BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased tickets from a seller on XXXX using Zelle ~ I paid them {$150.00} for 2 tickets Saturday XX/XX/2019 ~ I never received the tickets. My calls were blocked. I never heard from the Seller again. I contacted my bank, XXXX XXXX XXXX XXXX and they said they could not help me. I called Zelle and they also said that they could not help me. 
Please help me. There has got to be someone out there who can help me. 

Thank you ~ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Amsher Collection Services, Inc.
State: CA
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:
XX/XX/2021 Contacted Amsher Collection Serv XXXX Acct Mgr XXXX XXXX, notified him XXXX made a mistake this was never in collection and I paid {$100.00} off last year and closed this account. I asked him to remove this Fraudulent reporting from all 3 of the XXXX XXXX XXXX, he refused, and admitted they are representing XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX who is also collecting this fraudulent debit. I ran my 3 credit reports 6 months ago and thus was not on my credit report. Just this last week, it is now on all 3 Credit Bureaus being reported from the year XXXX, XXXX, XXXX, and XXXX - HOW CAN THIS BE! I sent XXXX  an email regarding all this a week ago and they have never replied, but yet my membership with XXXX  notified me just recent if all this " 7 '' times that it was reported against my Account and Social Security Number. I made a total of 4 calls this morning, all calls to XXXX  were recorded and the 1 call to the XXXX XXXX XXXX XXXX XXXX was also recorded, the female named XXXX from this Law Office was Argumentive and sarcastic polietly and refused to remove this fraudulent account. 

I Notified both Amsher Collection Services and XXXX XXXX XXXX XXXX  XXXX XXXX today that this account was paid off a year ago, and it's on my credit card and never in collections, and requested they remove their fraudulent reporting from all 3 XXXX XXXX XXXX from my Social Security, because the are reporting fraudulently and ruining my credit score that is affecting my credit/ FICO score to obtain Credit. They BOTH REFUSED TO ASSIST ME. 

( I also requested they put all my conversations and the info I'm supplying to them today in the notes of my account for future reference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the accuracy of information on my credit report, which I have brought to the attention of TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information, and as of the present date, they have not responded. I am providing the details of the inaccurate information and the required corrections below : Account : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8000.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Issue : This account is not mine. Please remove it from 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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-24
Company: BANC ONE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, my name is XXXX XXXX XXXX took loan application as a primary residence occupancy loan. They have arbitrarily changed my loan to a secondary without my consent, in addition new rates and fees have been applied including interest rate and insurance. 
My contract was based on a occupant for a primary residence. Im being forced and ignored. 
My loan number is XXXX with banc one Mortgage corporation The purchasing property address is : XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX i have signed the purchase contract as primary residence. 

my contact number XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
I am filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment of XXXX was posted on XX/XX/2022 into my Wells Fargo credit card account ending in XXXX. This payment did not reflect on the statement. The last day of the statement period was XX/XX/2022. Another payment for XXXX posted normally on my account on XX/XX/2022. These payments totaled XXXX. This was more than the total amount due, per the statement. Despite this, Wells Fargo 's software did not recognize that I had fulfilled my minimum amount due. As a result the Wells Fargo system debited my checking account ending in XXXX automatically for another XXXX on XX/XX/2022. This software error resulted in an overdraft and XXXX charge to my bank account. Wells Fargo 's policy on automatic account payment ( clearly ) states that an auto debit will only occur if the total of the payments in the account are less than the minimum amount due. In my case, I had fulfilled more than the minimum amount due. Regardless of this, the Wells Fargo system software auto debited my account anyway on XX/XX/2022 without my knowledge or consent. The next day on XX/XX/2022 I talked to at least 4 representatives who were helpful and polite but were not able to offer an understandable explanation as to what happened. Finally I talked to a credit card account escalation representative named XXXX. She was great, as were all the reps I talked to. She agreed the above occurred. On XX/XX/2022 I also talked to XXXX at the Wells Fargo customer advocate department regarding this. Both individuals ( XXXX and XXXX  ) understood what happened and assured me the issue would be addressed and corrected. However I actually needed to make another call to get the XXXX charge reversed. Sorting this out took 8 calls over two days totaling 135 minutes ( 2 hours 15 minutes ) on the phone in order to have the XXXX charge reversed. I was told the Wells Fargo system would still have a record of a bank overdraft against my account that could not be reversed, at least by the reps that I talked to.

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 2018-02-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We completed a short sale on this home XX/XX/17 and Carrington Mortgage was paid {$35000.00} from the short sale proceeds. The XXXX at the time of closing was {$58000.00}. The client has now received a XXXX saying she is being forgiven of {$79000.00}. Although we understand the XXXX is not the same as the payoff quote, we don't understand how there is such a discrepancy. I contacted Carrington on XX/XX/17 via phone and asked for clarification on the {$79000.00}. The rep told me she would have it researched and I would have a response in 5-7 days in writing. I never heard back from Carrington and our client can not file her tax returns without the correct information, so I called again today. I was on the phone over 3 hours and transferred back & forth between collections, customer service, short sale and the tax department. All parties indicated they can not see any information and are unsure where the number came from. So Carrington has issued a XXXX with information that they have no basis for?? The last rep indicated it is my responsibility to prove they are wrong by faxing in a dispute. I have just done so, however this is further delaying my client in filing her return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with XXXX, Equifax, XXXX as I need a accurate credit report. Inquiries Deleted and Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2018-12-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There was an old account appearing on my credit file with XXXX from XX/XX/2013 and now this account appears as a new account with some company named XXXX showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.

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 2023-03-31
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 filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.

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 2022-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizens bank is awful. They have done nothing to change the fraudulent activity happening in mine and my husbands accounts. On four different days, someone has hacked our savings account, making multiple withdrawals. First one was for XXXX, second one was XXXX, after freezing the accounts whoever is doing this was able to withdrawal another XXXX and another XXXX. I am extremely frustrated with this situation. Its unacceptable that its not being taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: WI
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 unauthorized inquiries on my report that Equifax has blatantly refused to remove and/or investigate. Furthermore, they have ignored all of my letters and/or requests for inaccurate information to be deleted or corrected. This is a blatant violation of the FCRA. I have sent letters, I have sent letters and I have emailed. Each time I've attached copies of an FTC report and copy of FCRA 605 b. And yet, the unauthorized inquiries remain with zero response from Equifax. 
Furthermore, they continue to report a legally unverifiable bankruptcy in which I've sent letters from Courthouse and XXXX  that state they neither report nor do they verify bankruptcies. Per the FCRA, if an item can not be verified by the original creditor it is to be deleted. 
These are at least two violations of the FCRA in which I'm allowed to demand {$1000.00} for each violation. 
I've been trying to resolve these issues with Equifax since XX/XX/2021. That is more than enough time and still Equifax had not done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I currently am the co-signer on my son XXXX XXXX XXXX 's loan. I pay {$100.00} per month on the loan with a current amount due of {$65.00}. When I looked at the loan balance only {$22.00} came off the principal amount. Looking further into the bill it show in the loan information section unpaid interest of {$52.00}. In the billing summary it shows I am being charged interest of {$77.00}. This is a significant discrepancy. I called Navient and spoike to XXXX ( Employee # XXXX ). When I asked her about this she told me I am being charge {$2.00} per day for interest. I told her about the difference in the 2 places where the interest was shown and she said that the higher amount was correct. So then I asked her why it shows current amount due as {$65.00}? she did not have an answer for that and kept repeating that I get charged {$2.00} per day. So I asked her that if I pay the current amount due every month does that mean my loan will never be paid off? she said yes that is exactly what it means. I told her that is ridiculous. How can you give me a minimum amount due and nothing comes off the loan in fact the principal grows. I think this is a deceptive practice on Navient 's part and they are taking advantage of young students. This practiced should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 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 2019-09-30
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid for the loan application fee. During the approval process our company merged with another company and my wife transferred her ownership to me. The entire time I stayed a W2 employee. they stated we suffered a income loss and wouldn't approve the loan. I have a credit score of XXXX, no debt but the two houses and a car lease. Income did not change. I think they figured out that this second house was on a leased lot with GA Power and they could not follow through with the rate they promised. They transferred my flood insurance to them as the beneficiary before we even closed. I had to track down my insurance agent and switch it back to my existing lender. Now that they denied the claim they won't cancel the loan request and stop requesting information to complete the process. I have left 6 phone messages, 10 emails and 10 text messages. I was assured on friday it would be taken care of by close of business. Still getting requests. Horrible response, will not return calls and will not complete what they promise. Horrible experience.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: AL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 Balance : {$670.00}.

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