BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
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:
XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Cred Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Cred Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/2018 and XX/XX/2018 but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.

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 2019-12-30
Company: WELLS FARGO & COMPANY
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I purchase a XXXX XXXX XXXX form XXXX XXXX XXXX at XXXX  for {$31000.00}. On the same day Wells Fargo Dealer Services was named assignee. On or about XX/XX/XXXX i asked Wells Fargo Dealer Services to remove there name off of my title and off my Credit. Wells Fargo Dealer Services refused to remove their name and form XX/XX/XXXX threaten me to make payments. And when i did not make payments they repossessed my vehicle. Well Fargo Dealer Services did not ever give me a loan or finance any thing for me. I asked Wells Fargo Dealer Services repeatedly to stop harassing me to make a payments that they did not earn or for Services i did not ask for.

Well Fargo Dealer Services have collected over XXXX form me by intimidating and threaten to deprived of property. 

On XX/XX/XXXX Wells Fargo issued a reimbursement check of {$4500.00} to me and proposal that Wells Fargo an additional {$300000.00}.

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 2019-12-30
Company: ERC
State: GA
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 am a victim of identity theft and this debt does not belong to me. 
Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2019 a representative from XXXX XXXX XXXX came to my home to sell me solar panels. When we got to the application process, I asked the representative if the credit inquiry was a hard or a soft inquiry. She informed me that the inquiry was a soft inquiry so I allowed her to move forward with the application process. I actually don't recall providing my social security number as part of the process. Upon checking my credit report, I noticed a hard inquiry from XXXX XXXX on my report. When I inquired with XXXX XXXX to learn what the inquiry was about, they informed me that it was in relation to XXXX XXXX XXXX. I informed XXXX XXXX that the inquiry was supposed to be a soft inquiry, not a hard inquiry. XXXX XXXX   investigated and said that because I received services from XXXX XXXX XXXX ( which I did not ) that the inquiry is valid. Regardless of whether I received services or not, the representative lied when she told me that the inquiry was a soft inquiry. For this reason, the inquiry should not be on my credit 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 2022-11-07
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My Complaint is against Spring Oaks Capital. This Institution has violated my consumer rights reporting claims that I owe them a debt of over XXXX $ that I do not owe them. I never received any communication from them before they placed derogatory information on my credit profile including no notification of my right to dispute the debt. Which is a violation of my consumer rights. They have slandered my credit report with erroneous information that has rendered me unable to be approved for new credit. I've sent written requests in XX/XX/2022, and XX/XX/2022 directly to the institution requesting that they send me validation of the debt or cease all reporting and collection attempts ( see attachment ). They have not responded in the allotted timeframe of 30 days which is another violation of the FCDPA. Yet still reporting this information monthly on my consumer profile. I went further and requested that XXXX Credit Bureau complete an investigation of completely verifying this account that they have also allowed to remain on my credit profile ( see attachment ). The results came back verified with-in a few days. With no explanation of the method of verification, and happily marked my ongoing dispute as resolved ( see attachment of credit report ). XXXX has failed to conduct a full and thorough investigation which is again another violation of my consumer rights as defined by the FCRA. Additionally, I have filed a complaint against them with the Federal Trade Commission ( see attachment ) for the negligence of both parties to operate by Federal statutes and guidelines. 
I want this erroneous and unverified information removed from my credit profile Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I receive a letter on XX/XX/2022 that was forwarded to me from an address, which I had over XXXX years ago. It states I opened a checking account on XX/XX/2022 and it was closed on XX/XX/2022. I did not open nor close any checking account. Someone at Wells Fargo either did or allowed this to happen by using my social security number, allowing the change of address, and accepting the applicant 's email address and false driver 's license number. There was no attempt by Wells Fargo to notify me of the opening or closure, other than a letter that went to the wrong address. I spoke with XXXX Wells Fargo employees today on the phone, and they told me to contact the credit bureaus. They did not make an attempt to safeguard my existing account with Wells Fargo.

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 2023-04-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX has violated my rights. I have been a faithful consumer with XXXXXXXX XXXX since XXXX, with 100 % payment history ( paid as agreed on time ), until UNTRUE, UNVERIFIED, INACCURATE information was reported. These late payments are in relation to a computer error, that happened on the side of XXXXXXXX XXXX After reviewing my Equifax credit report, I was made aware they are reporting inaccurate information. I immediately contacted Regions bank and their response " was contact the credit major credit bureaus ''. I was repeatedly transferred and told different information. My final attempt with XXXX XXXX resulted in a customer service Rep saying she would dispute the 2 late payments and it would be corrected within 30 days, I did not receive any communication regarding the outcome of that dispute. Nor did anyone call me to follow up with my dispute. I have exhausted all options with handling this directly with XXXXXXXX XXXX. I was left with no other option but to file a complaint. It saddens me that they don't value me as a good consumer since XXXX. Equifax is reporting UNTRUE, UNVERIFIED, AND INACCURATE 2 late payments from my Regions account ending # XXXX XX/XX/XXXX and XX/XX/XXXX. These inaccuracies are highly injurious to my credit. I have been denied a home loan due to this damaging inaccurate information. Per U.S.C. 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Trying to get Marcus to get a simple Wire Transfer has taken 2 days and it still hasnt been done. Their agents habitually lie, put you on hold forever and make up excuses that dont even make sense. 

I asked for XXXX wire transfers and it is the end of the day on XXXX they still have not been done. Not only that they can't even tell me what is the status of those wire transfers. On top of that, they can't even find the record of the XXXX wire transfer request This is my XXXX call of the day to these lying degenerates and they have put me on an hour long hold and still can't provide me the status of those transfers. And it is the same story every time you try to withdraw your money from Marcus. They will lie and do everything possible to make it really hard for you to withdraw your money. I have asked them do whatever verification they need to do but they will lie saying that they dont need any more verification and then when you ask to withdraw any money, they will come up with all sort of made up reasons and delay your transfers for days. 

Their verification department is so incompetent that they can't even figure out the right bank to call for verification. Just today they called up some random bank and got me on a XXXX way conference call to verify my details when I had nothing to do with that bank. 

Going by past experience, the worst part is that the person who will respond to this complaint will be a similarly trained in lying to CFPB and will make up some non sense response that won't even address the issues at hand. What else can you expect from the XXXX  bank on earth. 

Their first line of agents are so incompetent, I have just spent an hour and a half with an agent who has no clue how a wire transfer is even done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit report states that I owe {$1500.00} to Paragon Revenue Group. I called Paragon Revenue Group and was told that this was the correct amount and was given my account number to make payments. When I enter my account number and attempt to make payments, the balance of all accounts totals {$2300.00}. I called XXXX in attempt to dispute the incorrect balance and was told the extra charges are from a balance that was previously paid and removed from my report, yet they are still attempting to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Bread Financial Holdings, Inc.
State: MA
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:
On my credit report the account rating is derogatory, i find this to be unfair. I am in collections with this account which is XXXX XXXX, I am on a payment plan with XXXX XXXX  and I think the reporting should reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
OMG I beg of someone who is kind enough to call me and I can discuss this with you completely. I also have proves for every claim I will make. I have never dealt with identity theft and first time I reported it was 2017 I was persecuted in my country for being XXXX and working with XXXX XXXX XXXX on human right education. My family disowned me when I was XXXX. I work so hard and I am finishing XXXX University XXXX XXXX with duo degree. 
I am lost with this situation and I also supposed to get approval for apartment and I am still waiting on their decision to make they are scared when they saw my credit and I never had that lower. I come from different culture and specially when I attached the provided information for identity theft I guess they scared. 
I have morals. 
Please please please someone call me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Block, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My son had a blow-out and a destroyed tire, on the freeway near XXXX, Idaho. At XXXX XXXX  on XX/XX/2023 I cash-app 'd him {$200.00}, to help. It said " Completed '' on my end, with a green check mark. Cash App transaction XXXX. My son ( XXXX XXXX. ) could not get actual access to the money, partly because an old phone had been disconnected and because at some point he had changed it from a personal account with Cash App to a proprietorship account ( or at least that's what I understood XXXX to say, something to that effect ). Cash App REFUSES to reverse the transaction and refund me, despite the fact that both XXXX and I can both aptly verify our identities, our cash-app pins, etc. They also refuse to help XXXX on his end -- despite XXXX 's being able to verify his pin, and to furnish, if needed, his driver license ( scan and send, etc. ) and social security card, etc. I think Cash App is deliberately trying to XXXX us around and deprive me of money that is rightfully mine. I filed a complaint with the Better Business Bureau and with the FTC as well, and am waiting to hear back from them. IN CASES WHERE BOTH THE SENDER AND INTENDED RECEIVER VERIFY THAT THE MONEY WASN'T RECEIVED, IT SEEMS FRAUDULANT TO ME THAT THEY WON'T REFUND ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: DISCOVER BANK
State: GA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: PNC Bank N.A.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
PNC bank loan {$290.00} per month. On Friday XX/XX/2018 I spoke with rep from PNC collection dept.XXXX and made a payment of {$500.00} this left {$270.00} owed for XX/XX/XXXX. I explained to the rep I would try to come up with the money over the weekend but new I would pay that amount on Friday ( meaning XX/XX/2018 ) As I left for work on Thursday XX/XX/XXXX, XXXX pm I was met in my driveway by repo truck and my car was towed away.The earliest I could speak with a PNC rep was XXXX XXXX  Friday XXXX. XXXX at PNC received my call and explained I would have to go to local branch and pay cash {$270.00} del. amount owed and a Repo fee of {$400.00}. XXXX was unable to explain the reason the car was repo when 1 month behind so he forwarded my call to a call review line XXXX for XXXX to pull a recording of my conversation with the PNC rep on XX/XX/XXXX. A message was left and I was told I could check back within the hour to see if he had reviewed recording. If arrangements were made my car would be returned to me and fees reimbursed. I called several times thru out day with no answers and no call back from XXXX. After getting a ride to nearest PNC branch 45 min away I pay the {$270.00} + {$400.00} cash to PNC XXXX XXXX XXXX NC and wait for a XXXX XXXX to call PNC Collection # to confirm payment and fax copy of rec.to XXXX. Rec sent XXXX explained 30 min. wait and I could call XXXX XXXX to get car released for pick up at repo lot. I wait then call to have a rude lady state I would now have to pay the current bill {$290.00} due XX/XX/XXXX late after XX/XX/XXXX. I go back to PNC Bank explain to XXXX XXXX what has taken place and now the system is down so he and I both wait to get thru 45 min. later I am told once again I can wait 1 hour to call XXXX to have car released. It is now XXXX Friday XX/XX/XXXX. and I am given Vin # and contact information of where the vehicle is. The storage charge is {$450.00} due at appointment earliest available Monday XX/XX/XXXX at XXXX 2 hours away. No one at PNC can explain why my vehicle was reposed less than a month late and no one has returned my call about reviewing my call on XX/XX/XXXX. Still no car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. I have sent 10 previous letters to the credit bureau requesting the documentation used to verify the dispute. And remove inaccurate information from my file and have failed to do so. I believe thats a violation of the FCRA In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

To prevent any confusion the accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-29
Company: Comerica
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
well I was trying to make a purchase, & Declined & also I dON'T I should have ro do a XXXX survey when ever I want to check my balance on account.

Company response to consumer: Closed with explanation