BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TX
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 disputed with the Equifax at the beginning of the month but they failed to attach a police report when disputing the fraudulent XXXX XXXXXXXX XXXX ending in XXXX. The investigation took 3 days and to be honest that's not an investigation and they didn't verify everything in 3 days.I have never signed up for this account My rights have been violated and I am trying not to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a text message from number claiming to be Wellsfargo that someone was trying to make a payment. It said reply yes or no. I replied No. I then received a call from a Wellsfargo number. He said that he would put a stop to it immediately and that they were trying to zelle money to the reserves from my account but he put a pause on it. He sounded very professional and said I would need to sign in and transfer the money back to myself since it was on pause. I put in my phone number and name. He wanted me to do it XXXX times. I started to fill uneasy but I was getting texts and he assured me it was wellsfsrgo and the number did match. As I seen my bank account go low he Said that after the process he will clear it and it will go in my bank account. He said he had zelle on the line trying to get back my funds. He said if we don't complete I'll be on out XXXX. I hung up because I did not feel right. I called my bank and they informed it was not them. I filed a claim. I read that with banks should fix it with title E protection? I have not much money and this scam really ruined me and put me in a financial burden. I am devastated that I actually got skammed and violated that the could so easily hack my 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 2022-01-03
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:
EQUIFAX : On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent. 
on XXXX XXXX  XXXX XXXX XXXX XXXX pulled my credit without my consent. 
I filled multiple dispute with the bureau and the companies, but could not find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: OH
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:
On Monday, XX/XX/XXXX I contacted Experian about a problem I was having with their report to XXXX XXXX. At XXXX XXXX, I applied for a credit card at XXXX XXXX to save money on a new computer I was buying. XXXX XXXX contacted their bank which said I was denied. This astounded me. I own a home and two cars. I make over {$80000.00} a year, and have had this job for 19 years. I have no outstanding debt - no loans or liens. I pay off my credit cards when they are due - never carry a balance. I have a credit score from Experian around XXXX. I have over {$100000.00} in my bank, with over {$700000.00} in IRA/401K. So, their bank sent me a letter which said to call them that there was an alert from Experian. I called them and they only re-ran the application for the credit card and could not give me a reason why they could not approve the card- they could only say that it was not approved again and I would get a letter in the mail explaining. I got the same letter in the mail which I received before! So, I contacted Experian online. Online, they said to call them that this had to be handled by someone. I called, but could get no one - just the electronic prompts. None of the prompts applied to me- they were mostly about disputes, which I don't have. I needed to know what was on my report that was not allowing me to get a simple credit card. I kept asking for an operator, which the automatic voice recognized but would not give me someone to talk to- they only kept repeating the options which did not apply to me. I tried a second number I found online to Experian and it did the same thing - the prompts did not apply to my situation and they would not give me someone to talk to. I failed to get someone to talk to about my situation both times- the electronic voice would not allow it. So, I wrote a letter to Experian explaining the situation ( and my outrage ) today, XX/XX/2022, sending it to Experian National Consumer Assistance Center in XXXX, TX. I do not expect much help, but at least a human being will look at my situation.

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 2020-06-12
Company: ID Analytics, 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: Their investigation did not fix an error on your report

Complaint:
this is my second request, in response to your request I have AGAIN attached my identification and social security card copies n FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company midwest recovery XXXX is reporting inaccurate information on my credit report and states that I owe a balance of {$110.00}. I have never received a notification from the merchant and this negative item is hurting my credit score. My Hippa rights have been violated and due to Covid-19 and my medical condition I'm on XXXX and can not afford to pay for items that not valid and are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 non-monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: TX
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/XXXX I reviewed my account with XXXX  and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I pay rent every month for my off-campus college house, collecting rent from my XXXX other roommates. At the end of every month, I deposit {$2800.00}, collected from my roommates, into my checking account to pay rent. In XX/XX/XXXX, my roommate was late on his payment so I transferred {$530.00} into my checking account to cover his portion of rent. When he paid me in cash a few days later, I deposited the money into my checking or savings account at a PNC branch location. When I went to pay rent a month later, I noticed that the {$530.00} deposit made in XX/XX/XXXX was missing from my account. I opened a dispute with PNC and their department said they could n't find anything. I asked if they could do anything further and they said without a deposit receipt, there was nothing else that could be done. I proceeded to ask, " If I handed a teller {$530.00} in cash and did n't receive a deposit receipt, then that teller could essentially walk away with {$530.00} and I ca n't do anything about it? '' Their answer was " Yes, that is correct. '' I found this to be very upsetting because, as a college student, {$530.00} is a lot of money. Their only solution was to find the deposit receipt, which I did n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery purchased debt According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my place of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and procurement of consumer report for the resell without written consent 15 usc 1681 A ( e ). The furnishing of this inaccurate reporting of information is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: DISCOVER BANK
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I requested international wire transfer of {$30000.00} on XX/XX/2021 with Discover bank but the bank has wired the money into a wrong account and has not been able to retrieve or provide update on the recall status to date except telling me to wait and " I am not able to give you any information at this time. Call us back on XX/XX/XXXX if you don't see the money credited back to your account '' by the bank manager. The bank has not taken appropriate professional responsibility or discussed with me about any plan and refused to discuss a follow up plan with me. I have called Discover bank daily, discussed the status with the associate whom has been on the case, and followed up or provided the information from the beneficiary bank as the associate at Discover bank requested but, to date, Discover bank has not been able to officially provide me any update or status of where the money is and when the money will be credited back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My father passed away in XXXX of XXXX. His XXXX funds where deposited to a Direct Express mastercard which apparently has no physical location. On XX/XX/XXXX I received my personal representative papers and filled out the paperwork to have the balance of XXXX on his Direct Express card disbursed to the estate. I received a letter on XXXX stating the funds were disbursed. When I had not received the funds by XXXX, I called Direct Express to check on the status and was told that the funds left the account on XXXX but she did not know where they had gone. I was transferred several times until I reached XXXX who said she could only speak to my father and who hung up on me when I asked to speak to a supervisor. On XXXX, I called again and spoke to XXXX in the fraud department who said the funds had been sent to my lawyer 's office and the check had been issued on either XXXX or XXXX. She told me to call back if the check still had not been received by the end of the month. I called back on XXXX to ask for the funds to be reissued and mailed to my address since the check had not been received by myself or the lawyer 's office. The person I spoke to told me the case was closed and if i called back I would get the same response and then she hung up on me. I emailed the probate emailing address and requested the check be reissued and gave the address. I also called and left a message on the probate number. I did not receive a response to my call or email. I called again on XXXX and spoke to XXXX and she said she would have someone from upper management call me back. No on called me back. On XXXX, I called again and informed Direct Express I would be filing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: Designed Receivable Solutions, Inc.
State: AL
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've disputed through the credit bureaus and sent the company several letters requesting their legal authority to collect the debt, a direct contract between me and the company with my signature, and an agreement to the assignment of the debt. All my request have been ignored. I've even called to get information and it's getting me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: DC
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Duvera Billing Services, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is reporting inaccurate information on my credit report and it is damaging my score and causing great harm. I have never received any information from this company regarding the debt and my HIPPA rights have been violated. I am currently not working due to COVID-19 and due to a previous medical condition I am on XXXX. This company states that I owe them {$1100.00} for an account that was closed on XX/XX/2016. I have no other information and can not afford to pay a balance living off of the government stimulus and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I live at XXXX XXXX XXXX in XXXX, GA XXXX and my lender is Wells FArgo with a loan number of XXXX an im a victim of malicous illegal acts done by my lender. After a year of communication trying to get a more affordable mortgage to keep my home Wells Fargo has lead me on a path to ultimately take my home. It was determined after a year that they denied me ( according to XXXX in the rentry department ( XXXX is the number she gave for her id ) for a program saying that XXXX nor XXXX loans have programs for individual who has an origination date of XXXX XXXX and on. If this was the case then all that was done was a elaborate waist of time to the point where my mortgage is so far behind ( because XXXX informed me that on XXXX XXXX that file needed to be deliquent 30 days or more to submit for a modification so I had to stop making payments just to get help ) it makes is almost impossible to catch up. I was also told that my income wasnt sufficient so I was able to get more income by obtaining a roommate and was told once I did this to provide the proof with bank statements, lease, and utility bills.but even when I did this I was told I couldnt and wouldnt be look at for the program. It is my understanding that the reentry team has hard decline my file in an attempt not to allow it to be looked at again. I have had a modification in the past and it still didnt help my affordability so I applied for another XXXX and now they give me the reason because I have a XXXX loan and it was originated after XX/XX/XXXX that I dont qualify for any programs. Then on the very next day XXXX XXXX I receive a letter in the mail saying that I was turn down from assistance because there wasnt a sufficient change in circumstance but the fact is that my circumstance was never reviewed because upon asking for other documents to place in the review process I had already been turned down by this department so noone ever looked to see if my circumstance had truely changed which it did. The big issue is that if fannie mae doesnt have a program for me because of my origination date then it doesnt matter if I make XXXX times or XXXX times the payment I would never qualify and this all would have been a complete waist but this doesnt seem tru because as I stated before Ive gotten a modification before so whats really going on. So there are truely unexplained situations, indifferences, going on internally and now Wells has a foreclosure date set for XXXX XXXX. At this point I have no choice but to alert all for as a senior citizens that just wants to keep their home Im truely bei8ng done wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: AL
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've disputed through the credit bureaus and sent the company several letters requesting their legal authority to collect the debt, a direct contract between me and the company with my signature, and an agreement to the assignment of the debt. All my request have been ignored. I've even called to get information and it's getting me nowhere.

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 2020-06-12
Company: AES/PHEAA
State: GA
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:
FED LOAN SERV {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. Fed Loan offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist

Company response to consumer: Closed with non-monetary relief