BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. I reported the theft of my identity to the federal trade commissions and i have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

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 2015-07-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo is refusing to respond to theft and remove a hold on accounts. {$100000.00} plus is missing from the account through wire transfers, forged checks, on-line bill pay, credit card and XXXX XXXX XXXX cashed at Wells Fargo XXXX location. Also, checks from Credit cards and other banks were cashed through Wells Fargo XXXX location.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid all of my medical debt off in full. There are XXXX accounts still open on my credit report with a balance of {$87.00} due.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Received a credit report from Experian showing " XXXX SERIOUS DELINQUENCY '' & " XXXX LEVEL OF DELINQUENCY ON ACCOUNTS '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Experian credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.

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 2016-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian : Unauthorized hard pulls = XXXX of XXXX, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX via XXXX XXXX multiple hard inquires to Experian - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?

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 2020-03-12
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX billed me for services I didnt receive. I closed an account when we moved in XX/XX/2018. XXXX  billed  for a month after the move stating that I didnt call in time before the new billing period. I did call and then called again when I didnt get the box to return the equipment. They claim that was the date I cancelled my service. I asked for a copy of the recorded call 5 different times and told it would be reviewed and I would be contacted. I never heard anything until I applied for a mortgage it showed on my credit report. The collection agency cant help me and XXXX just states the matter has been referred to a collection agency. I tried disputing it but they claim its valid. This is wrong!!! Ive always paid my bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Equifax has a wrong last name on my reports also : it suppose to be XXXX not XXXX were it says INFO Provided in this report includes info reported under the name ( s ) thanks XXXX XXXX XXXX Finally got report from them XX/XX/XXXX thanks :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX GA XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Contacted all of these companies and neither of the companies recognize my name or ssn as anyone who has applied for anything. Spoken with Equifax and they have refused to remove it even after calling multiple times and advising of the error. I have had a freeze on my account since XX/XX/2021 and the Equifax has allowed companies to check credit without any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Security National Automotive Acceptance
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 've been having several issues with SNAAC which is the company I 'm financing my vehicle through. On XXXX XXXX my vehicle got ceased because I was behind on a payment due to a tornado ripping through XXXX Georgia so I had to pay for repairs on my vehicle. Before I knew my vehicle was getting repo 'd I did schedule XXXX payments off {$400.00} and my recurring payment of {$330.00}. Later on that evening they took my vehicle and I contacted SNAAC to see what all I 'd have to do in order to get it back. They were like, you 'll get an email. Did n't receive any thing until a couple of days later. Payments were made and my account was back in good standing but still had difficulties on their customer service support side. They were all rude and unprofessional. I 'm in the XXXX and the last thing I need is to be without a vehicle. On the XXXX of XXXX I received my vehicle back paying a total of {$430.00} in towing fees and storage I guess. Today, XXXX XXXX, I get an official letter from SNAAC which is a " NOTICE OF OUR PLAN TO SELL PROPERTY '' letter with my vehicle id number and information. There 's a box checked off which states " WE WILL SELL THE VEHICLE AT A PRIVATE SALE SOMETIME AFTER 10 DAYS FROM XXXX/XXXX/2016. ASALE COULD INCLUDE A LEASE OR LICENSE. '' Not understanding why this is happening 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 2016-09-26
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian refuses to let me obtain my paid credit disclosure online. On XXXX XXXX and again on the XXXX, I attempted to purchase my Experian disclosure online for {$12.00}. Although I entered precise, accurate identifying information and the address as exactly written on my previous Experian reports, Experian refused to let me complete the purchase online. Instead, they try to force me to call an automated number which can not accommodate hearing XXXX. I also do not wish to obtain my reports via mail as it takes too long and also it 's onerous to scan my XXXX report to save in PDF format. Obtaining it online allows quick conversion into PDF. Experian does this to force me to pay them over {$30.00} for a different online version which they do conveniently allow me to purchase online. I believe Experian refuses online access as a means to generate additional revenue when forced to buy the {$30.00} version.

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 2021-01-03
Company: Netspend Corporation
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Netspend is not automatically approving the deposit of stimulus checks and is holding onto them and not releasing the funds. While not releasing the funds to the consumer, they are also charging the accounts fees. So I was charged a {$5.00} account fee for XX/XX/2020, even though there was no actual money in the account. I did not receive an email or text from them, but saw an article about stimulus checks going out. Logged into their website and saw my account was - {$5.00} and this message. 

Pending ACH Dear XXXX, The ACH deposit for your Netspend account is pending and we require additional information in order to process it. Please contact XXXX before XXXX CST on XX/XX/2020. If we do not hear from you within the specified timeframe, we will send your ACH deposit back to the originating bank. 

Thank you and we appreciate your business. 

Sincerely, EFT Processing Department

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 2016-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I have some state tax liens on my Experian credit report that need to be removed. I contacted franchise tax board in order to remove these from credit file, I was told I need to contact the credit bureau in order to remove these liens. So I contacted the Experian to dispute the errors, after I received the dispute result, I noticed the errors are still there and they are refusing to remove them from my credit file. This has caused hardship to me. Thank you for your 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 explanation
Consumer complaint received 2021-01-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I called the debt collection wakefield & associates many Times since XXXX and XX/XX/2020, I was asking to mail ME my debt writing paper/Bills but until now I still have Not recieve it I called them almost everywerk to requests Bills paper but I never recieve anything. I am more Than willing to pay what I owe but for my own protection and Record I would like to recieve a Bills but How can I pay a debt that I never see?? Never receieve Call, Bills or anything I only found Out thru checking my credit report. I Dont Know what to do Im planning to buy House but MY credit score affecting My and my life. Please Help ME Out by the way they say I owed {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Every year I get trouble to order my free credit report from Experian After I input my name, date of birth, social security number and address I 'm getting this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 

XXXX, GA XXXX And this is a common issue I see with people online on forum. 
I tried and asked other friends to try and they get similar error. 
I wish all credit bureaus would make this process more smoother.

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 2016-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The employer address on my credit report is wrong. My employer, XXXX, is not located on XXXX in XXXX. The correct address for XXXX is XXXX, CA 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 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For The Past 2 to 3 Months, TRANSUNION, Has " INSISTED '' On Showing a Balance Of {$190.00}, On My XXXX Credit Card # XXXX XXXX XXXX XXXX. Expiration Date Of XX/XX/22. This Account Has Been Paid Off For Over a Month. Which In Turn, Lowers My Credit Score. On XXXX XXXX, I Filed Several Disputes. I Even Filed a Dispute, With TRANSUNION Directly. All Of My Credit Cards, Are Paid Off, Except For One, Which The Payments Are Up To Date. TRANSUNION Has a Problem, With Keeping, My Credit Report, Accurate. This Is Not The Only Incident, That TRANSUNION Has Given Me Trouble With. They Hate To Raise, My Credit Score.

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 2016-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Can not dispute online Will not do a re-investigation of accounts that have been disputed before

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 2016-03-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I rented my house out and the people that rented it put me down as the owner but I never signed a papers and when the renters moved out they owed XXXX and the alarm called me and wanted me to pay it.

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 2016-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
WELL I BEING TRYING TO REMOVE THIS ACCOUNT FOR THE LAST 4 MONTS FROM THE CREDIT BUREAU AND ALSO FROM THE CREDITOR, EXPLANING ALL MY INFORMATION WITH COPY OF MY SS AND MI ID CARD SO THEY CAN KNOW THAT THIS ACCOUNT IS NOT MY BUT THIS ACCOUNT STILL IN MY REPORT UP TO DATE.

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 2021-01-03
Company: Experian Information Solutions Inc.
State: OR
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:
Experian has no credit score for me and it's stopping me from a loan or anything they have same info as the other agencies and they both have scores for me I need this fixed

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 2021-01-03
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:
I have had numerous problems with XXXX XXXX. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX 2020 mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XX/XX/2020. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.

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 2016-10-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had a dispute for XXXX and they will not give me my money back. I had repairs done on a vehicle and the vehicle was not repaired correctly. I could not reach the merchant due to them being sick. He also was XXXX and spoke very little English and was not aware on how to send a credit once i was able to reach them, after the dispute was already submitted. The merchant did not dispute the charge and did not respond to the banks request for additional info. Instead of giving me my money back like all other banks do, they asked for a third party letter from another mechanic showing what should have been done on car and was n't done. I then got the letter from another mechanic and sent to them. they then said we need a receipt from merchant and then provided that, now they are saying that I have no case cause it took more than 120 days to get all info in. Which makes no sense since they would ask for additional info after every letter I sent, and have not sent a letter from a third party mechanic and a receipt and they still have denied my claim. so now im out the car and my XXXX, the car was not operable after all these repairs that totaled over XXXX all together, which the other charges were all refunded from other banks I used, but citibank is the only one that will not give me my XXXX back ... please 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 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have reached out to all credit bureaus and mailed them all the necessary paperwork in addition I have added screenshots to prove the inconsistencies. Please remove these per US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citi gold checking account on XXXX 2016 in that I received the offer for " get XXXX Thank you points by opening citi gold checking account and make 2 qualify bill pay activity ''. I opened the required checking account and made required bill payments. However, when I call them again in XXXX and the citi bank customer service said I was not qualify for this promotion. Nevertheless, when I called in to open the account with the promotion, the customer service representative did not say I disqualify the offer. Now they refuse to give me the points.

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