BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from the original creditor ( legal action department XXXX XXXX XXXX  XXXX XXXX ) in XX/XX/2018, stating I owe {$190.00} in damage to carpets and double coating wall painting. this letter also stated that I may get threats from the collection agency hunter Warfield,  harassed and the company will not be responsible. XX/XX/XXXX I sent a letter in response to XXXX XXXX XXXX stating I do not owe balance XXXX and please provide validation and documentation of charges listed in ledger. I  never received response back from the original creditor. On XX/XX/18 I received a second letter from original creditor stating the same as 1st notice. On XX/XX/18 I sent a 2nd letter to the original creditor legal department ( address listed on 2nd notice ) requesting validation. No response. XX/XX/18 I received a letter from hunter Warfield stating I owe XXXX. XX/XX/18 I sent a letter to hunter Warfield stating I have attempted to contact original creditor x 2 via mail, no response and requesting validation and proof of false charges made against me. XX/XX/18 I received a response from hunter Warfield with an ledger of balance breakdown, black and white photos of unclear spots on carpet. XX/XX/18 in response to hunter Warfield validation response.  I requested clear photos and proof showing that this was in fact the unit I previously resided in damaged and also provide proof of other damages listed on ledger. I did not receive pictures or proof from double coated paint charges of {$180.00}. I was charged for 11 stains on carpet and only received 6 unclear photos, I was charged for a gum stain on carpet and did not receive proof. XX/XX/18 I received a 3rd notice from hunter Warfield stating again the debt was validated, now owing a sum of XXXX with {$.00} interest added. I received the same photos from previous letter, still unclear and did not show in fact this was the unit I resided in. I still did not receive any proof of damage to walls requiring double coated paint and {$180.00} in charges. I have been receiving harassing phone calls after asking not to contact me by phone and only in writing. I have also been threatened to have my account reported to credit bureaus and listed as dispute. I do not owe this debt and feel my rights have been violated with threats of false information negatively affecting my credit report, along with reporting inaccurate information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
We called Wells Fargo to do a foreign currency exchange. During the call we were told there would be a {$7.00} charge if we did the exchange on  line. When we got home from the bank with the currency we ordered we realized that the bank had taken about 10 % off the exchange rate in addition to the {$7.00} fee. At no time were we told there would be an exchange rate conversion fee or what that amount would be. I understand that this is a small amount but believe this to be a trick for them to take money from unsuspecting consumers.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I noticed a hard inquiry pop up on my credit from XXXX XXXX XXXX in XXXX, XXXX. ND. I called the bank to resolve and customer service was requesting for my credit card number or social security number. This is fraudulent as I have not applied for ANYTHING from this bank or anything related to this bank. 

The address of their location is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX The phone number of their location is ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was trying to apply from US bank but the US bank does not provide me credit card.

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 2020-06-26
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item : CONTRACT CALLERS INC ( ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) Allege Amount Owed {$200.00} I have No knowledge of this accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
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: Public record information inaccurate

Complaint:
I sent a certified letter to Experian along with my theft report police report information also a procedural letter request requesting documents they received to verify the fraud account on my credit report, inaccurate address also inaccurate bankruptcy along with a letter from the court on my credit report given as the furnisher on my credit report, documents received. I requested documents supporting their proof these accounts along with the Bankruptcy belong to me the request was received by them XX/XX/18 giving them 15 days to provide the proper documents or remove all items for supporting documents where sent. They refused sent a new credit report with no changes. My dispute was direct & sent straight to the source Experian ... I called yesterday spoke with a rep that told me they don't really verify through the courts on the credit reports ( which is a violation ) disputes are to be answered by the furnisher in the credit reports or they Must remove the item. The rep told me they use a 3rd party vendor & they can't give that information. I advised her the information is inaccurate & I need to dispute with the source she refused also refused a supervisor.. I also have copies of all documents sent & verification my theft reports where received

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 2021-02-11
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
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:
This is another follow-up to previous complaints already submitted against Pentagon FCU ( Ref # XXXX and # XXXX XXXX. 

On XX/XX/XXXX, we received a letter from the Credit Dispute department, claiming that PenFed performs hard credit pulls on all joint owners to remain compliant with the USA PATRIOT Act. The letter does not explain why such a pull was not required for me, a white male, but was required for my wife, a non-white female nor does it explain why a soft credit pull is insufficient to verify the identity of joint owners, whereas it was sufficient to verify my identity as the primary owner. PenFeds feeble explanation for their action in no way justifies the clearly discriminatory and targeted manner in which they choose to attempt to remain compliant with Federal regulations. 

From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions against protected classes ( race, gender, and country of origin ) and the relying on fraudulent explanations to cover up their discriminatory actions based on race, gender, and country of origin. They have now closed this issue without corrective action, despite having acknowledged their wrongdoing on record on multiple occasions and having previously stated that they would correct this error on their part.

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 2021-01-29
Company: Garcadia Financial LLC
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FOURSIGHT CAPITAL LLC Requested On : XX/XX/2019, XXXX XXXX Requested On : XX/XX/2019, XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-12-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Comments in the REMARKS Section Placed by XXXX XXXX on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING XXXX XXXX OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XX/XX/XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION. 
4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

THANK YOU

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 2020-09-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was harassed about this debt with Easy Money. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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: Their investigation did not fix an error on your report

Complaint:
This is about Experian. I received a notification from them, via an email ( I used to have a membership ). The email notified me that my credit score had dropped XXXX points!! When I looked at my information, and called a representative, I discovered that no information had changed : I'm still paying my bills on time, and keeping my income to debt-ratio low. The representative told me that, get this- my score had dropped because my open accounts weren't very old. Hmmm ... .I replied, but, my score was XXXX, my accounts are " ageing '' and you've dropped my score because they aren't very old- but I had already established a high credit score when they were younger. I told him that makes no logical sense. He then told me that I needed to " hire '' a credit advisor. I need to hire a credit advisor for something that I did not do ...

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 2018-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My client is trying to get a lower payment for her HELOC with Bank of America. The payment has jumped from {$360.00} to over {$1000.00} per month as its in repayment. Since she is a senior citizen she asked me to help. Bank of America asked for an authorization to allow me to speak for her. She walked into a Bank America branch and had a personal banker send in. When I called on Tuesday ( XX/XX/XXXX ) I was told that the authorization needed to have an expiration date. We amended the authorization and my client went back to the branch to submit on XX/XX/XXXX. I called this morning ( XX/XX/XXXX) and the first person I spoke to said they don't have an authorization ( which is nonsense ) so I asked to be transferred to someone else. XXXX in Texas was his name and he said they needed a legal POA to continue and I told him no I didn't as I had already spoke to Bank of America earlier this week and all I was asked for was an expiration date to be added to original authorization, He transferred and after waiting on hold was disconnected.

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 2018-12-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent Equifax multiple letter on this account and it shows on my credit report that the monthly payment is {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: ID Analytics, Inc.
State: MN
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:
I called XXXX and asked how they came up with my score when my insurance card told me we got information from XXXX. I called XXXX and he said we will send you and still now they are not giving me my credit report. I asked and faxed to them 3 times and no one responded till now and i got the fax confirmation letter.

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 2020-06-26
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax XXXX : Complaint Department XXXX XXXX XXXX XXXX, XXXX  XXXX I have recently pulled my Equifax credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that this account was deleted. Please follow suite and delete these accounts for accurate reporting. They were deleted in order to show my true credit history. 

XXXX  has removed all accounts associated with ( XXXX   XXXX  ). These collection agencies were reporting the following accounts from the following original creditors : ACC # XXXX Amounts : {$20000.00} Original Creditor : XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Ditech Financial LLC
State: IL
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:
To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at XXXX XXXX XXXX customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with Ditech Mortgage , it was scheduled to transfer to XXXX but never transferred because the truth of the matter is my Dad refinanced from Ditech in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when Ditech was the mortgagee. I dont know how my mom and I were even on Ditechs record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I  never received any correspondence from XXXX, or Ditech about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to XXXX, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. XXXX is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband and I were in the process of buying our first home. Someone posed as our escrow officer of XXXX XXXX XXXX and emailed me wiring instructions which I took to XXXX XXXX XXXX XXXX. {$20.00}, XXXX was wired to a fraudulent account at Wells Fargo Bank. On XX/XX/2017 I found out that my money never made it to the actual XXXX XXXX XXXX. On XX/XX/2017 I was told that my money was still at Wells Fargo in the account I wired to, however, Wells Fargo had frozen the account and will not release the founds at this point with out the owner of the account 's approval which the whole process was a fraud. It is a fraudulent account. XXXX XXXX XXXX XXXX has done two recalls of funds, however, wells Fargo refuses to return the money knowing that everything was a fraud.

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