BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the Wells Fargo ATM on XX/XX/2018 to deposit {$1900.00}. As instructed by the ATM i put all bills inside the deposit slot. The ATM asked if a deposit of 9 bills of XXXX for a total of XXXX was correct. I replied No and the ATM gave me back XXXX. I then left with the XXXX and called Wells Fargo ATM operations within 30 minutes to advise them of the error. Wells Fargo gave me a Claim # XXXX & They advised it could take up to 1 month to research the error. Within two weeks Wells Fargo applied a temporary credit of XXXX to my account while they completed there research. On XX/XX/2018 I received a Letter from Wells Fargo claiming that the research had been completed and there were no issues with the ATM & would be deducting {$1000.00} from my bank account. I called Wells Fargo to determine what research the completed and they said the ATM was checked for any jams and there were no jams. I asked if they had ran a register total for the ATM and the Wells Fargo Agent said she did not see any.. I asked if they had pulled the Video and the Agent said they had not. Since a full research had not been completed I went back to the Wells fargo bank and asked them to file a complaint since it was their ATM that failed and that a complete investigation needed to be completed. The Manager gave me the phone number for their Executive offices so I could call them.. I called Wells Fargo Executive Offices and they gave me a new Claim # XXXX. The agent said that they would try to get the video from the ATM and also see about the register as well. On XX/XX/2018 I received a Letter from Wells Fargo Operations complaint Management Office which claimed they were not able to determine a ATM malfunction. They claimed the ATM was balanced and no cash was found. Additionally they claimed that ATM Video will not determine the bills that were inserted or the ones returned so they will not be pulling the video. Needless to say I am out XXXX dollars and a complete investigation was not done. Furthermore I go on XXXX to find out that Wells Fargo was having a number of Deposit issues at the same time which included ATM 's and Phone Deposits via Scanning. It is my opinion that the Bank did not do all that was needed to complete a through investigation. Please 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 2023-02-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2021-08-12
Company: Consumer Portfolio Services, Inc.
State: OH
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:
There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date.

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
Consumer Portfolio S - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Portfolio Services XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL  DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!

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 2018-03-08
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX policy was switched after an the quote they gave me was incorrect and suddently increase my price. The month of insurance with XXXX XXXX was paid and yet XXXX XXXX kept billing for months when XXXX sent them notice and took over our auto policy. 

The collection firm nor XXXX XXXX XXXX sent a notice of debt or collection. We never received a phone call or letter after the cancellation of account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was referred to Consumer Complaint by my Congressman, XXXX XXXX, the ranking Republican on the House Financial Services Committee. 

On XX/XX/XXXX, we purchased a XXXX cruise in XXXX and XXXX through a travel agent, who paid the airline, the cruise provider and the travel insurer with my Visa credit card. 

Due to a progressive illness, this was to be our last trip. It would have been difficult, but we chanced it while there was some possibility. 

When the Covid pandemic forced cancellation of the cruise, the air fare, insurance and cruise payments were fully credited by Visa back into my checking account. 

But then Visa re-debited my checking account again, saying the the cruise line had offered us an IOU. 

I explained that our medical situation made an IOU worthless. We explained this in great detail to Visa, multiple times, in routine dispute correspondence. The cruise line and XXXX  Government guaranteed in writing to repay Visa if we did not take advantage of the IOUwhich we physically can't. 

We explained to Visa that the IOU was useless to us and why. Even so, Visa debited our checking account and proposes to hold the value of the cruise until the cruise line pays them in XXXX, essentially forcing us to loan Visa the cruise amount until then. 

Visa 's checking account debit caused transactions to bounce, triggering overdrafts and wrecking havoc with our bookkeeping at a time when other things needed our attention. We had to sell investments to restore our checking account and presumably our credit rating has been harmed by the overdrafts. 

We had paid everything we owed to Visa in full and on time. We explained the situation repeatedly by post and telephone calls. The barrage of apparently computer-generated form letters does not seem to be a good faith attempt to resolve the situation. 

Clearly we have no stake in the dispute between Visa and the cruise line. Certainly we have no obligation to save Visa harmless for the cost of the cancelled cruise until/unless the cruise line meets its its XXXX repayment commitment to them. 

We paid Visa in good faith and received nothing whatsoever in return for the payment. We need and deserve our money back..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For over three weeks I have tried to have Equifax remove dispute comments from two accounts on my file. They tell me they are going to take care of it and they would send me an email in 24-72 hours and the comments would be removed. I have waited several days and would not receive any email confirmation. These two accounts on my file I am no longer disputing and would like the comments removed. Every time I call I receive different information from the agents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AROUND XX/XX/XXXX, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCRURATE INFORMATION. 
FRADULENT ACCOUNTS- XXXX XXXXXXXX XXXX XXXX , XXXX XXXX XXXX XXXX FRADULENT HARD INQUIRES : XXXX  XXXX XXXXXXXX XXXX, XXXX  XXXX , Factual Data , FRADULENT HARD INQUIRES : XXXX  Factual Data , XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT ACCOUNT-XXXX Collections-Unknown- XXXX XXXX FRADULENT HARD INQUIRES : TRANSUNION : XXXX, Factual Data FRADULENT ACCOUNTS : TRANSUNION XXXX XXXX XXXX, XXXX XXXX WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT.

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCULDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B

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 2020-09-11
Company: Allied Collection Services, Inc. (Nevada)
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
allied collection services is saying i owe them {$430.00}. they have negatively impacted my credit report with this false item. i dont owe them anything at all. i dont recognize this debt. they are trying to collect a debt not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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 was checking my recent credit report, and found accounts and inquiries that I did not recognize. These accounts are fraudulent and I have never given authorization for these accounts. There were multiple inquiries reported on XX/XX/XXXX of XXXX and more on XX/XX/XXXX of XXXX, that I have never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While applying for an automotive refinance, the bank notified me of a collection that just popped up. I immediately called the collection agency to ask what this debt was. They told me that they had notified me in writing on XX/XX/XXXX. I have the USPS scan and provide me with images of my daily mail prior to delivery so this can be clearly disputed. On or about XX/XX/XXXX, I spoke with XXXX, the person who answered my call at XXXX XXXX out of XXXX, TX, that the only strange call I received that might have been some attempt was an UNKNOWN number calling me. The caller immediately asked if was the person they were looking for and I said, " yes '' and asked who they were. They told me that unless I verified my identity by providing my address and social security number that they could not even tell me who they were. With " phishing '' and identity theft being a nightmare, I refused and asked who this person was, eventually the call ended. XXXX said that could not be them because that was illegal. Upon looking at reviews on the XXXX website, there is a CLEAR pattern that this is their tactic. Many many reviews suggest that the same " tactic '' was used. Additionally, XXXX stated on the recorded line that he was not sure how or why XXXX was pushing this after all of these years. He suggested not paying it because I could dispute it with all 3 depositories and it would be removed based on the age alone. XXXX removed it within a matter of hours. 

After talking to XXXX, I messaged XXXX ( the company owed the collection ) on XXXX. They quickly verified everything and apologized to me, crediting my account to a {$0.00} balance with rep sending me a message saying " Considering I can date your account history all the way back to XXXX, I would like to just credit this balance for you. You were a great customer here for years and taking care of this amount is one little thing I can do to show we appreciate your time here. '' Had Southwest Collections identified themselves, notified me in writing, or actually made an attempt to let me know about this, I would have immediately called XXXX and likely gotten the same resolve without having it impact my credit. I had a XXXX credit score with  nothing derogatory on my profile. I had over {$20000.00} in my account and would have offered to pay the piddly {$110.00} instead of getting declined for a car loan that forced me into accepting a much higher rate at a different bank that will cost me {$4500.00} over the life of the loan. As a result of my loan denial, this has become " Actual Damages '' and something I can not recover from without legal intervention. 

As I stated, if you look into complaints about this company, you will notice a big pattern of this. Both their phone records and mine should verify this. Their recordings should validate everything I have stated in this, as well as my messages and emails from XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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:
SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 explanation
Consumer complaint received 2021-02-24
Company: Southwest Credit Systems, L.P.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX .... Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$520.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$9600.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

SOUTHWEST CREDIT SYSTEMS XXXX Balance {$670.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX .... Balance {$1900.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: MIDCOUNTRY FINANCIAL CORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XXXX for an account paid in full in XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.

Company response to consumer: Closed with explanation