BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a letter from Wells Fargo Bank in reference to complaint number XXXX that filed with the CFPB ... In that letter Wells Fargo Denies having any record of correspondence sent to the wrong country ... I am attaching the evidence that my data was breached as was my personal signature that was sent to my old address in XXXX in the month of XX/XX/XXXX by Wells Fargo Bank ... Wells Fargo Bank states that they do not have an international address on file yet one of their requirements to open a new account is to provide an address history going back three years ... In order to that I had to provide Wells Fargo Bank with my previous address in XXXX which is where I lived for two years from the year XXXX - XXXX ... Correspondence was generated without the knowledge of the employee whose name is listed on that letter sent to my XXXX address ... XXXX send that letter back to Wells Fargo and the Wells Fargo South Dakota Bank forwarded that letter to me ... Attached are detailed photographs of the letter I got from the South Dakota Wells Fargo Bank that is used for rerouting mail that was sent to wrong addresses ... Also Wells Fargo offered a {$400.00} promotion online for new account holders ... I qualified but in order to fulfill the requirements I had to go to a local branch to complete my online account opening process ... One day my bank balance fell below XXXX dollar and because of that Wells Fargo said I was no longer eligible for the XXXX dollar incentive for new account holders ... I am attaching a photograph of a Cashiers Check that Wells Fargo Bank sent me after I was able to establish with Wells Fargo that this was false advertising filling new account holders like me with false hope of a reward that is not possible to get due to excessive requirements such as bank balance being less than XXXX dollar which I was never informed about ... I ask that Wells Fargo be held to account for making serious mistakes with where they sent my sensitive details ... Also for sending correspondence with an employees name on it and when I asked that employee at the local branch and she said that she had no knowledge this correspondence was sent to XXXX with her name on it ... This placed Wells Fargo 's on employee in a very awkward position which is not right ... I ask that this matter be investigated ... There are seven documents attached as evidence that Wells Fargo has not acted in the best interest of me their own bank account holder ... 

Respectfully Submitted by Ms. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I purchased a $XXXX bed from a local furniture store. They offered a card with zero interest for 1.5 years and then it would convert to a high interest. What I experienced after the 1.5 interest free period is 1) not clear or not disclosed at the opening of the card or while paying on the account 2) is INSANE interest, back interest (that wasn't disclosed) as well as a DAILY compounding interest moving forward (also not disclosed). The second the 1.5 year interest free period was up...WHAT I EXPECTED: Interest would increase to very high, like around 25%.WHAT ACTUALLY HAPPENED: (1) BACK FEES in the amount of $XXXX   applied, essentially charging interest for the 1.5 years that it was interest free.     (#2) a DAILY Compounding Interest rate of 30%. In talking to the phone agent...if I paid the minimum balance on that card, I would have seen nearly $10k in interest added to this account in just the first 12 months after the 1.5 interest free period was over.What this means is on the original $XXXX bed purchased that was to be interest free for 1.5 years at 1.5 years and 1 month the amount owed including their back interest was $XXXX and if I would have paid the minimum for 12 months then at the 2 year and 6 month mark with the added DAILY COMPOUNDING RATE the amount owed would be roughly ($XXXX   original purchase + $XXXX back interest + $XXXX for the 30% DAILY COMPOUNDING RATE = $XXXX!!)DO NOT GET A LOAN with Brandsource for any furniture and if you do you should be SURE to pay it 100% off at least a month before the interest kicks in.

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 2018-04-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXX, on or about XX/XX/2018 the collections account was deleted off my credit report. Shortly thereafter, the collections account was added back by the creditors. I've asked them to again remove the account from my credit report again. Please have them permanently remove this account from each of my credit bureau 's report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: WA
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 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 2022-02-02
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: Reporting company used your report improperly

Complaint:
These accounts and inquiries are inaccurate. Please help me remove them. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX  XXXX refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows Bank of America has not been paid

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 2022-02-01
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently, I, XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX XX/XX/XXXX, I applied for VISA SIGNATURE FLAGSHIP REWARDS CREDIT CARD As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I XXXX XXXX, AM DISPUTING ON MY OWN, PLEASE SEE ATTACHED FTC REPORT AND DISPUTE LETTER It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.

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 2020-09-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Currently i have my mortgage with HSBC, but I decided to refinance, so I need some documents from HSBC to support it. But when i was reviewing the document, I noticed the property address on my payoff document is incorrect, my unit address should be unit XXXX and they typed unit XXXX unit XXXX ( see attached 1 ). Because unit XXXX is the number the builder identifies this building, and they assume its part of the address ( see attached # 2 ). Since the property address is wrong, the new lender will probably not accept it as a legit document. 

I contacted HSBC and explained this situation, I asked them to simply correct the mistake they made, but they refuse to cooperate, and said even if they do it they will not rush it, at least gon na take two weeks, I provided my property tax document which i got from the county and it includes my APN and correct property address, and they refuse to take it because it is not a legal document. Instead they are requesting something called XXXX address to verify my correct address is a real address, I talked to the USPS , County, City, no one knows what that is. If i don't close my new mortgage next week, it will generate penalties everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act ( XXXX # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: STERLING JEWELERS, INC.
State: FL
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 a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/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 2019-01-22
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, 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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX,XX/XX/XXXX shows XX/XX/XXXX and XX/XX/XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I wasnt able to answer the call but they called back to back a total of 5 times all within a minute at XXXX 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 2020-09-18
Company: CORELOGIC 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:
Hello! so XX/XX/2020 appeared in my XX/XX/XXXX credit history a hard inquiry, credco name supposedly a bank in california at the moment i didn't ask any company to check anything! 
so i did the XX/XX/XXXX search and got the credit card so i call and always put me on hold and after a certain period the call goes down! I've tried a few times over the course of the day and always the same thing! 
so i decided to contact you guys to please take action and remove this unauthorized information in my credit history! 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 2023-04-19
Company: LEXISNEXIS
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:
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. LexisNexis is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX  XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ), XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX are violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report has been showing a balance of {$14000.00} when my balance has {$13000.00} since XXXX!!!!! And even with that, I asked why is it almost a year of me paying my car note and balance has only went down {$30.00}, I was told that that comes from the TWO PAYMENT EXTENSIONS I REQUESTED WHEN I WAS LAID OFF BECAUSE OF COVID which WAS communicated with them. I was told that while I was granted the 2 extension, i still HAD TO PAY DAILY INTEREST.

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 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Your response to CFPB Complaint ID : XXXX included instructions to call XXXX at XXXX, extension XXXX. I have called multiple times during the hours that she indicates she is available. I left messages asking her to call me back. 

We can not access our account and have been unable to do so for over a year. You refuse to engage us in any substantive conversation and your customer service is not trained to handle a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medicredit Inc is attempting to collect three outstanding balances which are unknown to me : From XXXX XXXX XXXX XXXX XXXX in the amount of {$830.00} ; XXXX XXXX XXXX in XXXX XXXX in the amount of {$280.00} ; XXXX XXXX XXXX XXXX in the amount of {$63.00}. I have attempted to contact Medicredit on a number of occasions in an attempt to verify the debt -- including trying to source a copy of the consent to treatment of consent to billing insurance from the medical facilities which might help establish whether or not an account was actually established -- but have not been provided such information. Medicredit refuses to discuss how the debt was verified or what documentation they procured to do so. Additionally, I have been the subject of unauthorized auto-dialed telephone calls and I have notified Medicredit, explicitly, that I wanted to be opted-out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: CURO Intermediate Holdings
State: MS
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:
I see numerous inquiries on my credit report that aren’t accurated. XXXX XXXX  also these medical information. I think identity thief is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Atlantic Recovery Solutions LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Atlantic Recovery Solutions contacted me by phone on XX/XX/XXXX regarding a debt that they say I owe to XXXX XXXX XXXX in an amount totaling {$3900.00}. I asked representative XXXX XXXX to send me information by mail regarding the amount in question. He stated that they are not able to send me anything by mail, but " assured '' me it was a valid debt. He sent me a generic email with only the amount of the debt, their account number for me, and their phone number, with no disclosure that I have 30 days to dispute the debt. He also gave me the phone number to XXXX XXXX to call if I want to verify the debt, which only led me to an answering machine. 
I sent Atlantic Recovery a debt validation request letter on XX/XX/XXXX, which I have documentation that they received on XX/XX/XXXX at XXXX. I have received no response and they have continued to call me every day. I called today XX/XX/XXXX, to state that they need to stop calling me, and spoke to XXXX XXXX again. He claimed that they mailed the information I requested on XX/XX/XXXX, which I have not received. He also claimed he has record of speaking to me on XX/XX/XXXX, which is untrue. I told him that they violated the law by not sending the requested documents after the first call on XX/XX/XXXX, that they still have not sent me anything, and that by law I have 30 days to dispute the charges once I receive the documents. He told me that is not true and that they will be continuing to call me. At that point I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief