BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: Experian Information Solutions 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:
Team CFPB, I have four ( 4 ) accounts with XXXX XXXX and have been a " paid never late '' customer for 12 years. XXXX  XXXX is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points. 

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with XXXX Bank in XXXX. I have paid on time and in full every month. XXXX and XXXX have updated monthly accordingly. Equifax has not updated my account information or payment history ever. Not one time has it been updated. I e reached out to XXXX bank and told them the issues they said its correct but its not. I filed a dispute to have my information updated but it just comes back verified when its not. I showed them proof of my history but they still say everything is accurate when its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: The Best Service Co.,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:
I file a fraud report back in 2016 with the county of XXXX Police department and submitted to all the creditor that it affected. But the information is still showing on my credit report and XXXX  XXXX XXXX sold the account to a debit collector and now I have both of them reporting the debit to 3 credit agencies.

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 2022-03-02
Company: WELLS FARGO & COMPANY
State: NC
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:
On XX/XX/2022 I filed a complaint about Wells Fargo violating the Fair Credit Reporting Act. They are reporting a XXXX XXXX XXXX derogatory account under my social security number. I have repeatedly tried to have them correct this error to no avail. They are claiming they can't verify my identity as if my social security number, name, and date of birth isn't enough. 

They are in blatant violation of my consumer rights, and I am demanding they rectify this issue. I'm attaching a copy of my credit report, showing the listing of this account on my credit. As well as my government issued social security card, and my state issued Driver 's license.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment.

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 2020-02-16
Company: Experian Information Solutions Inc.
State: OR
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:
On XX/XX/XXXX I paid off an installment loan with XXXX. After paying off the loan they placed it as a charge off on my credit report. I contacted XXXX and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and XXXX has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation

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 2020-02-16
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/XXXX I paid off an installment loan with XXXX. After paying off the loan they placed it as a charge off on my credit report. I contacted XXXX and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and XXXX has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/XXXX I paid off an installment loan with XXXX. After paying off the loan they placed it as a charge off on my credit report. I contacted XXXX and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and XXXX  has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation

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 2022-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: TN
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:
Remove the fraudulent accounts from my credit report

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 2020-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone stole my identity and withdrew all the money in my account and wrote bad checks and cashed them witch left me with a negative balance. When I found out a lot of transactions that were made that wasnt from me was happening I called the bank and told them what was wrong and they went over which transactions that I was stating that I did not make and they pulled them up. Bank rep tells me theyll open up an investigation and I had nothing to worry about and these things happen all the time and that they will freeze the account and told me to open a new account so I can put my money in a new safe account ... weeks go by and suddenly I go to deposit my checks I. The account and the very next day I go to check my account all my funds were gone and I called the bank and they said that they had taken all the funds because I owe the bank money cause the frozen account was negative and that the freeze on the account was taken off cause the investigation was done and the had came to believe that I had made all the transactions myself and not someone else ... Ive asked them how they can let this happen, how can they allow someone pretending to be me go inside their office and withdrawal such large sums of money and clearing it so fast and how they did not catch the sudden change of account activity in this short of a time that does not match my normal transaction activities. Their response were they dont know and every question I asked them I was told they dont have a answer to the questions and theres nothing they can do about it and theres no one else I can speak to to resolve the situation. Representative told me I can not recover the money that was taken from me and I still owe them more money and that I have to setup payment arrangements with collections. Makes no sense to me how the bank who I trusted and banked with over 20 years can have me believe and reassured me that they will look into the situation and That I would get my hard working money back would turn around and accuse me of being a criminal. Me being a victim of fraud or ID theft to being a criminal does not fit me well. Shame on XXXX  XXXX  XXXX for treating their loyal customers like criminals. I was tricked by the bank to open a new account and deposit my checks and that it would be safe.for the bank to just abuse my trust and just go into my account and just take all the money I had just deposited. Theres not just one thief that stole from me but two!!!  which first is a criminal and second is 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 monetary relief
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a business account that was opened in XXXX, closed in XXXX, then erroneously began reporting on my credit as of XXXX even though I am not the business owner for this account nor have any responsibility. Ive requested it be removed from my credit report numerous times to TransUnion and XXXX XXXX. Neither has provided any justification why this account is being reported on my credit report, however they have not removed the account either. Please have TransUnion and XXXX XXXX to appropriately remove this account from my credit report immediately as this is currently in violation of my rights per Fair Credit Reporting Act.

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 2022-08-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The following was paid out as a purchase on paypal. Unfortunately, I didnt realize until I reached out to them today that it was a personal purchase and was not a business. I was scammed off instagram and can not remember the account name. 

XXXX XXXXMoney Sent " XXXX '' - {$130.00} Repeat this transaction Your recipient should have the money by XX/XX/2022. 

Repeat this transaction Paid with ( JPMORGAN CHASE BANK XXXX ) {$130.00} Your backup is XXXX XXXX Transaction ID XXXX Contact info XXXX Note XXXX Details Sent to {$120.00} Fee {$4.00} Total {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # 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 2020-02-16
Company: Experian Information Solutions 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:
Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # 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 2020-02-16
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:
Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: BANK OF AMERICA, 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:
I have closed this account, repeatedly, I've e-mailed, called, even went into the branch and spoke to a person and was assured the account was closed, and yet it still shows up as open.

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 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of an wire fraud scam during the closing on my families new home. An scammer had spoofed the email of an employee of the XXXX XXXX ( XXXX XXXX XXXX ) and informed me that I needed to wire my closing funds for my new home due to CORONA with modified wiring instructions of the title co. 

I wired my funds to an Capital One. The Bank slipped up and informed me that the account was marked fraudulent and that all they would tell me. My bank XXXX has tried to get them the reverse the funds but they will not. 

I thought it was up to the bank to verify if their is any fraud involved when someone is try to open an account My News Story : XXXX XXXX   XXXX Scammers account info : Routing : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Nelnet, Inc.
State: CA
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:
Loans werent talked through in the process of enrolling in school. XXXX XXXX in the year 2014 did not handle the appropriate steps, signed the student up for loans without informing student appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never given information That I could dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid. I was never contacted I just checked my credit report and found the collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX  card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My daughter, XXXX XXXX, had a checking account with Wells Fargo ( XXXX ). 
She got caught up in an online fraud. Wells Fargo allowed an obviously fraudulent check be deposit into her account for {$1500.00}. Her account never even had {$1500.00} in it and had never even made a {$1500.00} deposit before. While they put this amount into her account, they did flag a subsequent {$1000.00} check. In the meantime, they allowed her to XXXX ( from her Wells Fargo account ) to scam XXXX address. My daughter made a mistake. However, Wells Fargo needs to take ownership that they both processed a bogus check, which allowed the bogus XXXX check and an additional XXXX for {$500.00} to go through. {$1500.00} total.

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 2019-10-19
Company: Experian Information Solutions Inc.
State: IL
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 tried to log into my Experian account and it no longer exists. Then I called MULTIPLE PHONE NUMBERS for Experian and I could NEVER get a live person to talk to. In addition to this, It would supposedly let you freeze your account over the phone and UNFREEZE your account over the phone ... however, that is INACCURATE. It will not let you do that. They are horrible and should be put out of business or held accountable for the mismanagement of the company.

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 2020-02-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my home depot card for almost 8 years. My limit was XXXX. They decrease my limit to {$500.00} and placed a late payment on my credit report. I have never been late on my Bill 's with them. They wont delete it. And it has ruined my score tremendously. Almost 100pts. 
They dont want to help and I am about to purchase a home

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 2017-08-20
Company: Security Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX Phone : XXXX Placed a collection on my credit reports from a debt of {$3600.00} that is not mine and is due to identity theft. I have had a credit lock on my account and reported identity theft so I am not sure how someone managed to take a loan out in my name from crest financial. The original debt is from : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation