BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4800.00} XXXX XXXX account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$360.00} XXXX Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Local Management, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX. I am filing a formal complaint against Local Finance in XXXX XXXX Georgia. I have been utilizing this company since 2020 I recently renewed my loan at this company in XXXX of this year. I have payed this loan down the amount unknown right now to the amount of c. $ {$250.00}. They informed me that I can renew this loan but when they told me that I can only receive {$40.00}, I became suspicious ; and called the branch manager. I asked her why I was paying a high interest rate despite the fact that I have payed off numerous loans with this company. She then said that she does not know ; and that I have to have 4 loans at the same rate for them to increase my payment from XXXX to XXXX. Also I asked her why my loan is not being reported to the credit bureau. She then said that they have switched over to a different company and that its not being reported because of this reason. After a little time she then said that the reason that the interest is high is because they are a short term lender. I feel that I have been forced into some of the loans that I have taken out. The reason that I say this is because I tried to pay my loan off in entirety and a worker there informed me that she just had someone post off their loan and I need to wait wasnt just pay it when it comes due. Which makes no sense given the fact that its not being reported on my behalf. I need this to be looked into further. If possible to be reimbursed in full if there is any malpractice. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Since XX/XX/XXXX, I Have Been Banking At This Bank And Have Turn Down for A {$3000.00} Loan. Today XXXX XX/XX/XXXX, I Went To Check On The Fees That They Take Out Every Month At {$12.00} Which Came Out To Be {$260.00}. - {$18.00} They Only Gave Me Back. Now When The Bank Changed Every Thing And Gave Up With This Account It Was Said That If I Use My Card XXXX Times A Month NO FEES Would Come Out Of My Account. But That Was Not True.WELLS FARGO BANK

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
After we had signed the closing documents at XXXX XXXX XXXX. We where informed days later that we had to pay an additional {$1800.00}. Ive never heard of owing money outside of close. The realtor also said that they had never heard of owing money outside of close in the 20+ years of selling real estate. 
If close is not a close on real estate how can I be sure that I suddenly wont have more fees to pay? 
I dont think I should have to pay fees outside of close, its totally lost my trust in the real estate closing process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
More than {$24000.00} were wire transferred out of my business checking account. I have been dealing with Wells Fargo since the day it happened. That was on XXXX second. Today XX/XX/XXXX I received a letter from Wells Fargo saying that they can not refund the money to me. There were other 2 fraudulent chqrges one for {$1000.00} and one for {$800.00}.

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 2020-09-26
Company: Experian Information Solutions Inc.
State: FL
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 sent both Experian and XXXX  a dispute letter in regards to some accounts that are reporting incorrectly on my credit report. its been more than 30 days and i have yet to receive any status from them. per the FCRA, they have 30 days to respond or they must delete. i believe that this should be the case now as they have failed to properly investigate and return with a conclusion within the 30 days allowed.

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 2016-12-05
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AMERICOLLECT XXXX ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, 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 2022-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Money was stolen from our Citi Bank checking account without our knowledge. We keep getting told by Citi Bank, the company we are complaining about that there is an unauthorized third party, we are not sure what this means, or why the case keeps getting 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 explanation
Consumer complaint received 2022-08-27
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:
XXXX and Experian violated my rights according 15 U.S.C 1681i ( A ) ( 1 ) ( a ) and 15 U.S.C 1681i ( 5 ) ( D ) they claim to have conducted a proper investigation into my dispute but how is that so if my credit report with both bureaus is still showing the same inaccuracies. I am disputing a charge off account XXXX XXXX XXXX the high credit limits are inaccurate, dates opened are inaccurate, dates last active are inaccurate. XXXX performed an investigation into my dispute and found the inaccuracies and promptly deleted the account off my credit report with their bureau. I asked both XXXX and Experian what process was used to verify the account all it said was account updated. If they performed an automated investigation according to 15 U.S.C 1681i ( 5 ) ( D ) they would have found the information about the inaccuracies processed by XXXX. I am also disputing inquiries put on my XXXX credit report. XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 I was deceived by their pre-approval offer and was not aware hard inquiries would be put on my credit report. Also 15 U.S.C 1681 602 A : states i have the right privacy 15 U.S.C 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
THIS WAS A 2ND MORTGAGE WHICH I HAD FORECLOSED ON XX/XX/XXXX MY LOAN WAS WITH XXXX WHICH THE LOAN WAS SETTLED WITH THEM AND XXXX XXXX  SOMEWHERE ALONG THE LINE XXXX SOLD THE LOAN TO XXXX XXXX XXXX XXXX WHICH IS REPORTING A REVOLVING 30/60 AND 90 DAY LATE PAYMENTS.. THEY ARE TELLING ME I NEED TO CONTACT A LAWYER OR THEY ARE GOING TO FORECLOSE ON THE PROPERTY. I HAVE SENT LETTERS CALLED, EMAILED AND HIRED A CREDIT RESOLUTION COMPANY TO TRY AND GET THIS RESOLVED. THEY KEEP SENDING ME LETTERS WHICH SAY I AM NOT PERSONALLY RESPONSIBLE BUT SAY I HAVE MADE PAYMENTS SO THEY CAN NOT REMOVE THE REPORTING STATUS. I HAVE AT NO TIME MADE ANY PAYMENT TO XXXX XXXX XXXX XXXX. I DO NOT KNOW WHERE THEY ARE GETTING THIS INFORMATION FROM. I AM TRYING TO GET MY LIFE BACK TOGETHER AND PURCHASE A HOME BECAUSE XXXX AND XXXX XXXX  HAVE BEEN REMOVED FROM MY CREDIT REPORT AND I WORKED HARD TO GET MY SCORE BACK UP TO A XXXX AND THIS XXXX LOAN REPORTING IS STOPPING ME FROM GETTING A LOAN NOW WITH THE LIMITED STAFF I CAN NOT EVEN GET THROUGH TO THEM VIA PHONE ANYMORE AND THE REPEATED LETTER THEY SEND IS REPETATIVE. PLEASE HELP ME REMOVE THIS.

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 2016-05-12
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland Credit Management Representatiive, XXXX XXXX at XXXX x XXXX called my home residence phone number and disclosed third party information about my debt ( credit card ) owed. Disclosed total balance due ( XXXX ) amount of the charges. The third party advised her that it was not his bill never heard of the company she represented and she informed him he was responsible for the debt. He advised her he never used any credit card. He asked her for her name and number and she advised she could talk to him and would take legal action if bill wasnt paid. He offered to take a number and and will give the message. He did try to tell the representative that she should not be calling. On XXXX XXXX, 2016 I called the company and spoke to XXXX, XXXX XXXX XXXX XXXX XXXX xand advised of disclosure and put a cease and desist .Got her superior name of XXXX XXXX XXXX She then stated they did not break any laws. I disagreed and advise I will check into my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

The following two accounts that need to be removed are 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 non-monetary relief
Consumer complaint received 2022-05-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I never approved this dealership to run my credit they are scammers and taking advantage of older woman I now have been getting text messages and email from an bank account that I never try to open and Im afraid I am dealing with a criminal that using my details I dont even know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife received a call from " Bank of America '' about a fraudulent attempt to transfer money from our checking account to XXXX XXXX XXXX. The caller had our account number, telephone number, and name. The date was XX/XX/XXXX, XXXX XXXX. Using very persuasive language, the caller prompted my elderly wife to transfer {$3500.00} using XXXX from our checking account to an account with XXXX. Upon learning of this, I suspected fraud and contracted the Bank of America Fraud Division to which they stated this has been a serious ongoing problem with XXXX, XXXX, and others. A XXXX XXXX representative also stated the same. 

We submitted a claim to BOA for {$3500.00}. 

In my opinion, the Bank of America should have stopped the use of this third-party entity for the protection of their clients once they knew of the fraud being perpetrated on their customers. The Internet is full of examples of this happening.

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 2022-08-27
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:
Experian sent me investigation results without supplying accurate original documentation which includes all original contracts between the original creditor and consumer. With original signatures and all original contracts. Experian is clearly violating the FCRA laws put in place. They are not actually doing any investigations its a stalling tactic to get me to give up without deleting the errors which by law should be deleted.

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