BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I put in a hardship withdrawal request with Wells Fargo to withdraw much needed funds, XX/XX/2017 to consolidate debt and pay past due rent owed to my landlord to avoid eviction, to try and refinance my vehicle, and fix my credit issues. The bank was supposed to send me the paperwork with 2 to 3 business days, it took 10 days to receive the paperwork, i filled out all of the paperwork and submitted the necessary documents and I was told it would take 5 to 7 business days to process and receive a check, i called after 2 weeks wondering why i had not received the funds only to find out that it was direct deposited to a closed account at my bank ( XXXX XXXX ) XXXX XXXX is now holding the funds for 15 days pending a good funds approval. with all of the long drawn out processes, my vehicle has now been reposessed with threat of sale at auction, and i am now being threatened with eviction, Neither Wells Fargo or XXXX XXXX will give me exact answers as to when i will receive my money It is now XX/XX/2017 and i still do not have my money.

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: Exeter Finance Corp.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with EXETER FI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and EXETER FI with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX XXXX XXXXXXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02
Company: Receivables Management Partners, LLC
State: MI
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:
Hello, I am reaching out today because XXXX XXXX recently bought a account from independent emergency physicia in a balance of {$310.00}. 
My complaint is I never gave permission for this company to buy my personal information. It is a violation of my hippa rights. 
This company holds information such as my name, address, medical services received and a list of other things that they illegally bought. 
With my Hippa rights being violated I am demanding that this company cease all credit reporting immediately to all 3 credit bureaus or I will seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
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 did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX. XX/XX/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 2018-05-17
Company: Experian Information Solutions 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:
EXPERIAN IS REPORTING A NEGATIVE AND FRAUDULENT ACCOUNT THAT DOESNT BELONG TO ME ON MY CREDIT FILE THEY PREVIOSULY REMOED THIS INCORRECT DATA AND NOW IT IS REAPPEARING THIS DOES NOT BELONG TO ME AND I HAVE SENT THEM ALL DOCUMENTATION AND POLICE REPORTS TO HAVE THIS REMOVED AND NOW THEY WILL NOT REPLY OR ASSIT TO CORRECT THIS SERIOUS MATTER. THIS ACCOUNT AND BALANCE DOES NOT BELONG TO ME

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 2022-07-16
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact Midland Funding about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from Midland Funding, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports. 
I have attempted to call, Midland Funding representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX Midland Funding still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. Midland Funding has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from Midland Funding pursuant to state laws and FCRA laws and Midland Funding is not trying to resolve this issue. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: GVA Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I 'm not sure if this is where I make this type of complaint, however, I have been receiving calls threatening me with a lawsuit that I received an online payday loan and never paid it back. I never received the loan at the time and this was 6 years ago. I applied for a loan online, but decided not to accept the terms. I canceled it, but my account was still debited {$99.00}. I went to my bank and they reversed the transaction and issued a new checking account to me. A few years ago, I received threatening calls stating a similar scenario that Legal action was being taken against me for non-payment of a payday loan that turned out to be a scam. During the current call I received, the representative stated to me my full social security number, phone number, birth date, and address. I am afraid I will be a victim of identity theft because after I accused the representative of being a scam artist, he became hostile stating " good luck in court, you 're going to jail. Just wait and see what happens. '' Please let me know what I can do about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I mailed a letter asking the credit agency to verify the accuracy of the account and they sent a credit report back after the investigation with the same inaccurate information. The law state that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

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 2022-07-16
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:
Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX  discriminated against are are my children. As XXXX counterparts have a higher credit score and even XXXX  I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through Section 8 I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX XXXXhis is only due to XXXX XXXX  yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-07-16
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:
Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX XXXX against are are my children. As white counterparts have a higher credit score and even immigrants I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through XXXX XXXX I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX this is only due to XXXX XXXX yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX  me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: GA
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 wont remove the inquiries that I didnt make

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 2022-10-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Citibank credit card was used fraudulently between XXXX for XXXX XXXX transactions totaling {$790.00}. Citi was contacted multi times via phone, email, chat, their website and US Postal service to have the above amount removed from my current balance. They have done nothing to investigate or remove these fraudulent charges from my current balance. A police report was also filed regarding the fraudulent use of my card. I have emails from Citi stating I am not responsible for fraudulent transactions. However, this experience says otherwise and believe they are out of compliance with CFPB and certainly misleading consumers based on their email communications. Evidence attached ( pg 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 2022-07-16
Company: Experian Information Solutions Inc.
State: MA
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:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

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 2017-10-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited a total amount of {$1800.00} to an ATM outside of Chase located on XXXX XXXX and XXXX XXXX, XXXX, AZ. I was only credited for {$1200.00}, I have filed a claim for the missing deposit of {$600.00} but it was denied. The claims department directed me directly to the branch that mishandled my deposit, while at the branch no one could help and directed me to the Police department to request a subpoena and consent form in order to get copies of my deposit receipts and transcriptions of my calls to Chase claims. The police department had no idea what I was talking about and directed me back to the bank. The second time around I was highly upset and spoke to a manager at Chase on XXXX who was able to get me copies of my receipts which showed the discrepancies of missing funds but could not help me recover it. The manager told me to fax the receipts to Chase which I did but in return to only tell me they did n't receive anything. On Thursday XXXX/XXXX/XXXX I filed a claim with Chase Executive Office claim # XXXX as an urgent request but still nothing has been done. I have exhausted all options and am really upset that this bank is stealing my money at no fault to me. I ask for your assistance in recovering my funds as my bills have been delayed due to the lack of funds on my account. I am beyond disappointed on the mishandling of my account and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-05
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XXXX 2017. The payment was due XX/XX/17 and was paid by me on XX/XX/17, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. I was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-17
Company: SIMMONS FIRST NATIONAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Simmons Bank about refi. I informed the gentleman that I did not want to run my credit until he looked at our income and knew it would work. He said to send him a paystub and he would look at it. He replied and said the income will work. I told him to go ahead and move forward. After appraisal and pulling credit, the underwriter said the income would not work based on paystub and prior w2. If I would have known this upfront I would not have approved credit pull. Totally mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I cash app money to Someone in the amou it {$82.00} dollars .Which was deducted from my bank account.. The person cash app was cancelled before receiving the money Which mean Cash was suppose return my money back to my bank and they never did and refuse to do so.

Company response to consumer: Closed with explanation