BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: WELLS FARGO & COMPANY
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to call to correct the address that Wells Fargo Dealer Services is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also Wells Fargo Dealer services are reporting a late charge from XX/XX/2012 on my XXXX and XXXX  reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. Wells Fargo Dealer Services are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. Wells Fargo dealer services can't even keep their own facts straight they report 0 missed payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.

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 2019-08-20
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no proofs to offer to support a dispute, and thus your assertion in the form of a policyreport is being used to obtain blockage, not contest the accuracy of its reportingYou have refused to fallowed the credit reporting act 605bStating that you have reason to determine that you have made a misrepresentationof material fact relevant to the request to block; c) XXXX  has reason to determine that youobtained possession of goodsThe account and those inquired are fraudRespond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains keypieces of personal information, such as Social Security or driver's license numbers, in order to impersonatesomeone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, underFCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that informationto any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), itmay not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. §1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of whichis enclosed, I am requesting that the item(s) be removed to correct the information. You have no way toascertain the legitimacy of my action without investigating the items in questionXXXX XXXX XXXX  ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX XXXX XXXX ACC#XXXXXXXX, XXXX SOC SEC # 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 non-monetary relief
Consumer complaint received 2021-01-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX 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 2018-07-15
Company: ENCORE CAPITAL GROUP 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX refuses to remove collection reporting on my account regarding an collection account previously with XXXX XXXX XXXX. Not only is the XXXX collection account a negative impact on my credit but there is also still another account of the original creditor XXXX XXXX XXXX listed as well. Both of these reports with both XXXX  and XXXX are severely impacting my credit score which I am in the process of rebuilding. I have opened a new secured account with XXXX XXXX and have come to agreements with several past creditors and collection agencies to remove negative information so I can better my credit profile. I am making regular payments and no longer have delinquent accounts. I would appreciate it XXXX XXXX XXXX and XXXX XXXX XXXX would show the same courtesy as all of the other companies have in my efforts to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Loancare regarding loss mitigation options to save my home. I have submitted all requested documents in a timely manner. On XX/XX/2020 I was informed by a representative named XXXX that my application was deemed complete and was now in active review with underwriting pending a decision. I requested that my sale date currently scheduled for XX/XX/2020 be postponed due to this active review and I was told the sale will not be postponed and will only be postponed if I am approved for any options. This is causing more stress to me as now I am sitting on pins and needles awaiting a decision which they informed me would be by XX/XX/2020. That only gives me 3 days to prepare in the event I am denied for any options. I believe this is a form of dual tracking which violates my Homeowner Bill of Rights. Loancare has never reached out to me nor offered me any assistance before they started the foreclosure process, I have had to initiate contact to find out my options. Additionally, I have no single point of contact assigned to my file nor have I ever been provided of any information regarding a point of contact with Loancare.

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 2020-02-05
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2020 I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Seattle Service Bureau, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Service Bureau XXXX XXXX XX/XX/2018 Has purposely done this on purpose. Because I challenged them and they never responded but still on my credit report a 609 fair credit report. Because legal action is where I am going to because of the damage you did to my credit when you know you just was buying up debt and we never sign nothing. Show me or remove it. Because a lawsuit is my next option because we in a crisis and you are a liar that I owe you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Chase saving account ( account number : XXXX ). A fraudulent transaction was posted on XX/XX/30. I filed a claim against it and it was recovered. However, due to the fraudulent transaction, the balance temporarily fell below the minimal balance requirement and two fees were charged. I have been trying to contact via online message, phone call and banker at branches to resolve the fees but none of them worked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few days ago, a collection agency named XXXX XXXX XXXX reported a {$4800.00} collection account on my credit report. I have not idea what this is, and never received a notice of my right to dispute, prior to the account being reported on my credit file. THis is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: STATE FARM BANK, FSB
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021, I mailed a letter requesting a method of investigation for inaccurate accounts that were claimed to be verified so that I could follow up. The FCRA gives 15 days for this information to get to me. However, it has been 6 weeks and I still haven't received the request!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I greatly appreciate the effortd exerted by the Credit bureaus to remove the dispute unauthorizd inquiries from my Credit Report but I see here that there are still remaining inquiries being reported without proper verification. Once again, I was a victim of identity theft and these inquiries were never made by myseld neither did I authorized anyone on my behalf. I have read that under the FCRA section 605b that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. I am submitting this complaint to protect my rights. If the Credit Bureaus insist on claiming that the disputed inquiries belong to me and continue reporting without proper verification, please understand I will pursue legal action. pursuant of the FCRA section 605b, Please remove the disputed inquiries as soon as possible : XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/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 2017-09-14
Company: EQUIFAX, INC.
State: SD
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 a previous victim of identity theft in XXXX. It took over XXXX hours of my time to get it cleared. 

I do not want to go thru that again. 

To protect myself from damage resulting from Equifax losing my most sensitive data, I am freezing all my credit reports. 

Equifax did not charge to freeze my credit XXXX wise of them XXXX. XXXX also did not charge. However I was charged {$10.00} to freeze XXXX. I 'm still trying to freeze XXXX but expect that to be another {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
SUBJECT XXXX about CHASE BANK. 

I received an e-mail from you stating that Chase Bank responded to my complaint that they were " working on it '' .The last e-mail from you stated that the case was closed. That answer is absolutely not acceptable!! Chase Bank has been " working on this issue since XX/XX/2017! They do not answer my repeated phone calls and still have not returned my money which was never intended for that bank in the first place. Chase has had my {$2000.00} ACH check for over FIVE MONTHS. By now a solution should have been reached. I need action not words. I am still without my money! 
PLEASE HELP! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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:
I greatly appreciate the effortd exerted by the Credit bureaus to remove the dispute unauthorizd inquiries from my Credit Report but I see here that there are still remaining inquiries being reported without proper verification. Once again, I was a victim of identity theft and these inquiries were never made by myseld neither did I authorized anyone on my behalf. I have read that under the FCRA section 605b that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. I am submitting this complaint to protect my rights. If the Credit Bureaus insist on claiming that the disputed inquiries belong to me and continue reporting without proper verification, please understand I will pursue legal action. pursuant of the FCRA section 605b, Please remove the disputed inquiries as soon as possible : XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I noticed before XXXX, XX/XX/XXXX, that my ( approximate ) {$3000.00} Account Balance at WALMART was not decreasing, so began making larger-than-minimum payments of {$100.00}, so as to hopefully see a decrease of that debt.. Then, when I made my XX/XX/XXXX, payment of {$100.00}, I noted that the interest charged was {$47.00}, and that a " Card Security Fee '' of {$50.00} was being added - the two working together to wipe out my payment! I do not remember authorizing this latter debt, but had it cancelled immediately, on XX/XX/XXXX. Meanwhile, my new WALMART bill for XX/XX/XXXX, has come and is due. It shows my last payment of {$100.00} was charged a total of {$55.00} - well OVER HALF of my payment. THIS IS OUTRAGEOUS! My wife had a serious XXXX in XX/XX/XXXX. She will be XXXX next birthday, and I will be XXXX. We have struggled to pay all bills, and have had to dig deeply into our life savings to make ends meet. Let everyone know that this treatment is from an All-American company ( WALMART ), which made its great success based on being " Consumer Friendly ''. Fifty PLUS % interest is hardly " Consumer Friendly '' - and my new XX/XX/XXXX Account Balance still remains at {$3000.00}. ( On my XX/XX/XXXXbill, there was also a totally unexplained " Interest Charge '' of {$1.00} for " Quick Cash ''. )

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 2017-08-04
Company: Bread Financial Holdings, Inc.
State: TX
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 X/XX/2017, I called in an order with XXXX for several items totalling XXXX . I did not receive the items. Instead, I received a bill. When I tried calling, I was referred to Comenity Bank by the automated phone system. I called Comenity Bank and got only an automated system that finally hung up on me and never addressed my problem. I was not aware of the association of XXXX with Comenity Bank prior to my order. Had I known, I would not have ordered anything. I had prior experience with XXXX XXXX who is also associated with Comenity Bank. This issue was resolved by the Better Business Bureau. I am concerned about the fraudulent way these companies do business, and I do n't want others to be held hostage to their practices. Please investigate and act against this unfair cooperation.

Company response to consumer: Closed with explanation