BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Received an alert from Wells Fargo regarding a {$3500.00} transaction replied no and immediately received a phone call from Wells Fargo stated someone requested {$3500.00} XXXX payment that was scheduled to go through in an hour unless I requested the money back to me through XXXX then the caller proceed to talk me through the procedure and two transactions one from checking in the amount of {$2000.00} and another from my savings {$700.00}. I informed the bank and recently received a letter stating that although it was a scam they have informed the recipient and requested a refund and if the send it back thats the only way I can recover from this.

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 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 repeatedly am seeing updates from alleged creditor XXXX XXXX on my XXXX   and TransUnion Credit reports for allegedly written off account onXX/XX/2017  That is illegal to update, right, as the alleged delinquency is set to appear for a finite duration? I would like these updates from this alleged creditor to stop as it has with 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 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
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 requested the credit bureaus to verify the information given on each credit card that was being reported on my credit report, they were not able to verify it but is still showing on my credit report.

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 2022-01-11
Company: EQUIFAX, 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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company claims : I owe, {$16000.00}. I do not agree with the claim in fact, I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: AZ
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:
Equifax ; XXXX and XXXX  are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XX/XX/XXXX payment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I moved out the XXXX  in XX/XX/2018 through XXXX which was residents manager. I have the letter of her accommodating my request. My request way due to harassment by neighbors and the account manager XXXX. I'm a veteran that is XXXX XXXX XXXX and XXXX from the Military and behavior like I received from the XXXX  was not expected. However I did have damage to a door in the apartment and me and XXXX discussed the door then printed out my renters insurance so it can cover it. One month later after XXXX ( apartment manager ) transferred from the apartments, XXXX emailed me a bill stating I owe the apartments. After numerous times of Calling and emailing trying to resolve this issue I got noting. I've tried disputing with the IQData international which is the debt people that took over in XXXX after I noticed it was in my credit report. 
I reached out to iq data international and they were rude he wanted me to pay more then I saw on my credit report. I've tried to settle this many times. He was demeaning towards me being very abrasive towards me. Aggravated my XXXX and XXXX. Due to this unforeseen matter it lead me to be homeless for several months had to reach out to the VA, it leads me to denial after denial. I've done my due diligence to the my country and the XXXX. I've attempted many times again to resolve this before it reached my credit report. I request that this be removed because not only because I'm still not stable but this is impacting my health also. I've been to therapy on many occasions because of this matter. I seek resolve immediately so that I can start my life back on track mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After multiple attempt to resolve issues with my Credit report with Equifax through online/certified mail/and phone calls Equifax refuses to remove errors on my account. They also are not investigating my account thoroughly and sending me a letter of their findings. When I dispute my account what is happening now is they will resolve the dispute hours after I submit it. I know XXXX well they have not contact any company of am asking for this company to remove my personal information out of there system and remove all illegal information from my reports. I know they have not received any documentation in that time frame thats unacceptable. My personal information has been compromised twice with this company through a data breach and they have yet to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Public Record - Today I contacted the District of Maryland located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX with the phone number XXXX They informed me that they do not supply information the third parties. How did you verify this public information? Chapter XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/2016 ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Global Lending Services LLC
State: IN
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:
I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : XXXX XXXX, GLOBAL LENDING SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX 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 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Debt collector continues to call me, after asked not to, disclosed information to family member.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: Santander Consumer USA Holdings Inc.
State: CO
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 applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX Santander offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. Santander would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. Santander needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if Santander offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Second Round Limited Partnership, Austin, TX Branch
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, collector representative came to my door with debt collectors papers with my name on it, she demanded payment, she wanted my ID and told me : " XXXX, XXXX '' threw the papers on the floor and told me to pay!!!!! embarrassing me infront of my neighbors 3x screaming, of all my neighbors, screaming. I was born in XXXX, I do not look like I was born in XXXX, I am XXXX and had a XXXX it is very difficult to open my door. The car she was driving did not have plates, she covered them with paper. 4 door small sedan. I sit in my kitchen window and she came to my door Saturday and Sunday. This company has done this two times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition they have called my home over XXXX times in the past XXXX mos. I have land line and they do not stop calling. I told them everyday, this is not XXXX and they keep calling early hours XXXX am and now they came to my door. Please help me STOP the. This debt is not mine and they know it, they have the information, this XXXX is in California. I need help in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent several letters to XXXX XXXX XXXX and XXXX XXXX XXXX about the debts listed with their companies. I have asked repeatedly for the actual applications from the company they are collecting for. I get the bills and letters stating that the debt is valid. They have severely damaged my credit to the point I had to hire a credit repair agency. And they are charging me {$1000.00} an account and it's four accounts. I can not afford to have this incorrect information on my credit report due to my employment. These accounts have damaged my reputation so much that I can not get promoted due to the negative accounts. 
JCPenney is {$570.00} XXXX XXXX is {$350.00} both with XXXX XXXX XXXX. Letter sent XX/XX/2018. XXXX XXXX XXXX has these accounts XXXX {$330.00} and Sychrony {$1000.00}, Letter sent on XX/XX/2018.

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 2017-10-20
Company: EQUIFAX, INC.
State: CA
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:
For the past three months I have been attempting to have an item that was incorrectly placed on my credit file removed. After several unsuccessful attempts with the three major credit bureaus I contacted the Consumer Financial Projection Bureau ( CFPB ) for assistance and received some assistance and relief. XXXX responded to the CFPB and claimed to have contacted all three major credit bureaus to have the error removed from my account. XXXX and XXXX promptly removed the error and updated my credit file. However, EQUIFAX is the only credit bureau refusing to remove the item from my credit file. According to EQUIFAX, they have not received information from XXXX to remove the item and will not reinvestigate the error or contact XXXX. I am providing proof from correspondence I received from XXXX as well as correspondence sent to CFPB requesting that the error of collection be removed from my credit file. Today I contacted XXXX and EQUIFAX to no avail. XXXX indicated that they have already contacted the three credit bureaus and EQUIFAX has stated that they can not remove the item without contact from XXXX ; however XXXX stated they did contact them and ca n't control the removal filed by EQUIFAX. 

I can not get into my online profile because EQUIFAX is not allowing me to even after I have answered all of the identity questions several different ways on several different occasions. I can not get the help I need via phone and when asked to help access my file online I am told they can not fix it. I am now locked out of my own profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened an investment account with Merrill Edge tied to my Bank of America checking account in XXXX or XXXX. At one point in XXXX I opened a margin account with the existing funds using the Merrill Edge website online. I later closed this margin account on the online website but noticed a few months later that it was still open with a XXXX cent loss. In XXXX of XXXX I called Merrill Edge customer service and told them I had closed the account. The customer service representative assured me while I was on the phone with him that the margin account will be closed that day and that the XXXX cent debt will be erased. In XXXX of XXXX I went to withdraw some funds from my Merrill Edge account and it showed the margin account was still active with an approximate {$500.00} loss. I called the customer service department and I was informed that the margin account was active and that I owe them for the loss. I explained that I had closed the margin account a year earlier. They refuse to give me my funds with no explanation as to why. 

In my complaint I have included two correspondences from Merrill Edge to myself. One is an apology from them to me for their failure to close the margin account per my request in XXXX and failure to provide me a copy of the transcript of that phone call. The other correspondence shows the amounts they debited from my account because of their failure to close the account per my request.

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 2017-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX did a hard inquiry on XXXX XXXX, XXXX. I never talked to or requested information from XXXX. No contact information has been reported by this creditor. I need this taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
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:
XXXX   XXXX   XXXX , I am disputing this eviction because it is wrongfully placed on my credit.   I have been staying in the home with my father for some months, and we have the same name ( I am a  XXXX   ). F or some reason there was an eviction placed on my credit report and I have no legal ties to the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: TN
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 noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation