BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi, I contacted Everbank to have my CD from XXXX XXXX to be transfered to their bank ( EverBank ). 

My CD came to maturity on XX/XX/XXXX. All the forms required by Ever Bank was done and sent to the bank .I was in contact with XXXX XXXX at Ever bank that assure me that all forms had been sent to XXXX XXXX on XX/XX/XXXX Ever Bank CD rate at 1.75 % Today XX/XX/XXXX I received a notice from XXXX XXXX telling me they had renewed my CD at 1.26 % for 2 years. I was in a state of shock. 

I called Ever Bank and talk with XXXX that assure me again she had sent all my papers to XXXX XXXX, and that the XXXX bank had not responded to them yet, so I told her about my notice from XXXX XXXX, and that they had renewed my CD. She then proceeded to tell me that I should have contacted XXXX XXXX to see if they had send my money to their bank. So I asked her why she did not follow up on this, since she was doing the transaction and that my CD came to maturity on XX/XX/XXXX. She told me she did not know about my maturity date, I told her I had done business with many banks in the past and that transaction is usually between the the banks, and if I was supposed to check on that transaction she should I have told me. 

I called the complaints service at Ever Bank and told them my story. They told me they had sent my transfer forms for my money at XXXX XXXX at my address. I asked them why sending it to me, and beside that I never received them. If I had received those transfered forms by mistake I would have called them and send it back to the Bank. 

Is there anything that can be done.??? without loosing money, since XXXX renewed my CD. 

thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
See all the complaints associated with my name. They all are the same and will continue until justice is served. 

Wells Fargo committed fraud against me. Wells Fargo continue to respond to my complaints with fraud. First it was XXXX XXXX, and now XXXX XXXX Who will respond next and allow themselves to be conspiracies of fraud. See the attached documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau XXXX Your response to case number : XXXX is fraudulent. It was total ignorance on my part to think Wells Fargo would respond with honesty, standing by the myth of trying to make things right from violations that occurred by Wells Fargo. The repossession was not deemed valid. The repossession was from an error Wells Fargo made. See attached documentation that came from Wells Fargo dated XX/XX/XXXX. 
You applied unnecessary XXXX insurance on my file from XXXX XXXX  XXXX XXXX XXXX  XXXX, according to these documents you provided. The late admission of guilt excluded me from receiving compensation with the class action lawsuit, Case # XXXX. 
Respond to the illegal acts Wells Fargo committed against me which now has a case # XXXX ( XXXX ) Stop breaking down XXXX insurance, negating the fact that Wells Fargo made countless errors on my file and continue to cover it up. Show proof that Wells Fargo acted in accordance to the XXXX XXXX XXXX. 
Address why Wells Fargo agrees to pay the additional {$28000.00} offered through mediation. The {$28000.00} doesnt reference that due to non-payment and the account being 102 days past due. Why offer an additional {$28000.00} on top of {$5600.00} if Wells Fargo didnt make a mistake? 
Stop your fraudulent behavior. Were is your code of ethics? 

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 2022-04-01
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$6000.00} and limit of {$5000.00} ; account number partially listed - XXXX, dates not listed,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On or around XX/XX/2022, consumer ( applicant ) acted in good faith and completed a credit application for an accepted credit card via CAPITAL ONE. Capital One ran my credit card and obtained a consumer report from. Based on information found in my consumer report, CAPITAL ONE denied my credit application. Based on the Equal Credit Opportunity Act, an applicant shall not be discriminated against because the applicant in good faith exercised any right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.     1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX   XXXX   XXXX   XXXX   XXXX   ) ( O PENED DATE  XXXX / XXXX / 2016  )

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 2017-06-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.       1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX /   2016  )  2  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX /   2016  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: PA
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 or before XX/XX/XXXX and XX/XX/XXXX respectively, I sent dispute letters to Experian, XXXX  and XXXX requesting verifiable proof ( an original Consumer Contract with my Signature on it ) in accordance to the Fair Credit Reporting Act, Section 609 ( a ( ( 1 ) ( A ). Information on my credit report does not belong to me and the credit agency did not remove the accounts from my credit report. The credit report agencies has not verified or removed questionable accounts on my credit report. This is causing me stress, high interest rates, and loss in employment opportunities. And opportunity to obtain a mortgage loan to move into a save community to raise my daughter. In XX/XX/XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. As well as Experian announced a data breach and I believe I am a victim. I am requesting XXXX XXXX  dollars for pain and suffering.

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 2020-04-22
Company: WELLS FARGO & COMPANY
State: CA
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:
XX/XX/XXXX I requested a stop payment do to a Nation Wide pandemic. 
In the amount of {$1.00}, XXXX from XXXX XXXX. 
However Wells Fargo paid and my account was debited in the amount of {$1200.00}. On XX/XX/XXXX a provisional payment was issued to my checking account in the amount {$1200.00}. 
Some time between XX/XX/XXXX and XX/XX/XXXX the reversal credit from Wellsfargo was removed. I can not provide you with that information that they maniuplated on my account. 

Due to the global pandemic XXXX XXXX  refunded back to my card ending XXXX the amount of {$1400.00}. ( a deposit from XX/XX/XXXX ). 

Wellsfargo assumed that this was part of the same transaction from the stop payment claim on XX/XX/XXXX and the same provisional payment of {$1200.00}. 

However this is a separate transaction and date XX/XX/XXXX and claim and amount. from XXXX purchase return authorized on XX/XX/XXXX XXXX XXXX XXXX Washington card # ending in XXXX. 

I need a full refund with pain and suffering fees and any and all good faith allocated monies during this pandemic quarantine.

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 2022-01-20
Company: EQUIFAX, 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:
FRAUDULENT TRADELINES WERE ATTRIBUTED TO MY CREDIT PROFILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX the consumer, has contacted Experian numerous times about the inaccuracies found on his consumer report. Experian continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. Experian is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Multiple Credit reporting agencies have deleted the same accounts in question ( see attached file ). Im demanding Experian show me the verification method used to determine the completeness & accuracy of the following accounts that have been deleted from other consumer reporting agencies. ( see attached file ).

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 2022-04-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two incorrect addresses on my account. Looking at the report, it has the dates that I've lived at my real addresses as overlapping these fake addresses so it doesn't make any sense that it is even on there because I can't live two places at once. This is between XXXX and XXXX, and during that time a check was stolen from my apt complex and someone else 's phone number ended up on our bank. 
This showed up in an employment background check that I had when I got my new job last month.

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 2021-10-28
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: Account information incorrect

Complaint:
XXXX XXXX late 30 days somewhere between XX/XX/XXXX and XX/XX/XXXX is incorrect. The charge was unauthorized and I was not properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXX XXXX Not Mine XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX Not Mine XXXX XXXX XXXXXXXX Not Mine XXXX XXXX XXXX Never late on this account XXXX XXXX  XXXX Paid/Never Late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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: Account information incorrect

Complaint:
XXXX XXXX late 30 days somewhere between XX/XX/XXXX and XX/XX/XXXX is incorrect. The charge was unauthorized and I was not properly notified.

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 2022-04-01
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ Status/ Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX Bank XXXX XXXXPotentially Negative Date Opened XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX XXXX  /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$650.00} Status/ Account charged off. {$450.00} written off. $ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} XXXX {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Volvo Car Financial Services U.S., LLC
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 status incorrect

Complaint:
At the end of my lease I made a full payment to Volvo Financial for {$1400.00} under confirmation # XXXX for account ending in four digits XXXX. However Volvo Financial reported my account to credit bureaus as Collection/Charge Off despite receiving the full payment. This is negatively affecting my credit score and impairing my ability to secure mortgage financing that I desperately need during Covid. Despite my repeated attempts to have them correct the situation they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This a formal compliant against Experian regarding inaccuracy on my credit file. On XX/XX/XXXX, I  discovered that XXXX XXXX account number xxxxxxxxxxxxx XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX  which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified Experian in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2019-08-08
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: Investigation took more than 30 days

Complaint:
I paid for credit repair service to fix the problem, but credit bureau has not yet fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: ALLY FINANCIAL 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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-02-01
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone has open several accounts using my SSN XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Discover XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief