BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a new credit card from Wells Fargo on late XX/XX/2019. The information on the official Wells Fargo mentioned " Apply in minutes. Get a Decision in Seconds. '' Nowhere in the page or the website of the application of the credit card, did they mentioned that it may take longer than a minute or it would involve additional steps to apply for a credit card. After I applied for the credit card, I received a letter in the mail saying that I need to verify my identity. I called them and went through some prompts. The customer agent told me that was it. A week later I received another letter saying the they still need to verify my identity. They want me to go to the nearest bank, show my ID and bring a copy of my utility bills. My credit score was XXXX before applying. I would have received the credit card, but was denied and it hunted my credit score below XXXX. I objected to this since I applied not knowing that all this would be required. If I knew all the requirements, then I would not have applied. My credit score is not lower because of the application and I don't have a new credit card. This has affected my score and it has costed me money since my interest rate have increase. Wells Fargo has deceived me in their credit card application and continue to deceive others.

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 2019-09-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have 3 Account on my credit and is not mine, Im call credit bureau and collection agency and they dont delete for about 2 years

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 2018-05-14
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XXXX. 
The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX, XXXX saying they want to resolve an account with ( XXXX XXXX XXXX XXXX ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX in XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently Accelerated Financial Services XXXX XXXX XXXX XXXX. In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " AFS '' that the collections pertains to a company called " XXXX XXXX  '' whom I have never done business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Is not mine account because they have with my different last name XXXX XXXX and they have XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This amount is XXXX dollars is not mine and Im have for about 2 years and they used different XXXX agency with ilegal process please si need they delete from my credit soon posible

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 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Please put this account back on, these were accidentally deleted. 
XXXX  XXXX XXXX  XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX  XXXX XXXX  Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXXXXXX XXXX XXXX  Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY 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 2017-11-28
Company: CITIBANK, N.A.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received notice from Citibank ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both Citi and XXXX have told 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 explanation
Consumer complaint received 2019-05-01
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:
On XX/XX/2018 & XX/XX/2018, I XXXX XXXX sent Equifax, XXXX, & XXXX detailed dispute letter ( s ) referencing the inaccuracies listed on my credit report. 

The report detailed inaccuracies in items reporting negatively that should not be, Collections that are not related to me, Late Payments, and unknown inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Siggi LLC
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The initial loan taken out in Virginia was made by me in store. There several other loans that were taken out in my name that do not match my bank statements. There are no deposits to my account on dates that have loans taken out by OMNI financial. I spoke to company to try and pull loan documentation they sent me over loan papers that dont even have a signature and some that dont match my signature. The initial store doesnt exist no more so they said that those documents they can not find. I have been paying this loan off for years and should have been done. This is directly affecting my lifestyle in the military. I cut the loan off from direct deposit because I shouldnt have been paying this loan for these many years. The company is not trying to help at all every time I speak to someone they just ask where is the money. It took them so long to just send the statements I asked for twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX put on all 3 of my credit reports that I owed them {$1100.00} in XX/XX/XXXX, with XXXX XXXX, which I disputed, due to the fact that I have the XXXX signed receipt from XXXX XXXX showing they received their equipment back on XX/XX/XXXX, so it was removed, then XXXX XXXX put in back on all 3 credit reports the same {$1100.00} again with XXXX XXXX in XX/XX/XXXX, which again, I disputed with my same records, and it was removed from all 3 again. Then XXXX XXXX put in on all 3 of my credit reports again for the {$1100.00} on XX/XX/XXXX with AFNI, by changing the original opened date to XX/XX/XXXX which on XX/XX/XXXX, I hired an attorney with the XXXX XXXX XXXX, in XXXX Texas, whom took my {$250.00} retainer, never had me sign anything, never followed up with me to this very day, phone number XXXX, which I sent them all the information I had showing it was an open and shut case of my rights with the FCRA, and when I was able to get ahold of them myself, I was told they sent AFNI a certified letter to asking them to remove the it from my XXXX credit report, as I believe that is the last one it still remains one, as it was removed from the other 2, but all that happened was AFNI lowered the amount to {$350.00}, saying it was now for prorated services I owed. From my understanding, once it was reported that I owed the {$1100.00} the first time, months after they had already received their equipment, which is what I was told the balance was for the first time, they broke the law? Then to do it again with XXXX XXXX, they broke the law again, just to do it a 3rd time, by changing the date the account was opened, which was almost a year after I have proof they had actually received their own equipment back, then broke it again, by just changing the amount and I have disputed this myself at least 15 times, and Ive paid for an attorney that has failed me as well. This has now been going on for over 2 and a half years of ruining my credit, my name, and stress you would not believe. I been on meds now because they just keep getting away with it. And when I called AFNI, they even told me that if it was at their collections agency, then they knew it had already been through the other 2, because they are the last of 3 collection agencies XXXX XXXX uses. I know I am not the only person this has happened to, I 'm sure. But I dont know what else to do. Disputes dont help, when I have all the actual paperwork, and documents showing they received it before it was ever placed in collection the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Brightfunders, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently filed a report, and you said you could not process it because you do not have a relationship with the company : XXXX If I reported the company as XXXX, try XXXX XXXX XXXX. XXXX is XXXX for XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting harassed. Below are just some of the dates of the calls.. 
XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. This is getting out of control. When I pick up, it's automated and they make me wait. I left a message telling them to stop calling.. I blocked their number, but they keep calling me! 
The company is Action Collection XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
So a company name XXXX XXXX called me and stated they are calling for a debt collection from cash store payday loan from 2010 in the amount of {$160.00}, but with interest and fees its totaling almost {$800.00} and an additional {$2500.00} in attorney fees. They threatened to take me out to court to collect on a 10 year old debt I dont even know existed. No letters in the mail from them nothing!! Just a threatening calls with heaped fees. They also threatened to put a lien on my car ... For over a mere alleged {$160.00} from 10 years ago. I asked the caller to send me the court summons and I will forward to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.

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: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I made several phone calls to Equifax on XX/XX/XXXX and XX/XX/XXXX to resolve an issue that has prevented me from increasing my credit limit with a creditor. There is an alleged freeze on my account ; I spoke with at least 4 Equifax representatives and they have not provided a resolution. Additionally, there is an error code ( NH ) that occurs when I attempt to create an account on www.equifax.com. An Equifax representative sent me an email on XX/XX/XXXX at XXXX EST that says the issue has been resolved ; however, it has not. As of XX/XX/XXXX, I still can not create an Equifax account and I still can not increase my credit limit with my creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: PA
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:
A car dealership from XXXX, PA used my information provided by an ex girlfriend to find her a car when my autorization was never obtained over the phone or on paper. XXXX XXXX  of XXXX, pa did this. I have called them and they have stated that you did do it saying i gave girlfriend permission which i didntand failed to investigate properly. I also called Experian to dispute unauthorized inquiries and they told me that since i didnt file a fraud alert when the inquiry was made it counts regardless if i auatorized it or not. I even sent certified mail to Experian with what i am disputing they ignored it and sent me nothing back. Please help I am currently trying to buy a house and banks are denying me saying to many inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I tried to get a credit score from Trans Union and was led to putting in information including Name DOB last 4 of social and credit card then I did not click anything and tried returning to the site using the user name and password The user name and password worked fine but I was denied access as they said they do not recognize me. I took pictures of the denied access. I then went to the credit card site that I input on Trans Union and saw not {$1.00} but an attempt to collect {$26.00} by TU : Transunion This apparently is some subsidiary of Trans Union that sells a subscription service. The website said that one can cancel at any time However by denied access to information one is unable to cancel. They texted me a code which I clearly suspected was weird as there was no company attached to the code ... I have saved that text as well. I contacted my credit card company to dispute the charge and as TU Transunion has not taken the money as yet ( It appears as pending ) I did file against the charge. All of this within an hour of inputting my info. I was informed by my credit card company that they have seen this before and to be aware that Trans Union may use a different name other than TU : Transunion to attempt to collect a monthly amount. They have seen several complain about this. Being denied access to the site is fishy to begin with I am able to sign in so why is this not secured? It is without a doubt a scam and Trans Union needs to be stopped I have read about the thousands of complaints online Trans Union being number one. They lead you to believe you are getting information for free then charge your credit card. That they get away with this is FRAUD and that CFPB can not stop them is odd. Hopefully enough complaints will come through to put a stop to this. My suggestion is that all credit card companies be forced to submit any complaints where fraudulent charges are filed. A database for complaints would allow bots to show how many are against specific companies. The ones that get complained about the most will go to the top of the list and can then easily be investigated. This should become law to protect consumers. Shared information from credit card companies should be mandatory especially complaints filed. Keeping this secret only hurts consumers. Also the email published by Transunion for customer service is bogus mail can not be sent there I copied from my phone and attached I also copied the denial to access of their site

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 2020-10-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/20, my application for an XXXX XXXX credit card was denied. They said that my credit accounts were frozen. Equifax, XXXX, and XXXX have each verified that my credit accounts with them are not frozen. What steps can I take to fix this problem? 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
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: Personal information incorrect

Complaint:
I attempted multiple times to remove a address from my credit report that do not belong to me. I tried to re investigate and dispute and this is what I got from experian : That reason can't be processed online. 
This Address was reported to XXXX by XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

The accounts in question is XXXX, XXXX XXXX  and XXXX. The address that do not belong to me is XXXX XXXX XXXX, XXXX ohio XXXX. I did not authorize these credit accounts and i have never lived at such address above. I just graduated from XXXX XXXX. All the inquiries are erroneous too. I do have a XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and a XXXX. Those cards I did apply for and received. 


The laws for re investigation through FCRA states : 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

The CRA 's are violating the laws and if this is not rectified I will be contacting legal representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Checkr, Inc
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
sent Checkr company on XX/XX/2018 A request to update there records and send me a copy with in 30 days. They have not provided me with an updated consumer report that accurately reflects the changes per the court document sent. Its been over 30 days.

Company response to consumer: Closed with explanation