BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had money missing from my account, I was never notified fees accumulated and I tried to resolve the issue and dispute it knowing it was unauthorized transactions and activities going on, but they wasnt trying to hear me out. I really think it was an inside job or scam going on this happen within the year of XXXX. I was younger never knew too much about a back account. I was staying in XXXX nc, had just relocated and the job I was working at refer the bank because thats who they banked with. That we can open up an free bank account. My account and information was tamper with. I have seen my information leak on the black web and the source where it came from was 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 explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Based on my investigation, the credit bureaus are misrepresenting the information because XXXX XXXX XXXX XXXX Mortgage 's reported that my mortgage increased by {$10000.00}. There was a forbearance taken which should not have resulted in {$10000.00} being added to my mortgage loan to give the appearance to the credit bureaus that it increased. I was told by XXXX XXXX Mortgage that it would not be reported in this manner to the credit bureaus which was untrue. I was led to believe that there would be no penalties for taking a forbearance. This process of convincing a customer to take out a forbearance and that it will have no impact on the credit score should stop. It is misleading and deceptive to a customer. In addition, XXXX XXXX is reporting the mortgage account one way on their " XXXX XXXX '' dashboard with a different balance than in another section of their website under the mortgage payment section. So there is conflicting payment information on the XXXX XXXX XXXX XXXX website for my mortgage loan. This appears to be a " glitch '' in their system that is unresolved which creates confusion for the customer. Their on-line website reflected conflicting information for my mortgage loan beginning in XX/XX/2021. Prior to XX/XX/2021, it was being reported correctly on their website. Their new enhancements with the " XXXX XXXX '' has created conflicting information in their system for my mortgage loan resulting in the way the balance is reported and shown to others.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
chase bank remove XXXX dollars from my business account.then my account is stocked.I have a lot bill have to pay.And I was call chase at XXXX.But still no work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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:
As I decided to buy a jet ski for summer fun my sales consultant told me that my credit had to be pulled to see if I was eligible for financing. He pulled my credit and told me I was not accepted for any financing due to several unknown items to my report. I then asked to see my report and there are many derogatory items that I have never applied for in my life. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One has been furnishing late payments onto my account despite me trying to resolve this issue with them multiple times. Capital One has no right to report neagtive information into my account without first following all the guidelines set forth by the the FDCPA, and FCRA. Regardless of my request for notices of negative information and all documents applicable to me in the event of fraud, capital one has not responded to me at all. 

Any attempt to speak to a representative to resolve this issue is waved off because " Nobody at Capital One has authority to help me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I did a loan modification with With nation star mortgage they told me not to pay my mortgage for XXXX months this was in XXXX  ever since then it destroyed my credit Ive tried to work with credit repair companies but its still on there and I also get threatening letters from nation star mortgage with my name on them and return to sender please any help on this matter will be greatly appreciated yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance XXXX {$530.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A prepaid card was issue in my name, i never applied for the card

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 2020-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I hold a credit card with Wells Fargo Bank. I reviewed the statement, considering using it during the Corona economic disruption. I discovered the interest rate is more than 22 %. In Florida usury rate is 18 %. Today ( XX/XX/XXXX ) I called the credit card unit at XXXX ( I had previously submitted an online request and didn't hear back ( possibly XX/XX/XXXX or XX/XX/XXXX ) and asked them to decrease the interest rate - especially since interest rates are so low. 

The representative offered me a 'payment plan '. This was quite silly because I didn't say I had any problem paying, I just had an issue with the interest rate being usurious. 

The representative reiterated that no adjustments were being made in interest rate, but I could do a balance transfer with a 4 percent fee on the balance transferred for a 2.9 % 12 mos period. Again, that didn't address the issue of the overall rate being so high and usurious.

It seems Wells Fargo continues to ignore Consumer protection legislation. Very sad.

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 2023-01-23
Company: EQUIFAX, INC.
State: TN
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:
These Hard inquiries was not authorized according to consumer law 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter These Hard inquiries listed below were unauthorized : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-24
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are trying to close in my dad 's house but freedom mortgage has refused to give my title loan officer the payoff. She has been asking since XX/XX/XXXX. We were supposed to close XX/XX/XXXX, but they told her, on that day, that.they didn't have my ID. I had sent them the weeks before. I sent it to the title loan officer and she sent it to them. 2 days later they still hadn't uploaded the I'd and still refuse to give her the payoff. This is our third buyer and we may lose this buyer with the delayed closing. 
It seems as though they are only delaying to get more daily interest from me. 
Please help as soon as possible.

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 2023-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXXXXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I don't remember the dates but it was something last year in XXXX XXXX or XXXX. Call them to see why I have unauthorized use of my card being charge. Deposits wouldnt showing up on time and balance often had errors

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 2021-08-18
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2021 and XX/XX/2021 I wrote to the head clerk of the federal court about proceeds deposited in the courts register as unclaimed funds. At this point I made the court aware that I had filed identity theft with the federal trade commission and IRS Department of Treasury and a cancellation of frauidary. The court uploaded the documents that I submitted to them to the docket. Next, I received an email asking me to upgrade from NetSpend prepaid card which I acquired in a separate transaction when I put {$700.00} on it a couple of months prior to NetSpend All-Access. When I tried to activate the NetSpend All-Access Card I received error messages. I called NetSpeed to try and resolve the issues and was told that they could not and would not activate the NetSpend All-Access Card until the dispute that was put in on XXXX, some 93 days earlier needed to be closed. I put in a request to closed the reminder of two claims put in with NetSpend on that Prepaid card. The one other complaint was closed without any effort of my behalf! Today is the fifth day and third business day since I requested that NetSpend cancel this reminding dispute when they originally told me that it would take one business day. I reached out to XXXX XXXX  regarding my trouble with NetSpend and they let me know that the IRS/Department of Treasury had created a checking account with funds available to me. In the meantime I have had several attempts on my life. I would greatly appreciate it if you can see to this matter as quickly as possible.

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 2023-01-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-03
Company: Braviant Holdings, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling my work, my relatives ( upwards of several repeated texts and calls every day! ) for a loan I dont believe I owe. They are leaving private information via texts to my relatives and at my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I need you to contact the major bureaus to demand that they erase my records completely so I can start over as unscrupulous people have been harassing me non-stop and are still doing so. I am a doctor and I need to return to my functions and I am being the victim of violations of my rights by local authorities causing me financial losses for which I have not been able to adequately defend myself and they are depriving me of all my privileges and properties I need your help please.

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 2022-10-20
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with Commercial Acceptance Collections on XX/XX/2022 about a collection account that was opened. It should have never been opened. The account has been closed because I was insured with XXXX. The XXXX reached out to them XX/XX/2022 and faxed letter of eligibility to help mitigate payment and removed account from my collection. I called the debt collector the same day and was told that the account was closed and that it would be removed from the credit report. Today, XX/XX/2022, I called to ask why the collection account hasn't been removed after filing a dispute with the credit bureaus. An agent rudely tells me that the account will remain on the report because people who have XXXX are still considered debtors unless they pay in full/out of pocket. My next step was filing this dispute.

Company response to consumer: Closed with explanation