BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: WELLS FARGO & COMPANY
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:
Fraudulent activity in my wells Fargo and XXXX XXXX account. So now I cant open or bank with anyone.

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 2018-04-30
Company: EQUIFAX, INC.
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 have information from equifax that my financial details where given to third party in a data breach. I have a account on my files that's not mine. This also changed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am fighting this collection due to the false payments that they say have not been made my account has been active with no late payments or any problems but now there has been problems they are saying due to late payments Ive paid my bill constantly they have switched my payments to two accounts and I only have one credit card they have never told me via phone any past due payments as I would have paid they say they sent letters but I never received and yet and still I call them and they don't say I owe anything to them they have been charging me interest and late payments over and over again throughout these months and I am not paying interest on anything I did not know of and spoke with representatives several times and NOTHING was mentioned. 

please remove this off of my credit!

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 2018-07-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM EQUIFAX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ).

*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: GREAT LAKES
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
While preparing for pre-mobilization to XXXX I was alerted that my student loans were passed due. I contacted Great Lakes on XX/XX/XXXX and informed them that I was leaving for XXXX in a week and that I needed to defer my student loan payments. I was told that I needed to mail a hard copy of my military orders to a XXXX XXXX along with my account number in order to defer my payments and it would be of no issue. I mailed a copy of my orders once I hit XXXX and assumed all was fine. I received no other communications regarding the issue after my original conversation. Upon checking my credit score I noticed my student loans had gone into default and were sent to a collection agency. I tried making contact with Great Lakes and the referred me to XXXX Consumer Services. The latter did not have any information for me and informed me on XX/XX/XXXX that my account had been forwarded to XXXX XXXX XXXX, XXXX. I have not been able to get any information on how to remedy my student loans being defaulted while I am receiving hostile fire pay since I am XXXX in XXXX and I know that I am protected under USSERA to avoid these things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, NV as well as an old po box in XXXX Ca., I have requested numerous times to remove XXXX XXXX XXXX  who is on XXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XXXX ; not only XXXX XXXX XXXX but also XXXX who is on XXXX, University XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX  absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX  XXXX. I would like my bankruptcy case # XXXX filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, NV. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.

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 2020-09-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2018-07-31
Company: Consumer Portfolio Services, Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I Co Signed a car for my ex girlfriend. We had a huge hail storm In Colorado and did about 6000 dollars worth of damage to her car. The insurance company issued a check to her dad and not the lien holder and her dad. She never had insurance herself. They pocketed the 6000 dollars from hail. And claimed the car as totaled. There was no reports of another accident or anything that they claimed to there insurance. Which sent them another check for half car being totaled out. So it left a balance of 7000 due to her and her dad not having gap insurance from a false accident report in the first place. So now the debt collection agency is saying I owe the rest of the money and is ruining my life and credit score by adding missed payments I should not be responsible for. If there is anything yall can do to help me please let me know. I dont what to do anymore. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
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 CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , A ND  XXXX   XXXX   XXXX   ) THE C REDIT BUREAUS GAVE ME NO VERIFYING PROOF. TH ESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN  MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  OF  2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: MO
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:
THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. EXPERIAN DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME   XXXX   XXXX   CARD AND   XXXX   XXXX   ( OPEN SKY ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is   XXXX   XXXX   1983.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

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 2019-08-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
The institution sent me a fraudulent letter ; in it they said I was pre-approved for a loan of up to {$8000.00} ; however after completing the application I was told I did not qualify for any amount. The problem is that I had to authorized them running my credit check, which deducts points. I always believed pre-approved meant already approved. I wouldn't have even applied if I were not pre-approved ; I was hopeful this loan would help better my credit not lower it. False advertising from part of a financial institution is a fraud and deceit of the worst kind ; because the damage to our credit is already done and all they say is sorry, you are not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Seterus, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The following number, XXXX started calling me on Tuesday, XX/XX/2018. They have called me multiple times, but will not leave a message.

I finally called them back yesterday, XX/XX/2018, and asked them why they were calling me. They immediately asked for my Social Security Number, which I did NOT give them. They could not answer as to why they were calling me repeatedly. I asked them to be be removed from their call list.

They called again today, XX/XX/XXXX, while I was in a meeting. I called them back again, and recorded the conversation. I asked once again to be removed from their call list, and notified them that they were also being recorded. They told me that was against their policy, and that i could not record them. I replied that i was located in Ohio, and was allowed to record them, especially since they were also recording me.

The lady said she would have my number removed, and yet they still tried to call me again later in the afternoon.

I looked up the number, and it appears to be Seterus Customer Service. I have never heard of this company, and do not have any idea as to why they are calling me. 

I want the calls to stop immediately, or i will be taking legal action against them for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 2 capital one credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: MO
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:
THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. XXXX DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME XXXX XXXX CARD AND XXXX XXXX ( XXXX XXXX ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is XX/XX/XXXX.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I own a business and had an account with Comerica Bank for about a year. in XX/XX/XXXX I recived a certified letter from " XXXX XXXX XXXX '' from Comerica that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an ATM company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " Comerica Bank XXXX XXXX XXXX XXXX, Ca XXXX and spoke with the manager XXXX XXXX and closed my account. I made sure the account was at a XXXX balance. Couple of months later I get a letter from XXXX about being reported to them for unpaid fees. I called XXXX  and I was told that Comerica reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that Comerica had tacked on overdraft fees from the time after when I closed my account per their request. I called Comerica to dispute this but they did not want to cooperate with me. By being reported to XXXX I can not open any new accounts with any other banks. I have tried and they say my business names needs to be removed before a new account can be opened. On XX/XX/XXXX I then called XXXX and just paid the {$520.00}. Although I do not believe I should pay for it, I still did just to be done with this. So the issue now is that although I paid in full the fees XXXX is telling me they can not remove my business their systme, and the removal request has to come from Comerica. So I then called Comerica and told them I need to be removed from XXXX  as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from XXXX. I am writing because I need help from being a victim of bad practice by Comerica Bank. Not only I paid the {$520.00} for which I dont believe I should have, now my business is reported to XXXX which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from XXXX, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX '' and my XXXX is " ATMs Unlimited '' Address is XXXX XXXX XXXX XXXX, Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions 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:
there is a bankruptcy report that being report by a third and is not the court on or about XX/XX/2018 to ask them to VI fly on what date did they report this to the credit bureau the court response back address the issues state that under the bankruptcy court do not report to any credit bureau agency. and this Letter was date on or about XX/XX/2018., the rule state pursuant 11.usc.107 ( a ) and that section state the court shall not disclose information specifically protected by the court under this title. and XXXX   never to remove it.

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 2018-07-02
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, XXXX Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and Experian Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. Experian was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX  Credit Bureau, XXXX  XXXX, and Experian credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).

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