BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
Company: WELLS FARGO & COMPANY
State: VA
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:
The car was reported a total loss by the insurance company. Monthly payments were made on time. The insurance company paid off estimated value, we paid the difference as we didn't have GAP insurance.

Credit Agencies are showing that there was a 30 day late payment, which has dropped my FICO score 15-17 points. No payments were late.

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 2019-05-19
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan that was consolidated in 2007, I shopped the loan to different lenders.The best quoted interest rate was 2.2 percent so I told that person I would do that loan. I was supposed to get loan documents to sign and send back, I never received any. Instead I received a payment book. So I paid on this loan with electronic payment for 11 years till last year when I received an offer to lower my student loan from the better than 7 percent interest I was being charged. I talked to AES and they told me that was the percentage rate. I have informed them that I did not sign the promissory note and that they really needed to honor the quoted rate as they did not have legal documents to secure the loan. They then sent me an incomplete promissory note with an interest rate of 7.1 percent. Of course there is no signature, my social security number, my employer at that time, the company offering the loan, my drivers license, my email. So the loan documents they provided to me are pretty much legally useless from there perspective. I would have never ever even considered consolidating at an interest rate much higher than I was paying at that time. This loan was consolidated at 7.1 percent interest without my approval or signature and the loan documents provided by AES are not legally binding. They do however illegally report it to the credit bureau which requires that the loan is legally held, and knowing this they still report it thereby committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent several letters to XXXX, Transunion, XXXX and they ignored my request. Request attached with this complaint/ Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. 

Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, XXXX or Transunion any written consent to report these inaccurate old addresses on my consumer report, No consent is Identity Theft.

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 2019-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Equifax account shows a negative reporting from XXXX dba XXXX XXXX  dated XX/XX/XXXX. I ceased doing business with Nationstar on XX/XX/XXXX when I signed a Grant Deed ( attached ) transferring the property to a buyer, thus allowing XXXX to be paid-off, and thus removing me as a client of XXXX and the closure of my account with XXXX. I no longer did any business with XXXX after that date as I no longer owned the property in question and no longer had an account with XXXX. Therefore, it was impossible for XXXX to report a " Derogatory '' status over one year later. This XX/XX/XXXX status report must be removed. Equifax has not done that. Equifax also is not allowing me to report this error to them because their on-line reporting system is consistently malfunctioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Barclays Bank Delaware and XXXX XXXX XXXX. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. The Account Opened is XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Dear XXXX, I am not able to access my file. Via clicking the link below it is not working. I t giving me an error. I self identified twice and I sent a request via email but the link it is not working. I am not able to access my file for the dispute. 

************************************************************************************************* Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online. 
To accept receipt of the results of your investigation online, please click on this hyperlink : https : //www.OptinOnlineDelivery.equifax.com/optin/jsp/optIn.jsp? DATI=1a9b553e1828fcc8e3d2c6faec82c9c4 Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion. 

We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CarMax, Inc.
State: NY
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:
To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX  XXXX XXXX Federal credit union XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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:
I have submitted a dispute to Equifax for the last past few months involving identity theft and they refuse to block the fraudulent information. I have sent a copy of an identity theft report along with a police report and the status of the account has not changed. XXXX and XXXX has acted and removed the information already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried communicating this to UAC, and XXXX  for years now and have had no success. This auto loan was not opened by me, and every time I reported it nothing ever happened. Now its been 7 years and yet it is still on my credit report and yet again I am getting no help from the company. I am hoping that this will finally resolve such an old damaging problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I have been trying to resolve a derogatory account on my credit report for months. I have called CBNA sears syw account multiple times and the company will not resolve my issue. When I call they say the account is flagged as fraud and they transfer me to fraud, when I speak to fraud they say it is not flagged as fraud and transfers me back the the same department I just spoke to. I have been going in this never ending circle for months. I am trying to purchase a house and this is the only negative account on my credit report and it must be resolved. How can you continue to report someone late every month while also refusing to take their payment or resolve the account? I need your help.

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 2020-06-23
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I wasn't allowed to make payment arrangements. I explained that this occurred in the middle of the pandemic. Paragon submitted to all 3 credit bureaus before the 180 days requirement. 

The debt seems to be a co-pay from my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXXXXXX XXXX XXXX and American Honda Finance. The Account Opened is XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. The Account Opened is American Honda Finance Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: NM
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 XXXX is reporting the same debt twice on my credit file with EQUIFAX. This is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my mortgage on XX/XX/2018. USAA Bank received their funds that day. I had an escrow balance of more than {$900.00}. I called after 10 days to inquire where my funds were and was told I should receive them within 20 days of closing. I inquired again today and was told they were disbursed on XXXX-18 ; not mailed, disbursed. 
Mortgage companies should not be allowed to hold my funds without paying interest for that long. The loan account is not like a checking account, all outstanding or pending debits are accounted for on the closing statement and therefore no reason to hold the account open. 

My account # is XXXX ; the property address is : XXXX XXXX XXXX, XXXX, OH XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has charge excessive overdraft fees of {$35.00}. Request has been made that Wells Fargo not honor payments when funds are not available. However they have continuesly done so without our consent. To grant a charge when the funds are unavailable and then to charge a {$35.00} overdraft fee for separate transactions knowing that there are insufficient funds to cover the transaction is in a sense predatory lending.

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 2020-11-12
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have the CITI credit card which my limit was only {$2000.00}. Yes I kept a high balance on the card but I decide to pay it off in XX/XX/2020 and when I did CITI decreased my credit limit, I have not once been late on any of my payment it would have been nice for them to increase my limit to {$10000.00} and not decreased to {$500.00} which now have hurt my credit score. I am very disappointed with CITI on how wrongfully that have treated 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 2021-10-12
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Monday, XX/XX/2021, I requested, online, a withdrawal of all my crypto-currency for a value of USD {$1500.00}. It was supposed to be transferred to my bank account automatically. 

As of today, Tuesday, XX/XX/2021, I did not receive anything yet. It's been ten days that I have been waiting for my money. My bank charged me twelve times {$34.00} fee for insufficient funds. I did not pay my mortgage last week because I did not receive this amount. If I knew that would take forever, I would have requested a withdrawal a long time ago. 

Their customer services are by chat online, and I requested that a supervisor call me back because of this significant issue. Still, the chat representative wrote me that nobody was available. According to the representative, the problem is that there's an internal issue to transfer the money. He added that it will be deposited as soon as possible. As soon as possible means nothing. They don't care, and they don't even talk to their clients, they chat. 

THEY ARE KEEPING MY MONEY HOSTAGE FOR MORE THAN 10 DAYS WITHOUT ANY EXPLANATIONS, AND THAT CAUSED AND STILL CAUSING ME FINANCIAL HARDSHIP AND EXTREME LEVELS OF STRESS. I CAN NOT SLEEP, AND I DON'T KNOW WHAT THE MORTGAGE COMPANY WILL DO WITH MY CASE DUE TO CRYPTO.COM

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 2021-10-12
Company: Rocket Mortgage, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2021 Rocket mortgage ran mine and my wifes credit without consent. I explicitly stated that I did not want my credit ran and this time for a refinance. They instead pulled both of our socials from there information ( Im a current customer ) and did it anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 had fraud on my target XXXX  card in XX/XX/XXXX after the issue of the fraud got fix than I notice theres huge changes on my account from not owing got to {$700.00} dollars and I made some purchases and made payment on XXXX and XX/XX/XXXX than in XXXX still calling to understand what is the sloppiness in my account as it didnt make no sense and why all my purchases for {$400.00} in XX/XX/XXXX that I purchased and returned by the store manager for XXXX one item was kept it went back as purchase and on that day XXXX XX/XX/XXXX I paid for the same items XXXX. XXXX which it was returned on XX/XX/XXXX and some random XXXX keep coming up on my statement several times as I was confused whats going did my best to get anyone to get help but nothing but run around silence, than in XXXX I got XXXX XXXX I called twice 2 different employees of target told me not to pay as my account under investigation as result I did make payment because I was told so first the account its not understandable waiting to get help on top of it in XXXX I realized target reporting me as missing payment how do I understand that called made payment of XXXX XX/XX/XXXX than than I made payment of XXXX per XXXX another target employee so I paid because I wasnt going anywhere today I want to get mortgage loan sure enough target reporting me on XXXX XX/XX/XXXX again as missing payment and I called to see whats the problem again XXXX supervisor told me she not going throu long as conversation you are XXXX  we not going to help you how is it my fault when I tried and paid something that I didnt feel its right and I didnt made decisions just not paying my bill with continued calls from XXXX to XXXX if XXXX seriously is that how target going to treat me after I been loyal customer never been late since XXXX all of the sudden Im late while Im trying to get help if Im in default I pay but to report me just because you refused to help me and giving me wrong information by target employees, Im still trying to understand my bill as how do I owe target such big bill and making me pay for something that was retuned, since I knew Im going to buy house I made sure I always pay my bills on time never be late sure enough my dream shattered due to big corporate selfishness and liar cheat and fraud target. Hopefully whom ever read this please help me as I never intent not to pay my bill specially in this pandemic why would you say Im XXXX without getting help. Moreover, I made two payments in XXXX XXXX XXXX and {$50.00} dollars on I believe XXXX XXXX but very very conveniently my XXXX dollar payment its missing as I paid cash in XXXX for both payments and so in XXXX or XXXX very very convenient. Greatly appreciate your prompt attention to this matter why target keep reporting me as 30days late. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation