BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NC
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 have 10 open disputes with equifax. I keep filing disputes with ftc id theft reports. i have done everything I could to have 3 accounts removed XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. i reached out to each creditor and XXXX of them mXXXX XXXX and XXXX, informed me that it was up to the credit reporting agencies to have the accounts modified or removed because they are paid and closed but showing lates. for the XXXX XXXX, the reason i was late because they kept taking money out of my account when i told them not to and then with exeter i told them the vehicle was faulty and that someone compromised my checking account with XXXX XXXX XXXX XXXX at the time. i have called equifax at least 10 times a day trying to get a resolution but they keep saying wait for the investigation to complete. i am at the point of suing them for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/, 2023, XXXX XXXX admitted liability in exceeding the XXXX rates of the State of Massachusetts. On XX/XX/XXXX, the CFPB announced an action against the Bank of America. These are money-center banks, with exceptionally first rate people, helping our families and our Communities to even in the midst of the most difficult of times. XXXX remitted interest and fees to be within the XXXX laws of State of Massachusetts and Bank of America should be allowed only the same decision, without monetary penalty or fines. XXXX XXXX and XXXX XXXX  set their own standards by law already. ; I want XXXX to do well. XXXX XXXX also agreed to the following stipulations on a " best effort '' basis. XXXX ) Loans would receive an incentive, provided no deflation, for Gross domestic product creation-measured by the 5 or 6 different Federal Reserve districts the Banks lend in. This incentives loan, equity, and capital ratios to further achieve production, and increases the strength and value of all loans in the loan portfolio. We save ourselves and our Banks if we can increase gross domestic product creation. XXXX ) On a best efforts basis, XXXX XXXX and XXXX XXXX will find a way to help workers with some transportation costs, to get back to our beautiful cities, our XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX. This saves our commercial real estate portfolios. And saves our Banks and our Governments. As Bank of America is essentially of violating various XXXX laws, just like XXXX, I ask that the decision be more searching, not as a fine, but as stipulations on a " Best efforts basis '' to build our economy, our lifestyles, and our work. Bank of America is hard-working and first rate, and I know that the Bank of America XXXX just like XXXX will do this. I ask that the decision as against Bank of America be amended to follow current decisions and that the CFPB obtain from Bank of America the most valuable of all concessions- the best efforts pledge to incentivize whenever gross domestic product creation. Our Country does deserve the independence of XXXX and XXXX XXXX and their guidance, as we restore our Country, our values, and our way of life. Please send me an email when BOA is contacted, please tell them of XXXX. Thank you.

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 2020-09-11
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Recently submitted my dispute over 30 days ago and there was a failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
So basically what happened as I got charged on a credit card that got sent to somewhere else not my even address and they charge the card up and then when I contacted the company they kept throwing me off asking me about they said that they would take the charge off and then they never did or that they had proof that I made these charges but I never did to make it, realize that the company is part of it

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: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
{$800.00} was fraudulent stolen form my bank account while on the phone I got laughed at and told I wasnt getting my money back

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 2023-09-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2022-05-21
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was trying to sell something on XXXX market place, had someone respond immediately. Was told that the account needed an additional XXXX to upgrade the Zelle account, I sent the person XXXX believing it was legit, the person started getting hostile with me when I said I was calling Zelle customer service. I immediately called my bank to see if I could get the payment stopped and it could not be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: HW Holding, Inc
State: NC
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:
In accordance with the fair reporting act Hunter Warfield Inc has violated my rights. 15 USC 1681 SECTION 602 states I have the rights to privacy. 
15 USC 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft/fraud. I notice three inquiries so far within the last month and I have got {$3000.00} taken out of my bank account also this month, but my credit union have resolve that issue at least. I contact the credit companies I was able to see, they claim to stop any transactions. I put a credit freeze on all bureau 's once I notice I was a victim. I'm not sure if anything else was applied for this month. Thanks for all the help please. Thanks Can you please remove these inaccurate inquires off of my credit reports : XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Although this in a similar complaint to the previous one, it came to light after the company had responded that this was actually discrimination based on my country of origin. 

The company required a verification process that required you to have previously filed a tax return in the United States, and did not provide an alternative process for those customers who did not originate in the United States. When they were unable to verify my details because of this, they made a discriminatory business decision to close my account. 

On complaining directly to Discover, they confirmed this is the process and refused to escalate the matter. Credit has therefore been discriminated against due to my country of origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im responding to the XXXX XXXX. XXXX because Comenity Bank has sold the account that originated to them to debt collection companies. If they've sold their debt, they should no longer report the debt owed to them on my consumer reports and it should be removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX  XXXX. The Credit Bureau has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of the XXXX  XXXX c form for charged off debt, but they did not, they sold this date long ago and they are still attempting to collect on it. Please remove this transaction from my consumer reports immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. The attached shows proof that XXXX XXXX  sold the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.

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 2023-08-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I received an ACH deposit from my taxes. Account access was immediately blocked and put into closure account has still not been completely closed 30 days later, not my Checking or Savings account! I want to end all relations with this banking institution and receive my funds in full! I have contacted the XXXX  and filed several complaints. This is causing me many financial hardships and unnecessary havoc. The funds are mine, in my name, direct deposited into my account ; from a legitimate institution, I do not understand why I am still being blocked from accessing my funds if they claim my account is already in closure.

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 2023-09-17
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attempted to make a payment on my loans. 6 days later, I received a notification that my payment was not processed, with no further information. Since my payment failed, I collected interest on the loans that I was attempting to pay off. Therefore, I lost money despite attempting to pay it off. I called my bank and they said no attempt to retrieve the money was ever made. I called Nelnet and was put on hold before being disconnected. The servicer is clearly not adequately prepared to help borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just paid a lump sum all at once in XXXX and I ran back into the same problem. I want to appeal my forbearance rejection and whatever I can do to stop this foreclosure process just for XXXX  months and I will catch up. But I lost my wife that's what made it hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: CA
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 contacted Equifax telephonically and sent repeated letters to them requesting the deletion of XXXX XXXX XXXX XXXX XXXX XXXX Accounts both ending in XXXX. One account was a credit card and the other a Line of credit. These accounts were opened up in XXXX and have not been paid on since XXXX. It has been 7 years since the derogatory information first showed up on my report. Both accounts have been Charged off. This information for both accounts should have been deleted from my report in XXXX of XXXX. No documentation has been provided to state otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: DISCOVER BANK
State: NY
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 have sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. Discover Bank. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these accounts from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$5800.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120000.00} XXXX XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$8200.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-27
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today XXXX XXXX I received a link from credit karma. It stated my XXXX XXXX disput had been completed and verified by XXXX XXXX XXXX I called XXXX XXXX and made them aware of XXXX XXXX had placed incorrect data. The had been made aware I could not afford the new rent prices. was going to move out before my lease was up. Move in XXXX XXXX XXXX XXXX XXXX. Made XXXX manager XXXX was aware and worked with me to prevent any negative actions. 
After speaking with repersentative she assurred me all the information requested allowed any derogatory information from my account. By it being placed wrongfully and having had a negative impact. It would be removed. I had to allow for her to take a dollar from my XXXX account. I told her I had copy of XXXX XXXX XXXX death and social security letter showing loss of XXXX XXXX  benefits. 
The next thing I recall was her saying the fee of XXXX would be deducted from my account and she was canccelling the monthly fee of XXXX. 
I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Someone from XXXX and XXXX called my son and ex-daughter in law and left voice messages referencing case # XXXX stating they needed to get in contact with me or my attorney or legal action would be taken. I blocked my number and called the number and was told that they were collecting for Wells Fargo for a XXXX  unpaid purchase of a {$36000.00} vehicle. The address they had for the so called loan was not mine in 2006. They had the last XXXX digits of my social, my current address, and name of previous marriage. They told me they had sent a letter offering me a chance to pay $ XXXX to settle the debt. I did not verify my current address and told them I had never received any correspondence from them. I have never purchased a vehicle from Wells Fargo and the name they said the loan was in in XXXX  was not mine at the time. I asked what kind of vehicle it was and they couldn't tell me. They said they would further investigate. I told them they should have done that first. I ended the call by hanging up.

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