BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-05-02
Company: Experian Information Solutions Inc.
State: DC
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 reviewed a copy of my credit report and I show company XXXX  XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-01-26
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When asked how was the amount owed, {$37000.00} calculated, they said they spent too much time on my file and if I don't respond today they will move to legal. XX/XX/2021 They offered my {$7700.00} settlement but I am not sure if original amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX 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 explanation
Consumer complaint received 2023-02-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i have not been to the residence thats on file as my address for a while due to school and work but once i went back and i was able to log into my XXXX account i saw XXXX american express accounts that i had not opened and they spent a large amount in my name and this has effected my credit score terribly i dont know how i could move foward due to it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is in regards to the last bill from XXXX XXXX XXXX for internet service ending in XX/XX/XXXX. I ended the service and moved hundreds of miles away. I provided my new address. I even stopped by an XXXX XXXX XXXX store to close the account. I never received any notification of any balance due. 

In XX/XX/XXXX, my credit report was pulled to secure a pre-approval for mortgage and there was no notice of the debt. My credit was pulled in XX/XX/XXXX, and my credit report showed that XXXX XXXX XXXX send a balance due to a debt collector for {$140.00}. I never received any notice of this debt. This caused my credit score to drop two credit tiers and will drastically increase my mortgage rate. 

As soon as I saw my credit report, I called the company ( told them of my situation ), and paid the amount in full. I was encouraged to pay it in full instead of disputing it, because I was on a tight schedule for my mortgage and paying it would improve my credit scored. I called all the credit report agencies to ensure that the reports show that it was paid in full. My credit report was pulled again and there was no change in my credit report. I contacted the company and they didn't offer any assistance. They didn't say anything that could help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
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:
XXXXXXXX XXXX XXXX repossed my car even though i was in the military and protected under SCRA in XXXX. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA. 
The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all XXXX credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
XXXX. XXXX XXXX, XXXX, XXXX  also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.

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 2019-01-01
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the  right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Affirm was financing, at 0 % my XXXX tread. On XX/XX/XXXX the tread was picked up by XXXX according to their recall process. On XX/XX/XXXX affirm issued a partial refund back to my bank account where payments were debited from. When I did not receive a full refund I checked their FAQs and found that any payment made greater than 180 days ago would be issued by check. It did not quote a timeframe so I tried to find a phone number to contact them with my address change, and get an eta for the check. There was no phone number and when I tried to utilize their online portal, it just kept looping to canned responses about waiting for my refund. I had to comment via social media to get their attention. I was contacted via XXXX on instagram. I had several conversations there, and since I was provided a phone number, I also contacted them to change my address. Then again to inquire about the status of my refund when I did not receive it timely. I will attach screenshots of our conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!

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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted XXXX repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.

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 2020-07-23
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: Account status incorrect

Complaint:
I have been request couple of times to remove unverified accounts from closed my account of my credit report with EXPERIAN. Please consider these matters and the account information that needs to be deleted immediately upon your investigation as soon as possible. 
The List of Urgent Disputing Item is as follow ( in the order of listed on my credit file with Experian, XXXX XXXX, XXXX ) Please remove the following item as soon as possible entirely. 
XXXX XXXX -Account # XXXX Opened XX/XX/2018 With Credit Limit of {$40000.00} - This is not my closed account on my credit file.Please remove this information from my credit report that you maintain under my social security number and according to section 605B of the Fair Credit Report act, send the required notifications to all parties involved for this matter

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I contacted Transunion and asked them to update my credit file there are several accounts that are well over seven years old that should have dropped off. Transunion refused to remove the 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 2017-12-15
Company: Precise Financial Group, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Precise financial is reporting to the credit agency that my first date of deliquency is XXXX FCRA states date of removal starts on first deliquency if they are not original creditor how could this be if this was placed for collsction in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX, I opened Citi Priority savings and checking account online with a {$1000.00} deposit into the checking account number. A week later I received an email that my accounts were locked and closed. After several phone calls over the 6 months communicating with XXXX, XXXX, XXXX, and XXXX in New Account Fraud, each time I complied with the Citi requests to provide them with my IDs ( DL and passport ) and my mailbox rental receipt to prove my ownership of address on file, Citi refused to refund my money. Additionally, Citi admitted in writing that they violate Patriot Act by opening my account without a physical address. It is incumbent on CITI to know and enforce banking regulations CITI can not violate the law to take money but then hide behind the law to refuse to return it. Due to Covid-19, people are facing hardship. I need to access my money to pay bills. Having no faith in getting in any resolution from Citi for 7 months, I would like Citi to return my money. 
I also filed a complaint with the OCC on XX/XX/XXXX and on XX/XX/XXXX, received an OCC resolution letter that Citi will mail me the check to the address on record. However, after several emails and phone call starting from XX/XX/XXXX ( over 30+ days ), Citi has not responded to me except sending me generic emails informing me that this matter is being investigated. Each time Citi exceeds its own deadline of 15 days to resolution. I have no faith in Citi and I watnt to file a complaint with CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Information belongs to someone else

Complaint:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX Open/closed Closed Status Charge off Past due amount XXXX Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX Open/closed Closed Status Charge off Past due amount XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date ofinquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX Date of inquiry 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 2020-07-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint against Suntrust for denial of Loan Application : On XX/XX/2020, my husband and I was denied a home equity line of credit. The reason for the denial stated we did not have enough equity in our home. At the time my credit score was XXXX per the denial letter received from Suntrust and my husband 's score was in the very high 600 range. We have banked with Suntrust for over 15-20 years, our combined checking/saving balance at the time was over {$22000.00}. We maintain a monthly average balance between {$17000.00} - {$25000.00} between both accounts. 

As a real estate professional for 21 years. I was puzzled because of the denial, especially since the bank did not do an appraisal and when I called to request a reason for the denial the customer service representative was very vague and offered no answers based on what the denial letter said. 

As for the appraisal, if the bank had in fact did an appraisal for our home and the surrounding homes, Suntrust would have learned that our home value was far beyond the amount that my husband and I was looking to borrower. Surprisingly, I will admit Suntrust blatantly refused to approved our equity home loan, due to other conditions that did not involve our high credit scores, our on time payments history or our stable income. I believe without a doubt we were denied because of our race and the location of home.

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 2020-05-09
Company: ERC
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:
Enhanced recovery company will not validate debt. This is not my debt and it needs to be removed from my credit report all 3 credit reporting companys. I have try to get to the bottom of this and not getting help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: OneMain Finance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am still having a difficult time with one main financial. They are bleeding me dry with too high of the intrest on my vehicle and when I asked for hardship and to lower my intrest rate they refuse too. Also I have complained here before to CFPB about them calling my job and I sent them an email and they still call my job while I have asked them several times. I have proof from an email I sent to them and also the last time I filed the complaint on this site. Why cant this company do the right thing and stop ripping people off : I have read numerous complaints besides myself. I also noticed they increased my term for almost 6 years paying XXXX a month for 6 years thats giving them XXXX, XXXX on what was owed of XXXX. This is a total ripe off and our government needs to take action. I only owed at the time I came to them only XXXX and I took out and refi to XXXX and they are legally taken advantage of people badly. This needs to go public and if the cfpb doesnt want to help they need to go as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Truist can not properly process loan payments made to accounts formerly originated by Suntrust bank after merging the accounts when the acquisition of Suntrust was complete. Truist created XXXX loan numbers for a single HELOC after the conversion. I have made payments to the published address and account number per Truist 's monthly account statements. The balance of this loan is being tracked on the subordinate account number, but Truist can not apply payments properly. I have called every month for the past XXXX months to correct the billing statements. 

Each month a different Truist representative has given me different instructions on how to get their system to properly apply my payments. Each month payments are applied differently even if the check is identical to the previous month. Now, I am receiving letters stating my account is past due even though I have the cashed/cancelled checks proving the payments were made on time. Truist 's collection department is calling my home after business hours demending payment even though I expressly prohibited the bank from calling my home or cell phone after the sixth call attempting to fix the payment processing issue. The collection agents are not verifying my credentials and are demanding payment creating a concern of identity theft. The debt XXXX are from overseas locations, and they will not address my issue, refuse to acknowledge my cancelled checks, and state the payments have been voided by Truist. 

I have made my {$390.00} payment due on the twelve of every month per the terms of the loan agreement. Truist typically cashes the checks which clear my checking account on or before the XXXX of each month. I must call the customer service number on the statement to address the issue after it is received around the XXXX of each month. 

Truist is violating the FCRA by not properly providing accurate balance information on monthly statements, and refusing to address the issue causing the payments from being applied to my principal is its conversion from Suntrust 's loan accounting system to Truist 's. 

For the record, I have made every payment per the loan agreement.

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