BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
After paying our car loan with Well fargo Dealer Service XXXX CA for the month of XXXX XXXX we receive a call that stated that our payment was still outstanding because they had applied some insurance to our auto loan. We explained to the representative that we have always carried ins with XXXX XXXX without lapses. She state it was a easy fix and for us to call the insurance company to have them send over proof of insurance which we did the same day and call back the next day to be sure it was taken care of. The rep assure us that all the charges would be remove. and because this was an error it would not be reported on our credit ( This was very important because we were in process of getting a home loan and needed our credit to remain constant ). However, on XXXX XXXX XXXX we find that Well Fargo have placed a 30 day late report on our credit that caused our credit to fall XXXX points and our chance for the American Home Dream to slip away. When we called to ask what happen to this very simple correction they gave us several excuses and apologize only to say it would take them 30 to 45 days to correct after we submit a written dispute, again prove ins, send copies of credit reports and show credit when down before they would take this off of our credit reports. We have fought very hard to restore our credit and have waited 7 years after a forclosure to bring up our credit and to be able to buy a home again, only to have a big bank come along and wipe out our chances without concern for their error or the detriment that it cause hard working, bill paying American families. Any help you can offer in expediting this credit restoration would be very appreciated Thank you in advance for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ga -- XXXX XXXX acct # XXXX Fax XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
M y Mother and Father p assed away in early  XXXX . My mother had an IRA with Discover Bank worth  XXXX  ; in which I was a 33.33 % beneficiary. Discover Bank instructed me to send a letter of instruction and both death certificates. All pages were faxed to the IRA dept. on  X/XX/17   . I called for confirmation, and they did receive everything, on  X/XX/17   . Discover Bank informed me that it would take  7- 10  business day to process. On  X/XX/17   , I inquired to the status,  XXXX , from the beneficiary care team, said it would be anot her 3-5 d ays. On  X/XX/17   , I uploaded another letter of instruction to Discover Bank through my secure documents section, concerning this matter. As of this date and time, it has been 27 days and no correspondence or activity has begun. This is unacceptable time for Discover Bank to handle a beneficiary request with the proper paper work sent. I understand that a beneficiary has no right to any account transactions, while the account holder is still alive ; but when you have a POD account set up ; and the account holder dies, then the beneficiary does have a right to their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
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:
XXXX   XXXX   XXXX   XXXX  show me being late on payment s 180+ d ays from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  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 2017-12-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency Experian, XXXX and XXXX several times.

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 2020-11-30
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency is attempting to collect a debt from me that I am not aware of and they have not provided me with relative information concerning why they thin I owe this debt. 
Therefore, I am disputing the referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. by providing me with the following : 1. The full amount and complete accounting of this debt 2. Proof you are licensed to collect debts in Michigan or under what authority you claim to collect this debt in the State of Michigan, 3. Proof of the last payment on this account 4. Why Calvary Portfolio believes I owe this alleged debt Because I am disputing this debt, until a proper investigation is completed and this debt is validated the information concerning this debt is assumed to be inaccurate.Calvary should not report it to the credit reporting agencies. If they have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act 1681s-2. Should Calvary pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on yo
ur failure to comply with the FDCPA.

Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: CT
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:
Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. I have not purchased anything from XXXX Since XX/XX/2014, XXXX fraudulent orders were placed on my account subsequently for XXXX products which I have no use or need for. Prior to these orders being placed, XXXX was advised to close account. However, request ( s ) were ignored and orders were placed thereafter. There is tracking info for only XXXX of the XXXX orders, supposedly signed for by XXXX. For the record, I do not ever sign my name as XXXX. The XXXX order, also an XXXX product, does not have any tracking info or a signature. XXXX was advised numerous times that I did not place these orders and did not receive them. Several affidavits were sent in, however, nothing done and insist I continue to send in additional ones which I refused to do. Complaints were filed with XXXX against XXXX and XXXX as well as with FDIC, CFPB ( Consumer Financial Protection Bureau ), all unresolved. They insist I pay the debt for items I did not order or receive and claim to have " thoroughly investigated '' the orders. Their " thorough investigation '' consists of verifying billing and shipping address which proves nothing. Obviously the billing and shipping addresses match, otherwise the orders would not have been processed and shipped. I have not ordered anything from XXXX since XX/XX/2014 because their prices are extremely high, you can find most of their items for less at most retailers, their service is VERY poor as I have described above. Please advise Schlee & Stillman , LLC I refuse to pay them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: NY
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 submitted a complaint because I am a victim of identity theft, my credit report shows fraudulent information

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 2016-03-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Other

Complaint:
I thought I was applying for a balanced transfer but instead it was a cash advanced. In addition they never calculate or show during the process a fee for a transfer ( actual cash advanced ) the amount for the transfer ( cash advanced ) until after the transfer ( actual cash advanced ) It says transfer everywhere, they talk of balance transfer, no mention anywhere Cash Advanced, I was told 3 days later at the bank office it was not a Balanced Transfer but Cash Advanced. different fees, different monthly payments every month. How deceptive. I was told by someone in the Corporate office I could get it changed once I paid it off. Give me a lie then I have to pay for that. Why are they allowed to run a XXXX XXXX like that? 
Solution : They should be made to place cash advanced description on there website in big bold print, capital letters. There is a reason its not there. How sad to deceive people in such way, why are they allowed to even have a banking business.

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 2023-07-22
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An amount of XXXX $ had to be paid that I forgot to pay but now I paid the full amount still collection is appearing on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXX XXXX  acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX Bank : Account number XXXX Credit Account XXXX XXXX  : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Discover Bank : Account number XXXX Credit Account XXXX XXXX : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX  XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, 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:
As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and XXXX XXXX  and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dispute letter 1 I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you removed these items as soon as possible as it affecting my current situation. I am trying to better my situation and move into a new apartment with my son.

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 2022-09-10
Company: Phoenix Financial Services LLC
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:
File a dispute with XXXX which DID NOT investigate this and left it unchanged. This account is the result of identity theft and XXXX is refusing to correct it. Phoenix Financial deleted it from other credit bureaus. 
I initiated the dispute on XX/XX/XXXX, and by XX/XX/XXXX their " investigation '' was done. However, you can see by the dates below, which show on my credit report, that no investigation took place and the account was last updated on XX/XX/2022. 

Account info : PHOENIX FINANCIAL SERVIC Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$1.00}, 334 past due as of XX/XX/2022. 
Status updated : XX/XX/2022 Balance : {$1300.00} Balance updated : XX/XX/2022 Recent payment XXXX XXXX XXXX Monthly payment : {$0.00} Original balance : {$1300.00} Highest balance : {$0.00} XXXX Months On record until : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for the last two ( 2 ) months to get an extension on my short sale approval letter. Last month on XXXX/XXXX/2015 my lender had me do an amendment to extend the purchase contract and here it is almost a month later, and my short sale negotiator states that someone dropped the ball. Meanwhile, my buyer 's money has been sitting in escrow for the last two ( 2 ) months and my buyer is not willing to extend the purchase contract. I have reached out the negotiator and his supervisor and have not been contacted back. I can not tell that the bank is working to assist me the consumer in foreclosure alternatives. It appears that they are pushing me toward foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
XXXX XXXX, XXXX XXXX ( late payment ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( late payment ), XXXX XXXX XXXX, AL XXXX ( remove address ), remove all of the following unauthorized hard 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

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 2016-02-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I would like to file a dispute with Wells Fargo Auto Finance. Wells Fargo is negatively reporting a debt owned on credit reports that has already been satisfied from a insurance settlement. The debt is invalid which is evidenced by them releasing the lien of my vehicle and giving me the title. I currently live in Illinois which is a title holding state and a title is not released until loan is satisfied. I have reached to all three credit company 's to dispute this issue but was not able to get it resolved because Wells Fargo is stating that the debt is valid.

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 2016-03-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX has initiated mortgage assistance on the wrong loan. She constantly looses information and fails to get the right loan number and property address right. Initiating a request of this nature on the incorrect mortgage can lead to serious problem. This is another example that mortgage companies like Wells Fargo needs laws in place to make sure they are following proper procedures. This organization is totally incompetent and operates in a manner that 's dangerous to every consumer.

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 2015-10-14
Company: Windham Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX re-aging of a moot and alleged debt AFTER fallaciously assuring the CFPB that they would 'cease and desist ' on XXXX 2015. This is a massive violation of the FDCPA and FCRA. NOW it has caused me to be harmed and injured by being declined for employment with the XXXX Life Insurance Company. I am currently appealing the declination.

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