BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: WELLS FARGO & COMPANY
State: CT
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 applied for a mortgage with WellsFargo on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager Wells Fargo Home Mortgage Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).

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 2016-05-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from XXXX stating that my information was compromised from the XXXX servers and that my information from a XXXX acct that i applied for was taken. I did not open a XXXX acct. I applied and was denied. But my personal information remained on their servers and was taken and a fraudulent charge of XXXX $ resulted. I have uploaded the letter from XXXX. Id like this negative mark on my credit removed removed since it 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 2017-11-16
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call regarding a debt to XXXX XXXX over the phone. I notified the caller that I did not receive proof of a debt owed and I closed the account in XXXX or XXXX of 2017 for disruptive cable and internet service. The items in question ( Cable boxes and modems ) were returned upon request from XXXX XXXX, which reflected the amount in question. I presented proof of same to the collection agency Sunrise and my attorney sent the collection agency ( Sunrise ) a letter also requesting proof of the debt. 

The Collection agency violated my rights under federal law and NY State law by placing a collection on my credit report for {$350.00} without providing proof of the debt. To date, I have not received proof of any debt nor have my attorney received a response from a letter sent to Sunrise Credit collection clearly stating the debt in question was invalid. I am requesting an immediate correction on my credit report or I will start litigation for damages in Supreme Court.

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 2018-06-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo? Last year XXXX in XXXX I was notified by an Investigation Company in XXXX Texas. 
They had made several investigations on Housing Costs Tax for Senior Citizens. They discovered {$700.00} City Property Tax that was Not Paid, but ; the {$700.00} was taken out of my Bank Escrow account? This led to Hearing in XXXX Texas Court of which I attended. 
The XXXX Court final decision was that it be replaced to my account y Wells Fargo!! Today ; XX/XX/XXXX it has never been returned to my Wells Fargo Account. 

This is Third house I have financed with Wells Fargo? Additionally ; I have discovered Thousands of USD missing from my account? 


I pay my House Payment at Bank the first week of each month. It is an 30 Year FHA Loan, Contract Wells Fargo has always been Honest?? I thought? Until XX/XX/XXXX when this all started as an investigation by a certified Company. 

XXXX and XX/XX/XXXX : Wells Fargo has Demanded an additional {$440.00} USD in the Bank when I Paid My Contract Amount. This represents 50 % increase of Fraud. In the past week I received another Threat : They did not Credit My Payment Cash at Bank, but notified me, They stated they would hold it until I Paid The Full Amount of which is {$830.00} Total including Escrow Amounts Due Per Month, but ; I have made several requests for a copy of My Escrow Payments and Monthly Amounts> In 18 Months I have Received NOTHING???? 

I am XXXX XXXX XXXX Retired XXXX. 

The ONLY Decision of this Fraud, Theft, Threats, DTPA, and Attempt to Steal My Property because I have {$80000.00} Cash Equity. Additionally there is approximately $ 8-10,000 Cash missing from my account that I am closing dues to ALL THIS CRIMINAL ACTIVITY?? 

I am XXXX yoa and ; can not afford for these Criminals to steal my property savings? 

I hope you can help me? 

Thank You XXXX XXXX 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 2018-11-19
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for refinancing with Loan Depot and after considerable discussions of numbers, agreed to accept their refinancing offer to consolidate my first and second mortgages. The loan was closed on XX/XX/2018. My Truth in Lending Statement listed all appropriate charges including a shortfall in my escrow account with my primary mortgage holder. I did not resend the loan within the three day window available to me. On XXXX the XXXX I received a phone call from XXXX XXXX with Loan Depot saying that their closing documents were incorrect and demanded an additional {$1900.00} from me. XXXX was threatening telling me that I need to beg, borrow or charge the amount he said was outstanding if I did not pay this amount of money he threatened to " UNWIND '' the transaction in its entirety. When I asked him what exactly " UNWIND '' meant, he said he would go talk with his supervisor. I waited for his return call and ended up having to call him again today XX/XX/18. He advised me that his supervisor said that they would begin unwinding the transaction. I have checked with my second mortgage holder and the loan has been paid in full. In addition there were credit cards and other debt that was paid off with the proceeds. My primary has not been paid, is now delinquent and incurring late charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX DBA Equifax and XXXX for {$530.00} form XXXX XXXX XXXX on XXXX XXXX2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: CarMax, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020, CarMax presented me with a fraudulent contract that infringed upon my rights as consumer. 

On or about XX/XX/2020, I sent a Debt Validation Letter and a Cease & Desist Letter by certified mail. 

On or about XX/XX/2020, I received from CarMax, a letter and a copy of my contract as an answer to my request. 

To resolve issues, on or about XX/XX/XXXX & XXXX, XXXX, I sent a notarized Affidavit of Truth outlining their violations, another Cease & Desist detailing my remedy, copies of my exhibits, and an invoice for my  violations, again by certified mail. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
Company: Experian Information Solutions Inc.
State: CA
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 fraudulent collections account that Experian refuses to remove from my report. I asked them to investigate on XX/XX/XXXX. They wrote back a few days later claiming that the account was " verified ''. However, they refuse to tell me how they " verified '' the information with the collection agency. I know for a fact that Experian DID NOT CONDUCT AN INVESTIGATION into this account because I contacted the collection agency directly and they told me Experian did not contact them to discuss the matter. In addition, that collection agency could not provide any legal documentation whatsoever that proves this account was mine. 


EXPERIAN IS LYING. They say they conduct investigations into fraudulent accounts but they do nothing.

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 2018-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested validation of XXXX mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new 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 explanation
Consumer complaint received 2018-06-17
Company: Sherloq Group, Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company keeps reopening accounts in my name. XXXXXXXX XXXX XXXX, XXXX, simply referred to as XXXX XXXX XXXX, is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ]  As of 2017, XXXX XXXX XXXX services more than 7 million cardholders across the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
My credit score will drop inexplicably with no ( published ) reason for the drop. Additionally when my score drops ( seemingly ) because of an increased credit card balance, it does not raise proportionately when the balance is paid off. 

When I call the reporting agency they are unwilling and/or unable to tell me specifically what caused my credit score to drop. Generally they seem unwilling. 

Recently my scored dropped from XXXX in XXXX to XXXX in XXXX with absolutely no change to my credit report or my accounts ( other than I was issued {$15000.00} in credit from 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 2021-08-06
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:
There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
Involves online purchase of tickets to a concert. Purchase made on XX/XX/XXXX for {$250.00} from ticketstoday, com for XXXX XXXX and XXXX XXXX for XX/XX/XXXX. On XX/XX/XXXX I checked the website and noted the concert had dropped XXXX XXXX. The ticketstoday website said it was no longer selling tickets and could not be reached - all ticket sales were now through the XXXX XXXX ticket office. Their ticket office declined to discuss a sale they did not make. 
I called the credit card issuer BBVA Compass Bank to open a dispute on XX/XX/XXXX but was told the bank 's policy was not to allow disputes later than 60 days after a transaction posts. I told them this violates Federal law since that law allows disputes for 60 days after a transaction appears on a statement which in this case was XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company made a payment to my account without my authorization. On XX/XX/16 a payment was posted on my account i didn't authorize for {$200.00}.

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 2017-11-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have this company reporting a debt which I do not owe, this is inaccurate and false information, I have disputed with nothing being received to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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:
There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 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 2021-07-09
Company: Conduent Incorporated
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
conduent removed XXXX and refuses to put the money back in

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is an entry on my XXXX credit report from IQ Data Systems. Upon investigation, I discovered that this collection account is for a remaining balance from a property management company ( XXXX ). I co-signed on a lease for my son 's apartment - when he moved out there was a balance due. I have paid this balance of {$1000.00} directly to XXXX. I have the receipt for this payment. 
This paid account should not have been sent to a collection agency ( IQ Data Systems ).
I have contacted IQ Data regarding this inaccuracy and I have received no help on this matter. They maintain that this is still an outstanding balance with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting that my XXXX account was charged off twice once in XXXX XXXX and then after going positive for over a year the macys account was once again charged off in XXXX XXXX. How can a account that is alledgedly charged off go positive again, and then once again charge off?. This info is inacurate and is causing my credit score to not improve. I have included supporting documentation to support my claime. My loan officer can not figur this out either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
They made my account inactive due to a dispute. I clearly made, well no alert no nothing just declined my XXXX out of no where. I call constantly was even asked to fax documents for over a week i sent them no word.. then I finally get thru on the call center they finally received my faxes after they even wanted me to send a format jpg thru a fax which made no sense my proof were all copied and faxed they finally approved it have verification its me and still no n time date stamp of when this may be fixed just a well we will get back to you or I can call. 

Why i have an available balance of just about XXXX .. if they can't reinstatement account clearly noone can communicate they hang up on you after waiting hours for an answer why not just send me a check of my final end balance my card should have never even been shut down let alone dealing with all this.

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 2021-07-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 I got direct deposit routing number from chat online from the bank. It was the wrong routing number. Corrected it XX/XX/2021 with the bank and payroll of my job by phone. I have been in contact with my payroll and the bank almost 2 and half weeks. Now receiving a new deposit. Yesterday {$500.00} hit my account I am due another deposit of {$500.00} as we have entered into a new pay period. This is a problem because this is must use system and it does not correct it self effectively. I am being told inconsistent things and the bank gain the interest on the funds delayed. I dont I am late paying my rent and bills. I have enough to figure out on my own. This system is a hinderance if I had gotten paid on Friday by paper check then I could distribute my own funds without a third party or routing number. Please help me get my funds so I can pay rent the full amount.

Company response to consumer: Closed with explanation