BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Fraud check was deposited and bank authorization was given to pay these individuals even though I told them it was a fraudulent check. They blame me for the deposit and sending the crooks XXXX dollars

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 2020-07-16
Company: Fidelity National Information Services, Inc. (FNIS)
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: Public record information inaccurate

Complaint:
I have never been evicted out of any place I have lived. I have an eviction on my Chexsystems report. Also it has two public records and I only have 1 bankruptcy.

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 2019-11-05
Company: EQUIFAX, INC.
State: CT
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:
A loan account with XXXX is reported as sold to XXXX XXXX aka XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX  replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
The account that was open with NORDSTROM CARD SERVICES has the incorrect name, phone number, email address and address. Also the credit card was open online I have contact Nordstrom notifying this is due to identity theft. I have filed a second law enforcement report with XXXX XXXX police department with the information provided. 
I have provided Nordstrom with the correct information Name, address, phone number and email. That is how they were able to provide this information they provided that it did not belong to me. Since all the information they have is incorrect and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
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:
On Sunday XX/XX/XXXX I received a text message from Berkshire Bank asking me to authorize transactions to my account. These were not me, so I quickly replied and said no. I then receive a call from Berkshire Bank asking once again to authorize the four transactions, all that I said no, I don't authorize. They closed my debit card and I thought it was settled. Today, the XXXX of XXXX, I notice all transactions were posted to my account, even though I did not authorize them. 

I call the bank and they tell me " well once it's authorize, all we can do is dispute it. '' even though I did NOT authorize TWO different times. So now I am out {$400.00} because the bank let these transactions get posted. My money was stolen by a hacker and now it's stolen by the bank. I am beyond livid with how this was handled. I have been a customer of this bank for nearly a decade and I feel completely robbed and unprotected. What is the point of their fraud service if they're going to take my money for the next 90 days? I'm disgusted with Berkshire Bank and their way of handling this situation. 

The amounts were : {$100.00}, {$73.00}, {$53.00}, {$50.00}, and {$100.00}, all to XXXX XXXX. It's obvious my account was hacked and used to purchase XXXX  video games. This is {$400.00} of MY money and I want it 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 monetary relief
Consumer complaint received 2021-04-08
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, I was currently buying XXXX currencies on the binance XXXX XXXX app and experienced some problems with my banks which binance labeled as chargebacks. 

I settled the chargebacks in my account about 4-6 weeks ago by adding the missing money but currently my account is still locked and all trading has been disabled. 

Ive been trying to reach out and fix the problem for 3 months since the chargebacks occurred but have received no response. 

Need help to resolve this issue with them XXXX soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am filing a complaint with CFPB today regarding the Toyota Motor Credit/Toyota Financial and all of the revolving entities surrounding my auto loan separately, but they have all dropped the ball. I have had an auto loan with Toyota Financial for 3 years. Throughout the loan I have had a few medical issues that resulted in loss of hours at work. I have continuously asked Toyota Financial for assistance with lowering my payments after being denied refinancing assistance by my back XXXX XXXX back in 2021 when I first purchased my XXXX  XXXX. I have been unable to get any assistance from the customer service representatives that work there and have been offered a call back from supervisors with no return call. I have requested a lower payment option or information of where to go on almost every call I have made which is at least once a month for 3 years when I make my payment 's. This absurdly high car payment is a financial strain but i continue to make payments. There is no reason that I should not be able to take advantage of a deferred payment option which i have been denied as well. I have been a customer for 3 years faithfully and am seeking any advice or assistance that will allow me not to totally ruin my credit as that is the road I am headed. I do not believe that there is nothing that can be done as far as assisting with a lower auto payment. I am not asking for a handout I don't mind paying, and I am only requesting a lower payment which will make my loan longer and that is ok. I have not been able to get my vehicle refinanced due to the slow payment or late payments that I have made so this is my last option. Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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: Information belongs to someone else

Complaint:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2023-02-03
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-11
Company: Experian Information Solutions 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:
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 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 2023-05-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: SUNTRUST BANKS, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was alerted by SunTrust Mortgage - during the time the ex-wife was applying for a mortgage modification that their was what appeared to be forged signature. 

Apparently a fraud investigation was opened up - but I did not hear a word about it. When going back to the VP of security - I'm now being told that I need too call back and " re-open '' this. 

It feels as through SunTrust does not take fraud very seriously.

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 2019-11-05
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX DIVERSIFIED CONSULTANTS , inc amount {$620.00} this is not our legal debt?? 
this belongs too our son and daughter in laws apparntly, my wife signed via usps for package too go on internet school this laptop was never returned to XXXX XXXX no was child ever enrolled in the internet school!!!! 
DIVERSIFIED CONSULTANTS , INC DEBT # XXXX XXXX XXXX XXXX, TX,XXXX XXXX WE TRIED TO TALK ABOUT THIS TOO THERE CUSTOMER SERVICE THEY WOULD NOT LISTEN TOO LOGIC??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Public record information inaccurate

Complaint:
I have disputed the public record of Bankruptcy XXXX  XXXX that is reported on my credit report. 

The address, name, social and date of birth affiliated with this public record is not accurate. 

My first dispute came back as verified but I was not given proof of how this was verified. 

The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). 

I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. 

Ultimately, this is a violation of the FCRA regulations and laws. 

1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 

2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. 

3. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
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: Old information reappears or never goes away

Complaint:
I have requested multiple times to get my consumer statement deleted from my Equifax report and it still has not been removed. My consumer statement reads " PLEASE REMOVE REMARKS FROM MY XXXX ACCOUNT STATING " CONSUMER DISPUTES THIS ACCOUNT INFORMATION '' I would like it REMOVED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Nelnet, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: GREAT LAKES
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: Account information incorrect

Complaint:
On XX/XX/XXXX, Great Lakes posted to my XXXX  report that my loan balance " increased by {$70.00} '' and it adversely impacted my credit score. My statement shows a payment made and not clearly identified as to which date the payment was processed in XXXX. It shows my correct payment of XXXX, principal payment of XXXX, and interest payment of XXXX. I called to inquire why they are erroneously posting negative information to my reports, on XX/XX/2019 and all they ever claim is " interest accrues every day. '' They do not know how to answer any questions and I held for over 15 minutes waiting for a supervisor who never came onto the call. They believe this statement explains all of their extensive errors, it does not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation