BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Call from Wells Fargo in XXXX, XXXX by XXXX XXXX saying I may have check whose signature doesn't look right. Since I wasn't sure the call was spam, I called my branch in XXXX to ask if there was a problem with any of my checks. The bank manager said that none of them were flagged. A few days later XXXX XXXX called back on XX/XX/XXXX and then XXXX XXXX took the call to talk directly to her. She then described that a XXXX of my check 's did not match my signature. She told me to immediately get to my nearest branch to file fraud papers. I got to my branch within 20 minutes of the call, filed the papers, and received a copy. A week later we found out the check had cleared our account XXXX XXXX. 
We now were regularly in communication with the Fraud Department of Wells Fargo. We assumed that this fraud dept. contacted previously the police and/or FBI ( which we much later found they did not ). After numerous calls to the Fraud department to determine what they were doing about our case, we were getting very little response. Finally, after complaining to the executive office also, we were told that the fraud department was sending a letter to the bank where the check was cashed. The fraud department would not tell us who that bank was. But we found out on our own that it was XXXX XXXX in XXXX near the other Wells Fargo. We also asked for a copy of the letter sent to XXXX XXXX and, to this day, have not received a copy. 
We have constantly called Wells Fargo, both the Fraud and executive departments, asking for information and follow-up. Not only have we not gotten any information, but we keep on get a new case number, as if we're starting all over again. This is so nobody has to deal with XXXX regularly. 
Since we were getting nowhere, we decided for our own protection, we should try to at least file a police report. We did that in XXXX, XXXX. 
We were able to speak to XXXX XXXX at Wells Fargo again. She told us that she was surprised that the check was cashed because she got a call from XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX asking if the check was OK and that she had told her it wasn't. 
We have been willing to wait out the time for all investigations to happen. The main reason for this complaint is that Wells Fargo just sent us an email on XXXX XXXX at XXXX, after over 2 months ending their responsibility to this fraud. When we called for more information, we were told he didn't have the time because he was too busy. 
If more detail is needed, we can forward much more information, including names of people handling " so-called '' files each time and dates. 
As a point of reference, we'd like to mention that this check was intercepted from the 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 explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: OK
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:
My dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Experian Information Solutions 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:
Not my items reporting

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 2018-07-15
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I had resolved an ongoing issue with this creditor regarding a credit card. They advised me to dispute it with the credit reporting agencies and they would make sure it was removed. The ONLY bureau it was removed from was XXXX, XXXX and XXXX  are still showing and when asked they advised the creditor, Chase, was reporting accurately. How can they report accurately to one bureau but incorrectly to the other 2??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a mortgage with XXXX XXXX XXXX XXXX. I got foreclosed on and I went into bankruptcy. XXXX XXXX XXXX XXXX sold my mortgage to XXXX XXXX XXXX. Well everything was put into our bankruptcy, we did chapter 13. So we fulfilled the bankruptcy and everything was taken off our credit report. XXXX XXXX XXXX was completely taken off of XXXX  XXXX and XXXX. But it was still showing up on equifax, so I filed a dispute with them and the next month they took it off my report. It was showing 3 yrs late payments, which that was the 3 yrs we were in bankruptcy. But the following month it was put back on my credit report and dropped my score 50pts. I then called equifax  back and asked them what happened. They couldnt tell me what happened and told me to contact XXXX XXXX XXXX. So I called XXXX XXXX XXXX and explained to them and she contacted equifax  and sent in all the info and explained to them that nothing should be showing up on the report. The next month it was taken off. Then more score went back up 50pts. The following month it was put back on the report and dropped it 50pts again. I then called equifax and once again they couldnt answer my questions as to why it was still showing up. I called XXXX XXXX XXXX back and she explained to me the problem is with equifax and not them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Applied Data Finance, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has been going on since XX/XX/2018, calls started with XXXX XXXX XXXX trying to collect on a debt they said was placed with them from XXXX, I explained I didn't owe anything on a loan with XXXX that it has been paid off. Calls continued, I contacted XXXX  on XX/XX/2018, and was told I didn't have a loan balance and the loan I did have was placed with XXXX and had been paid off. I explained this to XXXX XXXX XXXX, but the calls persisted. I've never received a collection letter, or correspondence of any kind except for the phone calls. Last person I spoke to at XXXX XXXX XXXX was XXXX XXXX XXXX. I spoke with XXXX, said loan was " paid satisfied '' - as shown in attachment, spoke with several people their and they advised me as did XXXX that this was a " Scam ''. I have since been contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he also gave another contact XXXX XXXX XXXX XXXX, when I explained I didn't owe anything on this loan, he stated that XXXX or XXXX " probably didn't close out the loan ''. I then received a call stating I was going to be served a summons within the next 24 - 48 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: M&T BANK CORPORATION
State: NY
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:
I had a checking account with this bank that was closed and brought to a XXXX   balance before it was closed. Theyre reporting it as a charge off on my credit report, not only that but they fraudulently ran my credit without any authorization for any type of loan or extension of credit. I wasnt even living in a state they do business in at the time! I tried to get answers and all I got was the run around from them and no one could seem to answer my questions.

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 2018-04-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-03-25
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
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:
So i called Professional Bureau of Collections of maryland and tried to see if we could settle an over due account. I spoke to XXXX XXXX at ext XXXX and then asked to speak to her manager, XXXX XXXX. she not only handled her job unprofessional and was disgustingly rude, she also prior to end of call on purposely hung up on me. 
I called back in to file a formal complaint against her and was transferred to XXXX XXXX and he was and claimed to be operations manager for the company. I spoke to him and tried to settle and work with the company to settle an old account. I reported my situation to him which he stated he couldnt speak on because he " didnt know of what happened. '' we could not get to settle anything and feel that this company has some beyond rude managers and have no respect for XXXX veterans! 
my outcome is that I would like the company to accept my settle amount for the inconvenient actions that the " manager '' XXXX XXXX took, by deliberately hanging up on me. i also would like a phone call back with an apology for her unprofessionalism!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting information.

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 2020-05-22
Company: EQUIFAX, 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:
There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( XXXX  and XXXX  ) Incorrect Address : XXXX XXXX  XXXX ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above  company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so.

7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Scratch Financial, 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: Account information incorrect

Complaint:
I opened an account with Scratch Financial in XX/XX/XXXX. I have paid the monthly payments on time to-date. Their reporting of my account to credit bureaus showed I had only made two payments in XX/XX/XXXX and XX/XX/XXXX, which made my credit score diminish because it showed a high balance in XX/XX/XXXX and payments not made. 

I called Scratch Financial 7 times to correct the problem. I also filed a dispute with XXXX   and they contacted Scratch Financial. Scratch Financial had 30 days to reply and they did not, so, they were deleted from my account and my credit score decreased by 32 points on the day XXXX removed Scratch Financial from my credit file. I need Scratch Financial to correct the error, but they have not to-date, and I have been dealing with them for the past 3 months to correct their mistake of not reporting my loan account status monthly. Their lack of reporting correctly has already cost me a loan. My credit score dropped XX/XX/XXXX and has been -38 points ever since. 

Hopefully you can do something. I am building my credit and I have worked hard to pay these XXXX on time to grow my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 identity was compromised while serving oversee. The perpetrator tried to open up the following accounts in my name. I demand that the following inquiries be removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. 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 2023-06-12
Company: EQUIFAX, INC.
State: NY
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 am writing to dispute an unauthorized credit inquiry on my credit report. I visited a car dealership that was supposed to run only XXXX account for me, but instead, they ran my credit for multiple accounts and resulted in multiple hard inquiries on my credit report. I did not authorize this inquiry, and I was not informed that my credit would be checked for multiple accounts. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.Please investigate this matter and remove the inquiry from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: CA
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:
The reporting agency states the credit card company certify the information is correct they sent to them to report. We did not receive the certified letter with a wet ink signature to whom made such claim that the information they have is accurate. 
Date of event : XX/XX/2017 Amount : {$520.00}

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 2022-02-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX  Account number : 3XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Canceled my account with no reason given other than that I have to view user agreement and also would have to obtain a court ordered subpoena to find out why This is through PayPal and the email used is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: GUARANTEED RATE INC.
State: IN
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:
The issue is with this company. I gave them permission to pull credit once, but not a second time. They did it a second time without any authorization and it surprised me when it showed up on my credit report. 

GUARANTEED RATE INC via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual The authorized request was on : XX/XX/2019 The unauthorized request was on : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Security Credit Services, LLC
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:
I pulled my credit report and saw two entries for the same company Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. 

One entry was for a collection account of {$910.00} and another same company for {$1100.00}. I tried to contact on the company on XXXX/XXXX/XXXX and they told me that I was well aware of what the debt was for and that they needed my ssn and my current work location. I refused and told them to remove this erroneous entry, was put on hold for 23 minutes, when i finally hung up. 
I haveno idea what this collection debt is and I want it removed from my report immediately. I am a XXXX XXXX XXXX veteran and I am trying to buy my first home within the next 15 months and this false entry is really hurting me.

Company response to consumer: Closed with explanation