BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with Wells Fargo in the amount of {$2100.00} which was 40 % of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted Wells Fargo and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the 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 non-monetary relief
Consumer complaint received 2017-12-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Associates Fraudulently opened an account in my name back in 2013. I did not know of the account and somehow it ended up with a negative balance and then closed. I learned about this while in bankruptcy so I included the balance in my now discharged bankruptcy. I tried to open an account with Wells Fargo, then opened the account and then closed it the same day because of what their previous associates did who nolonger work for the bank.

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 2019-08-09
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I told the loan officer I did not want my credit score ran. He said it wouldnt affect my score, so I assumed he meant a soft pull, since pulling your credit does affect your credit score.  So I gave them my information, which they are saying is evidence that I wanted him to run my credit. I escalated it and the resolution advocate said they dont reverse them because it would affect them adversely, so she didnt care that I was manipulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Open a Checking account with TD Bank XX/XX/2018 and TD Bank Frozen my account XX/XX/2018 and I got a direct Deposit form Social Security and when I spoke with TD Bank they told me I have to step in to a branch to unfreeze my account and I can't withdraw funds for the account and don't have Access to use it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I moved out of my home in XXXX, New Jersey on XX/XX/XXXX. I notified XXXX that I was moving and it was noted in their system, my last payment to them was submitted on XX/XX/XXXX. 

I moved to XXXX, New York on XX/XX/XXXX and opened my new account with XXXX on XX/XX/XXXX. 

Today I am finding out that I have had a delinquent payment with XXXX from my XXXX home but it never reached me because they never sent it to me, they were sending my bill to my home in XXXX rather then mailing it to my new address in XXXX. I have paid this in full today XX/XX/XXXX and have a confirmation number to prove it and this will be shown as paid in full by XX/XX/XXXX per the customer service rep ( who apologized for the bill not getting to me ). 

This has significantly affected my credit score and I would like this removed from my credit report. You can see that I have a 100 % pay-on-time score which shows this was not an intentional delinquency, but rather an error in their system. 

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 non-monetary relief
Consumer complaint received 2020-12-07
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a knock on my door, stating they were from XXXX last month, I informed them I was not interested, then I receive three letters in the mail within the last thirty days stating it is from a debt collector for XXXX. It is a fraudulent debt collector for XXXX. I called XXXX and informed them of the impostor knocking on my door and again today, after receiving this fraudulent letter. I always have a credit in my account.. 

The headline : CCI, Contract Callers Inc Their account number XXXX Their stating the creditor is XXXX Amount due : {$40.00} Signature, XXXX XXXX manager Phone number, XXXX XXXX informed me they are aware of the fraudulent debt collectors Here are the options of paying the fraudulent charge Download Iconnect mobile app through XXXX XXXX  or XXXX  store Call toll free, XXXX Mail to XXXX XXXX XXXX  XXXX XXXX Georgia XXXX or go online XXXX Thank you for your time and consideration into this matter

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
For months I have been disputing two closed accounts that were a charge off but paid in full. These accounts are XXXX XXXX and XXXX XXXX. I have sent proof showing these accounts have been paid in full and both creditors have called XXXX and TransUnion asking them to update my credit report. Both payment status and account status reads charge off/collection which is incorrect. It needs to be updated to paid in full was a charge off. In the comment areas I can see both creditors saying paid in full was a charge off but XXXX and TransUnion refuses to change this. I'm requesting both these accounts to be removed from my credit report. I have disputed this by phone, on there website and by certified mail in XXXX, XXXX and XXXX. I have attached my current credit report along with certified letters and proof of both accounts paid in full.

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 2021-08-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on XX/XX/XXXX and a letter on XX/XX/XXXX from what appeared to be Chase bank saying I had an account opened, even though I did not. I called the customer service number, and it was very realistic, so I gave them my social security number and they said there was an account in my name and put me on hold. On hold, I decided to double check that the Chase customer service number was the same but it was not. I called XXXX instead of the real customer service number. I immediately hung up and froze my credit but now I know my information is out there. No money was stolen to my knowledge but I am very concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Suburban Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear CFPD I am contacting you regarding the collection agency Suburban Credit Corporation. I had 7 negative items items hit my credit reports on XX/XX/XXXX. I was not contacted by this company until today XX/XX/XXXX in writing about the debt owed. The FCRA protect consumers from this business practice which would have given me notice of the debt to determine if it is in fact valid or not and it also gives me 30 days to do so. 

I have attached a copy of the letter that I received today XX/XX/XXXX. This is a unlawful business practice on behalf of this collection company. Also they separated total balance of {$260.00} into 7 different negative items. 

They did not send me any communication prior and demanding payment for something I wasn't even aware of. 

The letter attached is dated XX/XX/XXXX which is the first communication that I have received regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
They took longer than 30 days to get back to me. I submitted a dispute on XX/XX/XXXX to dispute the inaccurate and incomplete information that Equifax furnished on my report. After getting the generic it is verified letter, I then submitted a CFPB complaint because Equifax has continuously decided to break federal and state laws, especially 15 USC 1681 and that is just naming the one I know most about. They have continuously changed information from month to month and they have not bothered to do a real investigation like the law says. I have a detailed list of violations that Equifax has racked up while doing and reporting whatever they want. 

They also mention in another complaint, after 45 days of NOTHING that the information I presented does not match what they have in their records which shows to me that there is a CLEAR MIX UP or there is no way they did an investigation in the past, because how can they report information without even knowing it is me. I submitted a complaint on XX/XX/XXXX and they responded back on XX/XX/XXXX, asking for more information. They would not need this information if they did the investigation they say they did. They also had a data breach in XX/XX/XXXX, which is when this information started reporting on my account inaccurately. This is my final attempt before I look to have a lawyer assist me in court for violations and damages afforded to me by federal and state laws. I will use these violations to possibly collect the maximum amount of damages afforded to me under the process of the law and I do not settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-05-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Financial closed my account on XX/XX/XXXX and I have always made my payments on time, and have always used let than 15 %. There are plenty of complaints of them doing this to several of their customers for no reason due to the Covid-19 crisis. This is unprofessional and should be against the law. This is also affecting our credit score. Their only excuse is that everyone was considered High Risk which is incorrect. This company is very shady!!

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 2020-11-18
Company: EQUIFAX, INC.
State: NC
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/2020, XXXX, and XX/XX/2020, I submitted request for the bureaus and all parties involved to verify that collection accounts on my credit report were accurate. According to the FCRA, everything on my report must be accurate and verifiable. How am I supposed to know an account is mines if they don't even have the original creditor 's name listed on the account? I literally have no idea who is reporting this inaccurate information on me! I called into Equifax and spoke to the woman for 20 minutes, after making me verify certain accounts and balances, she then proceeded to tell me that despite my letter from XX/XX/2020 being certified sent and showing as delivered, they a=had n't received that letter or any of the other 3 letters I ; ve sent this year. If that is the case, then how can they possibly be showing certain accounts as Disputed by Consumer??? I told her this was a iolation of my rights and she said if I didn't mail in my social security card they would not dispute the accounts. She wouldn't even let me file a dispute over the phone!! I have been treated very unfairly by Equifax even though they are reporting these things inaccurately and have failed to prove to me through investigation results why these things are still on my credit reports. If there is room below I will be attaching all letters sent and screenshots of these accounts on my credit report where there is no name of the creditor listed. These items I want removed from my report because they are harming me from getting into my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2017-12-21
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Payday loan has been taken from my bank and it wasnt me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: PA
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, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XXXX  to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2017-08-07
Company: Exeter Finance Corp.
State: GA
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 called the company on XXXX XXXX 2017 to inquire about this on my credit report. I was sent a response on XXXX XXXX, 2017 saying they needed more information to proceed with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report is showing a delinquent account causing a major decrease in my credit score. I dont have any delinquencies.

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXXand XX/XX/2019I requested verification of an alleged debt owed by me to XXXX XXXX account # XXXX XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.

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 2019-08-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the last 3.5 years i have continuously had to monitor my credit as Wakefield & Associates, Inc keep putting totals on my reports that are not mine. I have asked many time for evidence, proof these are my debts and everytime the debts magically disappear then reappear under another collection agency. It is a game where they keep throwing it on my report and never provide. This is not my debt, i would like it removed permanently from all 3 agencies. I have never been to the medical place they list. I have even called that company and they always say they have nothing to send me but a bill which does not help. Please help me take care of this once and for all.

Company response to consumer: Closed with explanation