BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
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: Personal information incorrect

Complaint:
After many attempts and going back and forth with the condescending and negative attitudes with various EQUIFAX agents and dispute department reps on the phone, especially when requesting to speak with a supervisor, manager or United States agent. On several occasions I made calls to their recorded line and uploads were made to update and/or for this account to be adjusted and removed to it's inaccuracies that are causing irreparable injuries to myself and business partners. EQUIFAX simply does not care about real issues that effect and harm real people. Uploaded is a FICO report that clearly shows said inaccuracies being reported and EQUIFAX 's reluctancy to rectify their error ( s ) and harmful practices. There were also documents sent to their CEO to settle and address these issues as well as requests/demands made for proofs authority and equitable interest in said Estate. I am still currently awaiting a response for those request/demands and expect a default to ultimately happen in the near future. To this day I am currently being continuously denied for any " loans '' or " Loan programs and I as well as my partners are currently in the midst of losing a lot of capital caused by their actions and reporting inaccurate information to cause these injuries. It's illegal and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Real Time Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving calls from various XXXX area codes numbers asking me to call Real Time Resolutions at XXXX, a debt collector. Since I do not have any accounts or bills that are delinquent, no debt collector should be calling me. I have asked them to remove my number and to stop calling me but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i have tried to link my account to both XXXX and also a lender that would automatically deposit the amount requested if I link my bank account. 
The screen that I receive says that PNC BANK has made changes to my account that prevents me from linking the account. I personally have not requested any changes to be made to my account that would not authorize linking my account to other applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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: Old information reappears or never goes away

Complaint:
1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took place XX/XX/2021XXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A merchant accidentally took out 2 payments instead of just 1. Both payments caused my funds to be extremely low. I called the merchant to reverse payment and they said it was going to take 3-5 business days for them to review the issue. I needed the money immediately because that was all I had and Im a XXXX  XXXX. So I called Wells Fargo customer service line and the banker issued a stop payment since it was still processing according to the Wells Fargo app. There was a {$31.00} stop payment fee. The banker told me I could get my {$31.00} back as soon as the merchant review my payment. I called the merchant back 6 days later and they said there was an stop payment issued and everything was good to go. So I called the Wells Fargo customer service number again and the Banker told me that I couldnt get the full {$31.00} refund but that I could only get back {$23.00} as a courtesy because the automated system takes my account activity and relationship into consideration when issuing my waiver. Also, she told me that she did not have the option of refunding all my money. Even though clearly it was a merchant error, Wells Fargo still took my money that I was supposed to get back.

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 2020-08-20
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regional Acceptance has placed negative information on all of my credit reports without any notice to me. I have sent them a validation letter via Certified USPS mail and have proof they have received it. I have asked them to validate this unsubstantiated claim. 

Also under the Fair Debt Collectio Act, this item needs to be REMOVED while a dispute is under investigation, and if validation and items requested in the validation letter are not provided then Regional Accep [ tance needs to permanently remove this reporting from all 3 credit bureaus. 

Regional Acceptance has hundreds of complaints against their collection practices online.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 following account does not belong to me nor should it be reporting to my credit file. I'm demanding that this unauthorized and unknown account be removed and blocked from my credit file. 

1 ) XXXX XXXX {$300.00}

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 2021-07-10
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 status incorrect

Complaint:
To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against XXXX XXXX and XXXX  for allowing someone to open credit card accounts under my name at an illegal age to do so along with Equifax for reporting accounts that were opened illegally while I was underage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Williams & Fudge, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt that I was not aware of because I never received any letters or correspondence from the company was placed on file with the credit bureau giving a date of XX/XX/2018. Even if the debt was valid, which I'm disputing since I have not received any information on it, it would not be from XXXX of 2018. The only reason I found this debt was because I check my credit regularly. This caused my credit to decrease by almost 50 points. Since I have no information about this debt prior to this I do not believe it is valid. I also have not been in school 4 years so even if it was a valid debt which again I am disputing it would be from years ago not XXXX of 2018. This company is trying to make it seem as though I have a new debt which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX shows a late payment in XX/XX/2011 that is incorrect.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXXXXXX shows a late payment in XX/XX/2011 that is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank is in the practice of attaching fraudulent transactions to one 's account then converting that transaction into a NSF transaction without showing what payment it was attached to. If you will take notice in the attached file : Page 1 which was generated around XX/XX/2021 - XXXX XXXX. There was never a XXXX XXXX in my account. On page 8 you will see a XXXX purchase debt, not a bill. If you will take a look at page 16 there is a payment to the account by XXXX XXXX and they have it listed as a return ; then they therefore attaches the purchase authorization debit on this same page to appear that that was to cover the XXXX XXXX Return. This {$35.00}, a day or two later showed up as NSF fee and I called to get understanding as to what it was attached to and they stated it was attached to the XXXX XXXX Payment of {$110.00}. That {$35.00} was refunded back to my account. As you can see on page 17, in the attachment, there is a {$35.00} overdraft paid, but it does not show what was returned. On page 18 : the XXXX Authorization should be XXXX verifying my account. The Visa XXXX should be XXXX verifying my account. The XXXX Temporary Hold is a fraudulent misrepresentation of facts and I have spoken to the bank concerning these fraudulent activities. The XXXX Authorization should not be there, I made that payment on the XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-10-13
Company: WELLS FARGO & COMPANY
State: CA
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:
Hi, good afternoon, I have original open a dispute with Wells Fargo Bank on XX/XX/XXXX under claim numbers # XXXX & XXXX. no purchase Intl Authorization on XXXX XXXX XXXX , original I made my vacation reservation with XXXX for my plan vacation I was the charge for the rental car for XXXX . I have my email for XXXX with my original reservation for my travel plans. according to WellsFargo, the did not open my claim dispute until XX/XX/XXXX or it was not assig to a representative to work on my claim until then. According to their guidelines, the have 10 business days to open the dispute and review the information the original dispute was done online on XX/XX/XXXX. according to Wells Fargo, it was open XX/XX/XXXX according to them they notified visa the merchant they have by law 45 days for XXXX to respond regarding the issue. XXXX respond on XX/XX/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 2021-07-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Commenity Bank I have for XXXX XXXX XXXX  and others. They were great then the virus hit. They mark on credit report late payments all year ( workforce was shut down ) so I began paying again. Asked the fix credit was turned down. I payed my XXXX XXXX off they turned around and closed it due to lack of use. HELLO no stores opened last year. Customer Service calls 3 times a day sometimes past XXXX ET for a payment. Just got off the phone with some guy telling me he wants to take me to court because I paid {$40.00} and not full amount Seriously this is totally harassing customers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was added to an account without my knowledge, consent or permission. My husband added me as a user on his account. US Bank added me as a co-owner. I had no knowledge of this and have been trying to have my name removed from the line of secured credit as it adversely affects my credit.

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 2020-10-13
Company: Rate Plus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the refinance process for my home on XX/XX/2020 with XXXX XXXX, XXXX licensed by the California Dept. of Financial protection and Innovation ( Formerly Dept. of Business Oversight, LICENSE # XXXX / NMLS # XXXX ). the loan officer was XXXX XXXX XXXX XXXX # XXXX ). I turned all needed docs. on the same day ( XX/XX/2020 ). 

loan amount was {$400000.00}, i was quoted for 2.625 %, 30 years fixed. XXXX told me the loan will be closed between XX/XX/2020 to XX/XX/2020, since it is easy loan ; refinance no cash out and paying only one lender. 

Rate Plus advertise on their website that they are closing their loans within 25 days!! 

On XX/XX/2020, i received an email from XXXX stating that the loan was approved and they needed my last paystub and last bank statement. I emailed him and loan processor XXXX XXXX all docs. the same day. XXXX told me that my cloan will be closed by XX/XX/2020. 

on XX/XX/2020, i received an email from XXXX stating that they will NOT refinance my loan, because i refinanced beforewith Owning Corporation. " I have an update on your file. The company has issued an announcement that we will not be refinancing any loans that was refinanced by Owning. From the feedback that we are receiving from incoming customers, Owning has been instructing their customers to call their competitors i.e. Rateplus just so that they are able to offer another refinance after funding has occurred. Our Capital Markets Director has been receiving a large bulk of payoff statements from Owning on loans we have just closed which is why they made the announcement. If you have any additional questions please feel free to reach out at your earliest convenience at XXXX XXXX XXXX. Best regards ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$21000.00}, {$2100.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

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 2018-11-21
Company: BANK OF THE WEST
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
False Advertising and Bait and Switch by Bank of the West. 

On or about XX/XX/2018, my husband and I applied for a home equity line of credit. We were told that, as a line of credit, it can be used for any purpose now or in the future. I informed the loan agent that the purpose of the line of credit is to pay off my solar debts for my house and for my daughter 's house which is around {$80000.00}. I was quoted an interest rate for a {$100000.00} line of credit and a lower interest rate for a {$150000.00} line of credit. I told the loan agent that I was interested in the lower interest rate and, therefore, started the paperwork for a {$150000.00} line of credit. 

On XX/XX/2018, I received an email from XXXX XXXX stating that we were approved for the {$150000.00} line of credit to pay off the solar debts and my car loan. I emailed back stating that the interest rate of my car loan is less than 1 % and that it would not make any sense to pay it off at an interest rate of over 5 % and that the condition they are imposing is unreasonable. I was told that unless I pay off my car loan with the money from the equity line of credit, then they are only approving a {$100000.00} line of credit at a higher interest rate. 

A line of credit is a preset amount of money that a bank or credit union agrees to lend the borrower. The borrower draws from the line of credit WHEN NEEDED up to the maximum amount. Interest is on the amount borrowed. Bank of the West is falsely advertising this offer as a line of credit. It is not a line of credit when the borrower is forced to use the money for a purpose that is not needed and then threatens borrower with a penalty of a higher interest rate if the condition is not met. Bank of the West wants to switch the loan to a higher interest rate to get more profit.

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