BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Well when I was with wells Fargo it's been almost a year that I haven't been with them but when we were with a banker in their cubical they said that they discovered that theres six to seven accounts in my name I only had a checking and savings in which I lost some of my XXXX back pay which the total loss I had taken is {$6400.00} I just got this money from battling and defeating XXXX can you please get me my money

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 2021-01-29
Company: EQUIFAX, INC.
State: TX
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 have reached out to Equifax, XXXX  and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: SYNCHRONY FINANCIAL
State: PA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-07-04
Company: LendUp Loans LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Lendup is in violation of FDIC XXXX UNIFORM RETAIL CREDIT CLASSIFICATION AND ACCOUNT MANAGEMENT POLICY Reporting an installment loan, closed-end, unsecured loan as open following 120 days pst due. Per policy, Charge-off should have occurred on our about XX/XX/2016. Instead, 12 month installment note has been left open with 4 years of late payments ( 48 ). 

Attempts to dispute have gone without change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I mailed to Experian a letter that I was requesting verification of negative items shown on my credit report. I received no valid response from Experian as the response they provided, did not have Written proof directly from a person at the source, pursuant to 15 USC Section 611 ( i ) ( 7 ) Section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/XXXX I mailed a second request to Experian that I was re-opening the investigation and that I was requesting proof of verification of each item listed on the document. By proof, Experian was to provide ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE from Alleged creditor as only legitimate proof over verification. Experian failed to provide this proof, but responded that items were verified. 

On XX/XX/XXXX I mailed to Experian Third written request & Final Warning requesting verification of negative items shown on my credit report and to identify with whom did they verify the alleged debt and what proof was given verify the alleged debt. 

As of today, I have not received a valid response from experian.

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 2021-01-29
Company: Exeter Finance Corp.
State: OH
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:
Ive reached out to EXETER FINANCE LLC about the false reporting and haven't received a reply its been 30 day and i still haven't heard anything this is highly illegal and i dont own an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This complaint is towards Coinbase.com My account email is : XXXX Issue : On XXXX XXXX XXXX 2018, I sent aaproximately XXXX BTC to my USD Wallet address. It then showed that it was received but pending. I read online that it requires 6 confirmations. It has now been 14 days and the transaction has aproximately XXXX confirmations now. 

XXXX XXXX   XXXX I am requesting my transaction to be fixed. This is such a inconviencence to the standard consumer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting a medical debt for {$75.00} which is not mine. I contact them to let them know yet they refuse to comply by sending me proof of this debt or removing it. I filed a complaint with the XXXX and they responded by saying they will not discuss this matter because of HIPPA regulations. They are choosing to hide behind loop wholes instead of handling this matter. When I call them they treathen me and are very rude. I explained to them that I never visited this medical office and did not have any services provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My account with XXXX went into collections in XX/XX/2019 in which XXXX sold the debt to XXXX ( a collection agency in TX ). But XXXX continues ( to this day ) to report that I owe a balance, a past due balance and late payments. Although they no longer own the debt as of XX/XX/2019. XXXX reported the debt to the credit bureaus ( meaning the debt was reported twice on my credit report - once as a collection and once as a open loan that was past due, late and I owed a balance ). 

I paid off the debt with XXXX on XX/XX/2019. XXXX is reporting a zero balance owed on the debt but XXXX continues to report the debt past due, late, and that I owe a balance. I've been trying to dispute this debt with XXXX since XX/XX/2019, since they no longer own it and they should be reporting a {$0.00} balance, but they continue to update my credit report to show I owe them money and that I'm past due with them.

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 2017-08-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, my XXXX Credit Card issued by Comenity Bank had a balance of {$10.00}, which was paid-in-full prior to the statement closing date of X/XX/2017. My XXXX statement was a bill for {$2.00}, for an account with a zero balance. The company representative explained to me that this is a " trailing finance charge '' assessed when you do not pay for a purchase in full on the first month. {$2.00} is the minimum interest fee. " That is a valid finance charge, so I would not be able to waive that fee. '' Therefore, for everyone that pays a financed purchase in increments, after payment-in-full, {$2.00} will automatically be assessed, even after achieving a XXXX Balance. For every consumer that does not pay off the entirety of their initial purchase on the card the first month, when they do pay the balance to zero, the bank will still assess a {$2.00} fee at the end for the privilege of financing at an already usurious 25.7400 % ( v ) APR! No one should have to pay {$2.00} interest on a zero balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: SYNCHRONY FINANCIAL
State: NC
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:
REGARDING BELK/SYNCHRONY. 
I AM THE OWNER OF ACCOUNT AND ADDED MY DAUGHTER AND DAUGHTER IN LAW. MY ACCOUNT IS PAID OFF. THEIR CREDIT DROPPED 25 POINTS. WHY?

MY CREDIT SCORE IMPROVED, BY 25 POINTS! SO WHAT IS GOING ON WITH THIS COMPANY? ARE THEY LEGITIMATELY ALOUD TO LAWFULLY DO THIS?? 
HOW CAN YOU PURCHASE YOUR FIRST HOME IF THE PRIMARY CARD HOLDER CREDIT SOARS AND THEIRS DOESNT???? WHY DID IT DROP???

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 2019-05-30
Company: Experian Information Solutions Inc.
State: NJ
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 collection account appearing on my reports from XXXX XXXX XXXX is fraudulent. I've never had a XXXX account. The account was opened up fraudulently without my knowledge and or permission.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: OH
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 ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.

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 2020-05-19
Company: Experian Information Solutions Inc.
State: AZ
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:
The accounts on my credit file do not appear to be accurate

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 2021-10-07
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 have been for over a year now trying to work with the company to have these items that are not mine removed from my credit files and it is now ruining my credit. I received mail with another young ladies name showing that these are her accounts and not mine. Per looking at my credit reports, the payments have been on time and I am not the one that is making these payments! Now since I have had to call each agency to have the accounts closed it has started to ruin my credit. The agency has sent me letter stating that they have asked the credit bureaus to remove the accounts from my file as it is fraud, but the credit bureaus are all stating that the company sent them a statement that the items are mine. These accounts are not mine and were opened fraudulent

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 2021-10-07
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft THD/CBNA  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2019-11-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Please assist me in getting the following items corrected on my credit report : XXXX  and Equifax is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Employment : XXXX  XXXX  XXXX Correct Employment Name : XXXX XXXX  XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX  - XXXX that was opened XX/XX/XXXX XXXX  XXXX  - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : XXXX  XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North  Carolina  Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX  - XXXX XXXX XXXX  - XXXX - XXXX-XXXX  - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX  - XXXX  - XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX  XXXX XXXX  - XXXX  XXXX - XXXX  - XXXX - XXXX  XXXX  - XXXX/XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2019 XXXX XXXX XXXX  XXXX placed a collection of {$85.00} on my account, that is now owned by OAC and being reported negatively on my consumer report. I was living in XXXX, CA at this time and nowhere near XXXX. which this medical bill is for. I have always received my care at XXXX facilities. I have no knowledge of this account and no way of verifying.

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 2018-09-18
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with Equifax over several hard inquiries that I knew nothing about that all happened on a single day. When I was notified the dispute was over I went to see the results and was presented with an error that my information did not match their records. 

I called equifax and was told that I needed an " equifax service '' to recieve immediate help otherwise the department that could help was closed. I asked how I could get the service and they all cost money. Basically they wanted me to sign up for their service or they refused to help. 

My 10 Digit confirmation number for the dispute is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid-off and unemployed so applied for Special Forbearance for an unemployed homeowner to XXXX XXXX XXXX which was my mortgage company. XXXX XXXX XXXX was giving the runaround so I asked for Mediation as I lived in Maryland. Just before the mediation XXXX XXXX XXXX sold my loan to Carrington Mortgage services. 

I had the mediation with Carrington Mortgage Services and during the mediation, I asked for 1 ) Short Sales which was what XXXX XXXX XXXX offered me before they sold the loan or 2 ) A deed in lieu to avoid Foreclosure proceedings. Carrington Mortgage stated that because they just bought the loan and that I am still unemployed they will let me apply for a loan modification with them first and that if that does not work out, then they will offer me either the Short Sales or A deed in lieu. 

I put in the application in XX/XX/XXXX and they came back in XX/XX/XXXX for pay stubs. I reminded Carrington Mortgage Rep that I informed them at the mediation that I was unemployed and looking for a job and they asked me to apply for modification before they can tell me whether to do Short Sales or A deed in lieu. Carrington Mortgage then asked me to put into writing that I was still unemployed which I did through XXXX XXXX XXXX person who was helping out. They came back again that I was missing a document which I then uploaded to them on their site. 

I have not heard anything from Carrington Mortgage so on XX/XX/XXXX I called them to check on my application and I was told that they canceled my application and that I have to re-apply because supposedly they were missing some documents from them. Informed them that the last document they asked for I uploaded on their site. I then asked them what document I am supposedly missing but Carrington Mortgage could not tell me the specific document I am supposedly missing. Carrington Mortgage Rep then informed me that she was going to send me the applications and that I will receive them in a weeks time. I waited about a week without receiving the documents so I called them and I was told I should be receiving documents soon. I called them again on XX/XX/XXXX and I was told that Carrington Mortgage had set a sales date of XX/XX/XXXX for my house to be sold for foreclosure. 

I asked them how can they asked me to re-apply for a loan modification and I was waiting for the documents and they went ahead to set a foreclosure sales date without even informing me? Carrington Rep stated that they just set the date the morning I called them and that they do not have to inform me about setting date for foreclosure sale. Then they stated I can still send in the re-application to be considered. 

The behavior of Carrington Mortgage is just abominable.

Company response to consumer: Closed with explanation