BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX of 2021 i was a victim of identity theft, a person stole my belongings and my identification and wells fargo debit card were in the wallet that was stolen by the thief, i then reported this to the XXXX police department who were very nice and were able to make an arrest. I gathered all the documents to prove wells fargo i was not responsible for the charges made with my debit card. I even have a XXXX police XXXX willing to confirm this information, when i opened the claim with wells fargo, they decided not to listen to me, or even pay attention. I asked for a fax number or physical address to send the documents that would prove my case and they never gave me an address, they gave me a fax number that is not working, and after denying my claim, they decided to close my account, they never sent me a letter explaining why they denied the case, why they closed my account they simply kept my money, we are talking about more than ten thousand dollars. 

account number : XXXX fraud claim number : 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 2022-12-14
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: Information belongs to someone else

Complaint:
This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX. Balance : {$360.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Balance Owed : {$3000.00} Open : XX/XX/XXXX CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Balanced Owed : {$17000.00} Open : XX/XX/XXXX These accounts are on my credit report as collection accounts, this is a result of identity theft. 

I have filed identity theft reports with FTC and I have sent certified letters to CREDIT CORP SOLUTIONS dated XX/XX/XXXX ( when it first appeared on my credit report ). 
Receipt confirmation XX/XX/XXXX at XXXX. 

The company has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX {$7600.00} XXXX XXXX XXXX {$21000.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I requested a balance transfer over the phone to Wyndham Credit Card Barclay in the amount of {$10000.00} on XX/XX/22 to my uncles business account at XXXX XXXX  XXXX. 

They state that the amount was processed and the money was sent, but this is not the case. I was told the transfer would go through in 5-10 business days. That never happened. 

I was told on XX/XX/22 that the amount was sent to a different account ( my XXXX  personal checking ) - and that was not accurate to my XX/XX/22 request. So the representative submitted an escalation of the issue. According to representatives since then- the original balance transfer request was correct to my uncles account. 

I have called repeatedly and I get a different answer every time. The most consistent answer is that I have to keep waiting for resolution. 

As of today, no money has been transferred to either of the 2 accounts, but I have a charge on my credit card for {$10000.00} plus {$300.00} fee. The first payment will be due on XX/XX/22 and no one can tell me why Im being charged if no money has been exchanged. They insist the money was transferred, however this is not correct. XXXX XXXX XXXXXXXX was contacted and they do not have any evidence of a transfer. 

XXXX will not allow me to speak with anyone above an account manager and can not answer my questions. I was told to wait 7-10 days for a letter. After that time passed, they changed the number of days to 30 days.

This is a trend, every time I would call I would get different answers as to when the transfer would happen. 

I need help, today is XX/XX/22. I am being charged for funds that were not transferred. At this point I do not want to do business with this bank. I would like all of this reversed.

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 2022-08-11
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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:
I have disputed the new collections account with Equifax. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
On XX/XX/2021 I submitted a letter to XXXX disputing the accuracy on a charge off account they have been reporting on my credit report Account # XXXX. ( See attached letter ). Their response to me on XX/XX/2021 confirmed that the all information being reported is accurate and correct. They provided me with a copy of the original contract. They are reporting this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There was no loan agreement in place. No goods or money were loaned to the alleged debtor. It is a violation of the FCRA to knowingly furnish or report false information. ( See attached copy of contract ). They are also reporting this inaccurate account as Open on XXXX  and Closed on XXXX. ( See attached documents ). They are reporting a recent missed payment on XXXX  and that is Incorrect as well and caused my credit rating to drop and because of this inaccurate reporting caused me to be declined for a credit increase with my bank during this pandemic. ( See attached document ). I have tried to get this corrected with them and they have refused to make things right.

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 2021-03-06
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: Information is missing that should be on the report

Complaint:
Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor as Consumer Disputes per the FCRA which its not and is a violation. XXXX  has already removed the account for violations but yet XXXX  somehow keeps finding it verified when XXXX could not. If all information is supposed to be accurate across all 3 bureaus how is it that XXXX  is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account XXXX XXXX XXXX has committed. This goes for TransUnion as well for violations

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 2023-05-23
Company: EQUIFAX, INC.
State: KY
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:
REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the end of XXXX XXXX, Carrington Mortgage Services LLC offered to refinance my home and asked for a loan estimate from another company to see if they could offer me a better deal. Carrington offered me a conventional loan with much better numbers than the FHA loan I was considering from another lender. A payment for an appraisal was requested at that time. Because I had previously had a bad experience with an appraisal service, I told Carrington not to use that particular appraisal service. Two days later I received a call from the appraisal service I had the bad experience with, so I called the loan officer and told her again NOT to use this appraisal service. Another appraisal was ordered through another company and a refund for the first appraisal was issued within a week. I then paid for another appraisal from another company. I was told the appraisal would be approximately {$40.00} more, but in fact it was {$65.00} more. The day after the appraisal was ordered, the terms of the loan changed and the conventional loan had morphed into an FHA loan with numbers comparable to the first company I had received a loan estimate from. During the next week, the loan estimate changed two more times, so I contacted the loan officer and her manager to inform them I was no longer interested in pursuing a loan with Carrington and would they please return the appraisal fee. This was on or about the XX/XX/XXXX. A couple days later I received a notice from Carrington stating that my loan had been denied because, " We do not grant credit to any applicant on the terms and conditions you have requested. '' This adverse action caused my credit score to decrease when I was the one who canceled the loan process because of a lack of communication and an abundance of misinformation ( lies ). As of today, XX/XX/21, I have received no communication regarding an appraisal refund and no refund has been issued to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, INC.
State: MO
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 following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: MI
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 2020-12-10
Company: Nicholas Financial 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:
On XX/XX/17 I received a loan with a finance company XXXX XXXX, my loan amount and length of agreement were {$410.00} for XXXX months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Problem : incorrect employment information. Experian has me working for a company I have never worked at. In fact retired XXXX  years ago. Have contacted Experian over a dozen times - by phone and have submitted many disputes online. They insist it is correct. While it does not affect my XXXX XXXX it is used to validate my identity. Its very frustrating.

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 2023-02-02
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: Investigation took more than 30 days

Complaint:
Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER XXXX was sent with supporting documents Registered Letter see attached XXXX has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified EXPERIAN AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add Experian and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls

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 2021-09-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding unknown and inaccurate things on my credit report. To this day 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. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: CT
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Credit Plus Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
they called multiple times within a few days and left this message from multiple different numbers from different states with the same voicemail- sometime changing the name to XXXX XXXX Hey it's XXXX XXXX XXXX XXXX and I'm just following back up with your online request for getting some financial help and I was able to get you an approval that I think you're gon na like so just go ahead and call me back so I can give you the details just know that the program does have limited openings and is on a first come first serve basis so just call back soon to finalize the details my number is XXXX and anyone can help you out just in case I'm busy with someone hope this helps you out and we'll talk soon.

Company response to consumer: Closed with explanation