BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-03-19
Company: EQUIFAX, INC.
State: VA
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 has the count as 120 days late on Equifax, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX the payment status shows paid but on Equifax it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used XXXX to help me settle some credit card debt. I have a contract with Wells Fargo that stated they agreed to except {$3600.00} in payments which I have and canceled checks by Wells Fargo to show this was paid in full. Their lawyer has now filed a suit against me for the outstanding amount which was an amount that Wells Fargo agreed to write off. I have all the canceled checks as well as a copy of the contract by Wells Fargo showing this was paid in full. I have placed multiple phone calls to The lawyer of Wells Fargo and he refuses to call me back.

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 2021-08-19
Company: EQUIFAX, 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 recently sent a dispute letter to Equifax, and on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from this Equifax. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, 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 have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$280.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid off and it is past the statue of limitations and this was already deleted so please get the to removed this account again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXXDOB XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OHXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had the worst experience ever w/ XXXX XXXX. I was mistreated so badly that I resorted to contacting you. 2nd call hung up on by a mgr.. 4th call, supervisor just didn't talk for 20 minutes and waited for me to hang up. I will contact every mgr & bureau bc I was I was denied my banking rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: BANK OF THE WEST
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of the West put my account on hold XX/XX/21 as I did an online transfer to my daughter through the XXXX XXXX. They are saying on the phone that they can't verify who I am after I answered their questions. I'm blocked from online banking with 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 2020-06-24
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
I have contacted Wells Fargo directly and provided them with documentation. I was divorced in XX/XX/XXXX and according to our divorce agreement I was to be removed from all my ex-wife 's liabilities. In XX/XX/XXXX, she was 90 days late on a payment at which time Wells Fargo contacted me. I spoke with them that we were divorced and provided them copies of the court order. I was told that the late payment would be removed from my credit report. My ex-wife paid that past due amount and a few months later paid off the remaining balance and closed the account. When checking my credit report I noticed that the 90-day late balance is still on my credit report. I have filed a dispute through a credit reporting agency and Wells Fargo has said that the information I provided is accurate but they disagree with removing it from my credit. This goes directly against my court order and against what I was told by a representative of Wells Fargo when I contacted them in early 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 2022-08-10
Company: EQUIFAX, INC.
State: NV
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:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: WELLS FARGO & COMPANY
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Ive recently discovered 2 Cashier Checks dated XXXX  purchased from XXXX XXXX XXXX which is now WELLS FARGO BANK. 
After purchase, I travelled overseas on assignment, as I travelled extensively as a XXXX XXXX. 
Once I established this fact, I tried cashing said Cashier Checks and was told they were too old and must call the State Treasurer or call Customer Service. 
Customer Service, XXXX, in Idaho, assured me there was no problem because said checks were OFFICIAL CHECKS and had NO EXPIRATION date and directed me to go to WELLS FARGOs main Branch on XXXX XXXX XXXX. Washington, DC, and attempted to secure an appointment for me with the Branch Manager to make it easier and faster, but XXXX XXXX was unable to set that up due to some Electronics problem. 
I went ahead to that Branch, only to be denied cashing said Checks due to their age as too old. 
I called WELLS FARGO Customer Service again, and again they were dumbfounded as to why their Branch/Branches were not honoring such checks. 
Then I was given a phone Number to call in order to be reissued a REPLACEMENT CASHIER CHECKS, but the Phone Number provided by WELLS FARGO reached XXXX XXXX? 

Thus, I file this complaint in the hope of recovering my money.

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 2019-03-19
Company: JPMORGAN CHASE & CO.
State: MS
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:
Called company to have removed from report/ XX/XX/2017, XX/XX/2017 XX/XX/2017, XX/XX/2017. 
Also have two or three addresses on my report that I never lived at as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
After reviewing Virginia Law in regards to these predatory loans I contacted XXXX XXXX and uploaded documents asking them why they are continuing to take these payments from my checking account since this loans exceeds the 12 % interest maximum in Virginia and that I had already paid the principal of the loan and well over 12 % interest. The organization does not operate in Virginia that I can find. The individual stated she was a manager and stopped the auto pay however, she stated I would still be responsible for the money owed. If I continued to pay this loan I would have paid over $ XXXX in interest on a {$5200.00} loan. She also stated that they would report to the credit bureaus if such payments were missed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
These a second complaint trying to resolve this matter, in previous communication your company had stated that was going to remove this account ending in XXXX from the three credit bureaus. however XXXX still showing this account this is inaccurate reporting, please have them remove such account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Acceptance Rentals, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
Company : LexisNexis ; Consumer Number : XXXX. A dispute letter dated XX/XX/XXXX ( attached ) was mailed to LexisNexis and received by LexisNexis on XX/XX/XXXX ( see attached certified mail receipt. ) This dispute included 9 errors which were listed in my LexisNexis consumer report. LexisNexis was unable to complete the investigation or reinvestigation within 30 days of receiving my dispute as required by section 611 of the Fair credit Reporting Act ( FCRA. ) Therefore, all items I disputed in my letter dated XX/XX/XXXX should be deleted immediately as stated in the FCRA section 611 because the items disputed could not be verified causing the investigation to be incomplete. On XX/XX/XXXX I received a response letter from LexisNexis dated XX/XX/XXXX ( attached. ) In their response letter, LexisNexis stated they " did not receive a response from XXXX, XXXX or XXXX or that the dispute submission may have been lost. '' I disputed directly with LexisNexis, not XXXX, XXXX or XXXX  so that excuse is irrelevant. If LexisNexis needed more time to conduct the investigation or reinvestigation, they should have contacted me and requested additional time and they failed to do so. Since the 30 day investigation or reinvestigation was to conclude on XX/XX/XXXX, LexisNexis should have provided me with results. As of today, XX/XX/XXXX, I still have not received reinvestigation results for this dispute and I have not received an updated copy of my LexisNexis Consumer file. Finally, on XX/XX/XXXX I received a response letter from XXXX dated XX/XX/XXXX ( attached. ) In their response letter, XXXX states that LexisNexis agreed the error was made by LexisNexis and that LexisNexis has removed the item from my consumer file. LexisNexis has failed to communicate this error to me as required by FCRA section 611. As you can see by my written complaint and the attached letters, LexisNexis is in clear violation of my consumer rights, the FCRA and should be fined and held accountable for failing to conduct a timely investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
My first initial contact was inXX/XX/XXXX, I have been disputing inaccurate information on my credit file for months now. I am also a victim of identity theft and have taken all of the necessary steps to insure that this will not happen again to me. I disputed the two chapter XXXX  bankruptcies on my credit file that states dismissed which has never happen. Experian has notified me that they have verified these accounts and they will remain on my credit report. XX/XX/XXXXI then sent Experian a letter of verification, asking how did they verify, whom did they speak with, on what date and ETC ... Experian failed to provide me with the proper response and documentation that I was asking for. Instead they stated that it will remain and once again it has been verified. I went to the US bankruptcy court and got documentation showing that these bankruptcy was dismissed and documents showing that they have not verified this account with no one. Yet, Experian refuses to take these account off of my credit file. XXXX and XXXX has removed this incorrect information why is it such a hassle with Experian. This has caused a major confusion In my life, Its holding me back from a higher position held within my job institution.

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 2021-04-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX, Synchrony Bank Credit Card closed the following credit cards with XXXX balances. The cards were the " Discount Tire '', " Conns '' and " XXXX XXXX ''. To my knowledge, none of the cards were ever delinquent. I received notice that the accounts were being closed based on information obtained from XXXX. According to the notice, the accounts were being closed because either high balance to credit limit, or delinquent status, or to many revolving accounts with high balances. 

The company made no attempt to contact me to gain an understanding of my financial situation. 

I find the Synchrony 's actions to borderline on XXXX and immoral, I base the statement on the fact we are coming-off a pandemic year and instead of working with an XXXX to address the need or to understand the needs, the CEO choose to close the accounts in a segment of the population that probably needs 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 2021-08-19
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company continues to harass us that our mortgage payment is past due. They also responded to a previous complaint on XX/XX/21 that our issue has been resolved, but it has not! ( see attached ). We have been dealing with their extremely poor customer service departments/escalation departments/management, and extremely poor follow-up for over 2 months now- and the issues still exist! They have never called us back like they stated they would and they continue to provide erroneous information to the credit reporting agencies and the organizations investigating these issues.

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 2021-08-19
Company: STERLING JEWELERS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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 XX/XX/2021 a charge was put thru on my XXXX XXXX credit card, for like over XXXX. I didnt know about it until I started getting notices from XXXX XXXX that my orders are on their way. I immediately called the credit card company and said please stop all orders I never placed the orders. The representative said they cant stop it. I tried to call ups and usps and whoever was going to deliver the order to tell them to return it it was not authorized by me. XXXX XXXX has the records of me calling so many times. Well XXXX XXXX couldnt stop the order and ups said I have no right to stop it I am not the sender and XXXX XXXX Would have to do it and when I called XXXX XXXX they refused because they said they cant. Well I never got the orders we dont know how they were picked up since I had no control over it. I couls not get anyone to help me. Now I reported fraud on my card for the full balance and now they are holding me responsible and the card company sent me a bill that is due and a new card but how should I pay for something I never charged that is not fair. I had my wallet stolen from a church fundraiser at the end of XXXX and thats when the charges were done. Please help me resolve this it was not my fault. XXXX XXXX is holding me responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation