BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My wife purchase two CD 's from wells fargo on XXXX. She died on XXXX of XXXX XXXX. She assured me and her daughter before her death that she never cashed the CDs. As executor of her estate I went to wells fargo, with the original CDs, and they said they have no records of anything. She must have cashed them. I know she never did. wells fargo responds " Since seven years have passed they are not legally responsible for the money anyway. '' After researching this issue, I see wells fargo has done this to Hundreds and hundreds of LIVING people with CD over seven years old. How is this Legal?

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 2023-05-09
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX  / XX/XX/2022

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 2018-12-09
Company: EQUIFAX, INC.
State: NV
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 filed an identity theft report with the FTC on XX/XX/2018. This is the report number : XXXX. Equifax is not removing the inquiries and accounts associated with this report of identity theft. I spoke with an agent from Equifax on XX/XX/2018. The agent said that he would remove the inquiries immediately and furnished the following confirmation number : XXXX. Upon calling for an update on XX/XX/2018, I discovered that the agent did not remove them as promised- despite me furnishing Equifax with the identity theft report, confirmation # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery calls multiple times per day sometimes leaving messages sometimes not. I have asked them to stop calling or send me bills that show what they are collecting for. I believe this is not legitimate debt and they have shown nothing to substantiate there claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Lady keeps calling me about 5 times a day and was saying they ( HSB XXXX are trying to collect on a old debt. She knew my social security number! I do not have any negative debt showing on my credit report! When I told her that the debt no longer exists, she hung up on me. Phone # is XXXX from XXXX XXXX, N.C. She said her name is XXXX XXXX I did tell her to mail me a letter if this call is actually legit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage refinance with the same credit union we have a loan through ( NFCU ) and this was at the beginning of XXXX, its currently XX/XX/21. In the beginning after we submitted our application along with the required documentation, they had my name wrong and my wifes birthday wrong. We have had our close date moved twice and were potentially going to have a third if they cant close on XX/XX/21. Weve had our application handed off to multiple loan processors due to leaving their roles. Weve had our credit ran three times, which as you know dings your scores. Weve paid for the appraisals and pest reports ahead of time. Our loan appraiser ( XXXX XXXX ) will not return phone calls or emails nor will her supervisor ( XXXX XXXX ) weve tried escalating this past XXXX but were told from the call center that were unable to escalate past XXXX even though he wont call us back or email back. Just a short time ago on the line with NFCU trying again to contact them both and get an update, we find out that XXXX is out of the office until XX/XX/21 which were supposed to close on XX/XX/21. No warm hand off, no follow up and here we are at their beckoning call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my mortgage. It took only 34 days to close on the purchase of my house with 2 banks as I have 2 mortgages. I worked with people at XXXX and Union Bank ( UB ) to refinance. After 5 months, still nothing. Expecting my first child, we had expenses to put on credit cards since UB wouldn't tell us how much cash to bring to close and when we would close. We were supposed to close in 30 days, then pay off the credit cards. Instead, because we had to keep the cash to close and it took them over 4 months to move, our credit score went down ( because they were too slow ). We have the cash to pay it off, all we need is to know what card to pay and rescore us. This is a very common thing to do and it takes only 2-5 days. Instead they refuse to do that for unknown reasons. They took too many applications and can't handle the workload. They are too slow and incompetent. After months, all I have is 1 ) lower credit score 2 ) money lost for the appraisal and 3 ) a disclosure from them with the wrong rate on it.

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 2023-02-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Wrong balance reported on my XXXX and experian credit reports negatively impacted my credit scores and ability to get a better interest rate on new credit. Statement attached

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 2021-02-25
Company: EQUIFAX, INC.
State: KY
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 initially contacted XXXX regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via XXXX XXXX was correct. I can clearly see that payment information is reporting inaccurately across all 3 bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Comenity Bank ( XXXX  ) has called me repeatedly sometimes twice per day even if I have talked to them. They told me to set up 3 payments by phone which I did. They said they would remove late charges for those 3 months and that I would be caught up. That was 3 months ago. They still call me constantly demanding payment saying I am behind even though 2 payments have been made and 1 more is scheduled to come out the end of the month. Late charges still being charged to me. Today someone called, same as yesterday. I told them the same thing. Payments are set up like you asking stop calling me. She kept trying to tall over me and she was rude. She finally said, " It's my turn to talk and you are going to listen ''. I have called them and explained the situation and told them they are harassing me. They have been asked to stop calling repeatedly and they still call. They have violated my rights by harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a senior trying to purchase my first home built my credit score up. Citi Bank gave me a Costco Citi Visa Card. On XX/XX/23 they obtained a copy of my XXXX XXXX XXXX and due to increase usage on some of my cards they lowered my limit from {$7100.00} to {$4000.00}. After my card usage was at {$3700.00} I never paid late and always paid 3 times the amounts plus on the amount due. This unauthorized action put my card at over 90 % usage and will damage my fico score by at least XXXX points. See attached documents!

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my credit report I have the following account reporting XXXX XXXX  Account # XXXX. I have no idea what this may be. I have reached out to XXXX XXXX to which they never responded with any documentation showing what this is and more details on this 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 2022-11-14
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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2018

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 2023-10-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: MARINER FINANCE, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I here by Opt-out of Marine Finance sharing my nonpublic private consumer financial information with any third party non affiliates. Continued reporting will be a violation of Regulation P of the Code of Federal Regulation.

This is a Notice Of My Intent To Sue for a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: LEXISNEXIS
State: MI
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:
I do not authorize Lexis Nexis to furnish any information of my social security and information. They are falsely providing details that is unauthorized and I wish them to freeze and no longer report inaccurate and false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Southwest Recovery Services, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Southwest Recovery Ser. for committing identity theft. I have never given Southwest Recovery Ser. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Southwest Recovery Ser. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Southwest Recovery Ser. continues its collection efforts, I will file for litigation for actual damages caused and Southwest Recovery Ser. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: National Credit Systems,Inc.
State: TX
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:
Hi I have debts on my credit report that are not mines and Im not able to get me and my kids a place to live lost my housing and everytime I file my irs taxes I have to wait on a special PIN number I contacted them they told me to reach out to you guys

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
If you review the attached records, I have been paying these credit purchases off before the cycle closed and am still being billed financial charges on purchases that I have paid off in full and before the ending cycle date or closing date.

I have attempted to discuss this with the customer service representatives and they seem not to be able to add the payments over the last three-month period and look at the purchases and see and understand that the payments have always been more than the purchases and they still charge me financial charges. If I have paid you {$2900.00} one month against a balance of {$3000.00} does not give you such rights to charge me for the entire purchases that I have paid off before the cycle closes or even if the cycle closes, I still should not be charged financial charges for the complete purchases made. 

The previous month, I paid you {$4000.00} against purchases made for that month totaling {$3000.00} and you still charged me financial charges combined the two together and you have been paid a total of {$6900.00} on purchases in the amount of {$6000.00} and you still charge me financial charges. When I have paid such account overage in the amount of {$980.00}. 

This just does not add up. 

I need a full review and refund of my interest charged back to my account or I will have to cease doing any kind of business like this. 

This is intentionally robbing the customer in hope that such is not noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
In XXXX of XXXX some accounts were opened in my name as a result of Identity Theft. 
I only found out in XXXX of XXXX when trying to open an account at my local credit union. 
I went to a XXXX XXXX XXXX branch where i spent an hour and a half on the phone with other representatives only to leave with no claim filed. I later found the claim phone number and got a claim opened on XX/XX/XXXX. I was told I would be sent an email to upload information so the claim can proceed. I have still yet to receive the email. I disputed the Information directly with XXXX XXXX XXXX  and the information was removed however, this information is still being reported to Chexsystem and needs to be removed since it is preventing me from banking anywhere other than a prepaid bank. I need this issue resolved. I have called them 3 times since and every time they tell me ill receive the email in 72 hours and of course i never do.

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