BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I initiated the refinance process with Wells Fargo which is the holder of my current mortgage. 

The pricing would save me just shy of {$500.00} a month so I opted to go with Wells Fargo over a broker believing I would close in a relative timely manner. 

On XX/XX/XXXX I indicated my intent to proceed based on the estimates received from Wells Fargo. 

In that agreement I paid {$550.00} in up front costs on XX/XX/XXXX. 

My appraisal was completed by XX/XX/XXXX and Wells Fargo had it in hand. 

I had to pay my old XXXX mortgage rate so that was almost {$500.00} I did not save. 

My initial closing date was set as XX/XX/XXXX which meant I would need to make an additional old mortgage payment so another {$500.00} I would not save. 

My closing was pushed because they said they hadn't heard from the title company. Closing was pushed XX/XX/XXXX. 

By XX/XX/XXXX I had heard NOTHING from Wells Fargo when I reached out they said they hadn't heard then later said that the titlle company didn't show a record of the request and they would have to " re-submit '' though I suspect the request was never made and they can not provide proof that it was. 

At this point my closing was pushed to XX/XX/XXXX which would mean another month of not realizing the savings I was supposed to see. 
To that date my loss was : {$550.00} in up front costs {$1000.00} ( roughly ) in unrealized savings On XX/XX/XXXX I was informed that Wells Fargo had received the paperwork on my title and needed only to complete verification of employment. They said they began that on XX/XX/XXXX. As of XX/XX/XXXX no one from Wells Fargo has contacted my employer and I am in daily contact with my employer XXXX the entire HR department ) that they have not received a request. 

I have contacted XXXX XXXX and XXXX XXXX on a regular basis and no progress has been made. 

At this point I have a closing date of XX/XX/XXXX but I don't believe that will happen either which will mean I will be paying XXXX mortgage at the old rate which equates to : {$550.00} in up front costs {$1500.00} XXXX roughly ) in unrealized savings TOTAL ROUGH COST TO ME : {$2500.00} Meanwhile I have confirmed with others that chose a different broker that they closed within three weeks and another friend who has been in the same limbo with Wells Fargo. 

My contacts at Wells Fargo are : XXXX XXXX XXXX ID XXXX Tel XXXX Ext. XXXX XXXX XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX XXXX XXXX extension 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 monetary relief
Consumer complaint received 2019-06-10
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
medicredit inc. 
XXXX XXXX XXXX XXXX XX/XX/2018 {$50.00} XX/XX/2018 {$80.00} XX/XX/2018 {$65.00} i have call medicredit inc. to dispute these 3 payment, even thou they say it was 5 bills .Due to the fact that i m and have for the last 8 yr. being used medical which paid full price for my med. need and that i don't know what XXXX  hopital did wrong that they did't get paid. medicredit ask me can i go to XXXX ill to ask the billing dept to pay these old bills. i don't live no place near XXXX ill

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 2019-06-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PENTAGON-BANKCARD IS OPENED FRAUDULENTLY, IHAVE ASKED XXXX   NUMEROUS TIME TO REMOVE THIS FRAUDULENT ACCOUNT FROM 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 2022-12-23
Company: EQUIFAX, 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 have collections on my consumer report that is against the law. As determined by Congress, the credit reporting agencies are all in violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ) Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and close end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Saturday, XX/XX/XXXX, around XXXX I began a conversation on XXXX with a " XXXX XXXX '' regarding two tickets for an XXXX XXXX concert. He offered the tickets on XXXX by stating he had planned on making it and can no longer. He said he would send me the tickets at soon as I sent him money on Paypal. After asking several questions, I paid {$92.00} to him and {$4.00} at XXXX on XX/XX/XXXX to Paypal to complete the transaction. He asked for a screenshot of the purchase which I sent and told me he will wait until XXXX the next day until he sends me the tickets to make sure the money goes through and at XXXX the next day, he blocked messages from me. I never received any tickets nor messages from him after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: IA
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 several inquirys that are not mine, I only approved XXXX finance, XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX & the places I have cards or accounts thru, I have places like aXXXX XXXX XXXX  and XXXX XXXX XXXX just a bunch I dont know why they received my information. I was told my credit equivalent to contact you guys. 

Theres even a collection for XXXX $ on each bereau that was paid to original creditor for {$93.00} directly to XXXX was told it would be removed still not removed from XXXX XXXX or equifax. 


There is a collection on equifax for XXXX, that never once was I notified and I cant reach the people by phone I call press 2 and the phone hands up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
so check this out, I went to get a job and was denied due to things on my report that don't belong to me. there is a car loan, things that went into collections and hard injuries that don't belong to me at all and they are a result to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/XXXX, I wrote a letter to Equifax in relation information I received from Foremost my Auto Insurance Company.

Equifax reported to the insurance company an address that was commercial, never residential. Once in XXXX, I had an office there. I don't, nor have I ever lived at the XXXX XXXX XXXX XXXX XXXX address. 
When I try to log onto the Equifax site I am provided information for accounts I have never had in my life. 
On XX/XX/XXXX, I emailed my driver 's license and my Electricity Bill in an attempt to have them remove the inaccuracies from my account. 
On XX/XX/XXXX, I faxed my Driver 's License, My Electricity Bill, my Voter ID, My XXXX XXXX XXXX Card to Equifax. 
Someone should be able to talk to me when I am able to talk with them. No one responds to voicemails. No one responds to US Mail and you have to already not have a problem too log on to Webmail. On XX/XX/XXXX, I also used the webmail form to make my complaint. Now, it is XX/XX/XXXX and my insurance is still higher than it should be because this consumer company is not responsive to consumer complaints. Please help me. I simply want the correct information on my consumer credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE CONTACTED MIDLAND CREDIT MANAGEMENT TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXX ACCOUNT ORIGINAL CREDITOR WAS XXXX, XXXXTHE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Colony Brands, 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: Their investigation did not fix an error on your report

Complaint:
XXXX continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX, XXXX & XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, The XXXX XXXX on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX , XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX , XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX Nmae ID # XXXX and XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX  XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Mi XXXX are not addresses I have lived

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 2019-01-11
Company: DISCOVER BANK
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account with Discover Bank over the phone within the past month. I wanted to set up internet access so I used the computer at the library, as I don't have internet access at home. I input the information to access my account online - Date of Birth, Social Security Number, Mother 's Maiden Name - without thinking that a library employee or anyone looking over my shoulder would be able to see this. URGENT - THIS NEEDS TO BE HIDDEN WITH ***** AS IT IS INPUT. 

I will of course contact Discover, but this is of EXTREME importance due to a very high risk of identity theft. It is unprofessional to say the least, and exposes Discover Bank to liability in encouraging customers to provide personal information without hiding it. Every other bank I've ever dealt with has the sense to hide personal information on the screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with 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 2023-06-06
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I signed up and transferred {$20000.00} into Citibank with the promise of {$150.00} cash bonus.Three months have gone by and I called to see where the bonus is, they no of nothing.They told me to talk to the promo people who dont know anything about it as well.The next day I look at my Citibank app and account has vanished.I call them up again and they tell me there is a investigation into the account and it is locked with no access.They say it will take 24-48 hrs to investigate.That window has passed and still no access, its not back on the Citi app or online, its gone with no warning, no information given, they wont give me any details whatsoever.This is highly disturbing, my money is gone with no explanation.All I have is a ATM card to prove this is 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 2022-03-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.

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 2019-06-10
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: Their investigation did not fix an error on your report

Complaint:
I have explained to TransUnion over and over that I did not give anyone permission to look at my credit. I attactched a identity theft report and a police to my previous request and they continue to leave fradugelent information on my credit report. This account does not belong to me & I have never opened an account with XXXX XXXX XXXX. The following inquiries should not be on my report because I did not give anyone my permission to look at my credit from these companies XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and there are several from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake

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 2023-06-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Chase guaranteed on-time closing, or {$5000.00}, on my mortgage. They delayed closing, and now they are trying to refuse to pay {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid off this account in full and on time. It is incorrectly showing as charged off and still owing a balance as well as numerous late payments. This information is incorrect. I have tried to contact the company on multiple occasions to resolve this but have not received a response and have this information has not been corrected on my consumer 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 2021-07-11
Company: National Credit Adjusters, LLC
State: OH
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove it immediately in my report : XXXX XXXX Date opened XX/XX/2006 Balance {$7000.00}. Please remove.

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