BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
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: Their investigation did not fix an error on your report

Complaint:
these people should be prosecuted and put in jail for what they do to people. 
I HAVE NEVER BEEN LATE NEVER MISSED A PAYMENT ON ALL OF MY 6 CREDIT CARDS AND CAR PAYMENT! I DO NOT HAVE ANY COLLECTIONS BUT MY SCORE IS NOW XXXX THIS IS WHY PEOPLE GET THESE CREDIT CARDS AND CREDIT AND DO NOT PAY, BECAUSE EVEN IF YOU PAY ON TIME OVER WHAT YOU ARE REQUIRED THEY KEEP YOUR SCORE LOW I HAVE HAD IT AND I AM SUEING THEM THIS IS REDICULUS, SO IF THEY CAN NOT KEEP YOUR SCORE LOW BY YEARS OF FALUSE MEDICAL BILLS THEN ITS INQUIRES NOW THEY ARE GOING AFTER USE WHY WOULD I GET A CREDIT CARD NOT TO USE IT? 
THIS IS ALL A SCAM FOR YEARS THEY PUT FALSE MEDICAL BILLS ON MY CREDIT THAT KEPT ME FROM BUYING A HOUSE CARS EVERYTHING THEY WOULD TAKE THEM OFF THEN ANOTHER COLLECTION AGENCY AFTER 7 YEARS WOULD SUPPOSEDLY GET IT AND PUT IT ON AGAIN AND AFTER YEARS OF FIGHTING TO GET THESE FRAUDULENT CHARGES OFF I COMPLAIN BECAUSE THEY PUT FRAUDULENT INQUIRIES ON MY REPORT NOW THEY ARE TRYING TO GET ME BACK FOR USING THE CREDIT I WAS GIVEN BECAUSE AFTER GETTING A CREDIT CARD IF YOU USE IT YOUR SCORE IS LOWERED WHAT KIND OF SCAM IS THIS NOW? why would you get credit not to use it these are all just scams that have to be stopped these people need to be put in prison

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dates are to many to document as my account was frozen more times than I can recall with no valid reason why. They do not release checks deposited in a timely manner, and in fact refuse to cash checks from XXXXXXXX XXXX ( business account of employer ). Failure to send replacement debit cards in a timely manner. 

This has been an ongoing issue for the past year or so and I can not seem to get any help from the banks customer service team. In addition, there is a lack of consistency in answers. I become so frustrated I gave up trying but this has caused some major issues with paying bills in a timely manner. 

I am in the process if searching for a new bank

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 2022-09-24
Company: Credit Karma, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
So I am filing this complaint due to credit karma telling me I had been offered credit that I was pre approved then not approving me when I sign up. In XX/XX/XXXX and XX/XX/XXXX I have tried it 4 times because it told me I was pre approved for different cards at XXXX XXXX XXXX XXXX and each time it lowered my score. As a consumer trying to extend my credit I am owed monitory remedy for the monitory damage for being wrongfully inflicted and lied to. If I wassnt pre approved then I wouldnt have applied for the credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime bank asked me to prove my identity, I provided the proper documentation and was told my account was closed and they would send a refund after I provide the last 4 digits of my social and I did. They then said that they would send a check. Days later they said that they would not refund my XXXX XXXX This is after several months of going back and forth and being told they were sending a check to the address on file.I spoke with several different customer service reps and was told different things and was lied to.They closed my account with no explanation and took XXXX $ from me and cost me my apartment I'm now homeless because of Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-15
Company: Experian Information Solutions 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 first 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 XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$930.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported 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 2022-09-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello Dear CFPB I am writing to get assistance about my Apple Card by Goldman Sachs. I was customer with them since XX/XX/2019 and today i got email they are closing my account and the reason was : '' There was a failure to comply with the terms of the Customer Agreement ''. This is 100 % false statement and has nothing to do with facts and reality. In Past 3 years being customer with Apple Card by Goldman Sachs i never had any issues not single issues. Never been late or went over limit or return check or any shape or form abused the card / NOTHING. My XXXX Score is Flawless, My Annual income is above average US Cardholders and in fact just recently my Credit Card limit was increased by {$6000.00} from {$25.00} to {$31.00}. 

My main concern is that by closing this account it will show in my credit bureaus that it was closed by credit grantor and my other creditors will follow same route and will close all my other account by assuming i have done something wrong. Please assist me to review and reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit harasses me by calling 2-4 times a day every day. I block their number and they just obtain new numbers to call me with. The debt they are trying to collect is over 10 years old. They call on weekends before XXXX and sometimes call 2-3 times in a row within seconds. That is harrasment and it is bothersome to my work day. I have pictures of call logs and of their calls and am considering legal action for harrasment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a loan modification packet from Wells Fargo Americas Servicing Company for the Home Affordable Modification Program. On XX/XX/2013, I uploaded the requested documents to their Borrower Portal. I uploaded the additional documents requested on XX/XX/2013. I submitted all documents before each deadline. However, my case was closed because Wells Fargo stated they didnt receive them. So, on XX/XX/2013, I resubmitted all the documents requested and asked that they reset up my modification request, per their instructions. Throughout the process, I had to fax and upload the same documents multiple times. Additionally, on XX/XX/2013, and again in XX/XX/2013, I received the same packet with different due dates. On XX/XX/2013, my loan modification request was denied. After receiving a letter from them stating they would begin foreclosure proceedings if my mortgage wasnt current by XX/XX/2013, I signed a deed in lieu of foreclosure. Sometime later, a Forensic Mortgage Analysis found violations in connection with my mortgage loan.

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 2022-07-04
Company: EQUIFAX, 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:
It has been a battle going through this and I am submitting this complaint to delete the fraudulent items in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the invalid name XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Their investigation did not fix an error on your report

Complaint:
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California District Bankruptcy Court XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX XXXX : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX XXXX : US BKPT CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX Experian : XXXX, date filed XX/XX/2013, reference # XXXX See attachment

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 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-09-24
Company: Eastern Account Systems of Connecticut, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Sent a certified letter to the Eastern Account Debt collection agency on XX/XX/XXXX asking for validation of contract I have with Eastern Account according to the Fair Debt Collection Act and FCRA and any information Eastern Account has on file with my signature to validate the debt of XXXX dollars is my debt that is listed on my credit report. 

The debt collection agency has not responded to my request of asking for information. In fact it was updated on XX/XX/XXXX on the credit reports again as late payments. I can not be late on account that I do not have a contract with. I asked Eastern Account to provide contract with a signature or remove the debt on my credit reports from the two credit reports. 
( XXXX and XXXX ) Additionally, the Debt account is being reported differently on 2 different credit reports with different with different account numbers. 

I understand my rights and this is defamation, negligent enablement of identity fraud. I plan to pursue my rights by any means until this is resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit Report from Experian lists the same bad debt twice. Once from the original creditor who sold it to a collections agency and the same debt from the collections agency the debt was sold to. I believe it is illegal to report bad debt when a company sells it to another company who is already reporting it. I filed a complaint yesterday with Experian who did not remove it and won't allow me to file another complaint regarding the same issue.

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 2022-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
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:
I've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. 
See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has never been my account! I am unfamiliar with this account. I have never entered into a contract using this account. Because this account is not mine, I should not be held responsible for 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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. 
See attached.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Disputed twice with company yo being ignored. Called every one of these inquiries to which told no info on me and contact agency reporting. 
Attached is last letter sent.

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 2022-09-24
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation