BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: CBC Companies, 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:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was a customer of Wells Fargo for 15 years and was charged several overdraft fees and also had my deposits frozen which caused the overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRUIST FINANCIAL CORPORATION
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 was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was 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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA 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 2021-03-30
Company: Credit Karma, LLC
State: FL
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:
Credit Karma XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Santander Consumer USA Holdings Inc.
State: IN
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 below accounts we discovered on my credit profiles when I checked yesterday, because I was looking at buying a building and needed to know how my credit score. 

XXXX XXXX Santander Consumer USA 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 explanation
Consumer complaint received 2021-08-23
Company: OneMain Finance Corporation
State: OH
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:
One main recently checked my credit report yesterday. THIS WAS A SURPRISE to me as I did not complete any application for credit with One Main. I tried to call One Main and was unsuccessful yesterday. Which is why this is urgent and needs to be REMOVED ASAP. As well provide me with the IP address of the source which a fraudulent application was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please refer to open CFPB complaint # XXXX. As mentioned previously in my opened complaint, the debt reported which was indicated by Portfolio Recovery Associates in the amount of {$710.00} is not accurate and is a violation of State and Federal law with regards to accurate debt collection and credit reporting. As I have indicated and as the attached records show, the correct " DELETED '' debt amount was {$710.00}. As the law stipulates, a debt can only be pursued when presented with ACCURATE information from a dept collection agency. This debt accusation is neither accurate or pursuable by law since the information which was reported by Portfolio Recovery Associate to XXXX XXXX or XXXX is verifiably WRONG/INACCURATE and was previously DELETED whiles in the custody of XXXX XXXX. Clearly, Portfolio Recovery Associates did not perform a proper investigation before purchasing this " UN-OWED DELETED '' debt to verify its status and or dollar amount. Though close in sum, {$710.00} dollars is not the same as {$710.00} dollars. And for this reason and other reasons which were previously argued in the original CFPB complaint and by attached documents of proof which were submitted to CFPB in this ongoing investigation, Portfolio Recovery Associates has no legal authority to continuously harass me, nor collect on an imaginary debt which does not exist and reported incorrectly to the sum of ( {$710.00} ). Furthermore, Portfolio Recovery Associates can not over turn a debt deletion which was previously completed which honors my due process under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted a dispute to XXXX. It has been well over 49 days and I have not received a response. 

On XX/XX/XXXX, I submitted a complaint to the CFPB. On XX/XX/XXXX I received correspondence stating that XXXX  did not believe I was the one filing the complaint. I was advised by the CFPB to call XXXX  and let them know I am the one submitting the complaint. I contacted the XXXX  dispute department to inform them and I spoke with a representative by the name of XXXX. Subsequently, I am refiling this complaint. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I provided payoff funds for my Bank of America mortgage on XXXX XX/XX/2020. However, I inadvertently did not disable the automatic mortgage payment to Bank of America from my XXXX XXXX checking account. As a result, a payment of XXXX was made to Bank of America on XXXX XX/XX/2020. From that time, I have been endlessly trying to get Bank of America to refund the payment. I have made over a dozen calls to BoA each with a hold time in excess of one hour to speak to a representative. Each time I am told that it is being taken care of or that I will be " called within three days ''. BoA has never returned a single call or made any effort whatsoever to return the funds. I filed a bill pay  claim with XXXX XXXX and am told that XXXX XXXX is not able to reach anyone from BoA. I also filed a claim with the Office of the Comptroller of the Currency ( XXXX XXXX ) however they sent me a summary letter saying that CFPB had jurisdiction. This has been very frustrating because it's an incredibly simple issue but Bank of America has been completely useless at solving the problem and intransigent about taking any real action to solve the issue.

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 2021-03-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Comenity Bank has attempted to pull my credit report on two occasions when I have purchased clothing from XXXX ( XX/XX/21 ) and XXXX to XXXX XX/XX/21. I did not apply for their card and I did not consent to them attempting to pull my credit. Nor do I have any lines of credit with them. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email XXXX XXXX a XXXX to Trans Union and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX  bank line of credit, XXXX  card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX  dose not have my XXXX bank line of credit on there 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 2020-12-01
Company: DISCOVER BANK
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regarding the wells fargo settlement I feel I might be a victim Been with wells fargo since XXXX. From XXXX was told we had to open several accounts with balances in order to avoid fees on certain other accounts which were all at some point assessed fees anyway. Involves many many various open and since closed accounts

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 2021-02-12
Company: EQUIFAX, 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 was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: TN
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 CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/GLELSI THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( EQUIFAX, XXXX, XXXX ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on my credit report that there was a new collection. When looking into this, I saw a collection account for Congress Collection. I placed a call to the company to ask what it was for and was told it was for a medical bill from XXXX XXXX 2017. I have never received any communication from this company. The second issue is that the new law states they ca n't report a medical bill unless it is 180 days past due. If the bill was from XX/XX/XXXX these would still be a few months to have this cared for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
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 contacted the company but to no avail. They have failed to return my calls or emails.

This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against.

The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I have no idea how these inquiries got onto my report. I was alerted by the XXXX  app of inquiries that are not recognized on the report. I do recognize them and i want them off my 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 2021-08-23
Company: EQUIFAX, 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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is XXXX XXXX. XXXX. They call daily. They want an account number, which we do not have, and a SSN, which we will not give. We do not owe money anywhere, never have. They call so much that it now goes to XXXX. Thinking this is a scam of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Aqua Finance, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This is a add on to a complaint I already put in on XXXX XXXX,2017 complaint XXXX about AQUA FINANCE, INC.. 

I had put in this prior complaint and was surprised and thought great customer service since I received a call the next day on XX/XX/XXXX from a " XXXX '' who was in management ( called from a unknown number ) and she apologized over and over how Aqua Finance was wrong in this whole process with me, all representatives/Managers I spoke to all stated I was late/past due and that was incorrect regarding my account, which I am very upset about if I did not know my laws and or rights then that would of been it. XXXX explained how all of this was " bad training and they will look into this '' and how she wanted to move forward with the process of loan I agreed she stated she will make notes and forward all my info to the head guy in financing and I will get a return phone call. Well go figure .... it is now 8 days later and no returned phone call or any emails etc..I have no idea if I was approved, denied, nothing! I am so frustrated with this process especially how I feel I was told I was denied original on the prior claim which is NOT correct and in my eyes a " False Statement '' from the Finance Company this is very unprofessional and agian I am highly frustrated due to now allowing them to move forward and fix the problem they have made the situation worse and once again misleading information by having someone contact me back ( after pulling my credit ) and NO ONE can communicate with me in regards to the loan process, I have no call back number for this XXXX and I do not want to even call customer service do to the prior complaint and I was mislead/lied to by all the managers ... .this is the MOST horrible experience I have been through when applying for a loan, especially frustrating that I have a existing loan which is in good standing so I have a relationship with this company already.I need to know what I can do about this i feel like I have false denial statements ( original complaint ) and now this company has pulled my credit and no phone calls back to me ... .I am ANGRY!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
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: Account information incorrect

Complaint:
In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by XXXX XXXX to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and XXXX XXXX  refuses to give me updated 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 2021-02-12
Company: Experian Information Solutions Inc.
State: TN
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:
Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate 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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate 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