BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: MD
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 did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my XXXX XXXX I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much XXXX XXXX, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Sometime in  XXXX , we were very surprised to receive a VISA credit card fr om Wells Fargo in  the mail. We did not request the card, nor did we want it. I kept the cards that were sent, but did n't know what to do about it.     Then  XXXX   XXXX ,  XXXX , we received a letter saying t hat Wells Fargo  was discontinuing t he VISA and Cash  Advance features, and that we would receive replacement cards. These non-VISA cards arrived, and I saved them as well.     As background, we signed up for  the Wells Fargo Financial National Bank Automatic Payment ser vice  XXXX   XXXX ,  XXXX  for {$6800.00}, to purchase a heating and air conditioning unit from  XXXX   XXXX    XXXX   XXXX  . At this time, they sent VISA cards which we did not request, but I ignored them and filed them away.      Wells Fargo  was helpful in resolving a disputed charge with this vendor. This account was paid in full ( I believe in 3 year s ), and we did NOT have any further contact with Wells Fargo.

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 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
My accounts started to act weird and every time I tried to explain to them that a charge that kept reoccurring wasnt mine and they would fix it for the time being and it would happen again the next month. Ever since then I havent been able to keep up with my payments because it keeps charging me for the reoccurring transaction and then comes a interest fee making it even harder.. Then shortly after all this happened, my card was stolen and my account was hacked. I tried to get on and change the password but every time I tried it kept saying error. On XX/XX/2021 was the first time I noticed my account was being hacked. The person tried to pay the account off and use it for their personal needs. The amount for that transaction on Capital One account : Payment : XX/XX/XXXX, XXXX {$2000.00} Returned Payment : XX/XX/XXXX, XXXX {$2000.00} Payment : XX/XX/XXXX, XXXX {$1800.00} & {$120.00} Returned Payment : XX/XX/XXXX, XXXX {$1800.00} & {$120.00} Payment : XX/XX/XXXX, XXXX {$800.00} Returned Payment : XX/XX/XXXX, XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: PNC Bank N.A.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On  X/XX/2017    my parked car was struck by a hit and run vehicle outside my house. I had it towed by  XXXX   XXXX    XXXX    XXXX  because they were on the scene first and offered a {$50.00}  XXXX -mile tow and their facility was only  XXXX  miles away. I went to get the car the next day and somehow the bill had shot up to {$610.00}. I went there again the day after that and after  XXXX  hours of attempting to negotiate that to a fee that was not outrageous I eventually had to pay because they threatened to put a lien on my income and everything I own once it accrues {$2000.00} in storage fees if I just let them keep the car ( it was not worth more than {$700.00} at the time ). Paying with credit card ended up being my only option and it costed an extra {$61.00} so my grand total ended up being {$670.00}.     Naturally, I called PNC 's dispute department as soon as I got home and told them to withhold the charge and I 'll file a dispute. They said they would send out a letter for me to respond with my own letter detailing the events and any evidence. I agreed and waited for the letter to come. Somehow within the next few days, the charge was posted anyway and my request to stop payment was ignored. I moved forward with the dispute assuming that would n't be an issue once I get the chargeback initiated anyway.   Within  2  weeks I got the letter and responded as directed with my written statement.     A month later on  X/XX/2017   , I find out that my dispute has somehow been denied and they are letting the tow company keep the {$670.00} that they wrongfully took.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One Visa/Mastercard administration de nied and Declined my application because of my  XXXX    XXXX   and  XXXX  and Military Veteran status.   Also, because I have a Bankruptcy chapter  XXXX  on my credit report since  XXXX    XXXX   in which  XXXX , Texas  Federal Judge Discharged  on  XXXX    XXXX  .   I am a homeowner in  XXXX , Texas and have a  XXXX   XXXX  income of {$ XXXX } @ month with a  2  percent raise every year on  XXXX   XXXX .   I provide evidence to Capital One on financial status and I still was declined and Denied because of my  National Origin  as a   XXXX   XXXX    XXXX  and military Veteran.   This is a Discrimination and Retaliation against  XXXX  Military Veterans and a Federal Violations against my  ADA Disability Act  Civil Rights.   Notice : l will send decline response fro m Capital One cred it card administration by email ... Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX ,  XXXX  I filed a complaint with the BBB and CFPD agains t NCB Management services, Inc. I n their response to my complaint they stated they would send validation of the debt owed. They have not done so. All they have done was state they would send the required information. I am requesting the original contract, complete financial transaction history, and a copy of the letter they stated was sent in  XXXX   XXXX ,  XXXX . With out this information in a timely manne r. NCB Management serv ice is deliberately violating Fair Credit Reporting Ac t, 15 U.S.C & 1681. Under that  act all unverified accounts must be deleted. Without validation of this debt and continue reporting to the  XXXX  credit bureaus, will result in me seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The following debt is not mine and was reported on XX/XX/XXXX XXXX XXXX  credit bureau. I have advised representatives with IQ Data International not responsible nor live as roommate.

The IQ debt collectors continue contact through harassing communication tactics and although request stop calling continue to call and report falsified information to credit bureaus. Upon my research found this debt has history of unfair practices, discrimination and deceitful practices to later evict the responsible party ( reported XX/XX/XXXX vCFPB compliant ) I am experiencing harassment, repeated calls during work hours telling to call police on person for identity theft, use of deceitful communication/reporting tactics. 

In addition, per research to contact found Creditor-XXXX XXXX, XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX ( attached ) IQ DATA INTERNATIONAL Original creditor : XXXX XXXX MD ( incorrect ) {$11000.00} Balance updated XX/XX/XXXX Account info Account name IQ DATA INTERNATIONAL Account number - ( XXXX ) XXXX Original creditor XXXX  XXXX  MD ( incorrect ) Company sold - Account type Collection Department / Agency / Attorney Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original amount {$10000.00} Paid off 0 % Monthly payment - Past due amount {$11000.00} Terms 1 Month Responsibility Joint Account ( incorrect ) Your statement - Contact info Address PXXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019 I send a Letter to Santander Bank requesting all accounts associated with my social security number XXXX be closed and all monies be send to my current address. I enclosed a mortgage statement as proof of address. 
I am dissappointd because the Santander Bank refuse to close my account. I was told to go to a local branch. There are no branches where I am currently residing. 
I am XXXX years old and feel like I am experiencing elder abuse ; because the Santander Bank has denied me access to my account via ATM cards ; but has it open so they can benefit from direct deposits into my account.

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 2022-09-15
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2017-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a GA tax lien on my credit report sinc e  X/2011  in  the amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies.  (   XXXX , Experian and  XXXX   ) but has not been done.The GA State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court said  they do not also. I tried to pull my name up on     XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.     This is affecting m y credit score signifi cantly and I desperately need help getting this 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
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I had a GA tax lien on my credit report since   X/2011  in th e amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies . (   XXXX ,  XXXX  and TransUnion  ) b ut has not been done.The GA  State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court s aid they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting m y credit score s ignificantly and I desperately need help getting this 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
Consumer complaint received 2021-12-09
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last week I picked up my phone and and Credit Management was on the other line informing me of a debt owed, It was for a charge out of Texas ( I live in Michigan ). It was for a charge that was in collections from a XXXX XXXX that was opened online with my name and SS #, I called put in a dispute and opened a file number. Yesterday, I received another call from Credit Management indicating that there was another charge from XXXX XXXX for {$1800.00}. They gave me account numbers, addresses of the residence and I have reported all to the police in TX. I am leery of credit management because how did they get my number if another number was associated on this fraud account? I am dispute of all charges and have put a freeze on my accounts and notified the proper parties of identity fraud. These have not hit my credit report but this company calls me daily. I understand my name is on the dark web and I am trying to secure my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been approved for a short sale  XXXX   XXXX ,  2017 and th e documents were submitted for approval but the offer was rejected and the listing contract had expired I submitted a third party authorization and changed real estate agents and submitted a higher offer. In the meantime the SS bank negotiator was aware of the change of the agent and new buyer and the documents were not submitted to get approved and he stated this morning that we were out of time. I do not want to loose my home to foreclosure when there is a sale on the table and active file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  is using deceptive practices & extortion against me. I requested that a late payment be removed from my acct because of THEIR fraudulent reporting. None of what is required by law was done before reporting derogatory information on my report. XXXX XXXX is knowingly breaking the law after my first complaint with no regard to me in our fiduciary relationship. XXXX XXXX has then threatened to close my cards, saying that they dont understand my complaint, which worded simply and plain. They also refused to respond to me through the cfpb which is the median I reached out to them through. I have done all of the verifying that is required by law. I am being bullied and attacked & this is causing me stress and 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 2020-10-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have XXXX  XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX   XXXX and fix the error and got a confirmation letter from XXXX XXXX which I sent copy of the letter to all three credit bureaus twice since XX/XX/2020, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have student loans that my mother cosigned for. They intercept my tax refund every year although I have been paying $  XXXX  / mon th also. I have not been able to pay this year but they did receive over {$1000.00} from my refund. My mother ( who cosigned ) is elderly and on SS. I am currently unemployed due to no transportation  (  very rural area ). We live together and between the  XXXX  of us (  XXXX  separate cell phones ) they call a minimum of 15 times daily. They use many different numbers. This is Transworld Systems Inc. The lady  XXXX  was abusive verbally to me when I answered several months ago. They 've been relentless since at least  XXXX . We are 100 % fed up with so many calls every day. I will not put up with being told I am a " burden on my mother '' and " need to get a job '' again. I 'm currently unable to make any payment but the ones I have add up to over $  XXXX  /month. This  company needs to stop their bullying and harrassment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-04-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Have continually disputed incorrect information about  XXXX    XXXX   XXXX    XXXX  's on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.

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 2021-12-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XXXX XXXX in XXXX and the XXXX XXXX XXXX XXXX XXXXt and the Towing Companies did not inform me where my car was impounded. I thought it was stolen while it was parked in front of the home I was living at on XXXX XXXX and XXXX

Company response to consumer: Closed with explanation