BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Between XX/XX/XXXX-XX/XX/XXXXof this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit 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 2019-03-09
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:
Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX {$530.00} 3 ) XXXX XXXX {$490.00} 4 ) XXXX   XXXX {$370.00} 5 ) XXXX  XXXX  {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 ) XXXX 's And XXXX {$220.00} 8 ) 11 XXXX XXXX {$200.00} 9  ) 11 XXXX XXXX   {$530.00} 10 ) 08 XXXX  XXXX XXXX {$370.00} 11 ) 08 XXXX XXXX  $ XXXX 12 ) XXXX XXXX  {$200.00}, {$490.00} 13 ) XXXX XXXX XXXX {$2.00} 14 ) XXXX/ XXXX {$510.00} 15 ) XXXX/XXXX   {$0.00} 16 ) XXXX/ XXXX {$0.00} 17 ) XXXX/ XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Information belongs to someone else

Complaint:
This is my 8th request to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning do not connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-14
Company: Universal Account Servicing, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning, this is a collection agency by XXXX, that has an ongoing case against FTC. The school is using a debt collection agency ( third party ) to collect tuition fees to students. In the case given by the judge states that anyone connected to the XXXX, including collection agency are prohibited in collecting tuition fees and interest to the said tuition fees. I reached out to them twice already, sent them a demand letter to stop, because XXXX has an ongoing case. I attached a copy of the case #. I still receive emails and letters. I enrolled and never attended a single class because of XXXX and then followed by preliminary injunction prior to my scheduled classes. All students paid 25 % of the tuition fees before the class starts and school will collect the remaining balance. In my case They already collected {$11000.00} from me, which the promised education was not received. 
first payment collected was on XX/XX/2020 amount of {$9700.00} 2nd payment was collected via automatic payment to my credit card on XX/XX/2020 amount of {$1400.00}. 
I made a stopped to my automatic payment and from there on they started sending me emails and letters which i answered them. I spoke to one of the representative of Universal account servicing and told them that XXXX has ongoing case and so they should stop collecting what they call debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started working on my credit report snd noticed two collection accounts from Wakefield and associates the credit report said XXXX XXXX IS THE origin but I am unaware of such said company I notice Wakefield keep increasing the balances on those accounts which is mind blowing to me. Wakefield is violating my HIPPA RIGHT if these are medical bills. If wake field do not cease and desist all actions immediately I will seek counsel to bring legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: NELSON AND KENNARD
State: CA
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:
XX/XX/XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR XXXX XXXX FOR THE AMOUNT OF XXXX ... XX/XX/XXXX-I SENT A LETTER ASKING  TO VALIDATE THE DEBT ... XX/XX/XXXX NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XX/XX/XXXX.... AS TO TODAY, XX/XX/XXXX, IT HAS BEEN MORE THAN 30 DAYS.  I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XX/XX/XXXX.  THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS.  I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.  I WANT NELSON & KENNARD TO NOW FILE SUIT.  I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to an atm to withdraw {$600.00}, it went through the entire process and then when it was time to dispense my money it said error. I proceeded to do it again and the something happened. It said error and went back to welcome screen. I checked my account and XXXX was deducted. They said they investigated and found o errors but refuse to show me the documents to prove it. The atm did not dispense my money or a receipt or anything and my bank who I am supposed to trust did not help me, in fact they closed my account and now I can not even get in touch with anyone, emails go unanswered. Please help The date was XX/XX/20 Two separate transactions for {$600.00}, which total {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my credit ran because my wife and I are in the process of buying a home however, when my credit report came back I looked through it and I saw some accounts that do not belong to me. The accounts are from these these companies ; US Department of ED, US Department of EDXXXX & XXXX XXXX. I have no idea what these accounts are for or why they're on my credit report since I did not open them and I did not give anyone permission to open them in my name. I also never gave those companies permission to run or access my credit file. I did not get anything for my own benefit as a result of these accounts being open in my name and I did not contribute to any payments that might have been made towards the account balances. I have filed this report to the best of my knowledge regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-10-20
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: Public record information inaccurate

Complaint:
I have previously disputed the Bankruptcies listed on my credit report, and have provided a Police Report verifying the information is the result of Identity Theft. XXXX XXXX has deleted the bankruptcies from my records. Despite this, Experian continues in its refusal to remove these items. A copy of the letter from XXXX XXXX is attached. Experian has a copy of my ID and the Police Report on file as well.

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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted the proper paperwork to Transunion to remove the fraudulent accounts from my credit report and Transunion did not remove them.

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: 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: Personal information incorrect

Complaint:
I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute 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 2020-07-14
Company: AmeriHome Mortgage Company, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with my lender continuously trying to get a resolution we continue to get the run around. I have sent several authorizations to the same fax number that they provided and clearly received because they were able to locate the documents before. 


Now they keep advising that they don't have it when I am receiving confirmation faxes that they have it. 


My counselor XXXX who was been helping for over 6 months trying to help me save my home from Amerihome has been advised several times now that they don't have documents or documents expire and its just a mess. 

I am a veteran trying to save my home and just need help with these people! They have terrible customer service and don't care about what happens to customers. They continue to misplace my documents and let them expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Fay Servicing, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted Fay Servicing in XXXX in an attempt to explore foreclosure alternatives. As of XX/XX/XXXX we had a short sale offer signed on the property and as of today they still have not approved or submitted our offer to the investor. They failed to hold foreclosure proceedings as we waited for them to submit the offer. All documentation requested has been provided day of. We have requested several times to postpone the sale due to another family attempting to buy the home and the services has been less than cooperative with us. As of today the foreclosure sale is set for next week with a full short sale package in their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my saving account on XX/XX/2023. 
I haven't received my funds of {$270.00} XXXX yet. I call to closing department almost every day and they can not give me a clear answer as to when the check will be mailed to me. 
It is going on for over XXXX month now. 
What should I do? I have to pay my bills and IRS tax. 

Thanks

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 2023-06-05
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: Information belongs to someone else

Complaint:
in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted 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 2022-12-16
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was on line entertainment XXXX XXXX I used my chime debit credit card this whole time on XX/XX/2022 I did XXXX deposits that day XXXX and when I was done playing I withdraw approximately XXXX well XXXX wouldnt withdraw my money they said they wanted copys of three different debit cards 2 of them I havent had or used in months I no longer had them I sent them the card I used on there last few times playing my chime card and they wouldnt release my withdraw so I called chime to dispute the charges I used that day XX/XX/2022 I had to wait til charges cleared they said so I called back days later dispute them all then I got a message all but one they disputed I called back several times disputed them all for goods and services appealed it but only one charge for a XXXX XXXX got charged back so then XXXX locked me out of account which XXXX wouldnt withdraw my XXXX bucks which was my goods and service I would dispute all my charges that day cuz I didnt get my goods or service but they had my money so chime didnt do nothing but charge back XXXX XXXX  XXXX of XXXX that day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Restriction from using my CapitalOne 360 debit MasterCard at a retail as a consumer. XXXX advise me to close my account by requesting the balance. They said my account was close. I ask them why was unemployment funds were deposit if it was closed? I ask them for what reason. The reason was because it was in the negative for a brief time.. I was unable to make transfers regularly from my XXXX XXXX account, have my employer XXXX XXXX direct deposit funds. The GDOL of Labor deposited unemployment to that account without me giving them that account info. After COVID-19 I input my Suntrust bank account for deposit of unemployment funds. I did use the 360 account due to  issue 's using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I mailed a format letter to Experian requesting that they PROVIDE me with all relevant information validating debt on the XXXX/XXXX  Account # XXXX being reported on my account. 

As of XX/XX/2020 I had not received the requested documentation validating the debt so I mailed another format letter out requesting this information. 

As of today XX/XX/2020, Experian has yet to provide the appropriate documentation validating this debt and therefore I request that this account be deleted from my credit report 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 explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-03-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was charged higher interest rates and of fees on my auto loan established XXXX/XXXX to current date. I would like this to be investigated and rectified with a refund and or settlement.

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