BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: Skopos Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I traded my XXXX XXXX XXXX into XXXX XXXX in XXXX Texas 7 months ago for a XXXX XXXX XXXX XXXX the dealership paid my trade in off it was financed through Skopos Financial I have called XXXX XXXX many times to please update my credit report as paid in full but they have yet to update, still shows open and that I owe XXXX and change As well as my new XXXX XXXX!!! please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hey my names XXXX XXXX im a victim of identity theft and is unaware where my financial stability became very low and I've tried over and over on clear all inquiries debt collections and checking accounts including my names been red flagged for non sufficient funds and unauthorized payments i tried my best to avoid these issues im in a unfortunate situation and would like to clear my slate with all the inquiries bank account openings bounced checks and chexsystems blacklisting including XXXX and XXXX XXXX XXXX please help with this predicament and if u can investigate and need further assistance please contact me I appreciate it thank you and God bless.

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 2020-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
a letter was sent to a family member 's house with the company name displayed, this is not my address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Purchased a new air conditioner through a company that if I use the manufacturer 's special credit card ( that was to be paid through Wells Fargo ) paid off in 36 months with no interest. The problem is I set up auto payment online with my Financial institution information including my account and routing information. I did have to make a one time payment, 2 days ago, because it was due but auto pay is to start next month. This morning I received an email from Wells Fargo ( not my financial institution ) but the lender that said my account was closed. I called and spoke to 3 different Wells Fargo representatives and they all told me I put my account number in wrong. I told them I had printed all the paperwork and it was correct but they ( WF ) had left off 4 starting numbers. They told me I did it even after I explained I had printed documentation. I took all my paperwork to my financial institution and they corroborated I had completed the info correctly. I then drove to Wells Fargo and they told me to call a certain/different phone number with credit card services. I showed them my documentation to no avail. After I drove home, I called the " certain number '' and they told me to go online again and fill out the information again. 

I am not going to do that because now I don't trust Wells Fargo. I am so frustrated.

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 2023-03-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Personal information incorrect

Complaint:
I didn't know which way to turn but for years on my credit report there is a Texas   address that I have never lived. 

I would like to know how to get that off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This complaint is in regards to complaint number XXXX. In its response to my complaint, Bank of America decided to lie and conceive a record that does not exist part of which, is diametrically opposed to the actual record. Bank of America lied to me. Then the bank lied to the CFPB after I complained. With the exception of the facts that I presented originally, each and every new fact mentioned by Bank of America is either totally false or does not have any applicability at all to any of the issues. I have documentation that unequivocally proves the statements are false. 

I will however give Bank of America the benefit of the doubt and allow it to correct its original response by providing me with a response containing researched and legitimate facts. If Bank of America fails to provide a corrected and fair response to my original complaint without the inclusion of false statements, and provide the requested ( and frankly very reasonable and conservative ) compensation, I will have no choice but to file a lawsuit in the XXXX XXXX of California.

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 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was a victim of identity theft and had over XXXX inquiries added to my report in an attempt to obtain credit in my name .I contaced transunion and made them aware of the situation, I also provided a police report and a copy of my license and social security card as they requested and the inquiries still remain on my 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 explanation
Consumer complaint received 2021-02-25
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to dispute a billing error for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3600.00} ) on my TD account. I practice good faith and ethics when dealing with both TD Bank and XXXX XXXX as a consumer. I responded immediately to XXXX XXXX employees for their false reporting of incorrect numbers owed by me. I physically made several visits to the store and had intense phone conversations with the XXXX XXXX Employees. The service desk personnel and the Store Manager assured me that the corrections would be corrected. I disputed with TD Bank as soon as I saw the charges. TD Bank said the investigation would take 90 days. TD Bank sided with XXXX  XXXX. XXXX XXXX submitted false paperwork with a pasted signature. I purchase two pieces of furniture for a total of XXXX. XXXX submitted a second chair, which I never purchase forXXXX. This is fake, a fraud to extort monies not owed by me. XXXX XXXX was in business for 6 months and now declared bankruptcy. They has decided to to resolve the issue. There should be original paperwork that proves I only purchase one chair and one loveseat.TD just made the decision without showing me their findings. If they had I would told them the paperwork was faked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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 submitted multiple disputes and FTC letters regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are 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 2023-01-25
Company: EQUIFAX, INC.
State: FL
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:
As of today XX/XX/XXXX, I have sent 8 faxes to Equifax with an FTC report, a copy of my driver 's license, and my social security card. I have called more than 5 times for them to remove all the fraudulent inquiries that are on my credit report and all they do is NOTHING. Here is the list of all of them : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no idea of what this company does. I XXXX the company and it 's a tanning salon. I have no knowledge of this. This is identity fraud. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: V and H Portfolio
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent 2 letters to all 3 credit bureaus requesting that Vance & Huffman verify this debt. This is a re-aged debt on my credit report with inaccurate information that violates FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I repeatedly receive calls starting at XXXX XXXX lasting until XXXX XXXX. I attempted to answer several time but am hung up on.

I have asked the representative to identify themselves and what the subject matter is. They claim it is for my account.

I have not received written notice of this debt. I can not verify this debt on my credit report. I am not aware of any other collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: JPMORGAN CHASE & CO.
State: CA
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:
I 've had a Southwest credit card with Chase for several years now. When I opened the account I was told there would be no annual fee yet I 've just discovered that they have charged me a {$99.00} annual fee three times ( since 2015 ) without my knowledge or consent. When I contacted them after realizing this I was told that the fee for the first year was " waived '' and that they will not waive or refund the fees. This is classic bait and switch and a clear violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Subject : Urgent Assistance Required Regarding Erroneous Bank Transfer Dear Sir/Madam, I hope this message finds you well. My name is XXXX XXXX and I am a client of XXXX XXXX XXXX XXXX XXXX based in XXXX. 

I am writing to you regarding a situation that unfolded on XX/XX/2022, when I made a transfer amounting to XXXX XXXX ( equivalent to XXXX XXXX  ) from my current account. This transaction was intended for a PNC Bank account located in the XXXX XXXX branch, New Jersey. 

According to XXXX XXXX XXXX XXXX XXXX, the transaction was successful and the respective amount was duly deducted from my account. However, I have encountered a significant issue : the beneficiary account details, including both the account holder 's name and the account number, were erroneously entered by me. The inaccurate details were initially set as placeholders to verify the functionality of my banking app and to check the exchange rate provided by my bank. Unfortunately, I unintentionally proceeded to initiate the transfer to this dummy account profile. 

I have made attempts to rectify this issue through my bank, XXXX XXXX XXXX XXXX XXXX, but they have expressed their inability to assist me further. They have indicated that the funds have already been deposited into the PNC bank account and that their communications with PNC Bank have not been fruitful. 

Considering this, I humbly request your guidance to get in touch with the appropriate contact at PNC Bank, enabling me to address and resolve this predicament. Your assistance in this matter is of utmost importance to me and would be greatly appreciated. 

Thank you for your time and consideration. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: OneMain Finance Corporation
State: PA
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 just recently made aware of multiple accounts that were attempts at either someone trying to take out credit cards in my name or that someone else 's information is somehow showing up on my credit report and its causing a negative impact on my life keeping me from moving forward and progressing in my day to day life i have already filed a police report which i have submitted in this complaint i would greatly appriciate it for these incorrect reports to be permanently removed from my credit report so that it could reflect a true reporting thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and Experian is allowing false/illegal reporting. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX. I have disputed this debt because its not mine. XXXX and Experian says the debt is mine but the collection agency only provided them with a itemized bill with only a name that matches mine. There is no birthdate, SS number, no breakdown of what is owed and no handwritten signature. This is illegal reporting. XXXX even deleted because there is no evidence that this debt belongs to me. The itemized bill that the company sent as proof has my name but incorrect address, and incorrect email. I never attended XXXX XXXX and this debt needs to be removed for illegal reporting.

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 2018-03-03
Company: U.S. BANCORP
State: NC
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:
I was set up with autopay for my XXXX credit card. XXXX changed something which resulted in my autopay not going through. XXXX did not contact me to tell me about this change. Upon learning of the issue, I immediately paid the balance and XXXX simply reactivated my autopay. I have contacted XXXX on the issue and have not been able to come to a conclusion.

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 2019-02-28
Company: Altisource Portfolio Solutions, S.à r.l.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence from XXXX XXXX regarding an alleged debt from XXXX for {$1000.00}. I spoke to several people from XXXX including XXXX his manager XXXX and another representative back in XXXX of XXXX that assured me this issue was resolved. All of these people advised me that there had been three accounts set up under my name in error and the extra account showing a balance of over {$1000.00} would be closed immediately. I have continued to do business with XXXX and pay my account faithfully. I have not received any notifications or heard anything from XXXX regarding this fraudulent account until i received this collections notice on XX/XX/XXXX. I attempted to contact the company directly to discuss but the representative XXXX was more interested in being unprofessional then resolving my issues. I am disputing this balance because I never owed this balance nor have I signed any paperwork regarding this account. From day one XXXX  has been deceiving and untrustworthy and they NEVER do what they are supposed to do. This account has been opened up in my name and ss # fraudulently. I demand that this account be verified and validated and removed from all three credit bureaus immediately.

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 2021-04-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, I closed on a mortgage with Wells Fargo with XXXX XXXX  as the Title agency. That same evening I sent a letter stating that I wanted to cancel the mortgage. I sent the cancellation notices to XXXX XXXX  and Wells Fargo. I mailed it at XXXX XXXX  from the Post Office. I followed up with XXXX XXXX on XX/XX/XXXX because I received a deposit and pay off notice from my former loan company. I told them about my concern and they said that they would take care of it. The money was removed and I was assured that the mortgage was cancelled. Wells Fargo has no record of the Loan because it really never was a loan. I also shared with them the Order and that number didn't help. 

I now have a lien on my mortgage because Wells Fargo filed it with my County Recorder 's Office in XXXX XXXX, XXXX, OH XXXX. I'm trying to refinance again and the title company that I'm working with discovered the lien. The current title company and myself have been working on communicating with Wells Fargo on getting the lien removed since XX/XX/XXXX. 

The I, the recorded date of the Instrument is XX/XX/XXXX XXXX XXXX. 

I don't understand why it wasn't cancelled. I never received a coupon book or payment book from Wells Fargo in regards to this loan.

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 2023-04-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX the Company, which involved me making deposits for a total amount of XXXX USD USD from my Wells Fargo account to a fraudulent investment firm ( s ).

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 2019-02-28
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
A Chase Credit card shows up on my credit report as past due amount from XX/XX/XXXXand that the amount was charged off. This card was paid as agreed and not a charge off. The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial put my account into a Bankruptcy and can not explain why. This mistake on their end caused my auto-payments to be disabled which put me behind for two months. GM Financial can not explain how the account was flagged for bankruptcy. They claim an error in their systems. I'm concerned my account was breached.

This has caused financial hardship and GM Financial will not do anything on their end to correct the issue.

I'm clearly not in a bankruptcy status.

Company response to consumer: Closed with non-monetary relief