BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just filed a complaint against Equifax for incorrect information on my credit report. EQUIFAX is refusing to report correctly. It is my information. I have a right to it accuracy and the info. EQUIFAX was incorrectly reporting the verification that XXXX was included in the bankruptcy incorrectly. That XXXX was not included in the bankruptcy. EQUIFAX is required by law to report the information correctly. They still have the wrong dates reporting for the bankruptcy and the type, so by law it has to be removed. My report is not right the bankruptcy info is still wrong. They have tried several times to add it and can not get it right. It is unethical and illegal to report inaccurate information. The responsibility can not be passed simply because they are getting paid to report. My bankruptcy is an official record and the information can be easily verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
As of XXXX/XXXX/XXXX I attempted to go into the facility and make my payment using the payment methods that the company offers representative stated there system is down I asked would any interest that occurs daily would be waived rep called corporate ask to waive any addl fees was told no needed to make payment,. I went back the next day which was XXXX/XXXX/XXXX to attempt to make another payment mind you not I do not use a cash method due to tracking purposes this is '' why '' the system was down again came in Monday XXXX/XXXX/XXXX again to make a payment she advised system was still down asked if she could please attempt to try to take my payment In which she did and the payment went through. Now here we are again my bill is due went in to make a payment XXXX/XXXX/XXXX system is down again and it will be down per XXXX for an estimated week and yet no addl interest will be waived. the interest is 179 % at this point I am exasperated with the companies failed attempts for customers to make their payments regardless of what method is used I do n't live in the area so to keep coming out of my way and attempting to make payments and still be charged interest because of there system issues is not sitting right with me as a consumer. Just as they have their payment methods that they accept as a business mind you not I have the right to have my methods and be able to make a payment without issues and being charged extra fees because of their errors.

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 2018-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo Bank is still trying to collected debt that pass the statute of limitation. Wells Fargo is putting false information on my credit report. I am requesting Fargo for name of the person who claim to open account face to face? I feel like Wells Fargo is being discriminated against me because I am 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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 2022-02-16
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: CA
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 utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: SUNCOAST CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Suncoast Credit Union Bank reported my credit card to credit bureaus 3 days before my monthly closing statement date. 

My monthly closing statement date is the XXXX of every month. Suncoast Credit Union reported my closing statement on the XXXX of XX/XX/2022 which was 3 days before my closing date without my notice and without my consent. 

Due to these actions by Suncoast Credit Union, my credit score has dropped with the credit bureaus and has negatively impacted me and my purchasing power. 

I have tried to dispute this issue with them but have been inconvenienced to call while at my occupation to solve this dispute. 

Unfortunately, Suncoast Credit Union was unable to provide a solution to this issue after hours over the phone with customer service and fail to provide notice of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and XXXXm the one who submitted a complaint on XX/XX/2022. This account ( ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ) ( XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ) ( XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} ).

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 2022-02-16
Company: General Motors Financial Company, Inc.
State: UT
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:
RE-ATTEMPTING WITH NEW INFORMATION I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by XXXX through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious XXXX did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process XXXX has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : XXXX has now turned it back on XXXX and stated that XXXX has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
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:
I used to have XXXX XXXX Credit Card from Wells Fargo, which was closed in winter XXXX. That card had certain benefits, such as Cellular Telephone Protection, Retail Protection, Extended Warranty, Worldwide Travel Inconvenience Insurance : For Lost or Damaged Baggage, etc. Those benefits were supposed to be covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. When I filed a claim for my losses, XXXX XXXX XXXX denied it with false reasons. I filed an appeal, and it was not even responded to. So, the guide of benefits specified that all disputes were supposed to be arbitrated by XXXX XXXX XXXX ( XXXX XXXX. When I filed my request for arbitration with XXXX and served with my XXXX XXXX XXXX XXXX and its representative, XXXXXXXX XXXX XXXX, they refused to participate in arbitration, and XXXX administratively closed my Case Number : XXXX. The XXXX 's decision clearly stated that Wells Fargo was supposed to remove XXXX XXXX XXXX as its underwriter from its guide of benefits. However, Wells Fargo refused to obey that decision and it didn't remove XXXX XXXX XXXX from its guide of benefits. When I filed my complaint with CFPB XXXX, Wells Fargo responded that my card was closed in XXXX, therefore I lost all benefits in XXXX. Well, first of all, even if my card was closed in XXXX, any claim I filed prior to that was supposed to be properly responded and arbitrated within allowed time period. Second, my card was still open in XXXX, and it was closed in XXXX ; however, I filed my claim with XXXX XXXX XXXX prior to my card was closed, that was why XXXX XXXX XXXX was supposed to review my claim and respond to my appeal, which it didn't do. Besides that, all disputes related to the claims filed prior to the card closure were supposed to be arbitrated with XXXX, which XXXX XXXX XXXX refused to do as well. So, I request another time to remove XXXX XXXX XXXX from Wells Fargo XXXX XXXX XXXX XXXX XXXX decision clearly stated.

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 2017-08-19
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I admit to having business with XXXX XXXX but have never once been told I owed them money and I still receive letters to this day regarding a business I once owned but not 1 stating I owed them any money yet CAINE & WEINER COMPANY INC has reported on my credit that there is a debt in collections before sending me any kind of letter or even trying to contact me by phone. Is this not illegal to take action on my credit report before notifying me of any debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
ON XX/XX/XXXX. MY MONEY WAS WIPED CLEANED FROM MY XXXX XXXX CARD. THIS WAS OVER {$750.00}, THAT MY DAUGHTER RECEIVES FOR HER XXXX. I CONTACTED XXXX XXXX, AND WAS INFORMED THAT MY ACCOUNT PIN WAS CHANGED, AND THE MONEY WAS TAKEN OUT OF MY ACCOUNT AT TWO DIFFERENT LOCATIONS. I WAS TOLD THAT THIS OCCURED AT XXXX XXXX. I WAS ALSO INFORMED BY XXXX XXXX   THAT THEY ISSUED MY CARD TO THE WRONG MAILING ADDRESS. I WAS INFORMED BY XXXX XXXX THAT I WOULD HAVE TO FILE A FRAUD CLAIM REPORT. THEY ALSO INFORMED ME THAT THEY WOULD BE SENDING ME A NEW CARD, HOWEVER, THEY STILL CONTINUED TO SEND THE NEW CARD TO MY OLD ADRESS. I RECENTLY RECEIVED MY NEW CARD, HOWEVER, MY MONEY WAS NOT DEPOSITED BACK TO MY ACCOUNT. I ALSO RECEIVED A LETTER STATING THAT THEY WERE TRYING TO CONTACT ME, AND BECAUSE THEY COULD NOT GET IN TOUCH WITH ME, THEY ARE CLOSING ME CASE. PLEASE NOTE THAT WHEN I RECEIVED THE FRAUD QUESTIONARE, I FILED OUT AS MUCH INFORMATION, THAT I COULD. I ALSO SUBMITTED MY TELEPHONE NUMBER. NO ONE CONTACTED ME. I 'M NOT THE ONLY PERSON THIS WAS DONE TO. WHEN I WENT TO SOCIAL SECURITY, THERE WERE OVER 100 PEOPLE MAKING THE SAME CLAIM. XXXX XXXX, AS WELL AS SOCIAL SECURITY HAS KNOWN THAT THERE HAS BEEN A PROBLEM WITH THESE CARDS SINCE XX/XX/XXXX, HOWEVER, THEY NEVER SENT OUT ANY ALERTS, THEY NEVER ISSUED ANYONE NEW CARDS. I RECENTLY RECEIVED MY NEW CARD, NOW IT HAD THE GOLD SEAL. XXXX XXXX, IS NOT A CARD THE GOVERNMENT SHOULD USE. SOCIAL SECURITY ENSURED EVERYONE THAT THIS CARD WAS SAFER THAN GETTING A PAPER CHECK, HOWEVER, TODATE, THEY WILL NOT HELP ASSIST PEOPLE WITH GETTING THE MONEY THAT WAS STOLEN. XXXX XXXX, KNOW THE LOCATION, THE PERSON WITHDRAW THE MONEY, HOWEVER, THEY ARE REFUSING TO REFUND OUR MONEY. PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Wednesday, I called Pacific Retrieval LLC because I received a collection notice that I Owe XXXX to their client XXXX  XXXX XXXX XXXX, when the representative got on the phone he already had a attitude & was talking rude when I started to talk I told him I am glad that this call is being recorded he then proceeded to interrupt me and tell me I was badgering him and that he will Sue me and take me to court & get my money & he was gon na give me one more chance to talk nice when I started to talk he then interrupt me again rudely and started saying things, I just hung up, I then proceeded to call back & try to talk with someone else & they refuse to help me & hangup on me. This debt is not mine apparently in XXXX I sold a car sent in my release of liability to DMV. They got this car in XX/XX/XXXX & apparently the person I sold it to did not register it with DMV, Ive sent a email with copies of everything, Im sending them a certified letter with A copy of bill of sale. They refuse work with me & want to just get a judgement against me even with the proof in front of them, its impossible to talk to anyone over there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXXs where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the XXXX XXXX  then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.

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 2017-09-27
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by Diversified Consultants in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with XXXX and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}

Company response to consumer: Closed with non-monetary relief