BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, most noble officials! I have had the measure taken to close my account with XXXX XXXX, which I am happy with. My issue is that when I called today, the XX/XX/XXXXto their customer service line at XXXX, I was told that I could not receive a confirmation via email of my closure. I knew that was not right, so after calling back again at XXXX, which was not supposed to happen, I had to wait 16 minutes for a resolution. This comes after an agent mocked me on the phone when I replied to her statement about her auditory difficulties. She said that she could not make out what I was saying, and I simply replied that I had full bars for a signal. She continually said she could not hear me. Finally, she transferred me after a hassle supreme. Everything is good, but their reps need a little fine-tuning with the customer side of things. Play with your own time, you know? Thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for an FHA mortgage with XXXX XXXX XXXX XXXX An Illinois Corporation and closed on XX/XX/XXXX. I was given a TILA but no Right to Cancel or Rescission Letter. I only discovered this on XX/XX/XXXX due to XXXX XXXX  XXXX, XXXX. attorney 's providing me with initial mortgage documentation. 

I am currently in litigation with XXXX XXXX  XXXX, XXXX, trustee of my loan since XX/XX/XXXX. I am in Foreclosure Court and informed the judge and opposing counsel that I never received an Right to Cancel/Rescission Letter. Attorney XXXX XXXX of XXXX XXXX, XXXX, for XXXX XXXX XXXX, XXXX. stated, " I was time barred '' and Judge XXXX dismissed my request to Amend Count VI - TILA Violation of my Second Amended Counterclaim. I never knew about a Right to Cancel or Rescind Letter until a lawyer informed me of it in XX/XX/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 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am placing a freeze on my credit files at XXXX, XXXX, and Equifax, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent Equifax breach ), the fee is an unjust burden on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have an XXXX  card and have paid 50 % of the balance yet they dont report that do they?!?

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 2021-11-06
Company: Key 2 Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit report and realized I had 2 collections I did not recognize where they were from. I am a victim of identity fraud with many inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For several months I have been receiving daily automated calls from Transworld Systems trying to collect a debt. When I answer I just get a recorded message to call XXXX and reference Case ID XXXX or XXXX. 

Returning the calls, I have learned that neither of the Case ID 's are associated with my name. I have made repeated requests to have my number removed, but continue to receive calls. On a call I placed XXXX at XXXX XXXX ( CST ) I was assured my number would be removed within 24 hours. It wasn't. On XXXX at XXXX XXXX  ( CST ) I spoke with XXXX and was told again it would be removed within 24 hours. 

Today, XXXX after receiving yet another call at XXXX XXXX I decided to file a complaint. They are calling my office line and interrupting my business. The last 2 calls I made to them I told them I would file a complaint if I continued to receive their calls. 

I have saved some of their recorded voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was fraudulently compromised onXX/XX/XXXX over XXXX was taken out of my account. I reached out to Chime on several occasions concerning the situation and they keep closing my investigation and dont seem to want to return my funds. They allowed someone to get into my account change my phone number and I had to call them and send it numerous documents so that I could have access to my own account. They admitted to me that someone called and pretended to be me and was able to gain access to my account. I have been fighting for months to retrieve my funds. I know XXXX dollars may not be a lot to some but this was a lot to me. I dont know what to do. I feel like I have exhausted all avenues. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Franklin Collection Service, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This organization has failed to provide the following information as well as constant calls and harassment. 
- Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: EQUIFAX, 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:
Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX systems. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with Equifax and by phone with XXXX with a rep named XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX 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 2019-01-14
Company: Experian Information Solutions Inc.
State: KS
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 tried to dispute a public record on my report and they are not removing it as asked. They are just doing what they want and don't care what the person is asking. I sent them a letter that indicates that it need removed and the the section number on FCRA that the letter shows.

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 2019-01-14
Company: Experian Information Solutions 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:
I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, U.S. Bankruptcy XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file

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 2021-06-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to resolve this situation with Ars. This company is reporting that I owe two accounts to them. These accounts are fradulent. 

{$210.00} {$1200.00}

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 2021-11-06
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX, I received a XXXX  Gift Card in the amount of {$230.00} issued by US Bank. I have attempted to use the card on several occasions. One of my attempts was on XX/XX/XXXX, at XXXX XXXX, the retail chain that sold the card. ( There appears a business relationship between XXXX and US Bank, as there are US Banks at many XXXX locations here ). The XXXX Supervisor attempted to get the card to work and then called US Bank. He was told that US Bank would electronically fix the card immediately. After several minutes we tried the card again, many times, and the card still did not work. The Supervisor and I called US Bank again and were told a replacement card would be provided by mail. 

I have sent four letters via US mail, on the following dates as follows, and have received no replacement card, check or communication. 
XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX. ( Delivery Confirmed ) I have been sending my correspondence to Card Holder Services, Bank and Risk Operations, XXXX XXXX XXXX, XXXX, Florida, XXXX. The Reference number is " ID Card XXXX ''. ( All communication and delivery receipts are available to you upon request.

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 2019-01-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}

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 2020-08-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding is reporting a collection account from XXXX XXXX  on my credit. I have never had an account with XXXX XXXX. This is fraud. I sent a dispute to Midland and asked them to send me something showing my information on this account. Midland refuse to send me anything, but they continue to report this on my credit. Midland is reporting on my credit that it is from 2018. There is no XXXX XXXX reporting on my credit with the original creditor. Only Midland is reporting this error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, To whom it may concern someone fraudulently applied for a credit card in my name. They never were able to verify my identity so there was no account open. However I had an unknown hard inquiry on my Equifax report from XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX which brought my credit score down through no fault of mine, which was flawless prior to this. I tried to dispute it online the next day but wasn't successful. Next I called Equifax and explained the whole situation to the representative. He informed me that I would only be able to get it removed with a hand written cover letter explaining the situation and some documents ( social security card, two forms of personal ID, bank statement, Federal Trade Commisioner report ). As requested I mailed them right away and called them to find out, was informed this can take up to 2 weeks for them to recieve. I checked again in 2 and even 3 weeks but they still claimed that they never received it. They asked me to resend it or fax it so I went to my local bank and asked them to fax it for me as I do not own a fax machine. Then they said they received it but are still unable to remove the inquiry due to some issue which they didn't explain very clearly why. I have then tried to call XXXX XXXX credit services and spoke to the representative, he claimed that he understood the situation but then after putting me on hold for 40 minutes I had another credit inquiry from the same company on XX/XX/XXXX. When I asked him why that is he said not to worry and that both inquiries will be removed however they are both still there to this day and my score is down even more. I went to my local XXXX XXXX  and explained the situation to the banker on premises. He sat with me for 4 hours trying to call every department and also had no luck achieving anything despite this being his profession. I think this situation is absolutely crazy and extremely unfair to me that I spent the last 4 months calling countless amounts of times, being on hold, repeatedly mailing papers that they claim they don't recieve on the other end and explaining the same situation over and over to people who don't even seem to try to understand what I'm saying and as a result just want to either transfer me to someone else or hang up faster. I really hope Consumer Financial Protection Bureau can step in and help me with what seems to be an endless problem for no wrongdoing on my end. I even received a letter from XXXX XXXX credit services saying that I am a victim of fraud which I mailed to Equifax but they also seemed to ignore it. I will attach it here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi my name is XXXX XXXX. I have never had any type of business with Apple at all! Ive never even had an XXXX XXXX or anything related to Apple. I am in the process of trying to figure out why no matter what i do i cant seem to raise my credit score. So i keep seeing this Apple card pop up on my report. I have written a letter some time ago and submitted complaints that this was a fraudulent transaction. This debt that i didnt even have knowledge of until it was overdue has been haunting me for 3 years now and constantly hitting my credit score. I want it off immediately! Also i saw on the bill they sent me that whoever had that account had the same name as me and the same social except like two numbers were different ... .have no idea what their birthday was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
Equifax recently reported a data breach of full identifying credit and identity information of approximately 143 million U.S. customers due to their negligence in protecting this critical data of which their customers have no direct control or consent over. Their website attempts to identify if I " may have been impacted '' by the breach, but it appears it may be providing a random response based on the differing answers I received when using the website more than once with the same information.
Based on the estimated number of customers impacted, including 8 million NY customers, it is highly likely most or all Americans with credit reports, including myself, have been impacted. Since much of the leaked information is virtually immutable ( such as SSN 's ), I will now have to contend with the possibility of my leaked identity being used for theft or other criminal purposes for the rest of my life, barring a major overhaul of SSN 's and the credit reporting system. 

Equifax has offered a year of credit monitoring through their own service, which will not itself prevent unauthorized activity related to my leaked information, nor will it protect against the repercussions of such an event. Additionally, the service will require payment to Equifax after the first year to maintain the service, while the potential for harm to my credit will be life-long. The leak itself, in addition to the original wording surrounding this monitoring service combined with recent reports casting doubt on the integrity of the security features used for this service make this an unacceptable remedy to the situation caused by Equifax. 

The best course of action I can take to protect myself is to make use of credit report freezes for all three credit reporting agencies ( Equifax, XXXX and XXXX ), in addition to utilizing fraud alerts and either manual monitoring of my credit report or subscribing to a monitoring service indefinitely. Aside from the resulting inconveniences and worry these introduce, there are fees associated with these measures that I am expected to pay for these services in order to maintain any protection and peace of mind for the period which I am affected ( which in this case, may be the rest of my life ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
Exeter Finance is reporting my Date of First delinquency as XX/XX/XXXX but the date is incorrect. It was first delinquent in XXXX and this account should be deleted off all 3 bureaus due it being past the reporting date.

Company response to consumer: Closed with explanation