BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo charged their own auto insurance when I already had one in place causing my payments to go to the insurance that WF placed instead of the loan itself. This caused the car to be repossessed. This was done knowing I had given a large down payment, caused a lot of confusion in the numbers, and WF made it very difficult to try and get everything straightened out. WF 's actions are deceiving.

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. 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 2019-12-26
Company: Sovereign Lending Group, Incorporated
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in may i received an offer in the mail to refinance my home. I called the company and spoke with a loan officer who went through pulling my credit and completing the paper work even after I said I did not think my house was worth the amount of money he was projecting to refinance and get cash out. The loan officer lend me to paying for an appraisal that they said would be reimbursed during closing with my credit card. After a week of consideration I decided to no proceed with the process because I felt the decision was rushed and did not make sense at the moment neither did the value of the home high enough as he was pushing. In XX/XX/XXXX I sent him an email asking if I could know what the rates were I could consider a refinance without the cash out. Before he responded to me he went ahead and pulled my credit again without my approval I received a real time alerts with XXXX. After I asked him he said he was checking where things stood and I never heard back from him again. A few months later I called I was told he left the company that is why he was not responding to emails. 
I asked to speak to a supervisor and make a complain while on phone with the person that said they were in charge the tried to explain my frustration and complain but the person was not interest in listening and when interrupted me to tell ask me " is your credit really low '' I responded and asked why because I have an accent I have to have a low credit? he hanged up his last words were you are very difficult. 
I called back and asked to speak to a manager, I was on hold 15 mins and when one was available he came on the phone and said he will listen to the call and get back with me it has been well over 3 weeks now and these racial comments are just not a rare thing for this company that just goes under wraps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX  and Experian Credit Bureaus Have Bankruptcy on these 2 credit agencies since XX/XX/XXXX and would like to have removed since 8 years old. I have good credit standing and would like to apply for student loans for further education however not able to to since this record is still on there. 

I placed complaints to both companies and they will not remove due to they state it will not be removed until XX/XX/XXXX. 

Any assistance would be great so I apply for student loans for education.

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 2018-03-07
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a debt I owe for a red light violations..I 'm assuming a municipal debt. However I'm receiving back to back call after a FOTI/message was left. I received a call on Monday XX/XX/XXXXat XXXX ... and a XXXX minute message left. After the message was left ... I received another call a minute or less right after on the same date XX/XX/XXXX.This happens all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts

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 2023-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I read dispute results from XXXX regarding my creditor, XXXX XXXX XXXX  statement balance for XX/XX/2023. A balance has been reported to my credit report at least 2 times inaccurately for the month of XXXX within a 30 day period. The balance on my balance sheet for XX/XX/XXXX is {$340.00}. On XX/XX/2023 the balance was reported correctly. On XX/XX/2023 XXXX XXXX and/or XXXX, Equifax, and XXXX reported a balance of {$1000.00}. Today, XXXX dispute results shows my statement balance for XX/XX/2023 as {$1500.00}. This practice is unlawful, discriminatory, and against the Fair Credit Reporting Act. This action has caused an adverse affect on my credit score and report. Credit bureau systems and/or employees should know to only report credit balances once a month, accurately, and within the statement month 's period ( usually 30 days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
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 letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. WELLS FARGO is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2023-07-04
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:
In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: North State Acceptance, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under NORTH STATE ACCEPTANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 

I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$3500.00} was transferred from my checking account to an institution in XXXX as a result of a scam. The scammer was saying he was representing XXXX fraud department in California. I found his contact on XXXX search. This scam started on XX/XX/2023. On XX/XX/2023 the {$3500.00} was transferred to XXXX. I realized this was a scam because he asked for Social Security Numbers for me and my wife, plus other suspicious requests. My wife contacted Bank of America on XX/XX/2023 to recover the {$3500.00}. She talked with XXXX at Bank of America. She filed a claim number as follows : XXXX for our account ending in XXXX. On XX/XX/2023 Bank of America sent letter to us stating that they will not credit our account because the transfer was done by our instructions. I believe this violates Regulation E of federal electronic fund transfer act because trickery of scammer.

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 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express failed to return the fund that I paid to an archived Amex XXXX credit card account that has been inactive with {$0.00} balance since XXXX The payment was made on XX/XX/XXXX in the amount of US {$1300.00}. I have a proof of payment for the transaction ( attached ). And I have a recording of the Amex automated telephone system confirming that Amex received and processed the payment in the amount of {$1300.00} in this account on XXXX XXXX XXXX 

Payee account number : XXXX Amount : {$1300.00} Trace number : XXXX Transaction ID : XXXX Sent on : XXXX  Payment effective date : XX/XX/XXXX Payment processed and posted by Amex on : XXXX  ( I have a recording of account payment history by Amex confirming this ) However, despite repeated calls to Amex card customer service to have them return the payment to me, I was given the run-around by the agents. The first Amex agent told me to contact XXXXXXXX XXXX  to recover the fund. XXXX told me Amex no longer transfers the fund paid into the archived Amex account to XXXX. The second Amex agent I called told me internal bank procedure stipulates the fund should be released and returned to originator within 14 business days, and advised me to call back Amex on XX/XX/XXXX to raise an escalation to have the fund returned, if I do not receive the fund back by XX/XX/XXXX. The fund has not been returned by that date, so I called Amex to raise an escalation. The 3rd Amex agent said he can not raise an escalation to return the fund until 60 days has passed. Today, more than 3 weeks after that payment, Amex still is holding my money illegally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17
Company: TOYOTA MOTOR CREDIT CORPORATION
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'm the victim of identity theft. The credit bureaus have refused to correct my credit report even after I have sent supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: SYNCHRONY FINANCIAL
State: CO
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:
SYNCB/SYNCHRONY MAST continues to put on all my credit reports this debt that is not mine and was part of an identity theft issue that was filed in 2015 and they refuse to remove this from all my credit reports despite multiple requests.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ====================================== UNAUTHORIZED INQUIRIES PLEASE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX =================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have dealt with many consumer store credit cards, but I have never had an experience like the horrible one I have had with the Home Depot Consumer Credit Card. Please note that I am usually someone who is very careful with credit and paying bills on time ( as evidenced by my credit score ). 

I first reported to the Home Depot Customer Care Team ( now managed through Citibank ) that there were charges on my account that I didnt authorize back in 2020. After multiple calls, letters and escalations, I still never received any action from them and I continue to get bills for charges that I didnt authorize.

All Home Depot/Citibank did was give me a new credit card and transferred all of the balances to the new card. They even charged me late fees and reported lates on my account after I was calling every week insisting that I shouldnt have to pay for the charges that were under their review. 

After a series of run-arounds, getting transferred from representative to representative - I continue to only be told that their security team would get back to meafter over a year, I am not holding my breath. 

The experience with this company has made it very hard to want to continue to work with 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
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Relative to complaint # XXXX SUBMITTED ON XX/XX/2023 Relating to Bank of America sending my monies to an erroneous address on my Checking account. 
I have receive my XXXX monies in XXXX but Babk of America has not addressed the lack of security nor the late fees I was charged for rent subsequent to the administrative error on behalf of Bank of America. The bank error cost me financial damages which I addresssed in my initial complaint. But due to the BoA error. I was charged an additional {$270.00} per month in late fees because of the retention and mishandling of my wages. My expectation is that I be compensated for the late fees incurred from Bank of Americas negligence. For the months of XXXX, XXXX, XXXX and XXXX, I would like those monies reimbursed for the bank error in addition to my withheld funds. If my monies were sent to me at the proper mailing address, I would not have incurred the late 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 2023-03-14
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against Berlin Wheeler INC for committing identity theft. I have never given Berlin Wheeler any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt Pursuant to 1692c ( c ). Iam demanding you Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Berlin Wheeler INC can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produce and Berlin Wheeler INC continues its collection efforts, I will file for litigation for actual damages caused and Berlin Wheeler INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And by the way do you have a sign Authorization form SSA - 89 about my Social security number. Please tell you have on file I need to see that. And look here upon the receipt of the documents herein and of this Notice, you are here by Notified Pursuant UCC - 1 - 202f. Your prompt Attention and Response are both Requested and Required. Account # - 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