BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
in hopes this claim and its facts are not overlooked, on or around XX/XX/XXXX WELLS FARGO did allow my sister to join my account to hers without my knowledge nor ssa XXXX. on or around XX/XX/XXXX i called the excutive of accounts at wells fargo, after giving her my information she then researched and told me that the account ending in XXXX and ending inXXXX my sister XXXX XXXX had joined her account to mine, and it was put in the way that i was her beneficirary, infact my account was for me a beneficrary of ssa XXXX, and i changed payess on XX/XX/XXXX she i was told closed the account and the money was hers. now according to ssa the account always was and until now is my direct deposit acount, i was given a routing number for direct deposit XXXX, and even the treasury department can verify that, it is not a regular routing number as its claimed to be by XXXX XXXX. thus when she closed the joined account the lady told me that was it, that was XXXX money. and i needed to talk to her or ssa. i cant talk to my sister, and reported her for taking my money as well as wells fargo for allowing this to happen without my consent. as i am cometent and can sign my name, nor have i any guardian as thier new by laws stipulate that is the only way it can be done. 
i lost according to ssa which my later uploads will prove over 60,0004 that since XX/XX/XXXX wasnt even able to see on my account ending in XXXX and also i do not know how i got so many accounts, this violates my rights and the law as well. i was very amazed that wells fargo has tried to denie with white copies that these accounts dont or did exist, then show the transfers between said accounts. nor would ccf over look this, now today i will upload pdfs downloaded by fargo, and they will have the certifacions on them. i do not alledge or claim, i state these facts are real and authentic, and be aware i have filed claims with all oigs involved. it amazed me that such an esteemed finacial instution used such weak tatics, and also that ccf over looked my evidence., so if you look at each file i uploaded you will see that i speak the truth, and there has been an injustice done. but if you dont and just forward to the bank and let them decide, thats a violation of your own code of conduct.added note there are three ssi payments i cant find that was paid in XX/XX/XXXX, and none but XXXX dolaars i saw on my accounts, ssa crime and fugitive divison is looking into this matter as well

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 2022-09-02
Company: Southern Management Systems Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a cosigner on a lease for an international student for an apartment. He paid his rent diligently until he had a medical issue and had to be repatriated back to his home country. The school contacted the apartment management at the time, and his lease was terminated without fault. I found this debt on my credit report two years after the above events and have been trying to get it removed. I never received a bill or any attempt to collect the supposed debt. When I contacted the apartment complex management, they informed me that the property was sold to new management and they do not have any records of the previous arrangements I am describing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX. I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies

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 2022-09-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am closing on a home and I requested from Toyota a good status letter on Friday, XX/XX/2022 and was told I would receive it in 24 hours. I called Monday, XX/XX/2022 and was told that it take 24 to 48 hours and I should receive it by the end of day. I called again on XX/XX/2022 and was told by two customer service reps that they are escalating my matter and I will have the document by the close of business on Tuesday. I called again on XX/XX/2022 and was told that the form filled out was blank and they will submit a new request and have my document ready. I called again XX/XX/XXXX and XXXX and as of now still nothing. I had to move my closing date because of the inefficiencies of XXXX and I still not have received my good standing letter as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem getting your free annual credit report

Complaint:
TRANSUNION is violating my rights under the FCRA. Pursuant to the FCRA I am to be given a free credit report upon demand. As you can see, TRANSUNION denied me access to my credit report, violating my federally protected rights.

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 2022-03-07
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 pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-09-02
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:
To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 

The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. Balance should be XXXX. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 

The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. Balance should be XXXX. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, 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 2017-09-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Equifax data breach on XXXX/XXXX/XXXX released my data to unknown people and putting my personal information in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: CITIBANK, N.A.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Please refer to the previous complaints for reference : XXXX, XXXX and XXXX I agreed to a settlement with the collections agency that Citibank told me was handling my loan ( XXXX XXXX ) after my cosigner 's bankruptcy ended. I received a letter from XXXX XXXX stating that my loan would be satisfied if I payed the amount agreed upon by XX/XX/XXXX. I mailed in a check on XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX with my check that I mailed enclosed. The letter said that the account is no longer active in their office so they could not apply my payment. It said to call if I had any questions, so I called and as soon as I mentioned " student loan '' the agent on the phone said " oh, we were just told to direct your call to the original lender. I do n't know if the contract with them ended or what. '' I called Citibank immediately after and explained the situation. The agent on the phone told me that he could not find any record of my loan in the system and suggested that if it 's on my credit report then I should just dispute it and they will remove it from the report. He explained to me that they sold all of their student loans to other lenders back in XX/XX/XXXX. I explained more and told him I had this exact conversation with them back in XX/XX/XXXX and it was n't until I submitted a complaint on this website that I was told that they were still servicing my loan but it was in collections. And that I was told by XXXX XXXX that Citibank sent out letters to lenders by mistake stating that they transferred loans to them when in fact they did n't ( see previous complaints for more info ). He still claimed that they do not have my loan. I asked him to send that to me in writing and he said he could n't because I do n't have a loan with them. I asked him again to send me a letter stating that I do n't have a loan with them and he again said he ca n't because I do n't have a loan with them. He eventually said he would need to investigate further to see what happened and said he would get back to me by XX/XX/XXXX at the latest. I still have n't heard back. I checked my credit report and this loan is reported on two of the reports as " closed '' " serious delinquency '' " negative '' " transferred '' " deferred '' and I disputed them. 

I 've taken many steps to set this straight with Citibank, but they continue to give me the run around. I have been an excellent borrower to every creditor that I 've been involved with and I do n't deserve this kind of treatment. Citibank is a scam and it seems to me like they are trying to cover something up. PLEASE INVESTIGATE THEM!

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 2022-09-02
Company: OCEANSIDE MORTGAGE COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I did a forbearance from XX/XX/XXXX XXXX XXXX for Covid-related matters All dates of communication are listed below. 
Oceanside Mortgage Loan XXXX. XXXX Nearing the end of my forbearance. Oceanside reach out to me because I was then just starting a new job. I advised that I would go into my IRA and bring my mortgage current. The person I spoke with was adamant that no dont do that we will work with you on Loss mitigation and I told them I dont want youll try to take my house, I advised this server Al times and was promised no that is not what we will do. About a month later I received a letter from an attorney stating there was a foreclosure started on my home. I called Oceanside again and advised I ask them specifically because I did not want a foreclosure to lose my home. I asked why several times why would youll tell me no we will not do that and did it anyway costing me an additional XXXX XXXXXXXX in attorneys fees. I feel wronged in so many ways that I tried to avoid unnecessary fees and they went behind my back to file the foreclosure again which I tried to avoid. I had a XXXX in XXXX and I can not complete complicated paperwork and I told that lady that also. 
Loss mitigation XX/XX/XXXX foreclosure was closed XX/XX/XXXX start of the approval XXXX was advised no notes are on my account during XX/XX/XXXX LOSS mid XXXX LOSS mid XXXX Loss mid XXXX inbound XX/XX/XXXX inbound XXXX inbound XX/XX/XXXX inbound XX/XX/XXXX outbound XX/XX/XXXX outbound XXXX outbound XXXX outbound did not make through to me XX/XX/XXXX same as above XX/XX/XXXX inbound All the above dates are in XXXX I would like my fee back and yes I have been back on track paying early and extra each month as I advised earlier when all this started. Please help I feel discriminated against and wronged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: FL
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:
The credit bureau never did a proper " investigation '' according to the FCRA The item investigated consumer reporting means a consumer report portion thereof in which information on a consumer 's, chapter general, reputation personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associate associate of the consumer on or with others with whom he is acquainted or who may ha knowledge concerning any such items of information, They did not do this Also, they have violated my rights even more. 

In according with the fair credit report Act Everything has to be 100 % accurate on my credit report which is not. 
They also violated the law because according to 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 furniture and account without my written instructions. 

I did not give anybody written instruction XXXX XXXXXXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: CHECK INTO CASH INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
First, it shows that I go by two different names. My name is XXXX XXXX. Not XXXXXXXX XXXX. I 've never gone by that name, never heard of it, never made it an alias name. Second, one of the addresses listed not only is out of my state, but I 've never even been there before, let alone lived there. Thirdly, I have never had an account with # 1 check into cash XXXX XXXX XXXX XXXX XXXX TN XXXX or with # 2 XXXX XXXX XXXX XXXX XXXX, fl XXXX. I 'm very worried someone is going around saying she is me under the alias of XXXXXXXX XXXX. In fact I know it. The address XXXX XXXX XXXX XXXX XXXX, in XXXX I 've never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When my loans were transferred from XXXX to Mohela the history of my past payments were not transferred. I am on the Income Based Repayment Plan, and I need all of the past payments I have made to count so that I can eventually reach the total amount of qualifying payments. A photo of the limited payment history that Mohela is showing is attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CrossCountry Mortgage LLC
State: MD
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 XXXX  a term regarding HELOC and sent the link with a definition to my husband. Somehow, a lender contacted my husband trying to make a sale. My husband stated " let me talk to my wife '' and ended the call. This lender, sent information to my husband regarding options and ran both of our credits on XX/XX/22. 

I have never spoken to this gentleman to give him permission and my husband did not give permission either. 

The persons name was XXXX XXXX ( Loan Officer ) with Cross Country Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT REC SOL is claiming that I owe them {$80.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: LA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: TX
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for apple credit card & have been denied over n over for the same reason which makes zero sense? The denial letter reads to many obligations with balances? I only have one credit card with a balance & perfect payment record outstanding never late on any of my cards 19 accounts in total all with zero balance! Only one card with a {$2500.00} balance. Im attaching my balances to all my accounts for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: EQUIFAX, 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:
In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with the CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and Equifax Consumer Services LLC ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipulate that data furnishers ( i.e., XXXX ) must report the following identifying information : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ), Address, Full Social Security Number, and Date of Birth ( mmddyyyy ) in association with a tax lien. If any of the above identifying information is missing in association with said tax lien it must be excluded from the consumers credit report. Equifax shall adhere to the new reporting standards outlined in the NCAP ( National Consumer Assistance Plan ) and remove tax lien case number XXXX from the consumers credit file effective immediately.

Company response to consumer: Closed with explanation