BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
I have constantly contacted Transunion regarding accounts on my credit file. XXXX and XXXX XXXX are direct results of fraud and I have given police reports fraud affidavits and all information needs to provide prof yet they are constantly disregarding my Request to Block Unauthorized Charges from Credit Report under FCRA 605B. I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX If the information is not blocked immediately I will be forced to pursue legal action against with Transunion just as the Gadomski v. Trans Union LLC case.

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 2023-01-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had originally filed a complaint in XXXX concerning the way Wells Fargo serviced my loan from XXXX until I lost the home due to foreclosure in XXXX ; my original case # was XXXX. I will explain again, however so many notes were included in my original complaint. My loan # XXXX it was originally financed with XXXX XXXX bank they were purchased by XXXX and they were purchased by Wells Fargo ( XXXX ). 
My original loan was conventional fixed rate loan with interest rate of 8.09 % as noted on the promissory note. As i was seeking a refinance or interest rate reduction, in XXXX XXXX I learned that the loan had almost the same payoff as the amount borrowed ( {$100000.00} vs payoff of {$99000.00} ). As I further investigated, I learned this loan was changed to a home equity loan/interest only loan from the Wells Fargo representative XXXX No principal had been applied to my account from XXXX thru XXXX. My family hired a realestate attorney ( XXXX XXXX XXXX XXXX ) and as they begin to pursue. Wells Fargo could not even locate the original closing documents as requested by attorney. 

I made several attempts to save this house and no agreement was offered by Wells Fargo, as time progressed fees ( that I was asking XXXX to forgive ) as well as my interest be credited back was not considered. 

This loan was mishandled by XXXX as it was originally a 30 year mortgage loan with principal and interest and changed to a home equity /interest only loan without my consent. I had to walk away from this home due to foreclosing procedures and lived in apartments from XXXX until recently when I could apply for FHA mortgage again

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 2023-03-09
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had advertised items for sale and XXXX XXXX accidentally pushed a wrong button and now venmo will not return the guys money to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: MS
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/2020 I mailed a letter requesting verification for inaccurate accounts listed on my credit report. I didn't receive a response so on XX/XX/2020 I mailed another letter. It has been 6 months and these inaccurate accounts are still showing on 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 2018-03-27
Company: JPMORGAN CHASE & CO.
State: IN
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: Other problem getting your report or credit score

Complaint:
Chase Bank Mortgage Co. isn't reporting my house payments for over 6 years. I sent them the reaffirmation documents for my Discharge of Bankruptcy. No one want to take care of my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
ALL FTC VIOLATIONS REPORTED TO THE FTC AND NOW YOU COMPANIES : XXXX  XXXX XXXX XXXX {$610.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks -- XXXX XXXX XXXX {$500.00} Account Details Last ReportedXX/XX/XXXXCollection Agency XX/XX/XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$500.00} High Balance {$500.00} Remarks -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/2 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Deposit Related Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$230.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 39 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$100.00} Highest Balance {$98.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/3 Remarks Fixed rate

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 2019-05-24
Company: Real Time Group, 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: Their investigation did not fix an error on your report

Complaint:
The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. 
BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 NUMEROUS 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  Opened XXXX. XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$75.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2020-07-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$630.00} open balance. Original Creditor XXXX XXXX. I C SYSTEM LAST REPORTED XXXX XX/XX/2020. i NEVER OPEN THIS ACCOUNT ITS NOT 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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, is improperly calculating my FICO Score 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of sufficient credit history 3. Lack of sufficient relevant real estate account information 4. Balances on bankcard or credit card accounts too high compared to credit limits

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 2022-12-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm Upset with Equifax! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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

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 2023-01-10
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022, I applied credit card at XXXX Santander with XXXX XXXX Relationship Banker, I never received the credit card and I reported from the beginning lost it, but the Manager XXXX XXXX said to give it more time for the Credit card and not action was taken over the credit card. I reported not having access to see the account in my mobile app, they said they will call back but never heard back from the Bank. The credit card was supposed to be mail to my address but was received at XXXX XXXX XXXX XXXX NY XXXX that was my old address. XX/XX/XXXX I was able to see the credit card account through my mobile banking and found out that thousands of dollars of fraudulent purchases since XX/XX/2022. I reported XX/XX/XXXX to the main phone number of XXXX Santander the fraud and theft the instructed me to wait for the response. After that, I went to the branch directly many times and case was consecutively closed due to incongruencies, and finally the XXXX XXXX Bank told me that nothing else can be done. During this ordeal I reported to FTC Report # XXXX, put a fraud alert on my credit reports and got the Police Report FRM XXXX - Complaint # XXXX - XXXX XXXX. The bank responded me over the phone in the month of XX/XX/2022 saying that they will re-open the case and will send the response of the investigation but I haven't received it. They didnt follow the credit card lost and stolen procedures to cancel/block the credit card affecting my finances and credit. I got free legal advice from XXXX for XXXX and they sent a dispute letter to the Bank XX/XX/2022 but still we haven't got any response.

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 2020-08-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NATIONAL CREDIT SYSTEM reported to the credit bureaus that I owe a debt that I do not. I never had a balance with XXXX  realty and it was an error. I've contacted National Credit System about this error and they still falsely reported a debt that I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX, XXXX, we took an auto loan offer from a local credit union to finance a certified pre-owned XXXX XXXX car. We also set up an automatic payment from our Wells Fargo checking account to make an ACH payment each month automatically so that our payment would be timely. We thought everything was going fine until both I and my wife each received a delinquent payment reminder from the credit union in the mail on XX/XX/XXXX. As it turns out, we have discovered that our monthly payment is not an ACH transaction but rather a check mailed out by Wells Fargo to XXXX XXXX XXXX XXXX XXXX each month. We were never notified of our payment not being completed by the faster ACH process -- we always thought our payment was an ACH transaction. The reason we thought this was an ACH was because our payment was scheduled for the XXXX of each month and always cleared in our Wells Fargo account within two or three days after the XXXX of the monthlong before the end of the 10 day grace period ( on the XXXX of each month ). 

However, we just learned that Wells Fargo has been instead mailing our payment to the credit union every month instead of doing the understood ACH transaction. 
Furthermore, we find it VERY ODD that our payment was clearing in our Wells Fargo account up to a week or more before the payment was registered at the credit union. 
We couldnt believe it when we found out Wells Fargo deducts the payment, not when the mailed check is cashed by XXXX XXXX XXXX XXXX XXXX but instead on the date it is mailed. This made it appear that our Wells Fargo loan payment was always on time. Is this practice even legal? How can a bank deduct their own check from a customers accounts before the check is even cashed by the payee? Isn't this known as front-running. By doing this, a bank could increase their cash balance sheet by millions of dollars in uncashed payment deposits for a week or more. 
As it turns out, almost every payment that Wells Fargo has been mailing ( not electronically sending ) for the last 3 years has been late and incurring a {$25.00} fee.. Our fees have accumulated to about {$450.00}. 

We depended upon Wells Fargo to transact our payment for us in a timely manner and to be completed before our grace period was over each month. We even had initial phone support with Wells Fargo to set this auto payment up in the beginning to make a timely payment. By our account clearing our monthly payment before the grace period was over, we were misled by Wells Fargo that our payment was being transacted on time. As a result, we have accumulated {$450.00} in fees ( {$25.00} per late payment ) over the 3 years weve had the loan with the credit union.

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Problem with personal statement of dispute

Complaint:
Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the SBA and I received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. 

There has been a warning on my report to not approve such things. 

My credit report with Experian is a complete mess, full of inaccuracies, and they have chosen not to deal with it. 

This is unacceptable. 

Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. 

These entries should and shall be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief