BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Through my bank, XXXX, and via XXXX, I sent XXXX, to my brother for medical reasons. I sent XXXX for three months straight, to help him. He just had his XXXX XXXX and lives alone. 

It was totally my error! 
I sent the money to a man in Florida because his phone number was one digit off from my brother 's. 

I understand XXXX can not refund my money because I made the mistake. 

However, when I contacted the gentleman in Florida who's phone number is similar to my brother 's, he returned my money to his Wells Fargo Bank. Wells Fargo told this gentleman, that it would be returned to me. They gave him a case number and two reference numbers. They did not give him a reference number for the third and final return of the XXXX. 
When he returned the final XXXX, they said this was a fraud case and made him change his account number. 
This statement of fraud confuses me, because nobody is taking money from this gentleman. 

After I first spoke to the recipient of my money, I made a report with my XXXX bank. This report should still be on file. 

Next, I went to Wells Fargo with the case number and reference numbers, to see if they could tell me where my money is. I asked them, when will I receive my money? 

Wells Fargo said, they can't look up the case number, because my identity can't be proven. 
I offered to give them my bank information, my social security number, driver 's license, and/or my birth certificate. They said sorry, we can't help you. 

I went back to my XXXX bank to see if they could assist me. 
They said they can't retrieve my case and reference numbers from Wells Fargo, either. 

Bottom line is, Wells Fargo has my XXXX and I need it back, desperately. Wells Fargo refuses to look up my case number, and find out where my money is. 
I don't know where to turn for help. I'm not going to allow a bank to keep my money. Please help me! 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AK
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:
Equifax divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
I have fraudulent accounts reporting on my credit proflie please remove immediately

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 2022-03-02
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:
I sent a letter to TransUnion in regards to XXXX XXXX XXXX XXXX I have not heard back from TransUnion or XXXX XXXX XXXX this debt is not mine nor one of the company can verify this information with my signature on any document. This other letter has been delivered to both TransUnion 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 2017-09-01
Company: Lending Club Corp
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a loan on XXXX XXXX, I got several emails from the company and calls I bent over backward getting them my personal information XXXX each time I spoke to someone over and over again and they verified phone numbers for my employment. I gave them all the correct information and private information. I spoke to someone on XXXX XXXX at XXXX they once again asked for my employers phone number. I spoke to them and stated that we are in different time zones and also made them aware that we work XXXX. an hour later I got a denial letter stating they could not verify my employment. I called to speak to someone and ask as to why when I gave them all the correct information and they stated that they had never called my employer to verify. That my employment phone number was not a number they could check. and could not explain to me why. Every time I spoke to them I yet again had to verify my self and give my social and birthdate and once again all my private info and no one could explain to me why I was being denied. 
this company is bogus they should have recorded conversations as to me calling them each and every time. Harassing me through email and the phone on additional info needed and still not approving me for my work number and not once did they call my company to verify my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Novad Management Consulting LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I paid {$9300.00} to Novad on behalf of HUD with cashier check. According to my bank, the check was cashed on XX/XX/2021 but I didnt get proof of payment or release on my house title. I called several times to Novad and emailed to HUD but no response. Novad has been saying someone specialist will call you in 4 business days but no one called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has sent me a debt over and over and over again I count five times in the last six months I have told him repeatedly at least three times not to contact me again and this is not my debt and that I dispute it Today they sent me another letter Im not gon na do this every other month with them for the rest of my life they are violating their business license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
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 improve my credit and I have disputed a public record XXXX  XXXX discharged bankruptcy Ref XXXX with Experian Credit and I have yet to be able to resolve. It shows the bankruptcy as discharged with a file date of XX/XX/XXXX and resolved XX/XX/XXXX. I also disputed this same account with XXXX and XXXX who have removed the item from public record. Experian investigated and informed me " this item remained unchanged from our processing of your dispute in XX/XX/XXXX. On record until XX/XX/XXXX ''. I have not been able to dispute the account on my public record since 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 2017-09-01
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:
Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.

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 2022-07-19
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XX/XX/XXXX {$12000.00} XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX XX/XX/XXXX {$34000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$7200.00}, 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. 

15 U.S.C 1681x. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: EQUIFAX, 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:
Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXXXXXX XXXX XXXX  Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one bank closed my account and did not send me the balance amount of {$4000.00}. 

They closed my account in XXXX, XXXX. It has been more than 3 months. I contacted them after every 10 to 15 days. Every time they promise that they ll send me the check in few days. Its so frustrating. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I need every cent of my money in this hard time. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX I have sent dispute letters to Experian XXXX and XXXX and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.

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 2020-06-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
CHRYSLER CAPITAL SHOULD FACE LEGAL, CLASS ACTION CONSEQUENCES FOR DAMAGING CONSUMERS DURING COVID-19 PANDEMIC. Our family makes its living from the Corporate Travel business, which was completely shut down due to the government travel bans locally, nationally, and globally ; as well as, stay at home orders due to COVID-19. At the inception of the pandemic, we immediately and proactively reached out to our creditors, citing a willingness to work together in an equitable fashion, to try to meet our obligations. We expressed how important maintaining our credit standing would be, so we could attempt to sell our home to get to equity. We also suggested an abated payment period with accrued interest and a balloon at maturity. Our multiple calls to Chrysler Capital ( which are recorded ) fell on deaf ears, and our credit report reflects delinquencies, now causing us declines for loans that would assist us in downsizing our expenses. Chrysler Capital never offered any assistance, and placed numerous, hounding collection calls. Now we are met with 30, 60, and 90 day delinquencies posted and our credit score and comments damaged. We have expressed that we are still willing to work together, and have also cited that under Texas Law, contract frustration, impracticability, impossibility, force majeure, and government intervention are all defensible, which, if we don't receive some sort of partnering effort, will be invoked to render the contract obsolete. Many of our creditors have been empathetic, and have abated in equitable fashion, and have noted our account as always current, and affected by natural disaster. Please force Chrysler Capital to work with consumers to get through this. We are all in this together!

Company response to consumer: Closed with explanation