BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: WELLS FARGO & COMPANY
State: UT
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 signed up with a debt consolidation company back in XXXX. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company ( XXXX XXXX ). They are no longer in business and one of the owners of the company is in jail. I am trying to get Wells Fargo and XXXX off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am requesting DELETION of the collections from AFNI, INC On XX/XX/2019 and XX/XX/2019, I returned equipment that we rented from XXXX that is worth approximately {$550.00} in balance ( could be {$540.00} according to the XXXX phone representative ). XXXX received the equipment and told me in the store on those dates that any balance owed to XXXX is now a XXXX balance and that they will make sure that my account reads XXXX balance to all associated departments. 
2. On XX/XX/2019 I received an alert from XXXX and XXXX that a Collection from AFNI was added to my credit file for a debt owed to XXXX for {$550.00}. I also saw that it was reported by them on XX/XX/2019. On the debt they reported that is owed to XXXX it stated that the balance date was XX/XX/2019. That is at least thirty-five days ( 35 ) after I returned ALL equipment to XXXX XXXX in XXXX GA store and have a XXXX balance in the XXXX location. 
3. This ERROR in their system that caused this problem occurred within their system. 
4. I received no warning that after I returned the equipment to XXXX that this collector named AFNI Inc. would post a debt that does not truly exist toward XXXX on my credit file with the Credit Bureau. Even to, there is NO debt owed to XXXX on and AFTER XXXX XX/XX/2019 because all equipment was returned to them in and AUTHORIZED EQUIPMENT RECEIPT LOCATION, an XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX - ( XXXX ) XXXX ), as evidenced by the receipts ATTACHED and the correspondence from them that I include. I have ALSO included the business cards of the representatives I dealt with PERSONALLY in the store. I have, with due diligence, recorded all communication with XXXX and my attempted communication with AFNI Inc . The attempted communication with AFNI Inc. proved useless, but it is recorded, and they were not helpful. XXXX conceded that it was XXXX ERROR / fault and I have it on recording conversations between themselves at the store in XXXX GA and XXXX customer service. They are also sending more information to me in connection with this apology and have stated that they will try to correct it also. It has caused me significant damage for the report of a recent collections on my credit file to my business dealings of such an insignificantly small amount of money that represents such recent activity of fiscal irresponsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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:
I received an alert that I got a hard check of my credit. I checked it out and XXXX checked my credit. I did not request this check at all. I am not a XXXX customer and have no intention of becoming one. Here 's the information provided : XXXX XXXX Request from : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Since it was only a credit check and an account was not opened, I could not submit a dispute with TransUnion ( the credit agency checked ). I called XXXX and they said they do not have a fraud department and could not provide me with any information because I was not a customer. I called TransUnion back and they said that I needed XXXX to provide a deletion letter and I needed to also send them an authorization letter. I called XXXX back and they have a specific policy where they do not provide deletion letters. 

So essentially, I'm caught in a loop where TransUnion won't remove the inquiry because I need a deletion letter from XXXX and XXXX has a policy where they do not provide deletion letters. Apparently this credit check caused a 5 point drop in my credit score. I want it removed.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.

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 2019-09-15
Company: EQUIFAX, INC.
State: AR
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:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Investigation Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : " DELETE XXXX   XXXX XXXX '' Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 

I've included the full letter with the items that I'm disputing below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a copy of my credit report and noticed a few items to be in error. this item i paid in full and should have never been in collection. I even have an account with this same bank now. I dont think you would offer someone your services again who owe you money.

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 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2020-08-14
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: Personal information incorrect

Complaint:
hey, I sent a dispute letter XX/XX/2020 and as of today I still havent recieved a response and by the law if im not mistaken the bureaus have 30 days to respond

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 2018-02-13
Company: Innovis
State: CT
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:
this showed up on my report and I have no idea where it came from. this should not be on my report as I am very careful with making and inquiries hard or soft. 

Institution Information CBCINNOVIS XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I received several letters from XXXX XX/XX/XXXX, XXXX, XXXX XXXX, and XXXX making credit inquiries where my credit score was very low from Equifax in order to purchase a car. Within the last year I have not had an inquiry, but had a subscription with Equifax for several years to monitor my credit and the credit score was a fair one for XXXX and a fair one for the year XXXX. However, their reporting score to the above businesses was a poor one. I have a copy of my score from last year and this year from Equifax own website and I am sending a letter to the U.S. Attorney General to investigate. I want to know from the U.S. Attorney General how could several credit inquiries bring your score down to 78 points for the month of XX/XX/XXXX because that is when the inquiries were done and I have a fair credit score according to their own website. It appears someone in that agency manipulated the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I came to Sears store to purchase a mattress. I was offered by the Sales Associate to open a Sears Credit Card and if i spend {$1500.00} purchases the first 90 days, Ill receive {$150.00} store credit. I accepted the offer and opened the credit card. Once The Sales Associate finished the transaction, I noticed there was {$60.00} credit due to I used the card to make the first purchase at Sears store. I asked is this part of the {$150.00} or in addition to the {$150.00} and was told It is another promotional offer from the store. To be sure, I called in to Sears credit card and was confirmed by customer service that the {$150.00} will be credit within 1 or 2 billing cycles after the 90 days. 
Its the end of XX/XX/XXXX, I spent more than the required XXXX but i dont see the {$150.00} credit to my account, So I called Sears to follow up and was told the {$60.00} is all the promotional offered I got. I explained to them and they confirmed there was a call i made in XX/XX/XXXX regarding the {$150.00} but since i got the {$60.00}. They cant issue me another reward. 
I escalated to a manager who was very rude and told me there is nothing he can do. I stated Ill file a complaint because this is falsified marketing scam and he said go ahead. Attached is a screenshot of their promotional offer posted on their website as of now. I would like the CFPB to fix these marketing scam to protect our consumers. Thank you

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 2018-12-27
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My account was closed because I called on the XXXX about a transaction I didn't make and all my netspend prepaid debit cards were deactivated. My social security benefits posted the XXXX, and they closed my account on XXXX XXXX day. XXXX. 
I have been with netspend prepaid card since XXXX. My social security XXXX check goes direct deposit to my account. I had no access to my funds which my family depends on I am single mom of XXXX children. I called and the representatives told me different things. 
I don't even clearly understand why they closed my 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 2018-06-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX is refusing to close our XXXX  account. Weve submitted a close account form and asked for a refund over a month ago. Service fees are now being charged. On XX/XX/18 I called customer service and they put me on hold and then hung up on me and did not close my account. Ive used every option I can think of but they continue to charge service fees and not refund the extra amount or close the account as submitted to them in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from XXXX XXXX, XXXX for a debt owed to XXXX in the amount of {$440.00}. The date on this letter say XX/XX/2018. They said that they verified it but I have no idea what they are talking about and if I did, what they provided wasnt proof of verification.

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 2018-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a deposit of {$6000.00} into my Capital One Checkiny Account. 

I have a XXXX XXXX and had a friend help me make the deposit. Capital one insisted that they know who was on the account for deposit and to call the XXXX XXXX XXXX XXXX, where the deposit came from to get a full identification of the depositor. 

I went through 2 weeks of hold and waiting for the funds to clear. I waited on hold for hours to have then connect with the other bank and was told by XXXX XXXX XXXX XXXX that they would not verify the deposit. Capital One would then not release any funds to me even after they said they were closing my account. I asked for a check to be mailed and that has not happened either. I need this money for emergency home repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax has my Last name Incorrect, I have sent the birth certificate, license, and ss card, along with fid card and they will not fix. I have paid off loans and it shows still open with balances. I have contacted them by phone, by disputing on line, faxing them documents I dont know what else to do please help. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have had a Wells Fargo home loan that was in good standing for over 20 years. We pay electronically or via telephone and never review our statement. Our loan is at a 7 % interest rate and although we should have, we did not refinance our loan knowing that it would be paid off XX/XX/XXXX therefore, we always paid whatever the payment computer screen or telephone prompt said to pay. In early XX/XX/XXXX our loan was transferred to a different servicer and we received a statement to review for corrections. We immediately noticed that the maturity date had been extended to XX/XX/XXXX and reached out to both Wells Fargo and XXXX via telephone. After multiple telephone attempts, we sent a certified letter to XXXX which took them almost a month to respond. They submitted a Wells Fargo doc dated XX/XX/XXXX that we have never seen before nor did we sign that extended our loan until XX/XX/XXXX. We asked for correspondence and an account statement and were told that we would have to go to Wells Fargo. When we went to Wells Fargo they stated that they did not have any information surrounding that modification agreement and referred us back to XXXX. We have everything well documented should you need that information. Our loan # with Wells Fargo was # XXXX and our XXXX Loan # is 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 2018-12-27
Company: Goodman Frost, PLLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX Account opened approximately XX/XX/XXXX. Co-signer on this car loan account. Bi-weekly wages were garnished in the amount of XXXX final payment was made on XX/XX/XXXX, and account has been paid in full but still reporting on credit report. contacted finance company, whom referred me to garnishing attorney Goodman-Frost for removal. contacted attorney, who told me finance company has to remove it from credit report. disputed with XXXX  and XXXX  with no resolve. item says it will report on credit until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have written and emailed Santander Consumer USA, THREE amount my car payment reporting late to All Three Credit Bureaus, for a total of 8 payments. Here are the dates of letters & emails that were sent ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This company is Notorious for not report on time, and not respond to communication with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were going through XXXX to complete our modification, we turned in all necessary paperwork only to be called from our XXXX XXXX in the beginning of XXXX saying that we were being denied due to not having enough employment because when we first submitted the file I was on unemployment and during the process began working but with a decrease in pay. All of my pay stubs were submitted since XXXX of this year. Our XXXX representative had to submit the documentation all over again. In XXXX, we received a escrow refund check and was able to pay our XXXX mortgage with those funds not knowing that if the account was current, the modification could not be done. I received a call from our XXXX representative on XX/XX/XXXX with the bad news that since we paid our XXXX mortgage, we couldn't receive a modification. I explained to her that this is unacceptable, if the modification was completed correctly the first time before we ever received an escrow refund, our modification would have been approved and that it wasn't our fault that the documentation was there but the rep at Shell point neglected to double check the pay stubs or even ask. The reason I received was that she thought the pay stubs from XXXX until XXXX was unemployment when the pay stubs clearly state my employers name XXXX XXXX XXXX. So now we have to continue trying to pay the mortgage due to someone else 's mistake and in addition we never received the documentation of not being approved the 2nd time so that we could appeal the decision. Shell point doesn't want to work with their borrowers when they are experiencing hardship and it's a shame!!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation