BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Amount : XXXX  Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : XXXX Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Wells Fargo checking account on XX/XX/2023. On XX/XX/2023 after going through my banking accounts I noticed that the debit card that was mailed to my home address had been compromised because there were unauthorized fraudulent charges made against my checking account at a time when I did not have access to the debit card. I never received a debit card, retrieved a debit card from my mailbox nor did I ever activate any debit cards using any channel. 

Wells Fargo has failed to provide adequate proof that the debit card used to scam my account was in fact activated by myself. I live in a community housing thousands of people and the debit obviously was stolen at some point. Wells Fargo fraud detection monitor also failed to restrict the card that was not activated by its intended user. I am demanding a refund of the funds stolen from my account totaling {$29.00} The investigation that was completed was not done effectively or efficiently if Wells Fargo can not determine that I did not activate the card

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 monetary relief
Consumer complaint received 2023-06-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
No wells fargo didn't have a right to close my account. Right after they just opened it. They keep saying this because they know their in the wrong for how I was treated. Wells fargo was already well aware of me due XXXX XXXX saying untrue things about me to other employees at the bank. My checking account had been open a year and they weren't exercising their right to close it. Until XXXX XXXX falsely accused me of harassing her. While I was in the bank. I had no idea she was even there at the time. I was done wrong and dirty here. By all who were involved against me at wells fargo. XXXX XXXX needs to insinuate that I'm going in wells fargo bank. This didn't happen outside of wells fargo as XXXX XXXX falsely states. I was made to drive to a wells fargo bank to open a new checking account. All whine un known to be at the time. I was being set up to be falsely arrested at the bank. Because XXXX XXXX does everything she can to put herself around me. When the judge told me to stay away from her. I don't go around them anyways. I can't have a checking account at wells fargo due to problems. I had with XXXX and XXXX XXXX when they lived across the street from me. XXXX XXXX was trying to have be falsely arrested. When she purposely put her self at the bank.

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 2023-06-30
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
BSI Financial calculated our XXXX property tax as MUCH more than it actually is. As a result they completely drained our escrow account and then proceeded to overcharge us on the mortgage for three months effectively eating our savings. During multiple emails through the chat site of BSI website, and multiple phone calls I have attempted to resolve this issue with them personally. In order to have our mortgage brought back down to our contracted rate, as well as have our escrow balance refunded. I have received proof which I will attach to this complaint, from my county auditor 's office showing that their calculation of my property taxes was immensely incorrect and they should not be overcharging me. Even with all my attempts to solve this problem directly with my mortgage company they have been exceedingly unhelpful and unwilling to cooperate. Even when I have pointed out to them the multiple lawsuits over the last just four years against them and settlements they have had to pay out for doing this exact same thing. IE : incorrectly calculating property taxes, failing to pay home insurance but saying they have, etcetera. and overcharging on mortgages to other people. They deny and state that they're not doing anything wrong they do not have to refund me they're charging me the correct amount and they just are in complete denial about all the proof that I have found against them. 
Throughout the entire COVID pandemic and the entire time we have owned our house, since XX/XX/XXXX, we have never been late and have never missed a mortgage payment. However due to the fact that we are low income household with XXXX children, my savings for six months worth of mortgage got eaten up and under three months because of what they've done. Now I am a month behind on my mortgage and in jeopardy of my credit score being affected as well as being closer to foreclosure each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: WI
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 am requesting the account with XXXX XXXX be removed from my credit reports The account is not mine

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 2023-06-30
Company: CITIBANK, N.A.
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-06-30
Company: Asset Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Friday, XX/XX/, I contacted Asset Recovery Solutions , LLC via chat after speaking with XXXX XXXX, XXXX and being informed, for the first time, Asset Recovery had my debt. XXXX XXXX gave me reference number ( XXXX ) to give to Asset Recovery. After speaking with Asset Recovery, I was informed by the agent that my file was " no longer '' in their system and they gave me a number to call XXXX. XXXX said they didn't have my file and gave me another number to call. I spoke with at least 5 different debt collection agencies that day and gave out my PERSONAL information over 5 times, only to be told by each representative the same thing - 'they do not have my file. ' XX/XX/, was the very first day that I have ever received any communication from Asset Recovery Solutions, despite being told that my information was not on file. I emailed them back requesting verification, but they never responded. Today, XX/XX/, I reached back out to Asset Recovery via chat and was conveniently told they had my file AND they received my email. 

I asked a myriad of questions for clarification on why I was given the wrong information, why it took so long for them to reach out to me, and what actions were taken for them to now have this debt - considering when I asked, they said they did not have it. The agent I spoke with today is the same agent I spoke with on XX/XX/XXXX. He would not give me any straight answers and essentially, blamed me for giving the wrong reference number during our first conversation ( the number XXXX  gave me to give Asset ) ; yet, he made no attempt to even investigate during our first communications. After speaking with Asset Recovery today, I re-contacted XXXX  and was informed ( again, for the FIRST TIME ) that my file was initially with XXXX XXXX and I could contact them for further information. 

All in all, I have been attempting to verify this debt for MONTHS. I never received any communications from any debt collection agencies until I reached out to them. The only reason I knew of these agencies was because I noticed charge-off on my credit and disputed it. There has been no written or verbal communication with me from the original creditor or any debt collection agencies until I initiated an investigation. I have been given false information, ran around in circles, and ultimately, mistreated. This is severely affecting my credit and I can't get approved for a home because of it. Nothing about this makes sense nor does it feel ethical. I have disputed this numerous times with each Credit Bureau and provided documentation for each encounter. 

I am attaching documentation of my conversations and falsely reported payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and I did not authorize the following inquiries : XXXX XX/XX/XXXX XXXXXXXX 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 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 2023-07-01
Company: Upgrade, 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, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Saturday XX/XX/XXXX at approximately XXXX I went to my local first bank on XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I came to make a deposit into the atm of XXXX XXXX as the atm was counting the money it only calculated XXXX XXXX I canceled the transaction to have the atm return my cash however the atm still only returned XXXX XXXX I am now missing XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and I did not authorize the following inquiries : 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 2023-07-01
Company: HYUNDAI CAPITAL AMERICA
State: MD
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:
On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan. 

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails

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 2023-07-02
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 2 collection agencies trying to collect the same debt that has not been validated as i requested. it is against the fcra act to have two companies reporting the same debt less alone not validating it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Genesis FS Card Services, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The company XXXX changed my payment history this year XXXXXXXX XXXX from all on time payments to late or missed payments from the months XXXX XXXX XXXX. They just decided that somehow I was late on payments that I have been on income repayment program since I withdrew from the university and they loans had been credited back to The Dept of Education. Back in XXXX I withdrew before the new semester started and have proof the loans were sent back. When I contacted XXXX about the issue they said they only collect payment for the dept of education. I emailed copies of my student ledger showing the payments back to the loan but they have not dont anything to correct the loan on my credit report. 

I also was a victim of the XXXX data breach when so many borrowers had their social security number stolen among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed multiple disputes for the same account with Experian credit report. The account was verified as correct after submitting numerous disputes with documents to prove the account is incorrect. The final dispute was submitted on XXXX XXXX, and it was verified as correct on XX/XX/XXXX. The account was disputed as follows : XXXX XXXX XXXX XXXX  XXXX Date verified : XX/XX/XXXX Incorrect : XXXX  : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Please update or remove. The account was included in a bankruptcy filed on XX/XX/XXXX and discharged. I have submitted the discharge order to Experian Credit Bureau. XXXX and XXXX Credit Bureaus are reporting a XXXX balance without a charge-off. The account should not show a balance or charge-off because the debt was discharged in bankruptcy. Also, the account is showing a open discharge since XX/XX/XXXX. The bankruptcy is over XXXX XXXX XXXX and I am not able to establish more credit or apply for a mortgage with a balance and charge-off on my credit report. I am submitting all supporting documents with this complaint.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: KY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXX/XX/2022.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: MI
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 constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

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 2023-07-07
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account with XXXX, XXXX and XXXX. I have sent them proof of address for the time that this account was opened fraudulently in my name yet the account keeps coming back verified. The account address, is linked to an address that I have never lived at before. Although I provided them with an expired Driver License ( obtained ) during that time, a voter 's registration card, and bank statement, all with the correct address during the time the account was created, they will not remove the account. The company did send me an some sort of contract showing that the account was opened online, however the address does not match any address I have ever lived at. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Cottonwood Financial Ltd.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company repeatedly fails to apply payments to my account ; in the attachments are some of the payments I made which they failed to apply to my loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
I Reached out to Experian XXXX and XXXX in Attempt to get them to delete the account on XX/XX/23 and was told I still have A balance with XXXX XXXX account number XXXX which I do not. The account is completely paid off

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