BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called Equifax twice and went through a long validation process to unfreeze my account. I also enrolled in XXXX XXXX that shows my account is still frozen. I am not able to apply for credit when it's still frozen against my wishes. This 2nd time I called equifax, I told them to unfreeze my account until XX/XX/2018 and it has not even been unfrozen. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: AL
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:
This issue is an existing problem which Equifax wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX  XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX  XXXXXXXX, XXXX XXXXXXXX, XXXX   XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Sequoia Financial Services
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received my first notice today, XX/XX/XXXX and received a mysterious invoice requesting a wire transfer to XXXX XXXX for the amount of {$25000.00}. This invoice was sent by Sequoia Financial Services with address : XXXX XXXX XXXX XXXX XXXX, and located in XXXX XXXX California. This invoice included a Client : XXXX XXXX XXXX XXXX XXXX, Date of Loss : XX/XX/XXXX, File No. : XXXX, and XXXX XXXX : {$250000.00}. Additionally, this invoice indicated that this was the " Third notice '' that I have received of this " debt owed '', when it is the first time I have ever received a notice from this company. Upon further reading, the invoice letter stated that I have ( 20 ) days to pay this debt. The letter was signed by a XXXX XXXX, Account representative with phone extension XXXX. At the bottom of the letter, there are 2 options to pay via XXXX XXXX or by directly writing in a valid credit card account number with expiration date, and a signature line. Sequoia Financial Services is not XXXX XXXX Accredited and have had 16 complaints filed against them within the past 3 years. I am reporting this now because other users have claimed that their credit was affected by this scam company, as they fraudulently reported false debt owed to XXXX and XXXX and I want to be proactive with this to ensure my credit is protected from false negative marks by Sequoia FInancial Services. 

Additional information. I was previously contacted by a credible debt collector for XXXX XXXX involving a collision I was involved in and have since been placed on a payment plan to resolve this debt, of which, did not total to {$25000.00} in damages. Thus, this letter strikes me as fraud because the debt to XXXX XXXX  is already being accounted for and consolidated on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was XXXX but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to Experian as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. 
XXXX admitted the mistake and informed Experian To daet here is no change or correction to my low incorrect credit score. Legal action against Experian and XXXX will follow shortly after my administrative channels have been exhausted.

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 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Basically my account got locked a few months ago for no reason. I then called in and they said they needed to verify where the money was coming from after 2 years of use they ask for this after routinely making payments of XXXX and XXXX a month and often times paying it off monthly. 

I then sent in documentation that says I am the owner of the account even tho it is under a business bank account on a personal card. That did not suffice. 

Here I am months later, still locked out. Cant pay my bill and cant use another account to pay on it either. They have since tacked on fees and credit derogatorys and are unwilling to budge so this is my only route

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have notified XXXX XXXX XXXX that an account in the amount of {$71.00} does not belong to me. Yet they still report it on to my credit file. I have also notified Equifax yet my request has been ignored to remove from my credit file. I am a victim of identity theft and did not open or authorize this account or at any establishment that XXXX XXXX represent. I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I will be forced to sue all CRS 's reporting this account and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a dispute on XX/XX/2018 asking FirstSource Advantage LLC to validate debt of {$230.00} I was looking to get full accounting of the alleged debt. I received a print out of an account summary from XXXX XXXX XXXX  and without any of the other information requested from my debt validation letter. Under the Fair Credit Reporting Act I have the right to demand they disclose all the documentation requested from my original letter that was sent on XX/XX/2018. I do not have a contract with FirstSource Advantage LLC. Please send bonding agent for FirstSource Advantage LLC. in case if legal action  becomes necessary.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry  from XX/XX/2020 XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/2020 inquires are not mine or unauthorize

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 2021-06-03
Company: CITIBANK, N.A.
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:
On my Citibank credit card, I had 2 balance transfer offers with different rates. Offer 6 had an interest rate of 0.99 % which expired on XX/XX/XXXX and was transferred on XX/XX/XXXX to the Standard Purchase rate of 19.99 %. Offer 5 had an interest rate of 1.99 % which does not expire until XX/XX/2022. The minimum payment due on XX/XX/XXXX was {$130.00}. When payments were made on XX/XX/XXXX and XXXX, the minimum payment due should have been applied first to any interest due, then to the lower interest rate balance of Offer 5. The remainder of the payments should have been applied first to the balance with the higher APR, which was the standard purchase balance from Offer 6. Another payment was made on XX/XX/XXXX, which should have been applied in the same way and would have paid off the standard purchase balance from Offer 6. For some reason Citibank transferred the balance of Offer 5, which was not supposed to expire until XX/XX/2022, to the standard purchase rate. There is no record of that transfer on either my XXXX or XXXX statement, as there is for the transfer of Offer 6. I am uploading copies of the letters I sent to Citibank and the letter and statements I received in reply.

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 2018-02-10
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
Im going to start off with Section 609 of the FCRA to provide the proper documentation of an original signed contract with my signature, and This company XXXX XXXX XXXX does not have of mine. XXXX did not investigate these accounts properly nor did Experian If XXXX XXXX XXXX cant provide my signature on a original signed contract then these accounts must be deleted. One document I submitted is what XXXX XXXX XXXX sent me when I asked them to send me an original signed contract with my signature.

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 2021-04-28
Company: Carvana Group, LLC
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 have a hard inquiry from a company I dont even have an account for and I dont remember applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, 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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt 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 recently which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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 extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX   XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX AT XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2020-07-08
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Applied for and received loan XX/XX/XXXX. Amount of XXXX $ They stated they were taking upwards of XXXX $ out of loan to register and pay any late fees associated with registration. 
i was informed that I will receive registration in mail within 2 weeks. 
2 weeks after I receive loan my car was impounded for lack of registration. 
It took 3 days for me to get a hold of someone at the XXXX XXXX- and I had to inform them that the registration wasnt valid. 
Without my knowledge they taken my car out of the impound around XXXX XXXX XXXX  and dont inform me until XX/XX/XXXX. 
I am fired from my job because my manager, XXXX XXXX, doesnt believe what I am telling him about my cars situation, because its simply the worst luck hes every hear someone having. XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX  releases my vehicle to me stating that they Are adding the impound, tow, and repossession fees to my loan. ( My first payment hadnt been due yet ). Not until XX/XX/XXXX. They will tel you that its XX/XX/XXXX, but since car was impounded- they decided to unconditionally waive the first month. 
My vehicle was repossessed XXXX XXXX. During the covid lockdown period. When I asked them why a non-essential business was doing things like this, they told me to get a job. 
I was evicted from my apartment 2 weeks before and had been living in my car. 
No one from 800loanmart called me. It took me 2 weeks to find my car. Which is now up for auction. 
I am homeless, no job and I cant get a job because they are closing gyms again. And I have no car. Please help me. This company has destroyed my life. Please help me. They didnt follow their first responsibility when obtaining my Title. This is wrong. I dont know what to do, and I lost all my medicine- I am a severe XXXX and have died from XXXX attaks before. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX closed with no notice whatsoever to account holders. I drove by the branch this morning, the signage was removed and a big sign indicating the location was for sale was placed on the property. It is my understanding that regulated banks must give notice of closure to the Comptroller of the Currency before closing. I could find no record of such notice being given before this branch was suddenly shuttered. Wells Fargo continues with its unabated pattern of unlawful behavior.

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 2021-06-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and another 30 days late in XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Bank of America won't give me the {$1100.00} remaining on my deceased daughter 's EDD card. ( I am her heir. ) They received all the required paperwork last XXXX 2020, and the required authorization from EDD, and have told me the disbursement team will send me the check, but even after getting my state Senator 's office involved... nothing! 

The beginning of XXXX I was told I'd receive the check. The end of XXXX I was told I'd receive a call back telling me when the check would be sent... nothing! 

No calls, no follow ups, no check! 

Even after the Senator 's office gave me an email with the authorization she received from the EDD, it took me two phone calls, talking to multiple people, to get them to say they'll send me the money, but still... nothing!!! 

My Bank of America case # 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 monetary relief
Consumer complaint received 2021-06-03
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I didn't know about this judgement. Never received a notice. However, I was never severed by mail, I wasn't residing in the State of Michigan for the past 5 years. The debt, must be a charge off creditor. However, The stature of limitations has been longer than 7 years, of no payment or contact, by mail and or phone. Time barred account. They took my income tax, I filed with the state of Michigan. This is a ROGE collection company. Looked up their history, in doing business with people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX i was charged off an existing account with Wells Fargo Bank in XXXX OR for {>= $1,000,000} US i was left insolvent. It was made a case number created in XXXX of XXXX. I was directed by my law firm XXXX XXXX to the US treasury in Washington DC. I was directed to Sam.Gov and help it in the proceedings details.I held it as a Fixed Asset It was changed to a US Federal Grant Assistance Admin Art.III.S2.C1.6.6.2 Associational Standing Federal Consumer Credit Protection Act I used Proceedings Details as a service of proceedings. I filed an article 246 in the XXXX constitution in reasonable time to the void date. To intercept the authority of parliament. And grant it back to the states in the organization needed to finish. Sam. Gov directed me to negotiate with the bank. That same day i received some checks in thew mail. From a Wells Fargo NA in XXXX XXXX. By that time it was clear to me What Wells Fargo needed. everything I spoke to with the Gentlemen that day. I have accomplished. I have reduced the burden of proof and the burden of assets to the value of the {>= $1,000,000} US in the charge off from insolvency. Filed the XXXX to XXXX in the XXXX. 15 USC subchapter V 1692k 1692l registered agent was brought in as an Attorney in Fact for my franchise supplemental ands supplanted was filed in the Article 246 close LLC was opened in Wyoming. It is illegal to add a date to a mortgage deed. The XXXX XXXX XXXX  had to be done that way in Sam.Gov with me 34.1-2A-404a Equal Access To Justice Act Sam. Gov made it a US federal grant assistance admin. I linked the account number with the Wells Fargo NA. I filed the XXXX financing statement with the four corners rule that it appears to be right on it's face. XXXX the addendum and XXXX 3 assignment to Q-56, Q-57 and Q-58 the four corners was made in a timely frame 2 CFR 200 FFATA as amended by section 6202 ( a ) supplemental funds section 5367 and I am acting as a financial provider 1026.15 ( f ) ( 1 ) ( 2 ) 28 USC 1333 ( 1 ) ( 2 ) for the franchise dispute resolution in a XXXX reject remedy standard for XXXX was sent in route Friday XX/XX/XXXX Am requesting that the Notary and information be correct for the US Federal Grant Assistance Admin for Wells Fargo Bank I have to give a Notary Public i had to build the trust and the mortgage to correct my situation. Please allow my identity here to be what the bank has. I talked to them here at CFPB yesterday of the day before and my information wasnt correct in the CFPB my personal information.

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 2020-03-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX  XXXX {$620.00} XXXX  XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX  XXXX {$120.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  XXXX  XXXX {$930.00}

Company response to consumer: Closed with explanation