BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: EQUIFAX, 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:
I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we closed on a mortgage with XXXX XXXX, XXXX of the lenders suggested by XXXX. The negotiations specifically excluded provision for insurance on the contents, as we did not need or want such insurance. We have been paying our monthly payment of {$540.00} since XX/XX/XXXX. Wells Fargo sent us a letter dated XX/XX/XXXX advising us that they have purchased our mortgage and will commence serving it on XX/XX/XXXX. The letter stated : " Rest assured, this transfer does not affect any terms or conditions of your mortgage. '' A letter dated XX/XX/XXXX from Wells Fargo stated that our hazard insurance had expired on XX/XX/XXXX and " We plan to buy insurance for your property '' There was no such policy, and I have been calling them numerous times to find out how they could legally change any of the terms of our mortgage. My calls have not provided any satisfactory response. We have now received an invoice to a payment of {$560.00} into our escrow account and that our monthly payment will increase from the {$540.00} we have paid for nine months to {$600.00} starting on XX/XX/XXXX. We are XXXX & XXXX years old and XXXX XXXX is our only income.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  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 2021-02-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Non penalty CD expired on XXXX XXXX with Ally bank. On XXXX XXXX I called the bank and requested wire transfer because they dropped my interest to 0.5 % which I do not agree with. Wanted to transfer to my other bank which is paying 1.5 % interest. In fact I called twice verified the transfer bank advised everything ok it was before cut off day. 
Next day XX/XX/2021 nothing happened then I called 3 times to verify that everything ok.I called before wire cut off time. They advise will be wired out no other information need it. Then Monday received email that needs copy of driver license. I sent copy and called again. No wire has been sent out. 
I think the bank willfully withholding my money. It is unfair and illegal conduct and causing me to lose money such as lower interest they pay and other investment opportunities

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 2019-08-20
Company: Experian Information Solutions Inc.
State: ID
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; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed 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 2020-10-29
Company: WELLS FARGO & COMPANY
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 have an inquiry and an account from Wells Fargo on my credit reports. I never applied for anything with Wells Fargo. I reached out several times to get the account removed and the inquiry removed. All they did was keep placing me on hold, transferring me back and forth to different departments and different representatives, and also hung up the phone on me several times. I AM FILING THIS COMPLAINT AND WILL CONTINUE TO CALL UNTIL THIS IS RESOLVED

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 2018-09-18
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX  as a result of not being my debt. The account balance of the debt is {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: ALLY FINANCIAL 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 information incorrect

Complaint:
Ally financial is the company were having problems with Ally financial is reporting to the credit bureau for my wife and I that we were 30 days late on our XXXX XXXX and 30 days late on a XXXX XXXX when I called financial I told them that I have two letters from my credit union stating that this was a error of theirs. The air was that my wife and I have automatic bill pay and there was a glitch in their bill pay system which calls the payments to be late to Ally financial I have spent six months trying to get this problem resolved I have been told that this was going to be taken off my credit report then they said it wasn't going to be taken off the credit report I have faxed six sets of this letter as they requested in the still no avail Their customer service is been very poor and in accurate it seems like the left hand doesn't know what the right hand is doing since this was not an error of my wife and I and I provided documentation and proof that it was not our fault we've asked them to remove these derogatory comments off of our credit report which are hurting my wife and I 's credit score. I happened like two numerous times and have been treated like a third class citizen for something that we didn't take part in our credit report is good but it has taken a beating for a credit score I really need your help in trying to straighten this out because we are at wits end now

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 2020-11-20
Company: EQUIFAX, 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:
I was never known as XXXX XXXX. Thats my uncle. You may have mixed-up my file and all my other family members account are on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: ID
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 and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Experian and XXXX have not.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed 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 2020-10-29
Company: SYNCHRONY FINANCIAL
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I bought a piece of exercise equipment from XXXX over the phone. I choose to do the payment option route. This was all done and set up over the phone to take the loan from Synchrony bank. The original amount was {$1600.00} plus tax. I have been paying this through the automatic payment that was setup for me over the phone taking money out of my bank account for the past 20 or so months now. The payment per month was {$55.00}. I was not receiving any statement for these payments. To check the status I was able to gain access to my online account to check the balance. To my surprise the amount I owed was almost the initial principal of the load at {$1500.00}. I was hit with a over {$750.00} fee for missing the promotional period that was 18 month. I was under the impression this was set from 24 months an to be paid off before the time. After looking at the statements today which you can find attached the interest rate was set at 29.99 %. To me this seems like it was created in hope I miss the promotional period.

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 2019-08-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/19applied online through experian, XXXX, and XXXX XXXX to freeze my credit report.  For an unknown (possibly technical) reason, I was not able to complete the online applications.  For experian specifically, I froze my account by phone, after online attempts were unsuccessful.  The last prompt from these credit companies stated that a PIN would be sent to me through the mail.  More than 2 weeks later, I have not received any PIN, correspondence, explanation, or any kind of communication from these 3 companies.  Freezing ones credit should not be a long drawn out process.  If a consumer is freezing their credit, it is pretty important and should be addressed in a reasonable amount of time.    If there was identity theft involved, I think 2 weeks is too long to wait to protect my information.  Where is my PIN?  Are my accounts truly frozen? Who knows.  These credit companies don't protect my information, and should be held accountable, more so than a pathetic $XXXX payout (hush-money) or 10-yr credit monitoring.

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 2018-02-28
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX   XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX  and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX  until we had time to verify debt. Received harassing call from XXXX 2 hours later about debt. 

Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX  XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every year I request through the Annual Credit Report site and Experian never give me access to it. I tried calling the company but cannot get a live person. I have mailed documents to Experian as they request on the website but never mailed the report .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The below accounts are keeping me from refinancing my home, and many other things I am trying to do, these accounts do not belong to me and I have tried very hard to get these companies to fix this on my report because it is not mine, but they haven't removed this inaccurate information as of yet. 

XXXX XXXX Opened XX/XX/XXXX {$680.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Account # XXXX UNSECURED XXXX   XXXX Opened XX/XX/XXXX Balance {$500.00} Account # XXXX XXXX COLLECTION AGEN Opened XX/XX/XXXX Balance {$380.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX UNSECURED COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX Account # XXXX XXXX/XXXX   Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm attempting to connect my PNC account to my XXXX  account, and PNC is denying the connection and disallowing it to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, 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:
All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from Genesis Debt Collection. XXXX XXXX XXXX placed the collection on XX/XX/20 for {$280.00} with no explanation. I never used XXXX XXXX Services. I tried to call the company but the company has a voicemail saying no debt collection will not be discussed on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) $ ( 6,600 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) XXXX  ( Original Creditor : XXXX XXXX ) ( 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 2020-05-26
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 belongs to someone else

Complaint:
I am Victim of Identity Theft. This Account does not belongs to me. 
I did Not give anyone Consent to open this Account. 
this Account, That is on this Report is Fraud

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