BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was a customer at Wells Fargo bank from XXXX. My information and my account was used witout my permission or authorization. This ruined my credit score for credit card that I did not authorize as well as fees being put on me without my knowledge. I made my complaint to Wells Fargo and other issues with my information and identity theft because of my information and data including my social security number and other information. Mycredit score has been damaged and I still have not got my credit score fix and I am unable to get my credit back to a plus. I am askig for help in how I can get my score fixed. I made my complaint to all three bureaus.My identity is ruined from my information being compromise with banks and I was also scam and ask help from these two banks and XXXX dud nothing to help me as a customer gor my losses as well as my information being use to open credit cards without my permission or even knowing that this was going on. When I ask for help from banks I was treated unfairly and discriminated 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 non-monetary relief
Consumer complaint received 2021-06-10
Company: AR Resources, 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:
( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$880.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2019-01-10
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
this was my frist credit card ever. I got it in XXXX XXXX it had a XXXX dollar limit. i used it for a couple months and paid on time, then when i switched banks i had trouble setting up payments. It went late and then eventually they closed it. it was never a problem of money or not being responsible, i just didnt understand how to do it. 

they closed the account in XX/XX/XXXX sometime. Its the only thing on my credit report and its giving me a hard time to get started building my credit for real. I want to build it and have good credit. Im XXXX married and have a XXXX. 

I need this one negative off my report so that i can get this going.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on 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 2018-08-31
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In XX/XX/2018, I called Sears for repair on the windows that I had purchased with a lifetime warranty. A technician came out to assess the repair needed o the windows, at that time I paid {$100.00} for their first house call and then later in XX/XX/2018 they e-mailed me to pay an additional {$150.00} to order the repair parts for the windows. In XX/XX/2018, a technician came out again, he didn't have the part to fix the windows and that he would be back, now the end of XX/XX/2018 and he has not returned. I have called several times to include today XX/XX/2018. I was not hold and then transferred to another customer service clerk, which never answered. I can not open my window since XX/XX/2018. Can someone please contact me to get this issue resolved? I m an XXXX yr old woman and {$250.00} with no repair or 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 2020-07-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
We received a debit card in the name of someone not in our household, but using our address. We have also received a change of address from the USPS regarding this unknown individual. I want this card closed and this person 's name removed from our address immediately.

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 2017-02-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Balance transfer

Complaint:
My Chase Card says that it has a balance transfer option. But I 've never been able to transfer a balance and in the XXXX to four years I 've had this card I have not been offered a balance transfer deal. I 'm not getting the full service of this card without the option to transfer a balance. I want to be able to do this, Chase needs to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-02-10
Company: GreenSky, LLC
State: CT
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:
I needed my bathroom fixed up so i asked for an estimate from XXXX XXXX XXXX XXXX XXXX and they came to my home gave me an estimate and i agreed to it. The person i dealt with was XXXX XXXX he told me they needed adeposit to hold the great discounted deal they were giving me. I gave him a deposit to hold my deal with the agknowlagement that i did not want the loan to go through until my mortgage refinance that i was trying to get at the time, went through. XXXX agreed he would not put the loan through until I got my mortgage Refinance. that was on XX/XX/2020. I kept having to delay the bathroom install because my refi was taking a long time. Fianlly I cancelled the check i gave XXXX because the refi process was takeing too long and i didnt know when I could get my bathroom done. When i called to cancel the job because of these circumstances they sent another gentleman, XXXX XXXX to my home on XX/XX/2020 because they insisted that they would wait as long as it took to keep my buisness. When XXXX XXXX came here i again gave him a deposit to keep my discounted bathroom deal and again insisted that the loan can not be put through intil my mortgage refinance was completed and XXXX XXXX agreed. The paperwork I signed was to hold my discounted deal and to see if I qaulified for the loan for the bathroom while i waited for my mortgage refi to go through. I was lead to believe this by XXXX XXXX. I now have a XXXX $ line of credit taken out by XXXX XXXX XXXXXX/XX/XXXX in my name for the cost of the bathroom. I did not even get my mortgage Refinance yet and now I have a XXXX $ loan on my credit report ; which has caused my credit to plumett and its making it even more difficult to get my home refinanced. I am currently in a adjustable rate mortgage and its going up.This underhanded manuver could cause me to lose my home. Please can anyone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing this letter in hope of recovering a missing mortgage payment in the amount of {$3400.00} returned to my Bank of America checking account by the XXXX XXXX Mortgage. 
XXXX XXXX Mortgage, my mortgage holder claims, my XX/XX/2021 a mortgage payment was returned to Bank of America on XX/XX/2021 as Revoked. When contacted Bank of America to retrieve the funds, they have denied ever receiving a retuned mortgage payment from XXXX XXXX. 
XXXX XXXX have closed their investigation, and the Bank of America have refused to open a new investigation to locate the missing funds. 
Currently one month behind my mortgage payments to XXXX XXXX, and as a result having a hard time paying the mortgage on time.

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 monetary relief
Consumer complaint received 2018-08-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX 's is not allocating payments as requested and instead is applying them so they can collect interest. A payment of {$120.00} was made in XX/XX/XXXX and two phone requests were made to apply to promo balance, they didn't. My daughter wrote to the XXXX and they still didn't help. They just keep saying " that's the rules '' but I was told that payments can be allocated as requested if I call. I called twice. 

For XX/XX/XXXX, I made my daughter pay all of the balance because I am tired of calling XXXX XXXX. I thought if I pay the balance the rest has to pay the promo. Instead they charged interest. Interest on what? The balance is paid! This is not the first time this problem happens. I complained about this same problem to XXXX and CFPB in XX/XX/XXXX. XXXX 's continues to be horrible. This is why I don't shop there anymore and hopefully my daughter will stop too.

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 2018-04-14
Company: Experian Information Solutions Inc.
State: OK
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:
account refers to XXXX XXXX XXXX. also known as XXXX XXXX XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau XXXX  to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect is XX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore XXXX has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contracted Tran-union customer service center about errors on my credit report about unknown hard inquires i never seen before.They refused to help with the issue so im forced to file a complaint. Im a victim of there previous " inquire issue '' i would like these unknown hard inquires deleted report as soon as possible because its effecting my credit. 

List of hard inquires : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of identity theft. I became aware of the identity theft over 3 years ago when I was in the process of purchasing a new home. I discovered my personal information had been used illegally to purchase things in my name. I have made a police report for identity theft. I have frozen all of my accounts with XXXX, XXXX, and XXXX. I have also added a statement to all 3 reports that I am the victim of identity theft. I have added a credit alert as well. I received an alert today from all 3 bureaus that my credit reports were flagged for collection for an account I never opened. I received a letter in the mail from a company named " Caine & Weiner '' for the amount of {$110.00} dollars with the original debtor being " XXXX ''. I reached out to Caine & Weiner and explained to the company that I was the victim of identity theft and that this was a fraudulent account. This call took place 2 months ago. And today I am shocked to see that this company still went along with adding a fraudulent account onto my reports. I called Caine & Weiner back this morning, to let them know again that this was a fraudulent account and I was going to make a report against their company because I have already communicated with this company in regards to this issue. I have already disputed this account with all 3 bureaus XXXX, XXXX, and XXXX. I have never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number has called me a total of 16 times ranging from XX/XX/2018 to today ( XX/XX/2018 ) and will not stop. I only picked up once to confirm it wasn't someone I knew and I haven't picked up since. They claim I am someone I am not and that I owe them $ 200+ dollars. None of this is true. I attempted to block their number but I still received notifications saying " blocked call '' and it fills up my call log. I tried to fix the issue with the " company '' but they never accept calls. It also seems that they call around the same time everyday, twice, but I can not accept those calls as I am in school. Looking at my call log, I am realizing that they call at the exact same time every day at XXXX, XXXX, or XXXX XXXX. Please help me in stopping these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I contacted Enhanced Recovery Company ( ERC ) in regards to an account listed on my credit reports. I requested validation for this account in which they responded with the attached documents. The document was a bill for which I have no knowledge of that was dated for XX/XX/XXXX. As you know, the statute of limitations in the state of South Carolina is 3 years and the debt can remain on the consumer 's report up to 7 years. It has now been almost 11 years and this debt is still showing up on my account with a balance of {$38.00}. I request that this collection account be removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The name XXXX XXXX was added to my Equifax credit report, I can only submit a dispute online which will not be accepted because the security questions now have nothing to do with me so i can not answer them accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DITECH is committing mortgage fraud. DITECH is printing two invoices, from my account, in a single 30 day period with erroneous data. One invoice shows my payment on time and the second one does not. They use the second invoice to show the credit bureaus I did not make a payment, when in fact I have made the payment on time and in whole. DITECH is causing me harm and others like me. I want DITECH to provide to the CFPB what month I was late with invoices and bank statements, and I will show the bank statement and DITECH invoice that shows every single payment on time for the past 12+ years. Due to the fact, I have never missed a payment nor have I never not sent the whole amount as per the mortgage contract. DITECH is attempting to seize my property which has a large amount of equity and remove me from my home of 12+ years. DITECH 's reputation proceeds them as a crooked and fraudulent mortgage company. They are no better then countrywide, green tree and other crooked mortgage providers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief