BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi Im XXXX XXXX, Im writing this because a few days ago, I was on XXXX and the scammer was selling a XXXX XXXX logo Sweatshirt for XXXX US dollars. I was really excited about getting this sweatshirt which was like the holy grail of all XXXX for a great price. When I bought it and checked out He sent a refund and said I dont like XXXX, lets use the XXXX app instead so I went over to the XXXX  app and tried sending the XXXX dollars to him and I kept getting declined so I told him I couldnt use the XXXX app because theres problems with my card. I called my bank Wells Fargo and asked them if they could unblock my card which is what they did. After that, He recommended XXXX which was a way to send money through the Wells Fargo app. He said he would send out the hoodie when I paid. I paid him the XXXX dollars and then he gave a shipping number and said yep Ill ship your package immediately. So I was happy and all then a few hours later I contacted him asking what the tracking number because I wanted to make sure it was the right one because it wasnt moving anywhere. He read my text and didnt reply anything. Ive been trying to contact him for 3 days now and Ive gotten no response. When I check my shipment through the usps app it says label created, not yet in system. Its been like that for 3 days also. I am strongly confident that he scammed me for the money and just left. If you could help me out that would be appreciated. 
Please and Thank you, 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 2020-06-02
Company: Experian Information Solutions Inc.
State: MA
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:
I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted experian and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on 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
Consumer complaint received 2017-08-08
Company: Summit Financial Corp.
State: GA
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:
On my credit file dated XXXX XXXX, 2017 I received an update to my XXXX credit report from Summit financial. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called XXXX and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to summit financial in order to get corrected updated information, and summit financial REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following items were listed on my credit report and they do not belong to me : XXXX account number # 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 2019-05-29
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjust - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Girvin & Ferlazzo, P.C.
State: NY
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 have been receiving calls from Girvin & Ferlazzo, PC within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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:
The accounts on the list bellow are fraud some one used my personal documents and open the accounts on the list that accounts not belongs to me this is a 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 2020-08-31
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/XXXX I attempted to use the card which is managed by a government 3rd party organization called XXXX XXXX to get an XXXX and the charge was denied. When I contacted the financial institution to find out why the agent " XXXX '' told me that the purchase went above the limit and I'd have to contact the managing organization to raise the limit. 
I asked him could I transfer money from it, he said no. I asked him what can I do with the card and he mentioned they have full control. 
I asked him can I cancel the item. He repeated the question to me " Can you cancel it? '' and I said " did I studder? ". 
There was a long silence and after about 10 seconds I said ''just transfer me to your supervisor ''. At the same time I spoke, he spoke, saying " I've cancelled your card and now I'm transferring you ''. 
He immediately transferred me and the hold music started playing. 

When the supervisor " XXXX '' got on the phone I told her what happened and she said there was nothing she could do. Of course naturally after hearing this lack of empathy from her I lost my temper and I started yelling, and rightfully so. 
I never said to cancel the card, and did I studder means exactly that. 
It meant I didn't say anything else other than what was said and it was a simple question -- -- ->>>>>> " Can I cancel the card? ". 
I was simply finding out what I could do with the card. 
I asked question after question after question. This is not a misunderstanding. He did it out of anger and retaliation. 
Also when I hung up on 'XXXX  ' I called back and escalated it to the next chain in command which was 'XXXX ' and XXXX confirmed it's possible it was cancelled out of anger. 
I requested for a call back to find out what happened after they conducted the investigation for transparency. 
Nobody called. 
I've provided proof from my phone logs that I did call them and that the event did take place over my phone.

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 2020-12-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently completed a loan rehabilitation of my Parent Plus loan we took out for our son some years ago. The loan defaulted due to non-payment by our son. We then worked with XXXX XXXX  XXXX to create a rehabilitation plan to bring the loans in good standing. We made the scheduled nine payments of {$1000.00} and the loans were then transferred to XXXX ( new loan servicer ) in good standing. As part of the signed agreement that I provided to the credit reporting agencies, it states on paragraph 10 item C, Department of Education will request that credit reporting agencies remove the record of default on the rehabilitated loans. As of today, the record still remains on my credit report and is prohibiting me from obtaining credit. It is the only blemish on my credit report and needs to be removed based on the agreement we signed with XXXX XXXX  XXXX who represented the Department of Education in this matter. I have contacted the Department of Education, XXXX XXXX  XXXX and Credit Reporting Agencies to get this resolved and nothing has happened as a result. The credit reporting agencies reported that the Department of Education denied our request to have the accounts removed. Please help me get these accounts removed from record as I feel I have done my part to rehabilitate the loans and all I ask is the Department of Education to do what they agreed to do in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person called up and stated was I purchasing or purchased a computer on XXXX and being sent to Ohio. I stated I dont know anybody in Ohio and no I did not purchase a computer they asked me to go onto my XXXX account and check which I did and then they told me to go onto my online and run a test to make sure and see if it was taken out of my account {$990.00} later I am out I filed a police report and reported it right away to M & t Bank and they say its under investigation I am a new customer there. This is the first time Ive ever done banking online I will never do banking online again. I had not even or ever tried any of the other features on the online banking app at M and T now they have it under investigation and I am not sure if they want to return my money which they should. I am very upset I am out {$990.00}

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 explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors.

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 2020-12-10
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to XXXX to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION, and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX  XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.

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 2020-12-10
Company: Self Financial Inc.
State: AL
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:
Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/21 and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX ) was disputed back in XXXX and XXXX XXXX XXXX but still shows on Experian date last updated on XXXX XXXX. This a violation of FCRA rules for not following through with sufficient reinvestigation. 

Please see attachment ;

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}

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 explanation
Consumer complaint received 2018-07-12
Company: Caliber Home Loans, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I endorsed an insurance claim settlement check and sent it to my mortgage holder. I completed 50 % of the repairs and this was confirmed by the mortgage holders home inspector on XX/XX/18. According to the mortgage holders ' procedures, they will then release at least {$40000.00}. I submitted all documentation requested on more than one occasion. The bank insists that I send them a signed contract with my general contractor. I have informed the bank that I have not yet hired a contractor for the kitchen repair. I have signed a contract with a window replacement company and have submitted a copy of that contract to the bank. I have and I am doing most of the work myself and only going to use a general contractor for the largest part of the job which is the kitchen construction work. I am using the " savings '' of self repair to re-build with upgraded materials which improves the value to the property. I need my first insurance proceeds draw NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
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:
inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days

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 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America Master Card charged a {$25.00} late fee and {$8.00} interest charge for the XX/XX/2020 billing period. 
The United States postal service was extremely slow during this period, as is very common knowledge. Their bill was received late and the payment was also likely delayed. 
My payment did show up on the XXXX invoice, so the payment was not so late. Charging late fees and interest when everyone knows the mails are running slow is in itself a scam. 

XXXX, North Carolina 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 2018-04-01
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home is also my office so I routinely pay mortgage with a business checking account. Ive paid it this way for years. I received a letter dated XX/XX/XXXX from Mr. Cooper on XX/XX/XXXX. The letter also included my check for the mortgage payment due on XX/XX/XXXX. They had returned the check to me stating they were unable to identify account information even though I had included a payment stub and also had paid my mortgage using this checking account for years. I paid the installment immediately upon receiving the letter. Unfortunately, it was XX/XX/XXXX and exactly 30 days late at that point. Mr. Cooper reported it 30 days late to credit agencies ( actually two late payments even thought its one in question ) and its preventing me from obtaining a new mortgage. I plead with a XXXX XXXX XXXX via email ( XXXX ) and she refused my request to remove it even after I had proven and she concurred that the payment was received on XX/XX/XXXX. I have documents to support my claims. I believe Mr. Cooper is intentionally attempting to prevent me from being able to refinance my mortgage with another company.

Company response to consumer: Closed with explanation