BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in his letter said as I quote : On XXXX XXXX, XXXX, a charge of {$8800.00} was made with special financing terms of 18 months, No Interest if Paid in Full, regular Monthly Payment required during the special term period. YOUR MINIMUN PAYMENT AMOUNT WAS SET UP BASE OFF THE AMOUNT OF THE TOTAL PURCHASE AND LENGTH OF YOU PROMOTION. Letter attached ( Attachment 1 ) I did the payment exactly according with this indication I pay {$300.00} for 29 months because Wells Fargo Financial XXXX XXXX made a mistake on the length of the promotion, the other way the minimal payment will be {$490.00} and in that case I will not accept This Especial Home Project offer because I was not able to pay {$490.00} per month. 

XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in her letter said as I quote : your purchase was made with Regular Montly Payments term rather than equal Montly Payments. Regular payment terms typically provide the customer great flexibility by requiring a lower minimum payment each month. However, you can make larger payment to pay off the balance by the special terms expiration date. ( attachment 2 ) Two letters from Wells Fargo Financial XXXXXXXX XXXX from the same office ( Research & Remediation Analyst Executive Office ) with different version. 
XXXX, XXXX. XXXX XXXX in her letter said as I quote : on XXXX XXXX, XXXX, the account balance of {$6000.00} was charge off. What is to charge off? In my original complain indicate that in XXXX XXXX, XXXX, I was willing to pay all my balance and Wells Fargo Financial XXXX XXXX with XXXX XXXX a Research & Remediation Analyst from the Executive Office DID NOT ACEPT MY OFFER ( Attachment 3 ). 
This case makes no sense if one officer said one thing and the other something totally different. XXXX XXXX, XXXX. I made the last payment. XXXX X 29 months= {$8900.00} and I pay in full. 

I am XXXX years old lady and this company is taking advantage of that. 

I trust 100 % every thing that they told me. My monthly payment never increase, the financial was 0 % until I finished. From XXXX to XXXX XXXX never increase, I pay online and I do not need to print the statement every month, to pay on line is to save paper.

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 2017-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Bank of America small business checking account that is linked to XXXX. Periodically they update their security or something else, rendering my account impossible to access through XXXX. When I call I am told that it is a XXXX issue,. I call XXXX and they say that it is a Bof A issue. Last Saturday I spent 4 hours on the phone, but nobody could help. Today, the only day that I had time to call, I spent another 2 hours trying to resolve the issue, but I was told that I was having this problem because of a security update and I was not alone. However, they could n't help me and someone would call me in a couple of business days. Meanwhile, my entire business banking and financial abilities are paralyzed. If they are having this problem, they need to have staff available to help! also, their website says that they are open until XXXX XXXX, but when I called at XXXX they were closed.

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 2020-10-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2015, a car loan was allegedly opened in my name at XXXX with Santander. I did not sign for this car loan, nor did I authorize anyone to sign for me. The debt has now been sold to XXXX XXXX XXXX who has been taken over by XXXX   XXXX. I have submitted extensive documentation showing that I was not even in the country at the time the transaction took place, police reports showing theft of identifying documentation just a couple months prior to this incident. I also had a forensic document examiner to review the signed contract. The examiner, proved that I did not conduct this transaction. I have written to XXXX, Santander, and XXXX XXXX  to let them know of the fraudulent activity way back in XXXX. It is now XXXX and no changes have occured, the account is still listed on my credit report and it is causing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am the consumer, natural person, and original creditor. Equifax/The Work Number shared my nonpublic personal information with XXXX XXXX  XXXX XXXX XXXX without my written instruction therefore causing me to be denied XXXX benefits. Pursuant to 15 USC, 1681b, Equifax violated had no permissible purpose to provide XXXX XXXXt XXXX XXXX XXXX with my nonpublic personal information. Pursuant to 15 USC 1681n, Equifax/XXXX XXXX XXXX willfully failed to comply with 15 USC 1681b which requires it receive written instruction from the consumer before furnishing my consumer report to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last four digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte

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 2017-06-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submited a dispute letter to Equifax requesting that they remove a judgement that have been cancelled while providing proof of cancellation of judgement to Equifax by mail and they did not remove this debt from my credit report within their investigation period of 30-45 days. XXXX and XXXX XXXX removed it but Equifax did not properly do the job that I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have been trying to get a hold of the credit bureaus since XXXX regarding all of these issues i see on my credit profile. There are a ton of inaccuracies, duplicate accounts and just wrong information on my report that is really making me stressed out and absolutely destroying my credit. It's so bad that it is affecting me mentally because im paying so much high interest that it's hard to provide for my family. Even with all the inaccuracies on my report they still wont fix it or tell me any information about whats going on. I also think this is a violation of my privacy since i am a consumer and i entered into a consumer transaction but i was never given the option to opt out of reporting or they never gave me any information on a finance charge. Even when i requested it from the companies i'm still left in the dark here. Even with all of this i am a victim of the XXXX  and XXXX data breach. And also i am in a student loan rehabilitation program with the CARES ACT. I need them to remove the accounts that are on the attachment asap. It has been almost 60 days i think that's more than enough time for the bureaus remove this false reporting without my written permission.

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 2017-10-19
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello. We were unaware that there was a debt with Cbe group as we never received a bill. Now it has shown up on the report. We have since made a payment on the account to avoid collections, but I am not even sure we really owe this bill as we cancelled services with them last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. 

Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ).

For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. 

" Know how to get rich? Spend less than you make. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Paypal Holdings, Inc
State: MO
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:
When checking my credit card statement, I noticed a charge for {$44.00} to XXXX. When I called the phone number associated with the charge it was PayPal. I opened a dispute with PayPal & they denied my dispute. Anytime I make a purchase though XXXX, I get an email with description of what it was. ( ie. songs or what have you ) I received no email on this transaction and it is not associated with my XXXX or XXXX account. I did not authorize this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine.
XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX Present Employer : XXXX XXXX There is no XXXX XXXX plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the Bureau was confirming this names they would no there not right there is no XXXX XXXX as stated. XXXX is all XXXX  which they have several there not no XXXX  company.
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  no such address nor have I ever live there.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX wrong this is a condo not an apartment Transunion updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong

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 2019-07-23
Company: EQUIFAX, INC.
State: MT
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:
I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. 

XXXX XX/XX/XXXX XXXX/XXXXt XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-07-23
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Well on XX/XX/XXXX i received an certified check through the msil for XXXX i took it directly to my bank PNC on XXXX and XXXX in XXXX  i told the Teller i wan na know if it is real she stated once we process it if it is no good it want go thru the next day it was cleared i went shopping then 5 days later i get and e-mail that the check bounced now they telling me my account is negative XXXX plus recruing fee that's not fair because a bank suppose to verify these things throughly if it went through the bank processing system

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23
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:
XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. i never opened an account with XXXX XXXX XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft and I want this fraudulent account removed from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. Im not sure why Equifax is allowing a company to report a fraudulent account to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and Iwant something done about this!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: FL
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 recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a widow and a XXXX veteran. XX/XX/XXXX - received preapproval letter from BOTW, found a new house, began loan process, sold my home as requirement to obtain loan from Bank of the West. Provided all docs as requested by BOTW, multiple times. Scheduled close on old home in Iowa was XX/XX/XXXX ; close on new house in Colorado was XX/XX/XXXX. On XX/XX/XXXX, received 3 calls from lender asking for more documents to be faxed, all docs previously sent. Late afternoon XX/XX/XXXX, receive call stating errors were made on the loan by the banker, and loan would be denied. She had mistakenly assumed my tax refund was a monthly income amount, and BOTW now decided I could n't afford the loan. They had literally months to confirm all income and catch any errors. Loaded XXXX in the drive ready to unload in new house. Received assurances that the issue was totally their fault and they would " make it right ''. Received new preapproval letter on XX/XX/XXXX to look for new house, as the first house specified must close on XX/XX/XXXX, so was unable to purchase. Arrived XXXX XXXX XX/XX/XXXX, loaded XXXX, XXXX sons, XXXX cats, XXXX dog, and myself. Advised by BOTW to find a place to stay, and they would expedite a new loan. Found new home on XX/XX/XXXX. Moved belongings into storage and myself into reasonably priced long stay motel. BOTW does not expedite, and in fact is not answering calls or emails from myself or my realtor. At the request of the realtor, I fired BOTW 4 weeks onto processing new loan. New loan closed new loan in 2 1/2 weeks. Due to this issue, I lost my entire savings. If had not HAD savings, I ca n't imagine what I would have done. I requested BOTW refund me the appraisal fee iao {$400.00} ( they did ), the inspection fee, the lost earnest money iao {$2000.00}, and the costs associated with losing the loan, a total of {$8500.00}. This amount includes housing, extra time on the XXXX, storage fees for my belongings, and boarding for my animals. I did not request reimbursement for gas to find another home or meals/groceries needed during this time. To date, I have received {$400.00} for the appraisal, and an offer of {$2000.00} if I will sign documents agreeing to leave them alone. We have exchanged numerous letters. They need to give me back the money lost due to their negligence.

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 2017-06-28
Company: SUNTRUST BANKS, INC.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Sun Trust called me at XXXX for the purpose of collecting on a mortgage debt. It is very disruptive and extremely inconsiderate to be called that early in the morning. Further, this is a new mortgage transfer that gives me 60 days to make the payment and I have another 32 days to make the payment yet I have been repeatedly contacted. I have attached a picture of the phone called received by Sun Trust at 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 2022-05-04
Company: Experian Information Solutions Inc.
State: VA
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  Accounts XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-06-29
Company: EQUIFAX, INC.
State: FL
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 stole my information and opened and created negative accounts fraudulently and applied and created all kinds of inquiries in my name ... ..

Company response to consumer: Closed with non-monetary relief