BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: WELLS FARGO & COMPANY
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:
I made a $ XXXX principal payment on my mortgage in 2019. Wells Fargo has done creative accounting and failed to credit my account for the proper amount paid. Instead they continued to charge my interest on the high balance. I have complained several times and then they tried to fix the issues, but continues to do creative accounting. To date I still have not received money back for interest paid nor is my balance fixed. They claim the money was used to pay taxes or insurance, which the $ XXXX was only to go towards the principal amount. This is not the first time Wells Fargo has done creative accounting on my account. I keep paying and my balance is hardly ever lower in the past 15 years. Forensic accounting needs to be done on my account and Wells Fargo should have to pay a penalty for doing this! If I am not pursuing this, Wells Fargo would get away with this fraud!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
Date of incident Open XX/XX/XXXX close XX/XX/XXXX someone opened up the account fraudulently in my name I've been trying to get it rectified I filed a police report I contacted the company they took it off my XXXX XXXX and experience but not my XXXX I contacted the company and disputed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: NY
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 AM DISPUTING THIS ACCOUNT AND I AM REQUESTING IMMEDIATE REMOVAL OFF THE THREE REPORTING CREDIT BUREAUS. THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE SUBMITTED A RECEIPT TO SHOW PROOF OFF ALL THE PAYMENTS.

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 2020-09-07
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 information incorrect

Complaint:
I have repeatedly tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 611 ( a ) ( ( 7 ). The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a bill from XXXX XXXX for a credit card I did not open. 
2 purchases totaling {$960.00} 1XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX 's {$240.00} XXXX XX/XX/2021 XXXX, XXXX  XXXX XXXX {$720.00} Opened mail today Sunday XX/XX/2021 Tried to call XXXX XXXX credit customer service to dispute but the are not open on Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: I.C. System, Inc.
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2021-06-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Macys is on my credit report since XXXX reporting a charge off account. Macys reported a unpaid debt to IRS using form XXXX for XXXX or XXXX taxes. I tried to payoff the debt with Macys on last year due to Macys continuing to report the debt as unpaid each year which results in lowering my XXXX XXXX and XXXX  of credit with other merchants. They continue to keep reporting on my credit report and the date of removal went from dropping off in XXXX to XX/XX/XXXX and now XX/XX/XXXX. I called Macys to payoff off the amount but per Macys representative the debt was too old and passed statue of limitations. So they continue to allow the debt to remain on my credit and report as a charge off and continue to change the drop off date for removal. If XXXX form is used as The Form XXXX denotes debts that have been forgiven by creditors. It is also known as a cancellation of debt. According to the IRS, lenders must file this form for each debtor for whom they canceled {$600.00} or more of a debt owed to them, why continue to update the report as a charge off? In the past Macys stated they will sue me for this debt but when I finally had the money to payoff the debt, Macys would not accept the full payment because the debt was old. Since the debt is pass the statue of limitations and can not be listed as new debt, Macys should not or continue to update on my credit report! Macys is damaging my credit by how they are reporting to all 3 Credit Bureaus and also they wont allow for me to payoff this debt so this is damaging my 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 2018-02-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX : Wired {$4000.00} to Coinbase , Inc . 
XX/XX/XXXX-XX/XX/XXXX : Communication with XXXX XXXX. They confirmed wire transfer clearing. 
XX/XX/XXXX: Opened Ticket on Coinbase 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/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 2021-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery calls every Saturday and Sunday starting at XXXX. They also call during the day several times. This all started when they were removed from my credit file because it was an invalid debt. Never heard from this company until I had them removed. Now I get called several times a day starting at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Fidelity Rewards Visa is charging me for a check that they sent to a account that is not mine. The amount is for {$14000.00} this amount is XX/XX/18 was the date that the credit balance refund. The merchant has advised that this money was cashed but it didnt appear in any of my 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 2020-09-11
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday XX/XX/XXXX, I received an alert via my credit monitoring stating two new collection accounts were now reporting. The two companies reporting these unknown collection accounts are : ( 1 ) Southwest Credit System ( 2 ) XXXX XXXX XXXX I want to be VERY CLEAR, I received NO notice from either of these companies. I don't owe either nor have I ever had any accounts with these companies. By law, I am afforded the opportunity to receive a notice from a collections company PRIOR to placing any item on my credit report. I demand both ( 1 ) Southwest Credit System & ( 2 ) XXXX XXXX XXXX remove these accounts from my credit file IMMEDIATELY. 

No notice of a debt was received nor had the opportunity to demand debt validation. Remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This 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 2020-05-22
Company: CURO Intermediate Holdings
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Registered for a prepaid card online at XXXX approx 3 weeks ago, received direct deposit information from XXXX for new account including routing and account number then submitted this information to the IRS online to receive {$1200.00} stimulus payment as direct deposit to my XXXX account. Received prepaid card approx 10 days later, activated successfully online by calling number on the card. 
IRS app " Get my payment '' informed me the payment would be deposited on XX/XX/2020. On that day I called the customer support number on the back of my XXXX Visa Card entered 16 digit card number only to receive message " no valid account '' then was transferred to XXXX agent who informed me the deposit of {$1200.00} was made but she needed to transfer me to another agent for ID verification. I spoke with XXXX who advised she would be asking several questions to verify who I was.She had me verify previous address then asked if I was expecting deposit from government I said ; " Yes '' then suddenly she had technical issues and the system would not allow her to ask any further questions and I would have to mail photo copy of Drivers License and Utility Bill with current address on it. I asked if it could be emailed or faxed she provide that information which I submitted by email to XXXX 
The following morning I called to verify funds and same message. Spoke with Supervisor by phone who verified email with proof of ID was received. She then informed me that account was closed as I broke the terms and conditions and said go to website and look under Closure section. Would not provide any more details and said they would mail me a check within 4 to 10 weeks. I did nothing wrong and provided all documentation they asked for, this is my stimulus payment and I can't afford to wait 10 weeks to get the government intended help I have rent and bills I need to pay! Please advise, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  is reporting that an item from American Expre was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though American Express verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: TX
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 with Experian on XX/XX/2018 I gave them all the account information inorder for them to investigate and I get some automated email on XX/XX/XXXX saying that this will not be changed and there investagation is complete! Investagation done in less than 8 hours not posable and they did not offer any supporting info to prove an investation took place which it did not clearly! I also am unable to reach anyone by phone or email at all! I have submitted another dispute with the same info I provided the first time and I am sending it both online and by mail, this is clearly not ok they have our life in there hands which they already sold and caused tons of problems for me with Identity theift ( and they do nothing to help with that even though it was their fault ) How can they get away with these practices why have they not been shut down are they that much more powerful than any other can anyone step in? How many complaits have to be filed to effect a change or is that something that no one can touch they just do what they want holding us all to their mercy!

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 2020-07-07
Company: Lending Club Corp
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:
Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past ( LendingClub ). I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to LendingClub they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. LendingClub then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. XXXX has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with LendingClub or contact information for my attorneys and no information has provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card number ending with XXXX was lost and someone used the card they withdrew XXXX from account I let the company know about this I have open 2 disputes regarding this and no resolution is was denied The date was XX/XX/XXXX the  merchant says XXXX XXXX XXXX the amount was XXXX and XXXX Also there was others withdrawal on XX/XX/XXXX- XXXX, XX/XX/XXXX- XXXX, XX/XX/XXXX- XXXX now I contacted the merchant and they told me that they couldn't send out a card too my address and they still are denying the claim

Company response to consumer: Closed with explanation