BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian is taking a XXXX on me and their subsidiary, CFPB since XXXX. 
They ignore my requests to show me my credit report because they messed it up, and my credit score too, and CFPB is doing absolutely nothing to compel them to comply with the law.

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 2022-11-18
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I hired a husband/wife by the name of XXXX XXXX and XXXX XXXX to perform renovation work on my home. To start the renovation work they requested XXXX to purchase materials and in return I requested their credentials and XXXX license. During the city permit request process, I realized the XXXX license number provided by the couple belonged to a dead person. I notified the couple and requested return of the XXXX I paid them through the ZELLE APP available through XXXXXXXX XXXX account. They disappeared with my money and I proceeded to open a police report which is actively being investigated by a detective with the XXXX XXXX XXXX police department as A FELONY CHARGE. I also notified chase bank and ZELLE of this theft by deceipt criminal act by XXXX XXXX and XXXX XXXX. I was also able to confirm that the XXXX payments I made went into a verified bank account which belongs to XXXX XXXX. 
A verified account means ZELLE and XXXXXXXX XXXX have vetted and authenticated XXXX XXXX. 

XXXX ) So why is ZELLE and XXXXXXXX XXXX not looking at the balance sheet? 

XXXX ) Why is ZELLE and XXXXXXXX XXXX allowing XXXX XXXX and XXXX XXXX to steal from customers by condoning these criminal acts being performed through a verified account? 

XXXX ) ZELLE policy is not available on the XXXXXXXX XXXX app, why is XXXX endorsing and advertising a service that they did not get themselves? 

XXXX XXXX and XXXX XXXX are thugs and utilizing verified bank account for their malfeasance which means the bank is condoning their criminal acts. This criminal act by XXXX XXXX and XXXX XXXX did not take place in a foreign land, it happened here in the United States and I am sure this is not the first time XXXX XXXX and XXXX XXXX have utilized a dead person 's XXXX license information to steal from people. Their account should be flagged for fraudulent activity. 

ZELLE and XXXXXXXX XXXX  are no different from the the XXXX XXXX XXXX XXXX because they are all liable, lack accountability, and XXXX fraudulent acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: NY
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion and  XXXX  has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score d rop dramatically.  XXXX   XXXX  is the collection agency and the original creditor is American homes for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.

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 2022-11-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am the POA and court-appointed conservator for a checking account holder at Wells Fargo XXXX I became her POA in late XX/XX/XXXX. Upon reviewing her financial records, it was apparent that there were fraudulent checks clearing her account from XX/XX/XXXX - early XX/XX/XXXX. In fact, a letter was found from Wells Fargo Fraud dated XX/XX/XXXX stating that there was potential fraud and that the account would only be unfrozen if the accountholder contacted XXXX. I went to a Wells Fargo branch on XX/XX/XXXX to provide the POA agreement and notified them that there was check fraud occurring that amounted to over {$50000.00}. I was told the POA agreement would be sent to Legal for review. On XX/XX/XXXX, I returned to Wells Fargo to get statements and sign for the account ; that documentation was being processed but I received the copies of the checks. On XX/XX/XXXX, I returned to the branch and asked to make a fraud claim to attempt to regain the funds. I was told I was not yet added to the account so I could not do so. I returned again on XXXX and was told the POA was not yet processed even after explaining the urgency. On XX/XX/XXXX, I went to the branch to sign additional documents and was added as POA. Checks continued to be presented on the account and some were rejected for fraud. One check did clear the account for {$4500.00} on XX/XX/XXXX. Why was this allowed to happen? Why did Wells Fargo leave an account open that was clearly compromised? It is extremely difficult, if not impossible, to speak to someone at Wells Fargo who can address this. I have called and I just get passed from one department to another. Branch employees are not able to help with fraud. My client has losses of at least {$61000.00} and Wells Fargo has still not taken a fraud affidavit. I felt that making a written complaint was my only option at this point to see if someone will at least speak to me and explain why appropriate measures were not taken and why I was not permitted to file a fraud claim.

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 2022-11-18
Company: The Receivable Management Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Receivables Management requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Receivables Management to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. These charges are fraudulent, my rights have been revoked.

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 2016-05-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, XXXX medical issues and XXXX % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is XXXX % less square footage This is a Securitized, Stated Income ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also diagnosed with XXXX XXXX all in a condensed period of time.

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 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a statement in XX/XX/2022. It said the account is suspended but to make a payment of {$180.00} to reinstated. I went ahead and made a full payment. Capital one did not reinstated my credit card. I called them and the lady XXXX stated that there was a letter sent in XXXX stating that if the payment is not paid by XX/XX/XXXX then the account will be closed. I explained to XXXX the letter was not received. I live in Florida by the end of XXXX beginning XXXX we had went through hurricane Ian. XXXX stated the letter was mailed on the XXXX and I explained with everything going on I never received it. The XXXX statement was sent XX/XX/XXXX. By sending the letter with a due date of the XXXX of XXXX and then sending a statement with a due date of XX/XX/XXXX and indicating it will be reinstated. XXXX should automatically oversee whatever the XXXX letter stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with XXXX ( XXXX ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. XXXX suggested that I log a complaint against such institution here at cfpb Companies are listed as below : CastlePayDay - {$1500.00} https : //www.castlepayday.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2022-11-18
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for an extension of credit on XX/XX/2022. I was denied and received my adverse action letter on XX/XX/2022 stating that I would not be granted any other terms or credit. The action was based in whole upon negative and inaccurate information in a consumer report obtained from XXXX in which I have disputed. That information can not be used to determine an extension of credit as it is unlawful to discriminate based on any aspect of a credit transaction that was done in a good faith effort to apply and be extended credit. I contacted customer service on XX/XX/2022 requesting the reasons why I was denied besides info in a consumer report and was told I can not speak to anyone else and the decision was final. I filed a complaint with the FTC and the report number is XXXX. I now have an inquiry on my report as of XX/XX/2022 that is not associated with a firm offer of credit from Mercedes Benz financial and never gave anyone permission to report this inquiry as I have received no credit or benefits as of XX/XX/2022. Any and all proceeds, debentures, and dividends generated form this transaction should be sent to the address listed on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Told us this was about fixing debt and said they would do a soft reporting that is actually a hard inquiry and it was mis leading stating that it would be to look at credit now we have a million people calling us because they have sold our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
When asked to verify my identity with various questions, the questions were not correct and the answers I gave were not correct although I know them to be the correct answers to questions asked. I therefore can not have my identity verified nor receive my credit reports.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2021-09-25
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 invalid incorrect data on my credit report due to a CREDIT FILE MIX WITH A PERSON WITH A SIMILAR NAME. I have contacted Experian about this merging of accounts that don't belong to me and addresses that I have never lived at, received mail, or recognized newly appearing on my credit report overnight. I demand for this information to be immediately deleted : Fraudulent ACCOUNTS THAT DONT BELONG TO ME : - XXXX opened XX/XX/XXXX - XXXX XXXX XXXX opened XX/XX/XXXX - XXXX/ XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX FRAUDULENT ADDRESSES THAT I NEVER LIVED AT/ BELONGS TO ANOTHER PERSON - XXXX XXXX XXXX XXXX nc XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX tx XXXX THESE ADDRESSES ARE ATTACHED TO ACCOUNTS THAT DONT BELONG TO ME BUT A PERSON WITH A SIMILAR NAME DIFFERENT SOCIAL SECURITY NUMBER! PLEASE HELP ME GET REMOVED!

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 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 has removed two falsely reported late payments that are still showing up on my XXXX and XXXX reports, despite many attempts to correct the issue. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I used Care Credit to pay for my XXXX  XXXX in XX/XX/2022. It was a 2 year payment plan with no interest and I have been paying the monthly payments with autopay. I had a balance of {$1100.00} in XX/XX/2022. On XX/XX/XXXX, they charged me {$1200.00} in interest alone as soon as the 2 year mark was reached. The interest rate is more than 100 %. When I called, they refused to waive this interest even after I offered to pay my balance in full. For a credit card company that is for XXXX, this is outrageous, and they did not even alert me about this prior. How do you charge someone more interest than their account balance? This is very unethical and will bring financial hardship on my family. I would be grateful if you can help me with this. 

Thank you,

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 2015-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency XXXX & Experian I contacted the creditor XXXX to get help to resolve this mistake. XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at XXXX and Experian & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX XXXX of the President XXXX. Here is what XXXX was told by XXXX " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to XXXX by phone and fax and to Experian by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both XXXX & Experian despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX and provide contact information for XXXX XXXX at XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief