BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: WELLS FARGO & COMPANY
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: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX I asked that Wells Fargo to report me making my monthly mortgage payment to the 3 credit reporting companies. In XX/XX/XXXX I had filed bankruptcy on my business, but not on my home. I have continued to make my monthly mortgage payments in a timely manner. 

In XX/XX/XXXXI was also married. At that time I submitted a copy of my Marriage Certificate and requested that the last name on my loan ( my maiden name as I was single when I financed my house ) be changed to reflect my married name. It never was done. 

In XX/XX/XXXX I became a victim of identity theft. I am a XXXX XXXX veteran, and also used my debit card at several large corporations who had their data hacked. At this time I started paying more attention to my credit rating and my credit record and realized that Wells Fargo was not reporting my monthly mortgage payments. Also, I knew that after 10 years my bankruptcy would start to fall off my credit rating, and I needed to get serious about re-establishing credit. 

In XX/XX/XXXX when I contacted Wells Fargo and asked them to please start reporting my monthly mortgage payments, they instead referred me to the " dispute banner displayed on account '' which referred to the removal of my bankruptcy filed in XX/XX/XXXX. Again, my bankruptcy filed in XX/XX/XXXX was for my business, and did not include my account with Wells Fargo, and I did not ask that the bankruptcy notice be removed. 

I asked that they start reporting my monthly mortgage payment. 

I received a letter dated XX/XX/XXXX from Wells Fargo with the following : " Because our review results didn't support your dispute, we've added a Compliance Condition Code on your credit report, which reads " Completed investigation of FCRA dispute - consumer disagrees. '' This code will remain on your credit report until you request we remove it. If you'd like the Compliance Condition Code removed, you may contact us at the phone number provided in this letter. If you'd like to submit the request in writing, you can send us a signed, written request. 

They included the phone number XXXX Wells Fargo has completely ignored my request, and my right, to have my monthly mortgage payments reported to the credit agencies and I don't know why. I don't believe me filing bankruptcy in XX/XX/XXXX on my business, but not on my home, should prevent my payments from being reported.

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 2021-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
My husband had the credit card since XXXX with USAA BANK. In XX/XX/XXXX bank reported him XXXX. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me XXXXlate on the account for XXXX. I did not have the card in XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I filed a dispute with my bank Chase for services not rendered and products not delivered. I provided documentation to Chase and made them aware that I was also seeking legal council to handle this matter. I sent Chase photos of my unfinished kitchen, records of conversations between myself and the cabinet company and was reassured that they would handle the manner accordingly. The original date of transaction was XX/XX/2021 for {$3900.00}. The claim was officially denied as of XX/XX/2021, I was unaware because the denial letter was sent to my neighbor instead of me and Chase did not send me an email update about my dispute ( something they have done in previous cases ) I have attempted to get hold of Chase to no avail. The denial letter that my neighbor gave me states that in order to know why my claim was denied I need to contact Chase, but I cant get ahold of anyone. I am extremely frustrated and upset as Ive had to pay for my kitchen again with a different vendor and now this other vendor is also getting paid for services not rendered and materials not delivered. My Chase claim number is XXXX and the Chase phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did a credit report through the 3 major credit unions and saw fraudulent transactions through XXXX for the amount of XXXX $ and XXXX XXXX for the amount of over XXXX . I was incarcerated at the time of these transactions and wish to have them removed from my credit report. I reported this to XXXX, XXXX XXXX & experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On of approximately around XX/XX/2020, I XXXX XXXX XXXX contacted XXXX XXXX and TransUnion in reference to information reporting inaccurately especially when it is being furnished by a third party instead of the actual furnisher. I have made contact with the United States Bankruptcy Court in reference to my concerns as to did they furnish this information to the credit bureaus. They clearly informed me that they do not furnish information to the bureaus. The problem is, this information is not accurate. The court itself did not furnish any of this information to the credit bureaus. Also, the court does not furnish this information to third parties either. Providing false information as to who furnished information is a violation of the Fair Credit Reporting Act for reporting false information. I have provided documentation of proof that the courts do not verify the information directly with the credit reporting agencies. XXXX has already done its due diligence by removing this inaccurately reporting information from my records.

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 2019-09-08
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sold access to an event digitally, of which I have all the screenshots to detail the transactions, transferred the money and was provided with only a fake of a ticket. I have reported this to paypal and it was for the amount of {$21.00} including a {$1.00} fee from paypal. 

This occured on XX/XX/2019, by paypal user who gave two accounts : 1 ) XXXX 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Security Credit Services, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was Security Credit Services, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
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 am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account with Capital One 360 was recently closed because of a XXXX party deposit that was made to my account. The amount of the deposit totaled {$9400.00}. For 4 months I made numerous calls to Capital One to reverse the transaction to the company that sent it, but I was told that I could not request a reversal of the transaction and that the company that initiated it would have to request it. All of my funds in my account were frozen, not just the deposit in question. Other than the {$9400.00} in my account, there was also {$3300.00} of my money from my pacheck deposits, and XXXX deposits -- which are all verifiable as mine. There was no issue at all with any of these funds. 
Finally, after several months and a complaint filed with Consumer Finance, Capital One reversed the 3rd party deposit. But instead of taking {$9400.00}, which is the amount of the 3rd party deposit - they took out {$11000.00} - an additional {$1600.00}. That {$1600.00} is MY money, and has nothing to do with the 3rd party deposit. They then closed my account and sent me check for what was left in my account - {$1600.00}. I have had no explanation as to where my {$1600.00} is. This is plain and simple THEFT by Capital One. I was to know why they withdrew more than was deposited by the 3rd party and where it is. I dont understand how Capital One can steal from accounts and think they can get away with it. I am uploading a snapshot of the 3rd party account that shows the total deposited which is now owed to the sending company. It totals {$9400.00}. NOT {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Alliant Capital Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was XXXX XXXX XXXX, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Went to XXXX to request my reportdsince you can only now get charged for reports on XXXX, Experian, and XXXX site. 
Provide an excessive amount of personal information, far more than I have ever had to provide in past years. 
Then, in order, each agency throws up some bogus info indicating their site is down, they can't recognize me, or I need to make my request through the mail. 
I when through the process several times and got differing messages from each agency each time. ( I saved screenshots. ) Unless this site has been hijacked, it appears the agencies will do anything to get me to pay to view my reports in violation of federal law.

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 2019-09-08
Company: EQUIFAX, INC.
State: NY
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 would like to have removed a Public Record listed on my Equifax Credit Report. This Public record is inaccurate. It states First Reported XX/XX/2014 however This item was not filed or listed prior to XX/XX/2014. I have disputed This Item several times however it continues to be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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: Information is missing that should be on the report

Complaint:
My complaint is actually dealing with my credit score. I have been rebuilding my credit score for almost 9 months now with the assistance of a credit card I was able to get through my bank.My credit has improved by almost 80+pts since XX/XX/2017. That is the only account I have opened in the last 2yrs or so.However, this latest credit change dropped my score 61pts but I am not sure why it happened.All recent credit changes were "good" according to credit karma but nearly all the points I have earned have been taken from me just like that.I really do believe there has been some type of error but I am not sure of what. And my derogatory marks have decreased by 1. Any help into this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered XXXX sofa bed from XXXX and they charged me for two My bill should have been $ XXXX and I was charged {$1800.00}. Citi-card does accounting for XXXX and told me payment was {$850.00} which I paid immediately on linento Citi card XXXX continued to charge me for 2-3 months plus late fees. Citi card did not inform me the did not transfer payment to XXXX. I have a " thank you '' card that funds can not be transferred from to another company. They did not inform of this or I would have paid another way which I did immediately. XXXX reported late payment to XXXX who knew I carried perfect credit in XXXX 's. XXXX, Citi card and XXXX are at fault for this error. I jusst got my XXXX bill from XXXX. They credited my payment of {$850.00} but include a late charge of {$200.00}. I called and they kept telling me I was late. I contacted all 3 companies all along To have billing corrected but none realized not to cancel {$1000.00} bogus fee and end late fees. This all started in XXXX when I placed order. I paid as soon as billed so I should not be penalized in any way.

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 2019-09-08
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an an address on 2 of my credit reporting company reports *XXXX and XXXX* with an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, which I've never heard or nor have i ever lived there. I'm also dealing with a company called I.C. Systems, a debt collection agency working on behalf of XXXX XXXX- They say that I opened an account in XX/XX/18 with them but that's impossible, since I've lived with my parents over the last 8 years at XXXX XXXX, XXXX, NY XXXX and XXXX XXXX  XXXX, XXXX, NY XXXX and there was never any XXXX XXXX service and they weren't even my personal homes- It seems as though either they have a mistaken identity problem of someone that has resided or used that address in XXXX XXXX, NY or they have made a serious mistake and falsely have me as opening a XXXX XXXX  account -The debt collection company is now called I.C. Systems and they have the wrong person and they have ruined my credit score and they would need to show proof that their was an account opened on the day they set on both  XXXX  and XXXX that I am liable for an account that I never opened and I have yet to see any proof from them indicating such- I would like to see paperwork/documents of me opening an account with XXXX XXXX on the date they have given of XX/XX/18, that I never even opened! Either they have made a terrible mistake and need to correct it immediately by taking my name and information off that account or someone else has used my personal info and their is a data breach or mistaken/taken identity here and this could be fraud! I ask, you that you please look into this further! thank you-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 2021-09-20
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my car on XX/XX/2019 for {$20000.00} and I put a {$3000.00} down payment resulting to {$17000.00}. I have paid {$420.00} each month and sometimes even more. Its past two years and it shows that I still owe around {$14000.00}. My payments hasnt been going down. In my statements shows that sometimes it only goes down XXXX dollar. Please help. This car has ruined my life and now I dont even have money to take it out. My payments never went down and Westlake financial service is robbing me!! Its cause a big XXXX  affect on me because Im been XXXX  about paying my car on time during the pandemic and now having to deal with this situation. Also, please contact me with a XXXX  lawyer. I had to use a translator for this.

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 2021-11-07
Company: CITIBANK, N.A.
State: IL
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:
On multiple occasions I have requested a credit line increase with Citi Bank on my credit card ( I only have one ) on dates : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 Each request I was declined for a different reason, and all were in accurate reasons. 
1 ) At this time we are unable to approve this request because theres a late or missing payment on another Citi credit card account.

( I only have one credit card ) 2 ) At this time, we're unable to approve this request because your current income and/or monthly mortgage/rent payment information was not provided. ( Citi automatically collects income since it was previously entered, and I have no mortgage payment ) 3 ) We're unable to approve this request because a review of your account ( s ) shows there's been a bankruptcy and/or charge-off on one of your credit cards with us or one of our partners. We did not obtain information from a credit reporting agency in making this decision. ( There is no bankruptcy or charge off with any Credit card I own ) I have called Citi twice about this. The first representative said that she will file a complaint so that this can be investigated and I never heard anything back. The second time I called, the represent
ative said there is no way to dispute this, nor do they have any credit analyst/specialist who review the request.

This goes against The Federal Equal Credit Opportunity Act. I have never missed a payment on any line of credit that I have. I have no mortgage, and I have good credit and income. I want to be evaluated fairly.

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