BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were with Wells Fargo for many years. We have refinanced at least 2 to 3 times. Always had a problem. Especially with timing and decision making. Also high costs.

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 2020-03-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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:
I received a call from XXXX on XXXX at XXXX from a lady who was beyond rude to me and over powering in regards to a payment that I've been unaware of. Upon her demanding a payment from me i explained how this nation is on a state of emergency due to Covid-19 and i am out of work so i can't pay today. However instead of giving me payment options she over talked me. From that point i asked to speak to the supervisor! A guy named i believe XXXX got on the line and I explained to him the situation thinking hell be more helpful but it was worse. I told him i want to discuss my options and he gets real loud and combative with me i responded " excuse me sir but as a costumer or a civil human being your not going to raise your voice at me nor talk to me like I'm a kid ''. This supervisor then states " your not my costumer and okay if your not a kid then listen ''. His rude remarks left me no choice but to thank him for the phone call and i let him know I will be taking further action. I reached out to my friend about this business to get more information and see how to file a complaint. She told me this will be the best route. To ensure the accuracy of mt statement i recalled the number and ask the male representative that picked up if i can have the names of the people i spoke with. He couldn't find me by my first and last name and told me i got two options, " Give me your social or I'm hanging up this call ''. I said well i don't feel comfortable giving my social but if i have to however can i have your name so i know whom I am talking to. He bypass that question and asks for my social once more and because i wanted his name he hung up in my face. I am unsure how to go about this situation and hope this review could lead me to accurate results.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed this company because there were discrepancies reporting on each of my credit reports. They have been reporting the incorrect information for years. Instead of deleting this from my credit report they updated the information. I was wronged by this company for falsely reporting and updating information when it was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone pickpocketed at a bar/disco on XXXX. They were able to unlock my phone & send money via texts, totaling {$5400.00}! I didn't realize anything until my XXXX  Watch notified me that I had left my phone behind. I asked my friends for help & began searching. It was eventually found on the bar with my wallet ( attached to the case ) so I assumed all was ok. The next morning, I notice on my laptop texts to numbers I don't recognize. I look & see that they are payments and get concerned. I look at my phone but all these questionable texts are deleted. Then I notice my NFCU & other banking apps are also deleted. I immediately call my bank, start changing my passwords, cancel my debit card ( was in my wallet ), etc. I had just gotten paid & my auto drafts ( mortgage/bills ) hadn't completed yet. Because of that they were able to take a large sum from my checking account and once that was drained, the {$1500.00} overdraft protection I have in place was maxed. Then my savings kicked in to cover the funds being sent out. My bank makes it sound like everything would be ok & place a provisional credit to my accounts for the total amount taken. A month goes by & my bank immediately pulled out the {$5400.00} ( again ). I call to ask what happened & they say the incident occurred on a 'recognized devise ' so they are not covering the fraud. I appeal explaining the situation again, providing screenshots of the texts, watch notification, police report, ect. Then yesterday I call for an update ( because they've NEVER provided any ) & was told that they again will not cover it because the transactions were approved. They clarified that by saying that the system had send texts confirming Yes/No and " I '' replied yes. BUT since my phone was not in my possession then, that wasn't me. Why would I make multiple, rapid, large late night ( XXXX ) purchases? To numbers not saved in my phone? Totaling {$5400.00}? That totally drained my Checking/Savings accounts & maxed my overdraft? Clearly that wasn't me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: FORD MOTOR CREDIT CO.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been a Ford Motor Credit ( Account # XXXX ) customer since 2018 and during that time, I have enjoyed my experience with Ford Motor Credit greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX college student without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that Ford Motor Credit is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Ford Motor Credit. With  todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Ford Motor Credit has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ford Motor Credit is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 explanation
Consumer complaint received 2022-04-11
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I directed a {$200.00} payment to XXXX XXXX to my PayPal account. In my Paypal account, my " preferred method to pay '' is set to my PayPal XXXX. When I checked my PayPal account, the {$200.00} transaction is incorrectly listed to post to my XXXX XXXX instead of my PayPal XXXX. This is an error. I have sent multiple messages and have made multiple phone calls to Paypal, and they are either unwilling or unable to help me. See attached PDFs for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: EQUIFAX, INC.
State: HI
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:
XXXX XXXX has tagged me with a phantom account and reported it to XXXX, Equifax and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, Equifax, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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 fair credit reporting act XXXX  15 USC 1681 section 602 A states I have the right to privacy.15 USC 1681 604 A section 2 It also states a reporting agency can not furnish a account without my written instructions. 

Accounts 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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX MS XXXX XXXX XXXX XXXX  XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-02-27
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( addresses, account, or inquiry XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX XXXX XX/XX/2022 XXXX 
;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Apartment complex falsified a debt, claiming broken down unit that they never fixed for the XXXX XXXX  l lived in that unit. 
XXXX XXXX XXXX the office collected my deposit on the XXXX day, refused to show me the unit l will be renting, instead they took me to a model unit that was in perfect condition. They claimed that the unit l will be renting is still be cleaned. When they finally gave me the key to the unit l will be getting, it was no where close to the model unit they took me to. When l complained to the XXXX she said l will not get my deposit back if l don't take the unit they are giving me. Been that l was almost XXXX XXXX XXXX with a then XXXX XXXX XXXX daughter, and the thought of losing my hard earned deposit, l took what l was provided with. The management never changed anything in the unit for the XXXX XXXX that we lived there. 
Now l broke my lease because the living condition has become unbearable with mold and roaches in the unit ; and they withheld my deposit of {$1100.00}, reported me to collection agency, that l owe them {$2000.00}, even after keeping my deposit of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-09
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
So I XXXX XXXXXXXX on XX/XX/XXXX. I had XXXX and ended up using my XXXX XXXX credit card XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PNC sold my debt to a collection agency, who offered me a deal to pay off what I owed to them and I payed it in full. Now it's been haunting my XXXX XXXX for 2 years. It's difficult having to pay down payments for things and the payments are almost the whole price. I've did my payment. I've done my work. The only thing I owe is federal student loans. Why is this still XXXX  down my score?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian continues to report inaccurate information without verifying proof of this account belonging to me. I have requested countless times the original signed contract for this creditor and they have still not been able to verify this account, yet they continue to report it. It has been deleted from both of the other credit reporting agencies and yet they refuse to remove or reinvestigate the item. I have sent them supporting documentation that shows the other bureaus are reporting my account accurately while there's is not. They have been combative and unwilling to help resolve my situation. I have not been provided any documentation of this proof and if they continue to unlawfully report this I will have no choice but to proceed with legal action. They also have refused to reinvestigate items that remain to be inaccurate based off discrepancies with the other bureaus.

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 2023-10-17
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
been now several days, and still have not received provisional credit as promised by staff, within XXXX hours for dispute # XXXX. i would like my provisional credit that was promised MULTIPLE TIMES to me!

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