BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
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 was a victim of identity theft and have created an identity theft report, police report, as well as a dispute letter with credit bureaus to have the incorrect information removed from my credit file in XX/XX/2021. Despite my efforts, Experian refuses to take my information. 

I've sent the information via notary, created multiple identify theft reports after being told mine wasn't accurate because it did not have enough pages ( it had all the pages I was given ) and the information was revalidated without giving me any sort of documentation to validate that it was in fact me. 

This is causing me severe harm as I am unable to qualify for many things due to the delinquency of the accounts.

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 2022-01-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2017-08-16
Company: Stellar Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is trying to collect a debt that was the result of identity theft and or unauthorized use. I have never authorized XXXX XXXX to bill me for any services or products. I have attempted to talk to the company directly, however ; no one in the customer service department was willing to help me. I have already filed a report with the FTC and have provided it to the credit reporting companies. I have included a copy of my Identity Theft Report filed with the FTC and have forwarded the complaint number to the local authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check in the amount of {$2400.00} into my Wells Fargo account though the ATM machine. On their website it states that a deposited check clears the next business day. However, that 's not what happen with my check, I was told and it shows on Wells Fargo site that my funds will be posted into my account on XX/XX/2016. 
This is a long time to hold on too someone 's money, especially when that someone has to pay bills before XX/XX/2016. I spoke to different people from Wells Fargo and was told different tells about why my check was placed on hold. But on their site it states that the money is being held because of the overdrawn chargers within the pass six months, which are only XXXX. The last one was only for {$6.00}. I suspect that is just away for them to hold on someone 's money. With the electronic transfers now a days things should be done a lot faster. I think there should be a class action lawsuit against Wells Fargo and any others banks that pull this type of garbage on their customers.

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 2017-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has put an address on my credit report that is neither my address or a valid address. I have tried to dispute this address information with Experian but am unable to use the online function and do not receive a response via mail.

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 2017-01-13
Company: M&T BANK CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been fighting for my home for 8 years now. It all started off with predatory Lending.From XXXX In XX/XX/XXXX I made XXXX and was approved for XXXX loan which I did not see the money. then in XX/XX/XXXX I received a foreclosure notice. I file for bankruptcy in XX/XX/XXXX until XX/XX/XXXX. then I lost my job. ( From XX/XX/XXXX until XX/XX/XXXX my bankruptcy attorney and XXXX Attorney took my house payment they said in " Good Faith ) Then in XX/XX/XXXX I found out they had sold my house to a new lender ( XXXX ) then in XX/XX/XXXX when XXXX tried to evict me and the judge told them they could not evict me because they had sold my home while I was in a stipulation to stay in chapter XXXX bankruptcy. I recieved a Quit Claim Deed and the house was transferred to me for XXXX ( XXXX ) amount. then when I went after XXXX in Federal Court they could not prove ownership ( and neither could XXXX ) my case was dismissed with Prejudice ) and I Remained in my home. In the county Records it states that the home is mine XXXX transferred it to me. Now their is Wilmington trust and XXXX that claim they are to new own and is the note holder the problem with this is there is two different NOTE and the DEED OF TRUST that they have states pay without prevision to XXXX. now Wilmington Trust and XXXX is trying to take my home through Summary Judgement. And they are not a trust connected to my home. The loan number does match and a XXXX for Wilmington Trust stated to me that 'They are the Big Bad XXXX Boys From California and they will get my home '' Im sure that Wilmington Trust has been hit with all kind of housing, deeds and Note fraud. I just want someone to hear me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: World Acceptance Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are numerous debts on my credit report from XXXX XXXX. The debt have been paid and are noted as a charge off. this is hurting my credit report. the accounts need to all be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: NJ
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 have a host of hard inquiries that I have previously reported to be fraud on three credit reporting agencys reports. I have no knowledge of these inquiries. 
Inquiry : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Sentry Recovery and Collections, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea why this company is reporting to my credit reports. I never received anything in writing indicating any type of amount owed, the right to dispute it, etc.

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 2015-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am trustee for my mother 's insurance trust account. I have a Wells Fargo checking account XXXX that I use XXXX a year to pay the premium for the insurance policy set up in this trust.. I have never had a debit card for this account. I keep over {$1500.00} in the account so that fees will not be charged. Once a year I make XXXX large deposit and write XXXX large check. 
I had a balance of {$2000.00} in the account after the check was written in XX/XX/XXXX for that year 's premium. The bank does not mail statements to me nor do I access the account online. On XXXX XXXX, as I was preparing to make a deposit and write a check, I discovered that the balance had dwindled to almost nothing. I immediately contacted bank officials, met with a bank official at my local branch bank and filed Claim # XXXX requesting full restitution of the balance of {$2000.00} that was in the account.. Somehow someone had accessed the card number..XXXX assigned to this account and since XX/XX/XXXX was using the card number to make automatic payments to XXXX XXXX. All of these charges were coming out of my checking account. Of course I expected either Wells Fargo or XXXX XXXX or both to reimburse the money that was stolen from my account. Bottom line, Wells Fargo is responsible as far as I am concerned. Banks are responsible for having adequate security systems so that clients ' money is not stolen while it is in the bank. Banks should not expect clients to be responsible for poor security when the client has done nothing to cause a security breach. That is the bank 's responsibility. 
However, on XX/XX/XXXX, XXXX XXXX XXXX, Senior Vice President of Claims Assistance Center of Wells Fargo, wrote a letter to me refusing to pay the entire amount stolen from the account - he agreed to pay {$1000.00}, which he said was the amount charged in the 60 days prior to my complaint - for XXXX and XXXX. He claims that I should have been monitoring the account constantly and should have reported the discrepancy within 60 days. Because {$2000.00} was stolen, then {$2000.00} should be returned by Wells Fargo. They owe me the other {$1000.00} plus monthly service fees that they have charged due to a less than {$1500.00} balance. XXXX XXXX letter stated that they had removed any service fees, but that had not been done as of XX/XX/XXXX. Of course because of their refusal to replace the stolen money, the account balance is below {$1500.00} although it should be {$2000.00}. Surely they will not charge me service fees because they have refused to bring my account balance up to what it should be..

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: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received an application to apply for an XXXX XXXX XXXX XXXX XXXX with no annual fee. I applied twice over the phone. I later went back to check and barclays customer service, security, and Applications all state there has been no application filed. I also checked my application status on Barclays web site it says the same thing the it gives me a phone number to call. I call it. But, no one can find my application. So I did the process again online! This time I received proof that my application was being processed! So I checked my computer again and it says there is no record of my application. It gave me the same number to call. I called. No one could still find it. Now, I have another card with Barclays but this card has an annual fee. After 3 years, I tired of a annual fee! My customer id is 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 explanation
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX my home was damaged by water due to a leak in the hot water heater. The insurance company came out and did their estimate and paid the claim. Wells Fargo is refusing to endorse the last payment of {$2600.00} for me to finish the work on the house. Stating they need a inspection done on the house. This has Taken over 2 months to do.

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: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Currently, I have a mortgage loan in progress and the inaccuracies on my credit report are affecting my ability to move forward. There are two accounts on my report that have been charged off, XXXX XXXX XXXX and XXXXXXXX XXXX The XXXX XXXX XXXXXXXX account was charged off in XX/XX/XXXX which is the last status date that XXXX XXXX XXXX reported to Experian. Experian has reported the charge off status each month since XX/XX/XXXX as a new reporting. Also, there are no charge off reportings for XX/XX/XXXX through XX/XX/XXXX. So, they stopped then started this action. What they are doing is incorrect and has stalled my report so that the score does not increase. Once the charge off is reported by the creditor it should not repeat every month as if it were a new status. This is re-aging the report and will constantly keep the score from increasing! This same action has occurred with the XXXXXXXX XXXX account. It shows charged off in XX/XX/XXXX and every month after that it appears as a new charge off status. XXXX has not reported this account since XX/XX/XXXX. Experian does not legally have the right to keep reporting the charge off if the status has not been updated by the creditor! THESE ARE CLOSED ACCOUNTS AND THIS ACTION IS ILLEGAL! THESE CREDITORS ARE NOT REPORTING ON THESE CLOSED ACCOUNTS SO THE CREDIT BUREAU SHOULD NOT REPEAT THE CHARGE OFF EVERY MONTH! The charge off should not be repeatedly reported after the creditor reports the last status date. I am attaching a copy of the accounts on my report so that you can see the issue. I would like to have these accounts removed on my credit report so that the score can increase to what it should be. This needs to occur immediately! 

THIS IS THE THIRD TIME I HAVE MADE THIS 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 2015-08-20
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card
Issue: Billing disputes

Complaint:
My ex-husband used our joint credit card without my permission or knowledge during the period of late XXXX XXXX through XXXX. I have repeatedly attempted to get Well 's Fargo Financial Cards to send me a copy of the itemized charges for my upcoming court case with my ex-husband. I have supplied them with my social security number, address, date of birth, security questions. However, my ex-husband reset the credit card with a PIN that I do not know. The credit card has been cancelled and is now in collections. I am attempting to get this resolved and have taken him to court over the credit card. I had a court date scheduled which was re-scheduled and I was instructed to obtain the itemized charges prior to my next court date of XXXX XXXX, XXXX. Well 's Fargo Financial Cards will not send this to me because I do not know the password PIN. Due to him resetting I can not possible provide this. Well 's Fargo is attempting to collect the debt from me because I am the primary cardholder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a car loan financed with Wells Fargo Dealer Services acct number : XXXX under the name of XXXX. Vehicle loan was paid in full since XX/XX/2016, they advised I should receive XXXX within 30 days ... it has almost been 150 days!!! I have called them numerous times, all I get is : we have an Issue with your title, let me transfer you to the department that is handling your case??? Until today,, Friday XX/XX/2016, I have not received my XXXX, a letter, a call, an email, or anything on their behalf ... What 's going on??? Every time I call them, they disconnect my call!!! Please help!!!! Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-01-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$1800.00} Status Collection account. 


This account is listed as 4 separate collections on my XXXX, Experian, and XXXX credit files. I have reached out to the credit bureaus on multiple occasions to fix this inaccuracy to no avail. This is a SINGLE account in collection not 4. This debt collector - XXXX XXXX XXXX- is reporting the single account as 4 separate accounts. The credit bureaus need to properly reflect my credit accounts and remove the 3 duplicate accounts.

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 2016-10-31
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Multiple calls says it 's in regards to a " financial matter '' Message says that it is for XXXX ( XXXX ) not my last name " XXXX '' When I attempted to call the number XXXX to have me removed from their call list I reach a voice prompted dead end. 
the call is from XXXX reference # XXXX my phone number is 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 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$1800.00} Status Collection account. 


This account is listed as 4 separate collections on my Equifax, XXXX, and XXXX credit files. I have reached out to the credit bureaus on multiple occasions to fix this inaccuracy to no avail. This is a SINGLE account in collection not 4. This debt collector - XXXX XXXX XXXX- is reporting the single account as 4 separate accounts. The credit bureaus need to properly reflect my credit accounts and remove the 3 duplicate accounts.

Company response to consumer: Closed with explanation