BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo Checking Account XXXX Routing XXXX I took action XX/XX/2020 Bank account closed due to my online account being hacked. 
It closed overdrawn but later gotten handled and sent me documents of my account closing out a positive balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: NC
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 CONTACTED EQUIFAX SEVERAL TIMES ( 7 ) TO HELP FIX THIS PROBLEM, BUT THE WHAT IT IS THEY JUST DONT CARE. I HAVE SEVERAL ACCOUNTS ON MY FILE WITH EQUIFAX THAT ARE FRAUD! I HAVE SENT OVER POILCE REPORTS AND MY ID SEVERAL TIMES AND WITHIN THREE DAYS OF THE DISPUTE IT SAYS COMPLETED. THEY FINALLY REMOVED AND BLOCKED A FRAUD ADDRESS BUT THE ADDRESS LINKED TO THAT ADDRESS ARE STILL ON MY FILE. HOW CRAZY IS THAT. I HAVE ACCOUNTS ON MY REPORT THAT ARE FRAUD AND THE PEOPLE WHO STOLE MY IDENTITY HAVE BEEN ALREADY BEEN TO TRIAL AND FOUND GUILTY AND SENT TO JAIL, XXXX XXXX LOAN OFFICER ( XXXX XXXX, XXXX WHICH IS THE BRANCH MANGER, AND THE OLD CEO IS ON THE RUN SOMEWHERE IN NJ. THEN XXXX XXXX BOUGHT A TRUCK UNDER MY NAME ONLINE WITH A BLANK CHECK PROGRAM THROUGH XXXX XXXX  AND IT WAS RECOVERED WHEN HE WAS ARRESTED AT XXXX XXXX XXXX, XXXX SC XXXX. ALL I WANT IS MY ACCOUNTS THAT ARENT MINE TO BE REMOVED AND BLOCKED FROM MY ACCOUNT. 1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I HAVE ATTACHED A POILCE REPORT TO THIS COMPLAINT WITH A COPY OF MY ID. XXXX PLEASE STOP BLOCKING MY PERSONAL ADDRESS OF XXXX XXXX XXXX XXXX, XXXX NC XXXX. IF NOT REMOVED I WILL SINK LEGAL ACTIONS AGAINST EQUIFAX. NOW I CANT EVEN GO ONLINE TO DISPUTE ANYTHING, EQUIFAX HAS ME BLOCKED FOR SOME REASON AND THEY KEEP SAYING WE ARE SENDING IT UP TO I.T. DEPARTMENT TO FIX YOUR PROBLEM AND IT NEVER HAPPENS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
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:
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, Transunion, and XXXX update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.

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 2020-11-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I maintain credit freezes with all 3 major credit agencies. I responded to a re-fi offer. That company exclusively uses Experian for credit checks. I told the re-fi people I would lift the freeze for them and we coordinated the number of days they would need. I went online to perform this, which I have performed numerous times before, since I have had freezes for at least 20 yrs. The process would not work and all I was given for recourse online was a phone number. I phoned the number numerous times trying different combinations of 'number selection ' in their decision matrix only to always end up at " send documentation via USPS , wait a while, and we'll lift the freeze ''. 
This is totally unsatisfactory since rates are changing daily. I emailed Experian about the problem a few times and they continually offered 'help ' by having me call the exact same number that 'dead ends ' at 'send us mail '. They provide no way for communicating to resolve this inability to control my frozen account. The account remains frozen and I still do not have the ability to lift the freeze. During the course of this, the agent selling the re-fi was himself able to get around the supposed security offered by Experian and lift the freeze himself. I believe this is a clear violation of the law. He did have my ssn and personal info from the application process, but he did NOT have my pin number, so I can not understand how this occurred. Experian refuses to provide a working phone # to resolve this problem and refuses to offer help/instructions to allow me to control my frozen account and offers no methodology to fix whatever computer issue may be at fault. This amounts to a denial of credit at the least.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ I have asked for these ridiculously overpriced overdraft fees to removed and the dates of the purchase were not posted properly, causing the overdraft fees. Wells Fargo denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: AES/PHEAA
State: GA
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:
My XXXX XXXX on my credit report shows from XX/XX/2016 to XX/XX/2016 as delinquent but my account was in forbearance with XXXX XXXX and it has not been update to reflect what XXXX XXXX has on their records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :

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 2018-12-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This lady called XXXX from XXXX XXXX has contacted me about a debt I have already paid. I asked for an address so I can send her a letter requesting for cease and desist of contact by their office. She then stated they have many locations and hung up on me. This lady has harassed me for over a month now. Just yesterday she contacted my mother and sister. This has gotten out of hand and very unprofessional. I have saved her messages and the number she has called from. My family members also saved her messages and number she has called from. As mentioned, I paid this debt and told here this. XXXX XXXX XXXX still continues to harass me and my family.

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 2019-05-29
Company: Normandy Corporation
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
applied for a construction loan with XXXX XXXX  XXXX in XXXX of 2019. On XX/XX/XXXX they sent me an offer that I agreed to. I them sent them over {$900.00} for application fee, and appraisal fee. The appraisal came back on XX/XX/XXXX and Normandy sent me a commitment package and asked me to pay another fee. In that package was a new draw schedule that didnt match the one I agreed to. original draw had an amount of {$40000.00} at closing, now that was reduced to {$13000.00}. this wont work and I would not have agreed and sent them any money. I told them this and they offered to raise my loan amount to give me a larger draw. Payments would then be higher then what i want to pay. All im asking for is my money back, not to mention they have put me behind over a month on finishing me home. I will send copies of both draw schedules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28
Company: EQUIFAX, 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:
On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX  XXXX XXXX And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are many mistakes appear in my report without my understanding.

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 2018-07-11
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally is saying that my XXXX payment was 30 days past due in XX/XX/XXXX. My payment was not past due. I made what they call an " extension '' to change my due date. The rep told me to pay {$990.00} on XX/XX/XXXX and that my account would be considered current and my next payment would be due on my requested due date, XX/XX/XXXX. Apparently due to some 'error correction '' on their part, my payment was not posted to their system until XX/XX/XXXX. I made the payment on the XXXX and it posted to my bank on the XXXX. They know this and it shows this on my payment history on their online portal, but they refuse to fix it saying that I have been late in the past. I am not asking them to change any payments that were actually 30 days late last year. I am asking them to correctly report that XX/XX/XXXX payment was not 30 days late, because it was 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 non-monetary relief
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :

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 2021-11-03
Company: CORELOGIC 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: Investigation took more than 30 days

Complaint:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not 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 2019-08-21
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been dealing with an ongoing issue with Discover card for two (2) years. I called customer service again today and spoke with XXXX  who advised that I had to contact the merchant to continue the process. I shared that I did not get the service nor amenities that were promised. The resort was extremely dirty and bug infested, my daughter suffered an awful XXXX XXXX and had to receive medical treatment. The resort did not have the number of resturants as advertised on their website. Discover has failed to properly investigate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used car on XX/XX/XXXX which is financed through Capital One. Capital One sent me a letter dated XX/XX/XXXX with an incorrect account number on it. I did not discover the account number error made by Capital One until I started receiving collection calls from them. I've been attempting since the XX/XX/XXXX to have the money I sent assigned to the correct account. I am still receiving collection calls and late fees are accumulating on my account. I have been reported, inaccurately, to at least one credit bureau as being late with my payments. 

I've called Capital One back after seven to ten business days to check on the progress of the payments being applied correctly, but they have not. The amount in question is about XXXX in payments and approximately XXXX in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced this mortgage on XX/XX/2020 and paid my property taxes through my new escrow due to LoanCare having not submitting payment yet. During the final stages of funding, LoanCare paid taxes on my property after my new escrow had already paid them in full. 

I was then notified by my county tax assessor-collector that my property tax payment was overfunded by {$4500.00} on XX/XX/2020 due to two full payments and has credited the second payment back.

I have been trying to contact LoanCare to determine how to retrieve this overpayment back, but have only received one reply after several inquiries and the reply was unrelated to this issue.

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 2020-12-02
Company: Shellpoint Partners, LLC
State: AZ
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:
Company continues to threaten me and this account has been reported inaccurately. This account has never been on credit report and my information was passed by company to company multiple times without my consent. I want this removed from all three credit bureaus immediately and for them to stop harassing me. I lost my job due to covid layoffs and have lost family members and this continues to add stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. my information has been used to open fraudulent accounts under my name. Discover financial being one of those accounts. I contacted both the company and the credit bureaus about this issue and they refused to close and remove the account from my credit report. They also continue to try and collect the debt accumulated from this account which i do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX. I have seen this collection account from portfolio recovery associates on my credit reports. This account is not mine and I need this to be resolved and removed asap. This collection account came from original creditor XXXX XXXXXXXX XXXXXXXX XXXX. None of these accounts were mine and these were fraud. I need this to be removed from my credit les as it is hurting my credit le when this account was never mine. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had my Wells Fargo dealer services account for over four years and have never been late on a payment. Around XX/XX/XXXX I left the country for a while ( job related ) and prior to leaving payed my monthly bill as well as set up an auto payment system with my account, seeing that I would have little access to the internet or phone. When I returned in XX/XX/XXXXI was immediately bombarded with calls from Wells Fargo dealer services stating that my account had entered a 90 Day derogatory status. I spoke to multiple people online letting them know that I had set up an auto payment system, and was basically told they had no record of me asking to do that and tough luck. I tried to hold out and contact someone to help prove that I had asked for this but my credit score became negatively effected as well as Wells Fargo having collection agents call my phone every half hour asking for me to pay the month that I missed while I was gone. I would like to know that if there is no record of me setting up an auto payment system, how did the other months that I was gone get paid out, but one was missing. In the end I ended up paying near {$500.00} dollars ( as opposed to the {$210.00} I usually pay ) and my credit score took a massive hit in order to get the account back active.

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 2021-02-22
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On 5 different occasions during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX American Express has allowed an unauthorized person to change the address on my account to an address beginning with XXXX XXXX XXXX . For reference, the rest of the address has been redacted on my online profile with American Express so I can not see a city, state, nor zip code. Not only has this been done without my consent but correspondence, including sensitive account information, has been sent to this address according to emails received from American Express. For the record, this address is not mine, has never been mine, nor do I know anyone at this address. I've attempted to work with American Express on securing my account and have spent countless hours doing so to no avail. I've suffered damages from this breach of privacy and plan on pursuing legal action against American Express.

Company response to consumer: Closed with explanation