BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Previous address on my credit file is incorrect and needs to be deleted asap. 
Experian XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA 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 2017-10-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
Wells Fargo refused to honor a check, written on my business line of credit, claiming account could not be found, Check written on XXXX XXXX account, dated XX/XX/2017, amount {$520.00}

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 2020-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called citizens one bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On none of the occasions was I granted my 180 day mortgage forbearance covered by the cares act due to covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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 fraud alerts or security freezes

Complaint:
Having trouble getting in touch with the credit bureau to have the fraud alert removed from my profile

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 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Truist bank decided to close my bank account I had funds remaining in the account When I went to the bank to figure out what was going on all I was told is that truist decided to end a banking relationship with me I would like to restore this banking relationship as soon as possible As a police officer I need to bank with the closest bank thats to my house which is Truist So I would like to restore this banking relationship 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 2015-09-29
Company: Duvera Billing Services, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a computer through XXXX Computers in XXXX and they pushed me to purchase the computer through Duvera Financial who was doing business as EasyPay Finance. They told me that the loan would be for 90 days and the installments would be finished within the 90 days. I recently found out that this was a lie and I am now being charged 189 % interest on my original loan. I received a contract that I had never seen or signed, but was digitally signed. Also my address on the contract is incorrect. Because of the incorrect address, which I assume was entered by the store clerk as I have never lived at that address, I had a terribly difficult time accessing my file within EasyPay Finance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have notified Experian many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.

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 2022-07-26
Company: EQUIFAX, INC.
State: OH
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:
There are unknown accounts that are being reported on my credit report. I have not applied for these nor I had any business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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:
experian and XXXX has my whole credit report screwed up see the ftc and all documents to settle my case pls XXXX XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX all not mine addresses

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 2015-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
After being denied a secured credit card through XXXX, I was redirected to get a free copy of my credit report through Experian. I have tried multiple times to complete the application and continue to be stopped by " unable to process your request ''. I have used there online system and phone system several times ; as well as spoke to a supervisor by the name of XXXX, who could not help me resolve this issue and continue to redirect me to another site for a " free '' credit check or pay for membership. As a consumer I have the right to a free copy of my credit report when it is used in an application. Theory have left me at a dead end and I can not find anyway to resolve it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
Company: The Best Service Co.,Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Best Service Company has been harassing me trying to collect a debt I do not owe. Although the original creditor sent me a letter XX/XX/XXXX stating that they did not have any record of the alleged debt this collection agency has been harassing, and report negation information to the credit bureaus. I am also here, reporting the unfair behavior of XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, New Mexico for telling me on one hand that they did not have any record of this alleged debt, and on the other hand allowing their collectors to harass me XX/XX/XXXX. 
Enclosed is a copy of the letter from the original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a loan at springleaf finance and received an email that I was approved for {$5000.00}. Per the email approval it was only dependent in employment verification, income verification and identity. 
I delivered everything they asked for then was told I was denied based on credit. The email they sent was deceptive. As obviously they was some other criteria it was dependent upon. I am happy to provide the email approval and the other they email they sent stating it was based on credit. 
They were specific in their approval letter and I was denied based on something else. I find their actions deception and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Robinhood has decided to end their relationship with me I would like to restore that relationship I am a multi millionaire thats interested in investing in the best application Out there to buy and sell stocks which is Robin Hood so I would like to restore this relationship as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX I got a bill from Erc a debt collector I responded and told them I never did business with at & t I filled a police report reported it it XXXX I looked through my credit report and found an address that wasn't mine so I flagged it I received a letter from Erc that said they didn't find fraud the address is XXXX XXXX XXXXXXXX XXXX XXXX nc XXXX I live in XXXX NC don't know where XXXX XXXX is had to look it up never visited this place in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
I had XXXX chase credit cards that I paid on time for years and then I had a XXXX incident that caused me to lose my income for 21 months and then only received a fraction of my pay from an insurance policy due to my XXXX leaving me totally XXXX. I was unable to pay chase per our agreement and the account became charged off. I received a letter and a XXXX from chase in 2014 saying my account was written off and I paid taxes on the amount owed per the XXXX. Chase also reduced its tax liability by counting my account as a bad debt and saved paying Corp income tax on the amount I owed them. My problem is that chase still reports every month to all XXXX credit angencys that I owe them money that is not true and my credit score is being reduced by XXXX XXXX points due to this vindictive policy. I am unable to buy a house, send my daughter to college or buy a car due to this reporting of a settled debt as not settled and currently late which is not true. I called chase offering to give them money if they would correct there error and they refused my offer and said even if I paid that they would not reverse the XXXX. I believe that would be a violation of tax law. Any help you can provide would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: BlueChip Financial
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have been contacted from the number XXXX XXXX and XXXX XXXX and threatened for non payment of loan, which was paid. The company did not give a name but they said it was a law office in XXXX XXXX California and said a sheriff would be sent with paperwork if not today, in a couple of days. I stated what they were doing was against the law and they said it was n't. Please stop this company and their tactics.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX : I called chase to file a fraud/scam that occured. I was scammed and sent someone money through XXXX  from the chase app. I called chase right away, the funds are still pending then.I was on hold for more than an hour. I wanted to file a claim, the representative who helped me got some info, and in the end, i was told that they do not have a XXXX  protection, therefore, am not able to file a claim and they can only post it as inquiry. 
This is a serious matter and I wasnt taken seriously. He even said it at first, that the funds that was sent was still pending so they may be able to stop it.Chase did not help me at all to get my money back. It was {$2000.00}. And thats alot to me. I made a mistake falling to scammers but i called my bank right away, hoping that they can protect my funds but nothing was done. Not even a claim but an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Upgrade, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report UPGRADE INC has violated my rights In accordance with the fair credit report 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company and they are unable to provide me with the information on my collection account. I need to validate that this account is mine. 

Please provide the following : Details about the creditor to whom the debt is currently owed : Their name and address, the account number they are using for the debt, and the amount owed. 
Details about the original creditor when the debt was created : If the debt originated with a different creditor, provide the original creditors name and address, the account number they used, and the amount owed to them at the time the debt was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from their official name. In addition, please tell me when the current creditor obtained the debt and who the current creditor obtained it from Verification and documentation : Please provide valid documentation to demonstrate that I am required to pay the debt to the current creditor ( e.g., a copy of the written agreement that created my original requirement to pay ). If the debt belongs to someone else, please provide verification and documentation to show that I am required to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have been working on my credit and fixing it for over a year, to refi my car loan with XXXX XXXX that had a huge intrest rate. I got my credit to a XXXX and was ready to start looking to refi. Well I am a Wells Fargo customer and have had over XXXX in my account for months, credit card with them, saving etc. I got an email from them stating " good news since your good standing with us you have been approved for a refi car loan with us! '' I was happy and started the loan app online. Right when it said at the end, continue, submit or save for latter I hit the " save for latter '' button due to wanting to talk it over with my Husband first before continuing. Well the next day I got a notification that a hard inquiry hit my credit. I looked it up and it was Wells Fargo! I was so mad, my score went down to XXXX 's! I called the local Wells Fargo, complained, irate and mad and explained what happened. There was nothing they could do, since it was online. At that point I thought do I just go in and see what they can do, or take the hit on my report and go some where else. I was mad and did not want to use them, after they checked my credit with OUT my authorization! I went in and since it was already a hit and checking to see if I would qualify. I got a letter XXXX weeks latter stating that my credit was too low, and had to many collections ( I had not one thing in collections! ) So not only did they check my credit with out my consent, they fooled me into thinking I was already approved and lured me into filling out an app ( even though I did not hit continue ) its still pulled a hard pull and my credit dropped, I was never refinanced and now had to go else where to get credit pulled again to get another refi, with a lower score thanks to Wells Fargos deceit! I called, complained, and they can do nothing! This hard pull cost me XXXX points!!!! I never agreed to the hard pull, SAVE FOR LATTER MEANS, IM NOT CONTINUING NOW, I MIGHT LATTER!!!! It 's not right or fair! Please help 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 2022-07-27
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a complaint due to a request submitted to Equifax to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received any verification documents to prove that this account was ever late! Equifax instead closed the case stating the creditor verified that it was late & that I would receive documentation verifying this which I have not. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was notified of the a XXXX rewards card opened in my name on XXXX XXXX, 2017, via a letter in the mail. I did not apply for this card, and was told to contact XXXX. I did on XXXX/XXXX/17 and received file # XXXX. 

Then I was notified a few days later of a car - purchased in my name in XXXX XXXX, CA. I am a Massachusetts resident. I placed a fraud alert on my credit on this day. ) XXXX/XXXX/17. Since then I was contacted by XXXX XXXX - a fraud investigator for XXXX XXXX. He told me that there are at least XXXX inquiries open on my credit since XXXX XXXX 2017. Including personal loans, and a XXXX card with {$3500.00} credit limit. 

I have requested a copy of my credit report - XXXX. Which should be mailed to me in the next 7-10 business days. 

I have opened a police report with the local authorities. 

Are there additional steps that I can take? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
They continue to report address that belongs to my twin brother not me. 
They have added a employer that is not my employer.

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 2016-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wachovia/Wells Fargo Bank forged and put into place a predatory loan modification in XXXX 2009 and hid the fact from my husband and I, the borrowers for over six years. They also manipulated the processing of our mortgage loan payments, escrow account balances, and annual escrow account analysis all in their quest to foreclose on our home which also was involved in a class action defective construction lawsuit which Wachovia/Wells Fargo continues to ignore all while trying every dirty trick to gain ownership of said home. It also appears that Wachovia/Wells Fargo did not legally substitute the original beneficiary which shows as XXXX XXXX XXXX nor did they legally substitute the Trustee from XXXX XXXX XXXX XXXX XXXX XXXX, a California Corporation. Wachovia/Wells Fargo lower level employees and/or sub-contractors have denied my request to investigate the 2009 loan modification for over 6 years when I still have the original, unsigned modification offer in my files. They then were able to produce a copy of the forged loan modification a few months after the supposed Wachovia/Wells Fargo employee that authorized said modification was no longer employed by them. Every time I request a review of my account and the asked for help from Wachovia/Wells Fargo, I have been thwarted. I have been repeatedly told to re-finance or apply for a loan mod, all while Wachovia/Wells Fargo pursues a foreclosure based upon a forged, predatory loan modification. I demand that the CFPB step in and stop this illegal practice, and review every loan modification that was signed by former Wachovia/Wells Fargo employee XXXX XXXX. Her signature on my forged loan modification of XXXX 2009 is a cut and paste job that was Wells Fargo purposely concealed until after she left their employment. Based upon the original terms of my XXXX XXXX Pick-a-Payment, the current interest rate that I should be charged is and should have been charged is significantly lower than what they have established under the forged XXXX 2009 loan modification. My entire mortgage loan amount needs to be recalculated with the correct interest rate charged, which Wachovia/Wells Fargo has refused to do as they claim that my husband and I are lying regarding the XXXX 2009 loan modification. If I were lying, why would I have the original loan modification offer on the original letterhead in my files?

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 2020-08-04
Company: MiraMed Revenue Group LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
There are 3 items on my credit report from the same company but three different amounts XXXX XXXX XXXX

Company response to consumer: Closed with explanation