter of declamation on XX/XX/2021. The declination was from First Bankcard which is fFirst National Bank of Omaha stating they were unable to approve my credit card request and the reason for their denial was identifying information does not verify. I telephoned the bank to inquire with a credit analyst what particular information were they unable to very and was advised that the credit bureau did not have the date my Social Security number was issued. My spouse has been an XXXX  of major XXXX  for over 25 years and stated hes never witnessed such a decline especially since no attempt was made with me from them to obtain any verification. By the way, the date is printed on my Social Security Card. I feel if my name wasnt XXXX XXXX XXXX XXXX, maybe a little more effort would have gone into their review. Other banks have asked for my drivers license, income verification, and even my Social Security Card ... .. Im not in banking but to decline a potential customer, human being, a real person without a blink of an eye for such a pathetic denial reason, they should of just said they dont approve XXXX. My credit score is XXXX as youll see on the documentation attached. The analyst advised I contact XXXX  so my issue date could be added to my number. The representative at XXXX  had no idea what I was talking about. First Bankcard refused to re-evaluate their decision and advised I re-apply. That makes 0 sense. She also advised that my application was strong and re-applying was all she could say. Also please note, I called as soon as I received their letter. Mail is running 20-25 days here in state.

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 2023-11-02
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2020! I had rented a car for my granddaughter in XXXX XXXX XXXX and the car was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But anyway XXXX XXXX police took the car in for investigation on XXXX ( Saturday )! XXXX XXXX released it on XXXX! The car rental claimed they didnt get it for 10 days! That took the rental up to {$2300.00} and US Bank let them take it and 1 deposit from government stimulus they took it but the government took it back and sent it to me! So lastly US Bank has XXXX XXXX  me to where I cant open any accounts at any bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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 inquiries. I have no knowledge of obtaining any of the inquiries listed here. It is caused by fraud. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-13
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:
There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 information incorrect

Complaint:
I have been disputing XXXX, Equifax and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health  issues and XXXX XXXX XXXX  because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and 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 2023-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a bank account with Wells Fargo for years. Recently I was a victim of identity theft at not only Wells Fargo but a few other banks. A fake check written to a completely different person was deposited into my account and then withdrawn, after the check bounced it left my account negative and apparently left me on the hook to pay for it? Im not sure how else to go about this Ive written numerous complaints to try and fix this issue. Not sure what to do at this point..

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 2022-09-08
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had identity theft & it shouldn't be on my report

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 2021-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im a XXXX XXXX and in XXXX of 2021 I asked/authorize the mortgage company to apply a little over {$4000.00} payment to the months of XXXX, XXXX and XXXX ; since I dont get paid until well into the month of XXXX. In mid XXXX, I started receiving texts and phone calls day and evening ( during work hours ) saying that I owed the month of XXXX. When I checked the bank account, they had taken a payment for XXXX then the {$4000.00} to apply payment for XXXX and XXXX and the rest was applied to the principal when I specifically said to apply to XXXX. I told them that they now needed to apply the little over {$2000.00} to XXXX and XXXX. They agreed and said it will be done in 10 business days. The calls about late payment continued and my phone calls to them telling them to stop and to apply that money to the monthly mortgage payments. Its been a month, I have spoken with numerous people and supervisors and nothin its been done. My account shows that I still owe the month of XXXX. Every time I call they say the cash in department hasnt done their job. Im running out of options and I feel helpless. They said they will not charge late fees but Im afraid it will affect my credit score. Now I just received an Early intervention letter because it shows in their system that I havent paid for 2 months. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: PA
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:
XXXX sent letter to Equifax XXXX sent letter to XXXX Equifax, XXXX, and XXXX are all showing a Hard Inquiry from a Company XXXX XXXX, for XXXX XXXX XXXX. I don't know who this entity is, and have never done any business with them, nor do Ihave no accounts with them. I sent letters executing my XXXX rights under the FCRA to Equifax, and XXXX. I Have called XXXX, Equifax, and XXXX multiple times asking them to please remove this from my credit report. Every time I ask them kindly on the phone to remove the inquiry they tell me its not my right to do this, and that I the consumer need to call the company reporting this and fix the problem. I do not know who this company/persons are. It is the XXXX XXXX XXXX who must report accurate information. Now I have an inquiry on my report that looks like i was shopping for houses when i was never in a position to do this. I don't know how this was ever disputed found as fact correct. I feel like the Bureau 's are taking advantage of my XXXX rights when they are not protecting me, the consumer. They just take XXXX XXXX 's word. I guarantee they have not sent any contract or paperwork with my signature proving to the Agencies that this is factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Prosper Marketplace, Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for this card with Prosper ( ending XXXX ) in XXXX of XXXX. The annual fee was waived for one year, I used this card for one charge in XXXX of XXXX. The card required autopay which I setup at the time of application. I never used the card after. On XX/XX/XXXX I called to cancel the account since I acquired a card at a much more favorable interest rate. Fast forward to XXXX of XXXX, I see the account has a balance of {$39.00}. I immediately contacted Prosper to inquire why there was a balance and open. I was advised the waiver request would be submitted and the account would be closed as it hadnt been previously. I was advised the account was closed and a request to waive was submitted. Today, XX/XX/XXXX, I contacted for a status since I have not heard anything. I am advised no waiver was submitted and that likely it would not be, quoting terms and conditions. I have been nice to this point as long as its waivedand closed its not a big deal, now Im being told I may be responsible for the fee as a result of the account not being closed in XXXX when I requested it. 
I am looking for the CFPB to intervene on my behalf. I believe something unfair and deceptive is going on. I suspect there are other complaints similar to mine with other former cardholders. Please investigate!

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 2021-01-13
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The complaint is for both customer service and credit report/reporting issues. 

On XX/XX/XXXX I received an alert from my credit monitoring service that Exeter Financial XXXX  placed an action on my credit reports stating that my account with them is 30 days past due. I definitely was not aware that my account was past due as I have made my payments every as my contract states and have been working very hard to improve my credit worthiness ; this action really set me back. I reached out to Exeter to find out what was going on. The representative reviewed my account, and stated that I had missed my XX/XX/XXXX payment. I was devastated because I am pretty good about paying my bills and if I did miss a payment. I would think someone from the company would have reached out to me regarding this matter. In XX/XX/XXXX, I reached out Exeter to inquire about possibly receiving a payment deferment due to COVID hardship for a decrease in income. Representative never stated that I was behind or I missed any payments. He explained to me that the payment would be put to the end of the loan and my next payment would be XX/XX/XXXX. I repeat not once did the representative state that I was behind because if I was, I would have asked for the deferment as well as what I would need to do to bring my account current and still have a payment due XX/XX/XXXX. After the representative submitting the request, he went over the details of the deferment and stated that once the deferment was approved that my account would be current and next payment of {$780.00} was due on XX/XX/XXXX. I called on XX/XX/XXXX to make sure the deferment was approved and it was. From XXXX on, I made my payments on time. Still on XX/XX/XXXX, I requested a deferment to bring my account current because after calling in on this date and finding out all this information I would have to make 2 payments in order to bring my account current in which I can not afford. The deferment was approved and my account is current as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Do to my understanding it was false information on my credit report that XXXX TransUnion an XXXX credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 explanation