BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Someone called me. Said his name is compliment officer XXXX XXXX. He taking legal action against me. He has a warrant to arrest and take me to jail. He called my place of employment told my the same information. They said I have an outstanding payday with XXXX XXXX date XX/XX/2015. Wanted me to pay them {$210.00}. They threaten me here is there phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXS Finance/Personal XX/XX/XXXX TransUnion

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 2018-12-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recently been denied for a loan modification on an appeal review. I originally applied for a loan modification and was denied due to insufficient income. My Sister then moved in with me and helped with {$1000.00} to cover the household expenses. With the changes in my financials, i then reapplied for a loan modification. I was later told that I was denied and am no longer able to reapply since i can only be reviewed once in a year. Now that I am able to afford my home with the help of my Sister, they will not consider reviewing it and I will lose my home. I have worked too hard for this to happen. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX and Transunion are willingly and purposefully lowering consumers scores and affecting personal credit files. They have been found guilty many times for this fraudulent behavior. This has to stop. I had perfect credit history for 5 years and they dropped my score by 200 points for no good reason. How is the public sector supposed to pay into the system or finance anything with this corrupt fraudulent activities going on?

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 2020-09-18
Company: American Enterprises International, Inc.
State: AR
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:
American Enterprises I begged the reps to come pick up the vacuum cleaner for months. They continued to try to sell it to me after I consistently told them I didnt want the product. Several months later they decided to come pick it up. They then charged me for it and reported it as a delinquency on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank 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 2018-03-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I contacted Wells Fargo for the purpose of trying to renew my current loan modification that would come due in XX/XX/XXXX of which Wells Fargo told be in XX/XX/XXXX I would be able to renew again in XX/XX/XXXX. I was assigned a representative from the Executive division named XXXX XXXX who assured me that Wells Fargo would give me a decision well before the XX/XX/XXXX maturity deadline so that I would have time to seek other options if needed to pay off my loan with Wells Fargo in time. Six days prior to the maturity date, Wells Fargo finally gave me a decision. They stated that since I already had a loan modification, I was not eligible for anymore. The only option they gave me was for a short sale through their department. They then transferred me to their refinance department to seek options there. I was told that the earliest closing date I could get would be inXX/XX/XXXX which is well beyond the maturity date of the original loan. Wells Fargo did not give me any time to have a different option available to me in order to pay them off as they said they would. Also, my coupon slip for my loan only shows a monthly payment owing for the XX/XX/XXXX, date and not the entire balance. My Wells Fargo online account also shows the same thing. When I attempted to make a payment at a branch, they would not accept payment from me even though the payment slip shows only a monthly payment owing. I have a statement from a loan officer at the branch stating that Wells Fargo did not accept payment. I have also attempted several times online to make a payment without success. Because of them not accepting my payment, my credit score has recently gone down XXXX points for 30 days late payment. I am currently in dispute with Wells Fargo about them not accepting payment from me, not giving me adequate time to set up financing after they reached a decision through their executive division, not giving me a written explanation as to why my current payoff amount is approximately {$18000.00} dollars more than the amount stated I would owe in the signed loan modification agreement dated 4 years ago, and reporting me 30 days late to the credit bureaus which have affected me greatly.

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 2020-05-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for and received an American Express XXXX XXXX XXXX ending in XXXX. I complied with terms of the promotional offer but was not awarded my welcome bonus. I confirmed twice during phone calls that I was eligible, but the bonus was not honored. On XX/XX/2021, I was told it was not honored because I have a credit card with XXXX. First, I did not authorize my information to be shared under Regulation SP. Second, I do not have the exact card with XXXX. Of course, I was told the exact opposite and relied upon that in both opening and using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: WA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent the credit bureaus a copy of my credit report and told them that they had accounts on my file that did not belong to me. I sent a copy of my credit report to them and circled the fraudulent accounts that do not belong to me. They only removed 3 of the fraudulent accounts and left the others on my credit file. I sent them an FTC Identity Theft Report # XXXX to all 3 credit bureaus. My social security number was in the credit bureaus data breach as well. They just do not seem to care if it was or not. I told the credit bureaus that these fraudulent accounts do not belong to me. Please have them to remove these fraudulent accounts from my credit file. This is causing me severe stress.

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 2019-05-25
Company: Experian Information Solutions Inc.
State: NM
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:
I disputed 3 accounts {$600.00}, {$260.00}, {$3000.00} on XX/XX/2019 asking for proper validation ( a contract with my signature on it ) if not removed but rather they send updates and verifies but never provide me with nothing no paperwork, no method of verification nothing and accounts still on my credit report hurting my score.

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 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
In XX/XX/2021, I applied for a Bank of America Secured Credit Card in the amount of {$1000.00}. My {$1000.00} was to be deducted from my checking account when approved. Bank of America denied me the Secured Credit card with no good reason. Bank of America is falsely advertising by offering a secured credits card to rebuild 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 2022-01-08
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I sent a letter disputing the erroneous account with the creditor CHOICE RECOVERY for the amount {$120.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: WELLS FARGO & COMPANY
State: SC
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:
Wells Fargo charged off a secured credit card for {$320.00} in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX. This was a secured credit card, meaning the money was given to them to extend credit. They are reporting as a charge off on my credit report which is incorrect. The monies allocated for the secured account would have went towards any balance owed on the 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 non-monetary relief
Consumer complaint received 2020-08-01
Company: FIDELITY CAPITAL HOLDINGS, INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection is not my own. I never got the bill for hospital. And the social is it not correct. The date is XX/XX/2015. Amount is {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1.XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.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 2022-01-08
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 I started a dispute with Equifax on some fraudulent accounts, which were XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Before the 30 days were up I received notice that were sent to my email the items were removed. On XX/XX/2018 I notice the 2 XXXX XXXXs were back on my file, therefore I contacted Equifax again not only Equifax but the Creditors also and provided documents of the police report once again its back in dispute with Equifax. On XX/XX/2018 I sent the same documents to the reporting creditor, On XX/XX/2018 A notice was sent to me advising me that the account is closed and to be deleted form my credit file. On XX/XX/2018 I contacted Equifax inquiring why the items are still being reported as a charge off when it should be deleted per Mr. XXXX XXXX I need to do another dispute on the charges the charges are correct, I tried explaining to him the letter that was mailed out to me and also it states that the company electronically sent a copy of the document he refused and said again I need to file another dispute. The other 2 credit agents removed the items, I don't understand this if the Creditors are letting the credit reporting agencies aware of this misunderstanding why is Equifax refusing to delete the trade lines. I'm also disputing inquiry on my Equifax report, I have an fraud alert on my credit file I don't understand how Equifax give authorization to creditors without identifying if its me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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:
I have been disputing the XXXX XXXX account since XX/XX/XXXX with no real proof of validation or debt from Experian. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX and XXXX have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. Experian seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but Experian would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks. 

Unauthorized inquiries : XXXX- XXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I mailed from XXXX XXXX Post office mailbox a check from my employer. I put it in a pre-printed envelope going to my bank, XXXX 's XXXX XXXX. A week later it had not been credited so I reached out to them. I started searching for the check and found out that on XX/XX/XXXX the Bank of America cashed the check that was clearly marked deposit only to my account number. The third party, XXXX XXXX XXXX, signed his name and crossed out my account number. I have been without the funds ever since. I filed a police report, a mail fraud report, and have reached out to Bank of America. My employer filed a claim through their bank, XXXX. That Claim XXXX  XXXX. There's been no word on the progression of the case. 
This has caused a significant hardship as I am a teacher and that money was to get me through the summer. I have fallen behind on financial obligations since the amount of the check was for {$6900.00}. 
Per Bank of America, their policy for cashing a third party check states that either the payee is present at the time of the cashing or the check was endorsed over with the words pay to the order of the third party. Neither of this was on the check. In addition, their site also says that fraud issues will be addressed within 45 days. We are well beyond that now. 
No one is willing to speak to me as I am not the account holder the check was written from rather I am the payee. 
Can you please help me to recover my funds?

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 2020-08-01
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/20 I received an email at XXXX EST from cash app stating my email and phone number have been unlinked from my account without my consent. I now am unable to access my {$5900.00} balance in my cash app business account. Cashtag is $ XXXX

Company response to consumer: Closed with explanation