BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
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: Investigation took more than 30 days

Complaint:
XXXX   XXXX   XXXX  , The firSt one is   XXXX   XXXX   {$400.00}, I have notifications from  XXXX  showing this was paid and removed. I 've disputed with   XXXX   XXXX   and experian.   XXXX   removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all   XXXX    reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is   XXXX   XXXX   XXXX  ,  XXXX .. This was a   XXXX   XXXX   account. Back in 2012 it was added to my reports but with inaccurate information the amount being  XXXX .. I disputed it was removed. SUDDENLY in  XXXX  out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final ..   XXXX   XXXX  . I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent  XXXX  proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns.  XXXX  and   XXXX   XXXX   removed the account from my report. Experian has not.  XXXX  has not removed the address associated as they said they would.

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 2018-07-27
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:
My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with Experian and XXXX  and they keep denying my dispute stating it is accurate when it is not at all accurate.

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 2017-12-22
Company: EQUIFAX, INC.
State: IL
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:
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
INNOVATIVE RECOVERY IN This company is reporting a Past Due Amount : {$3500.00} on my credit. XXXX  and XXXX  have removed the debt as it is not valid. XXXX  is reporting it and they say it is valid. I want them to validate the debt and remove from my credit report. They are reporting this debt on behalf of XXXX XXXX XXXX which I left in XX/XX/2018 for roaches infestation. Their contract was supposed to expire on XX/XX/2018 and I told them I will not renew because of roaches. My last payment was for XX/XX/2018. Innovative is reporting twice the month rent for breaking the contract. I have proof of the last month rent which was XX/XX/2018. I do not know how they validate the debt with XXXX. I have written communication and spoken verbally to the landlord. I want this creditor to remove the debt on my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: WELLS FARGO & COMPANY
State: VA
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:
On or about X/XX/2017, I reported five credit card fraud transactions to Wells Fargo Bank totaling approximately {$4000.00}. I stepped into a XXXX XXXX and reported the fraud. All but two transactions were removed. Those two transactions, totaling {$790.00} were posted to my new card. It was subsequently determined that there was a breach in the Wells Fargo security and the bank determined I suffered from an account takeover. I reported again that these two transactions were fraud. The bank started an investigation and indicated that they determined they were legitimate transactions. I faxed a request for them to reconsider their decision and they reopened an investigation. In the meantime, I contacted the Wells Fargo fraud department and we determined that a " fraudulent '' fraud report was generated at the XXXX XXXX branch on X/XX/2017. The fraud report contained " fake '' fraud disputes of transactions of {$10.00} or less since XXXX 2017. These were legitimate charges. This is useful since I made credit card payments " validating '' these fake fraud disputes since XX/XX/XXXX. When the real fraud dispute occurred in XX/XX/XXXX, I had made no payment since XX/XX/XXXX ; however,  the history of making payment against " fraudulent '' fraud claims made the bank rule against me and forced me to honor the large transactions.The bank employee that filed the " fraudulent '' fraud report no longer works there. I believe she was part of the scam ( knowing the bank business rules about paying on disputed claims ) and Wells Fargo know this and wants to cover up by sticking me with the bill. Wells Fargo has refused to provide a copy of the fake fraud report generated on X/XX/2017. They also indicated in their rejection letter that no new information was made available. This is not true since we determined that fraud claims on transaction prior to X/XX/2017 were fake.

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 2019-08-13
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For several months my mortgage statements have reflected charges labeled as other charges which are not principal, interest, or escrow. Multiple calls have been made to Fay Servicing, who is the servicer, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation of said charges. At no point could charges be validated or explained but yet they reoccur and late fees are being charged based upon it. Fay Servicing has been lees than truthful and made other errors on our mortgage in the past which all can be proven. Fay servicing will not receive money that is not due. Our mortgage is and has been current. It would appear that Fay Servicing is engaging in predatory practices and with as many complaints as they have there couldnt be a servicer more deserving of governmental oversight. If there is no resolution to the current issues within 30 days we will be forced to take other action which, after initiating, there will be no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had submitted a claim stating that a young lady that I raised and no longer in contact with walk into a Bank of America to open account the teller at the branch proceeded to tell her she already had an account but that was my money and old account that I had just deposited my stimulus check into this was and old account that still had her name attached to it but I had opened the account back when she was receiving ssi which she stop receiving in XXXX but kept the account open and was putting my money into the account she knew the money wasn't hers she even admitted it in a text she send my neice were she state that the teller told her about the savings account which allowed her take out every penny in one day all my saving which I feel the teller shouldn't have done I've been with BOFA for over 20yrs this put me in a financial hardship because of one unprofessional bank teller you came to the conclusion that there was no fraud committed but if the teller had not told about that account I'd still have XXXX in my account this was so unfair I think and exception could be made in this matter since you gave 60day to respond to your when I went to site to do so it would not allow me to state my discuss at you decision that I did not agree with I'm XXXXyrs old XXXX woman struggling to pay my bills that money that your teller told her about was my money my stimulus money and I have proof that that if not the teller opening her mouth I'd still have my money that could have paid my car note for 2 months please revisit my original claim I pray that you reverse your previous decision

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 2018-07-27
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:
My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with XXXX   and Equifax and they keep denying my dispute stating it is accurate when it is not at all accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

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 2021-04-26
Company: EQUIFAX, INC.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The preconstruction and/or construction contract details the amount and costs of the mortgage that is to be financed. Placing the responsibility on XXXX  XXXX ultimately causes concern and question regarding why Wells Fargo financed a mortgage for {$12000.00} greater than the amount of the builder 's contract with no evidence that why when this mortgage was closed with Wells Fargo, the check being issued at closing was only {$1200.00} as opposed to {$12000.00} ; citing initial discriminatory misconduct by Wells Fargo and an alleged foreclosure after the structure was paid without documents of an auctioneer name or contract, title search, etc. to seek documents from causes further concern for reporting discriminatory misconduct by Wells Fargo Bank, N. A. ( WFHM ). All correspondence from Wells Fargo Bank, N.A. ( WFHM ) shall only address the name of  the owner of the property, XXXX XXXX XXXX because legal recourse in Federal shows action was taken against all other parties.

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 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 XXXX, I entered into a temporary payment agreement with Capital One and I made the agreed payments. The company still reported late payment history for XXXX, XXXX, XXXX, and XXXX. I initially called XX/XX/XXXX to open a case about getting the late payment history on my credit report updated to reflect on-time payments because I made the agreed payments. Capital One agents called me XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inform that it had been resolved and credit bureaus would be notified and my credit report would be updated as of XX/XX/XXXX. I recently retrieved my credit report and noticed that the late payment history had not been corrected. I spoke to Account Manager XXXX ID # XXXX and was informed that they couldn't fix the inaccurate credit reporting on their end because they already asked credit bureaus to update XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: CL Holdings LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted them by telephone and submitted several times of disputes on credit report exsplain I was a victim of idienty theft before the hard inquiry was removed from my credit report but the collection still remains and the XXXX XXXX is a debt collector agency and has not yet contact me with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19
Company: HYUNDAI CAPITAL AMERICA
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/2014, I leased a 2014 XXXX XXXX. My payment date was the XXXX of every month and that worked just fine for the first XXXXwo years of the lease but then my financial situation changed. I am retired from my full-time position and try to work part-time to supplement my Social Security and pension. I live alone and have no family so I have to be self sufficient. My situation changed and I needed to start making my payments on the XXXX of the month when I received my pension. I called XXXX XXXX XXXX and asked if they could change the due date so I wouldn't accrue late fees. They said they couldn't do it but the dealer could. I called the dealer and was told that the lease was generated by XXXX so the change had to come from them After that I called XXXX every month to ask them to work with me. I got hung up on twice and they always refused to work with me. I asked for a supervisor and was told they didn't have supervisors. As a result, I finally quit calling and just continued to pay my lease on the first every month ( paid it online ) and they continued to ding me with late fees. I never missed a payment. 

When my lease ended I considered buying the XXXX but also looked at XXXX 's. I called XXXX to get the payoff and told them I was trying to decide between buying the XXXX or leasing a XXXX. When the payoff came out to be {$2700.00} MORE than the car appraised for, I went with the XXXX. One month later I got a bill from XXXX for {$840.00} -- -- - {$400.00} for a disposition fee and {$400.00} late fees plus {$47.00} tax on the disposition fee. I was completely unaware of a disposition fee as was the dealer. There was nothing on any of the lease end reminders and the lady I talked to about the payoff said nothing when she learned I might be leasing a XXXX. ( The disposition fee is charged if the customer chooses to not stay with XXXX ). 

I called XXXX and explained that I am a senior citizen on a very fixed income and I was totally unaware of such a fee. I also explained that I had tried for over a year to get them to change my due date and no one would work with me -- -- they were just rude when I called and hung up on me twice. I asked if, under the circumstances, they would waive both fees as I don't have that kind of money. They won't budge. I am sick to my stomach over it and would like some help in getting the fees waived. It will take me years to come up with that kind of money. I will NEVER have another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/XXXX. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDUXXXX # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXX This is my only number XXXX All other telephone numbers are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was recently denied a personal loan which prompted me to obtain my free annual credit report for all 3 credit bureaus. Upon reviewing my credit reports for XXXX and Experian I discovered that there is information currently reporting that is inaccurate. XXXX and Experian both list me as an authorized user for a credit card with XXXX XXXX XXXX that I have never been in possession of ; applied for ; nor given anyone permission or the authority to utilize my name or social security number. I disputed this with XXXX  XXXX XXXX back on XX/XX/2018 by placing a call to their customer service number XXXX. During that time I spoke with a representative regarding the matter and I provided my personal information to the representative when he was requested it, but the representative was unable to retrieve any account information and advised that there was no account listed in my name and no account for a credit card. 
Since this time, this particular account was removed from my XXXX   credit report. Given that I have no accounts with this company and again I never authorized my personal information to be utilized I am requesting that the information XXXX  XXXX XXXX is reporting to XXXX  and Experian is removed immediately as this inaccuracy is altering my life in a negative way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Account information incorrect

Complaint:
I believe that the accounts on my credit report are not mine, they should not be a part of my credit file. The information is being reported incorrectly.

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