BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive any written notification about the debt and it is reporting in my credit reports : XXXX, XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions 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:
For the past year i have been contacting XXXX about XXXX accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. XXXX File Number 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 2018-03-25
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 is not yours

Complaint:
Have disputed this before. company repsonded to CFPB that they will cease adn desist. and it has popped up on my credit report on XX/XX/2018 again!! I am goign to pursue this further

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: OH
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:
Have sent letters to the three credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Navient Solutions, LLC.
State: PA
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/XXXX I XXXX XXXX spoke wit XXXX and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: TN
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:
X/X/2017-XX/XX/17 Multiple unauthorized inquires on credit file that I did not authorize. Credit bureaus keeps telling me to call the creditors but I have no accounts with the inquiries showing on my credit report that I have reported as fraud t.The only permissible purpose for pulling someone 's credit report is 1. firm offer of credit. 2 insurance 3. employment 4. court order. None of 4 do not apply to me. I have attempted to contact each credit inquiry on my credit report and my information is not in the their records.

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 2023-01-23
Company: EQUIFAX, INC.
State: GA
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:
Im a victim of identity theft. I notified Equifax of this unauthorized account that was opened fraudulent. Ive provided Equifax with police report in XXXX XXXX also XXXX an affidavit in XXXX. Ive filed several disputes. Equifax continues to report fraudulent information on my credit report. The name of this fraudulent account is XXXX XXXX XXXX ( a debt purchaser ) with the amount of {$18000.00}. This company purchased this fraudulent debt from XXXX XXXX XXXX XXXX. This fraudulent account is on my credit report under collections. Ive suffered for 5yrs unable to buy a home or get other credits because of this fraudulent account & other fraudulent accounts Ive disputed. Im XX/XX/XXXX, I was impacted by the Equifax data breach. My identity was stolen and I was not reimbursed for time loss & money spent from the approved settlement. I suffered 5 years ( XXXX hrs ) from this impact. Because of time spent to get items removed, being denied credit, spending more out of pocket costs because of poor credit due to fraudulent accounts opened after data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, my information has been compromise in XXXX data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
constantly being charged for overdraft and for monthly XXXX $ service fee when I use my card constantly. It gets me the the point I want to cancel my Wells Fargo account with how many times they have done 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 explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I need some money in my equity to Fixed my credit, I'm a retired man.

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 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Transunion just hasn't been responding to any of the dispute letters in the time frame there supposed to get back to me. Actually I'm not receiving any responses from the at all.

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 2019-04-02
Company: EQUIFAX, INC.
State: GA
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, my information has been compromise in equifax data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Armcon Corp
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: Account status incorrect

Complaint:
Coachella Valley Collection Service, account NO. XXXX is wrongfully portrayed on my XXXX and XXXX reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I ordered the monthly monitoring from Equifax. This service includes daily updates and credit reports. I went to upload a new report since the last one was weeks ago and I am checking on an unverified item. The report would not load and I received this : We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. 

We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : IC_PE_FL I called and was on the phone of over 90 minutes. They were unsure of how to fix this issue. They said they would send it to the escalation department and I would be notified via email in 7-10 days. Well, the time has passed. No notificaiton. I also tried to upload the report via XXXX and XXXX NO EQUIFAX REPORT! I am paying for this service and can not obtain a product. I can not spend 90 minutes on the phone with someone who does not know what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02
Company: Woodward Capital LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX. My Social is XXXX. My Account number with this company is XXXX. My mailing address is XXXX XXXX XXXX, XXXX, MD XXXX.I am reporting this company because on several occasions I have asked Woodward Capital LLC to provide with the credit bureaus my information on my car loan. I have made my on time payments and even some payments made ahead of time. I purchased the vehicle XX/XX/XXXX. I made my first month payment on XX/XX/XXXX for XXXX XXXX I then made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and half of XX/XX/XXXX. Next, I made an additional payment on XXXX XXXX to cover months XX/XX/XXXX - XX/XX/XXXX. I have called to my creditor twice regarding this issue and I was informed that they will report in a couple of months yet and still nothing has been reported. I would like an investigation to be done in regards to this company and I would either like to report to the credit bureau immediately or I would like to be let out of my contract with this car with full reimbursement due to negligence on the company behalf. I am very displeased by this company because I am worried my money is not being handle as it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CITIBANK, N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citi sold the rights to my mortgage to a third party. To make payments with the new third party I needed Citi to provide me with my new loan number. Citi refused to provide any assistance.

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 2019-04-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank closed my account because they had closed an account in my name due to a bankruptcy back in 2012. After I went to cash a check for XXXX issued from a Chase bank account, they told me that their limit was only XXXX that I could open an account or take the check to another bank institution. There was also an {$8.00} banking fee. One morning I checked my online balance and the account was blocked, therefore I called and they told me that they would issue a cashier 's check after ten business days of the account closure. They have my money and that is wrong!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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: Account information incorrect

Complaint:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) .I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. Account is listed as collection / charge-off. It's showing a balance of {$1400.00}, per the FCRA this is a violation, balance should be 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 2019-04-02
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Navient is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 
10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX veterans XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX, account NO. XXXX is wrongfully portrayed on my XXXX and Equifax reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting twice on my credit report and I do not have a contract with this company. They 2 separate dates listed on my credit report. One is XXXX XXXX and XXXX XXXX. I do not owe this company money as I do not have a contract with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On the morning of XX/XX/2021, I was at XXXX in XXXX with my mother. We purchased a chair and during the process of putting it in the car, I lost my Chase Sapphire credit card. My mother and I share this account and we are the only authorized users. I only noticed when we were at the next store, XXXX, trying to make a purchase that my card was missing. We searched the car and didn't find it. We went back to XXXX and asked anyone if they had turned in the card and no one had. I checked the Chase app and noticed three unauthorized charges on the account : one in the amount of {$100.00} from a XXXX transaction at XXXX, {$16.00} at XXXX XXXX and {$650.00} at XXXX XXXX XXXX XXXX XXXX all in XXXX XXXX At this time, my mother and I were together in XXXX and could not have made these purchases in XXXX. I notified Chase that my card was lost/stolen and they immediately canceled it and assured me that we would not be responsible for the unauthorized charges. 

On XX/XX/2021, I received a letter from Chase stating that they found there was no fraud committed for the XXXX and XXXXXXXX XXXX XXXX XXXX XXXX transactions and that I would be financially responsible. I immediately called them to appeal their decision. They told me that since both transactions were in-person and not on the internet, they automatically determined that it was an authorized charge. They reopened the case and sent me another letter on XX/XX/2021 stating that their decision hadn't changed. 

After searching forums to seek advice and what we can do at this point, I filed a police report with XXXX on XX/XX/2021 and the case number is XXXX with Officer XXXX who advised to file a police report with XXXX XXXX Police Department XXXX We couldn't figure out what XXXX XXXX XXXX XXXX was and all our XXXX searches led us to XXXX & XXXX XXXX at XXXX XXXX. He contacted them and XXXX XXXX XXXX XXXX stated it wasn't them. From previous experience, I knew that " XXXX* '' meant that the transactions was a XXXX point of sale. XXXX sent me to a receipt lookup ( hXXXX XXXX XXXX ). I still had the credit card info from the canceled card and I entered in the required details into the web form and it found the transaction which I've also attached. The transaction occurred at XXXX XXXX XXXX XXXX, which is a county address. XXXX XXXX XXXX XXXX is listed as an artwork category according to the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
hello My name is XXXX XXXX ive reached out to wells fargo credit card several times and they claim they are going to fix the problem with my late payment from from XXXX to XXXX of 2020 since i was in the hospital with XXXX  and i was unemployed and fighting for my life before i got sick i was always on time with my payment im reaching out to you guys since wells fargo credit card is not taking action hopefully i can get this case resolved since ive paid the whole bill and then they closed my account after thank you. my email 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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update 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 2019-04-02
Company: Io, Inc.
State: PA
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:
I have indicated to the credit bureau as well as the creditor the medical bill had been paid to the original creditor and it is still showing as an unpaid bill. A payment was made through an XXXX account for the XXXX XXXX provided to the original debtor not a collection agency. I have not received correspondence or a bill from a collection agency

Company response to consumer: Closed with explanation