BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
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: Account status incorrect

Complaint:
Loan was forgiven and removed in XXXX now its new as counts open saying XXXX all are incorrect there was never any late payment history Ive lost XXXX  points in 3 DAYS from Equifax they say its verified but hasnt produced and proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Genesis FS Card Services, Inc.
State: CA
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:
I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX2023 and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
XXXX XXXX opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Aldous & Associates, PLLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I called XXXX XXXX, stated I will not continue the membership or to pay, due to high risk of the covid-19 pandemic during my XXXX, I will not be using the membership started months prior to covid-19 pandemic. XXXX informed me I needed to come in person to cancel. I refused, due to being XXXX  and not risking health during pandemic ; reiterated I won't be able to come in due to health risks for my unborn child, which is why I am cancelling. Now, in XXXX, received a letter for a debt collection by Aldous and Associates, I contacted by phone call but was informed they won't accept disputes and i needed a written letter to cancel years ago, which is not what was stated when canceling back in XXXX. I am not paying or continuing membership, I informed them before they continue to charge me in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking and savings account they accused me that I committed fraud and I did not do anything then they told me they were going to close both accounts under there decision and I was very

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 2023-03-06
Company: EQUIFAX, INC.
State: GA
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:
I was a victim in the Equifax security breach in which they were ordered to settle with those impacted. I have despite this not being my fault and yet affecting me in a major and negative way Equifax has the nerve to continue to delete my submittal for a lump sum payment. I have entered all the months and hours per month in which I feel I have been trying to regain my identity and life back. How is it legal for the to state you can get up to XXXX in a lump sum if you can prove you were trying to resolve how you were affected by a breach we weren't even aware of until recently? So now we have to go back to XXXX and proceed forward to look for receipts and calculate mileage we didn't even know we would need in the time frame of XXXX in order for us to be compensated for what was done to us. This world is insane. The proof should be when you enter your last name and last 7 of your social and it states you were impacted you should get your XXXX tax free with no hassle. However, I took the time more than once to enter in all the months and hours I feel I worked on trying to resolve this issue with the credit bureaus and provided a legal, honest and logical explanation of why it is insane for them to ask people they violated to provide evidence we didn't know we would need, all so they don't have to pay out in a lawsuit. So despite me having a file number when I enter it in the system to search now nothing comes up. So legally Equifax is ordered by law to pay the victims, comes up with a bogus way to determine how much they will pay, and then deletes your case number so you can't check the status of your claim so they don't have to pay you at all. This world is full of crooks in positions of authority and that is disgusting. I will not file that breach form again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit accounts and collection account currently listed and showing on my Experian and XXXX credit report is showing an incorrect balance on the account : XXXX XXXX XXXX XXXX {$760.00}, XXXX XXXX XXXX XXXX  XXXX, {$130.00}, and XXXX XXXX XXXX XXXX  XXXX, {$370.00}. XXXX XXXX XXXX XXXXXXXX, {$360.00}. The accounts are all paid in full. The following credit inquiries listed on my Experian and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF HAWAII CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a bank account at Bank Of Hawaii. On XX/XX/ someone fradualently wired our of my account {$5.00}. As soon as I found out I contacted the bank. They will not talk to me and will not give me any information what happened on my account. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020, an XXXX account was opened due to " Identity Theft ''. This account does not belong to me. This account is now showing on my credit report as " Paid and Closed ''.

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 2023-02-28
Company: CITIBANK, N.A.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Today, XX/XX/2023, I logged in to THE HOME DEPOT services account to make a payment on my bill. I authorized a payment of {$250.00} on their website. At approx. XXXX XXXX  today ( Central Time ), I was checking my emails and found a message from Home Depot at XXXX XXXX  which indicated {$6100.00} had been submitted for withdrawal from my account by EFT. I did not authorize that amount. I have a XXXX XXXX and can not constantly check my email and was quite surprised this had occurred. When I found out, my bank had closed in-office banking hours and unable to stop the payment. I called Home Depot services # on the back of my credit card and the lady tried to help but because it was after their business hours in New York and I was out of luck. The withdrawal is scheduled for tomorrow XXXX  and these transactions usually show up in my account around XXXX XXXX  ( CT ) -- before my bank XXXX XXXX Bank ( routing # XXXX ) opens.

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 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I made a payment of {$72.00} to my Kohl 's card and at that time I set up {$50.00} reoccurring payments as I have on all my credit cards. At the time I set up the recurring payments I only had a {$69.00} balance. On XX/XX/XXXX I was hospitalized with XXXX and stayed in the hospital 5 days. During my time at the hospital my Kohl 's payment came due. However, Kohl 's never deducted the funds from my bank account. 
I stayed off work sick for approximately a month, on XX/XX/XXXX I received a bill from Kohl 's for {$140.00} and when I looked at my statements, I realized the auto pay never processed. I immediately called Kohl 's and paid the balance in full. However, the payment was over 30 days delinquent because Kohl 's system did not automatically deduct my payments as requested. 
Kohl 's then reported my delinquency to the credit bureau. Upon further review of my statements I realized that Kohl 's not only reported my delinquency they charged me {$73.00} in fees which was more than my balance, due to their system not honoring my request for auto payment. 
I called Kohl 's and spoke with one of their agents and requested they remove the 30 day delinquency from my credit bureau and they declined to due so. 
I would like for Kohl 's to remove the derogatory credit delinquency from all three of my credit bureau 's. I'm willing to take the monetary loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife handled all of our bill paying up until she XXXX  last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), Midland Credit Management XXXX XXXX Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts on my credit report. The accounts in question are listed below and I have included their associated account numbers : XXXX XXXX ( late payment account ) XXXX XXXX XXXXXXXX ( late payment account ) XXXX  XXXX ( late payment account ) XXXX XXXX  XXXX XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX  XXXX  XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX XXXX XXXX charge off account ) XXXX  XXXX XXXX  XXXX ( charge off account ) XXXX  XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX  XXXX  XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX  XXXX ( charge off account ) I am disputing these accounts because I believe they contain inaccurate and/or incomplete information. These errors are negatively affecting my credit score and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am helping a family with a home loan and the lender that we are working with ran my credit report. The next day ( This morning ) i have received over 30 unsolicited calls from various lenders. One of them told me that equifax shared this info as I ran my credit yesterday. I did not authorize anyone to contact me and this harassment continues as I am getting non-stop calls. This needs to stop immediately. These credit reporting agencies have no business sharing my cell phone and contact info with lenders without my explicit permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 


XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3800.00}

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Nothing really they decided just to close my account. They owe me money. They did send me a {$120.00} check thinking that would solve the problem. But no that's not good enough.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Despite providing direct proof of payment in full for multiple loans via XXXX, my credit reports were updated to " Information is current and accurate '' which is false. Here is more proof of payoff in full PDFs that are pulled directly from XXXX. In addition, one of my XXXX accounts was sent to collections ( XXXX XXXX ) and it was paid in full as well. The reference number for that payoff and date are as follows ; Confirmation XXXX, Date XX/XX/2023. None of the info included has been reflected on my credit reports and continues to be 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 2023-03-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a car loan with Well Fargo and the interest rate was higher than I noticed even having a great credit score i was paying {$250.00} monthly. when the car was bought off the lot, I believe it was {$13000.00} but when it was all said and done, I feel like I paid way too much. I put {$2500.00} down and still took a while to pay down the interest.

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 2023-02-19
Company: EQUIFAX, INC.
State: NY
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:
saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: FC HoldCo LLC
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:
The creditor charged off and closed the account in XX/XX/XXXX. The company continues to report an increase in the balance and that the account charged off each month. The company increased the balance reporting XXXX, XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX. The company is accessing my credit report for no legitimate business purposes. The account has been disputed with the major credit bureaus, however, the inaccurate information remains on my report. I continue to get alerts that the balance on the account has increased, and that the account is past due. The status is reported as charged off/closed on the credit report. The company is acting in an unfair and illegal manner by continuing to access my credit report after the charge-off/closure of account. The customer service representative for the company stated the account was in an accelerated pay-off status in their view. I have reported to the three major credit bureaus about the abuse. The company has been permitted to access my personal information repeatedly.

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 2023-03-07
Company: EQUIFAX, INC.
State: LA
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Remitly, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 I sent money to my girl in XXXX, she has not receive the money with was meant to arrive for his sisters birthday on XX/XX/XXXX which is a problem because the money has already left my bank, so what happened to the money I sent? Where is my money? The receipt I have says that is its processing but its been over a week and this transfer is still up in the air. No one has reached out to me and told me why my money is in the air. This is very unprofessional and time consuming, Im not satisfied at all with this service

Company response to consumer: Closed with explanation