BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing with equifax since XXXX for the same issue and they have not deleted anything. XXXX already deleted the same collection months ago from XXXX XXXX. I recently sent another dispute in XXXX. I disclosed that I was apart of the Equifax data breach as well. I sent everything certified because I am keeping a paper trail for proof they are ignoring all laws and dont care about my rights at all by violating them all. I called several times to tell them these inquiries were not authorized nor do I recall any of them also the collection reporting agency I disputed as well and they keep saying everything has been verified WITHOUT ANY PROOF AND I KEEP ASKING FOR IT AND THEY NEVER SEND PROOF. They are ignoring my requests and this is now caused me stress to my health as well as causing me to get denied for credit because they wont delete these fraudulent items off my report. I have sent them everything including dispute letters, federal trade commission ( FTC ) report, even a letter from XXXX XXXX them selves saying that only the credit bureau can delete the inquiry and they dont have a account with me Ill attach everything I sent them to this complaint. Im trying to purchase a home and these items on my report is holding me back. I dont want to take this to court but if this continues to happen Ill be left with no other choice because this isnt right and these items need to be deleted. Im getting denied for credit every time because of these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a Wells Fargo Home Mortgage from XXXX and started having financial troubles and missed a payment and they made it impossible to catch up, the only option presented was a deed in Lieu foreclosure which we were forced to accept. It is my understanding they have settled for their illegal practices and I feel we were a victim also.

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 2020-02-23
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them immediately.

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 2022-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my equifax credit report I realized that there were inquiries being reported that I did not authorized. I contacted equifax and informed them of the inquiries and they did nothing to help. The representative was very rude and did not provide any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America provided me with a 0 % balance transfer offer as long as I made the minimum payments ; even while making the minimum payments, I was still charged interest on a monthly basis. I filed a complaint against BOA before and the refunded my interest payments, but continued this deceptive practice. The total interest I was charged was {$14.00} plus an additional {$160.00} in fees.

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 2021-09-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, Equifax, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and XXXX XXXX. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Diversified Consultants, Inc.
State: SD
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:
In the past week I have received frequent repeated calls from XXXX XXXX XXXX ( they say ) ( XXXX XXXX on caller ID is only one of the phone numbers they have used ). They have been trying time after time to confirm my personal information that they have, including name, address, and social security number. I have not cooperated, and asked them to stop calling and told them that the information they do have has apparently been fraudulently compiled. The address that they have for me is wrong - they have me on XXXX XXXX in XXXX XXXX, Texas. That is not me. I would like someone to send law enforcement to that location and pursue the real perpetrator. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Fifth Third Bank 's mobile banking app and website are down 2-3 times a week, making it impossible to access your accounts for anything, and sometimes even using the card. Their customer service is only open until XXXX on a Saturday ( the day the issue occurred XX/XX/2020 ), leaving customers with no explanation other than they're experiencing difficulties with the network. There was recently a data breach from their own employees, they offer no explanation or turn-around time for issues, and makes accessing your money completely impossible until they decide to resolve whatever issue is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This specific account is in fact stated as a charged-off account, you need to tell me the key reason why there is a balance appearing on the credit report whether it is a charge off? The balance is in fact incorrect, take the time to reverse it to XXXX or erase the item certainly. You can also offer documentation to confirm all the charges and credits of this claimed account that brought to the high credit figure you've indicated on my credit report. My request to provide these documents is seen as a proper information petition as documented in my privileges provided within the fair credit billing act.

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 2019-08-08
Company: WELLS FARGO & COMPANY
State: NV
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:
Wells Fargo XXXX XXXX XXXX  XXXX XXXX MD XXXX has false consumer information on my credit report. I disputed it and they lied and said they certify that the info is correct that my home mortgage was a part of my Bankruptcy when it wasn't. It looks as if i did not pay for my house when i did. I refinanced and then paid for it a year later. It shows on the report that my home was paid with my new lender who paid wells fargo. So how can it be a part of the BK.. They also added false late pays since disputing trying to make my credit bad. I had no lates and i couldn't have been late or i wouldn't have been able to refi.. They refuse to remove the false info.. I need the person doing this removed from wells fargo and the false info on my report removed. No judgement dismissed the debt per their fraudulent notes, wells was paid in full as my records show. I also was not late on payments more than 30 days nor negative like they just added to my file. XXXX  should be ashamed of themselves for allowing wells fargo to do this. They can see the same house was paid in 2017 which was the company i refi with. Please investigate them. They are playing with our lives making us not even be able to rent while having a low score over lies. Shame on wells fargo and the credit bureaus for allowing falae info to be added. I paid my wells fargo dealer loan off also XXXX with no late pays. They are liars and should not be in business if they are going to keep frauding Americans like 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 2017-09-29
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
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 status incorrect

Complaint:
I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be  lowered because it looks like a recent collection on an account that I just opened

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 2017-09-29
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notified about this debt of XXXX according to XXXX Diversified Consultant stated the addresss matched and I was not living there. This was over 2 years ago and XXXX did not notify me. Called XXXX directed me to Diversified requested a pay to delete and was refused. This was removed from XXXX and XXXX XXXX because there was no evidence of address or notifying me about this at all in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
received a letter from chrysler capital regarding my leased XXXXXXXX XXXX XXXXXXXX. The letter stated that my lease was ending in 45 days and i needed to get ahold of the allegience team to inform them of what I wanted to do with the vehicle at the end of the lease. I contacted chrysler capital on XXXX XXXX to inquire about an extension to my lease as I broke my XXXX  and can not drive the vehicle at this time. I was told that they would make a request and to call back in 2 to 3 days to find out if it was approved. Called back on XX/XX/XXXX and was told that there was nothing noted in my file. was placed on hold and after about 10 minutes the customer service rep came back and told me that I would not be able to extend my lease UNLESS I had ordered a brand new XXXX and was waiting for delivery with a confirmation #. I don't want a new XXXX. I then inquired about purchasing the vehicle and was told to get ahold of the XXXX  team ( Chrysler capital lease option team ) to work that out with them. So i call the number for the XXXX  team and it immediately went back to chrysler capital. Chysler capital then informed me that I wasn't able to speak to the allegiance team. Im like, i paid all my payments and am current on the lease, whats the problem? I was simply told that I wasn't going to the allegiance team. They quoted me a payoff that was higher than the residual balance on my lease and then hung up. I don't believe chrysler capital wants to sell me my truck for the residual value ( XXXX ) because they want to get it back on the lot ASAP because the value on that truck in still around XXXX to XXXX. I paid over XXXX in lease payments. I would like to be able to discuss with someone the option to purchase my vehice after the lease ends.I keep buying/leasing XXXXXXXX XXXX and XXXX XXXX but have never been treated this bad in all the years I've dealt with them. Normally they've been pretty good, this time not so much. I know they have a shortage of vehicles and heard from enough people that they simply want all leased vehicles back because they are now suddenly worth way more than the residual value. ( the price i get it for at the end of the lease )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bloomingdales sent me an email regarding a purchase made online with my credit card I have agent from Bloomingdales consumer protection department did advise to submit claim with CFPB because I could be a victim of fraud.

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 2017-09-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Had a checking account that was closed by the XXXX XXXX attached to the checking account was a credit line. When they closed the account they never said that the credit line had to be paid in full. Payments were made in accordance with the monthly payment. When i was told that the account had to be paid in full the amount was paid immediately. I have been trying to open a checking account and i have been told that i have a mark against me on XXXX. I called the aforementioned company and was told there was nothing they can do. I called the bank ( XXXX ) and they told me there is nothing they can do, that they have put a satisfied into XXXX I was never late and was never told the account had to be closed. This was there mistake and they refuse to remove it from XXXX. I am having a hard time getting an account open.

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 2020-02-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts.

USAA FEDERAL SAVINGS BANK AND XXXX XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is in response to a previous complaint filed with the CFPB ( case number XXXX ) against First Point Collections. This agency claims that they sent my original request for validation to an address they had on file which proved to be the wrong address because I never received any claimed validation from them. My correct address is the one listed on the certified mail that I sent as well as the address I listed in my initial debt validation request. By sending this alleged validation to the wrong address First Point has exposed my medical information being that who knows who was on the receiving end of that information. This is a violation of my HIPPA rights as no one should have my medical information other than the medical provider who treated me. This also violates my right to privacy. Also I never received any communication from First Point Collections informing me of this alleged debt which is a violation of 15 USC 1692g ( a ). So not only did they furnish an unvalidated debt but they also turned a private matter public by reporting it to consumer reporting agencies, so they are advertising this alleged debt to coerce payment which is in violation of 15 USC 1692d ( 4 ). Also I have attached the alleged validation letter they attached via the CFPB because they sent the initial request to the wrong address. In this letter First Point Collections is in violation of 15 USC 1692b ( 5 ) as well as 15 USC 1692b ( 2 ) for stating that they were a debt collector without knowing who they were communicating with. Since they sent this information to the wrong address whoever that received that mail could assume that Im in debt causing harm to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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 made on line payments on my credit card account for years with XXXX XXXX XXXX XXXX. 

They updated their online payment system in XXXX of XXXX, and my credit card payment was made as usual yet not recorded in the new system. I made an additional payment on the account when the first one seemed to have gone astray, and both of these payments show on on my XXXX records, yet my account was still reported as unpaid by XXXX. 
I immediately filed a dispute with XXXX and Transunion, and received a statement saying the error was on their part and would be corrected. 
30 days later the misinformation remained on my credit report, so I filed another dispute, and this time it was verified by XXXX as being correct, claiming I missed a payment when in reality I had made two payments that month. 
It is now XXXX of XXXX and this information remains incorrect, leaving me no option but to accelerate this action to the CFPB and my local states attorney office.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 2020-02-23
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. please remove them.

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