BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Nathan & Nathan, P.C.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a summons on XX/XX/2023. I sent a response to that summons on XX/XX/2023 certified mail and it was received by the plaintiff on XX/XX/2023. Today XX/XX/2023 I received a package from the plaintiff where it was dated XX/XX/2023. This package had a letter with one sentence on it stating these documents validate the debt. The package also contained several statements from the prospective credit card company. I have no knowledge of this, and they are not giving me the rights to appeal or contest. They also have not verified the debt with these statements. The notice did not include any of the communication that they tried to contact me about this said debt before issuing me a summons. The notice did not include any of the following : A statement that the communication is from a debt collector The name of the creditor you owe the debt to The account number associated with the debt ( if any ) ( shows all Xs except last four digits ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: TX
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:
When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : XXXX XXXX XXXX. Which is not even connected to an open account.

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 2022-12-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Ive disputed accounts with Experian, XXXX, and XXXX dated back on XX/XX/2022. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 2023-02-01
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

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 2023-11-13
Company: Aspen Yo LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I called and spoke to several different representatives, and was told different information each time. I was told XXXX  by XXXX that they had everything they needed but it would take 4 weeks to get the funds back to me. I have been out of my home since XX/XX/XXXX of this year. I have the contractors ready to start and Gregory Funding is keeping me from getting back in my house this year. I have paid my payments on time and I am very frustrated. I really feel that Gregory Funding is only looking out for them as I have been out placed for 5 months. I would like for them to speed up the process where I can get into my home by the end of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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: Account information incorrect

Complaint:
My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through XXXX, Equifax, and XXXX but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo froze my money and closed my account and will give me no further info. 
This has happened XXXX different times now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: IA
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:
There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the XXXX  app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If XXXX  had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call XXXX  and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
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/XXXX, I was charged {$510.00} and {$640.00} my credit card account through Wells Fargo. I did not have my card in my possession and did not authorize anyone to use my card. I am single and have no other authorized users on any financial account. These referenced charges are fraud. I have never made any purchases at XXXX XXXX. At the time of the fraudulent charges, I was in the XXXX XXXX area. 

Texted yes to fraud on XX/XX/XXXX Phone call with Wells Fargo starting XX/XX/XXXX ( about XXXX calls ) Police report XX/XX/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 2022-12-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in the mortgage process with Wells Fargo for XXXX months. They have done a hard credit check XXXX different times for the SAME loan hurting my credit score as tracked by credit karma. XXXX different underwriters have requested the same documents multiple times and their questions are juvenile. Every time I call, the person I am trying to reach never answers and I am put into their voicemail. The managers extension to which I am directed on email is no longer a working extension. I am a week away from closing ( established XXXX months ago ) and they are again asking for the same information that has been given to them XXXX time prior. This is the most irritating and worst experience in the world.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute with the Credit Bureaus requesting Deletion of student loan account ( XXXX XXXX ) account # XXXX due to several inaccuracies that is being reported between each credit bureau XXXX I submitted my credit report and highlighted each item that was inconsistent. Approximately a month later I received notification from the bureaus that the account had just been updated. I printed my new report to find that the account ( XXXX XXXX ) still read incorrect information. The bureaus stated that the XXXX XXXX XXXX Account was properly investigated, but how is that possible when the account status dates are inaccurate, the date opened is inaccurate, date last reported is inaccurate, comments, and date last active is inaccurate. This is grounds for the account to be removed. 

The credit bureaus violated my rights under 15 USC 1681 section 604A section 2 : which the law clearly states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes. In this case I was never notified of receipt of my dispute.

The bureaus also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states that if items are found inaccurate or can not be verified the consumer agency reporting shall promptly delete the information from the file of 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 non-monetary relief
Consumer complaint received 2022-10-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 i visited XXXX XXXX! XXXX. I attempted to use their cash advance machine ( XXXX ) as i've done so many times these past months. On this date however, i was unsucessful in completing a transaction because that particular function was down ( as told to me by the employees at the cash booth ). They suggested that i try again later that afternoon which i did -- and several times at that. I still could not complete the transaction on any of the machines i've tried. I kept getting a message saying something to the effect of 'unable to complete transaction go see cashier '. 
A short while later i went home. I decided to check my bank account and found that the amount i tried to get along with the service fee was withdrawn without my authorization. The cash advance machines did not give me an approval message and receipt to take to the cashier booth to process and receive the requested amount ( {$4000.00} + {$160.00} service fee ). At their suggestion, I filed a fraud claim with my bank that same day which has since been denied twice. I stll have not received the documents that i've requested that brought them to this conclusion. I've recently filed both a debit dispute and merchants dispute with the bank - again, at their suggestion but i haven't heard from them yet. Since the incident i have been keeping communications with the casino and the company that provides their cash advance machines XXXX XXXX to sort this out and retreive my funds. The XXXX XXXX referenced the transaction attempts, both date and times and gave their findings to XXXX whom led me to believe for the past few weeks that they would put the money back into my account but only with the assistance of my bank. The bank however, doesn't want to deal with merchants. Recently ( XX/XX/2022 ), XXXX now says to me that all of my attempts on their machines were blocked by my bank and yet, the withdrawal was made. On XX/XX/2022 I received another letter from the bank stating that an additional review of the 'original claim ' of fraud did not occur even though I have changed the nature of my claim. They also claimed to have called me by phone again unsuccessfully - my caller id reveals no such attempts at all. I am always near a phone and do not subscribe to voice mail. It truly feels as if all parties involved are avoiding responsibilty. It's been almost XXXX weeks now and other than hiring a lawyer I am running out of options. This has been affecting my health and my work. Please, someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I made a payment of {$160.00} and it's in dispute since XX/XX/2022 they will not remove this amount while it's in dispute. I've sent them the cancel check from my bank. And they are still adding interest fees to this amount. Please help. Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: LEXISNEXIS
State: VA
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 lexis nexis to dispute items they are reporting are inaccurate and they are providing this inaccurate information to the credit bureaus. They have refused to verify this information because they are unable to. I contacted the courts and they stated they did not provide any information to lexis nexis lexis nexis just search their portal so they dont no if its accurate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report.FTC ID  Theft Report # 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 2022-05-17
Company: Experian Information Solutions Inc.
State: TX
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 have sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously

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 2022-07-08
Company: GreenSky, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Applied for a project loan through Home Depot in XX/XX/2021 for a window project. the loan was good for 6 months, so the project had to be completed prior to that. the project was completed, and Home Depot representatives never completed the loan charging process, and now expect me to either pay the difference, or reapply for another loan. they could just call the finance company and explain what happened, but they refuse to do so. I had spoke with at least 5 employess over the course of the past month and they all acknowledged that they seen the project loan in the system, yet no one chose to proceed to bill the project loan that the job was complete. All I want home depot to do is honor the original loan agreement which was for {$7800.00} I believe, instead of making me have two loans due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Rozlin Financial Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made 4 different attempts to validate this debt with RFGI, I requested the company send me A purchase agreement they have with the " original creditor '' that gives them the right to collect and report this debt to my credit report. 

Also a original contract proving my liability for such debt They did not provide me with any of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: EOS Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Opened XX/XX/2017 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Information EOS CCA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance due is {$540.00} I was told when leaving the Hospital that there was no outstanding balance due because my health insurance covered the expense and all I had to do was pay a co-pay which I had done. I now noticed that they say there is still a balance due and it has been sent to collections, I have tried calling the creditor numerous times to understand and resolve this issue but have not been able to get in touch with them, and the voice mail message is for a different extension number. I am in need of help thank you.

Company response to consumer: Closed with explanation