BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Wells Fargo Home loan on or around XX/XX/XXXX with all the documentation requested : my bank statement, certificate of eligibility, settlement closing statement from previous home sold, letter of explanation regarding my commute distance. I was orginally handed over to XXXX XXXX from XXXX XXXX. The communication became limited because I started to ask questions. My credit score is XXXX and i am financially qualified. I had received a job offer from the FBI and declined the offer and applied for the Department of Homeland Security and NASA in which i was both referred. I currently work at the XXXX XXXX - thje commute would be 1 hour and 43 minutes. I currently commute 1 hour and 25 minutes. I do not own any real estate and this is the house I desire where my family resides. The problem on them delaying approval is commuting distance. This is my primary residence. I have bounced from representative to representative. I was told during thre process the appraisal was not scheduled, when it was scheduled. This is conflicting views for what the company stands and conflicts with views and values as a U.S. XXXX Veteran. 

XX/XX/XXXX XXXX XXXX XXXX U.S. XXXX Veteran w/XXXX  ) XXXX XXXX XXXX XXXX, AL XXXX Mobile : ( XXXX ) XXXX Attn : Wells Fargo Mortgage Underwriting I am writing this letter only as requirement of the condition of a mortgage approval for the primary residence located at XXXX XXXX XXXX, XXXX, AL XXXX. The following requirements below were verbally communicational to me : o Excellent credit history of XXXX o No current mortgage o Debt to income ratio is less than 30 % o Financial capacity to handle the loan requirement through fulfillment ( VA XXXX ) o Full-time stabilized employment : XXXX XXXX XX/XX/XXXX o Commute Distance : I currently commute from AL XXXX residence to my place of employment at XXXX XXXX, AL XXXX which is 78.6 miles equating to 1 hour and 25 minutes. XXXX, AL will be my primary residence to reside and commune until the Federal government screening process as far as job offers. 
o The commute from my place of primary residence, AL XXXX to place of employment at XXXX XXXX is 105 miles which equates to 1 hour and 43 minutes o Difference in commute is 18 minutes per XXXX XXXX o Applicable in accordance with the Fair Housing Laws-familia status o My previous VA approved home loan : The property at AL XXXX is in a location that makes sense in relation to stable employment contains characteristic that suits the needs of my immediate family. 
o I do not own any other real estate in XXXX, AL nor anywhere else in the USA o Submission of updated COE Respectfully Submitted

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
n accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX 12 XXXX XXXX BANK XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 this is stopping me from getting an apartment, job an continuing my life

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 2016-01-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I recently received a copy of file from ChexSystems. After reviewing the file I find that they are allowing unauthorized access to my file. There were over XXXX inquires to my file that I was not aware of and unauthorized. In addition, they are reporting bank accounts that were charged off and others that should have never been reported. The following banks have inaccurate listings : XXXX, XXXX, and XXXX. As a result of this I was not approved for a business bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days

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 2016-02-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have a BP credit card that advertises rewards for either XXXX, XXXX, or XXXX cents per gallon depending on what you purchase. I have no issues with credit when I purchase gas at a BP station, I get credit at XXXX as advertised. The issue is when I purchase other items, they either reimburse at the wrong rate or not at all. They claim a railroad ticket or a taxi is not transportation so not reimbursed at the XXXX cent rate. Also, they make it extremely difficult to match up a purchase to what was rewarded back to the customer. Purchase history is on one site and reward history on another site and of cousre there are delays in reporting. Then customer service claims they have no view into rewards, which of course is not true, if I can see it they can see it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have a loan amount for XXXX with a CSO fee of XXXX. I have contacted them numerous times to remove the ACH authorization and they are refusing to do so. I am aware that this can go on my credit report and they can pursue collection actions, but I want my ACH authorization removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted Equifax several times already over the phone and I am being pushed back to provide documents that are not required under the Fair Credit Reporting Act. I have sent what is REQUIRED in the case of identity theft. These documents were sent via post mail and I have included the proof of delivery. These documents have been received by Equifax, so the representative I spoke to on the phone is providing inaccurate and false information. I demand that these fraudulent accounts be deleted immediately as this is now damaging my consumer report. The allocated time for resolving this matter is well past it's deadline. Equifax needs to rectify the issue immediately. This has been going on since XXXX now, it is by far compromising my relationships with other firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IN
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: BBVA FINANCIAL CORPORATION
State: SC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
BBVA COMPASS HAS RESPONDED TO COMPLAINT BUT IS ONLY RESPONDING ABOUT ONE ACCOUNT AND IS IGNORING COMPLAINTS ON OTHER ACCOUNTS. ALSO, I HAVE RECEIVED NO CALL FROM AN INVESTIGATOR AND HAVE LEFT MESSAGES AND FAXES FOR XXXX XXXX MANY MANY MANY TIMES AND GET NO RESPONSE. I WANT TO KNOW WHEN TO EXPECT THIS ISSUE RESOLVED. I JUST WANT THE ACCOUNTS CLOSED. AS I EXPLAINED TO " XXXX '' CUSTOMER SERVICE FLOOR MANAGER, THE FINAL DISPUTE OF XXXX TRANSACTIONS WAS DUE IN LARGE PART TO LACK OF COMMUNICATION FROM BANK. CAN YOU PLEASE ADVISE WHEN TO EXPECT RESOLUTION?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16
Company: Experian Information Solutions 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:
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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$210.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-07-16
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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$550.00} XXXX XXXX  XXXX Balance : {$15000.00}

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 2018-01-01
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2014, I purchased a living room suit and a dining room suit from Conn 's Home Plus. A company based in XXXX with retail outlets around the country. I bought my furniture in XXXX. A few months after the purchase, as well as earlier this year, I was between jobs and fell behind on payments. They have proceeded to hound me to death by " blowing up '' my cell phone. I have received as many as ten calls per day, even on days when I answered their calls to explain my situation. Yesterday I received ten calls. Today as I type this at XXXX MDT, I 'm up to six. I have had to turn off the ringer on my cell phone so I 'm not disruptive at work. The stress that I 'm suffering from this harassment is taking a toll on my health. 

Additionally, when I signed for the loan it was for " two years same as cash ''. They failed to notify me that if I missed a payment this agreement would be null and void and I would have to pay the full amount of interest even if I paid off the furniture early. So, I will end up paying thousands of dollars extra by the time I can finally pay the furniture off. I read that CFPB could possibly help me. I hope that 's true!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
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 have been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, 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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted transunion and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX A XXXX XXXX  XXXX XXXX TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX****Balance : {$92.00}

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 non-monetary relief
Consumer complaint received 2022-07-16
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the XXXX Credit Bureaus XXXX, Experian and XXXX have violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has never received my permission and is falsely reporting this Account on my credit report as open with late payments. 

I do not recall opening this account and have any recollection of this credit line or balance reporting. It's labeled as a charge off. It is still reporting as late. Every time a dispute is put in my credit score drops because they add late payments.

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 2018-01-27
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collector : XXXX XXXX XXXX Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Account status : Open Original Creditor Name : XXXX   XXXX XXXX I did went to the XXXX  XXXX XXXX and When I got there, a XXXX  whom were in training poked me 4 times to get my XXXX and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX XXXX sent a fraudulent gold card in my name. I did not find out until XXXX. I filed for bankruptcy in XXXX. In XXXX I called to get statements to pay the cards off and they sent me more statements then I had cards and that is when they told me about someone calling saying they were me to send out a card. Well I paid it not know because they never told me what card I was paying just the amount due. The last time I used my gold card was XX/XX/XXXX. They have removed the charges but I'm still waiting on a refund for the payments I made. The have copies of all statements showing my payments but nothing. In is going on XXXX years the keep telling me the back office is working on it and there are no updates. I have reported it to their complaints department many times and nothing. They keep telling me they will have someone call me and no one has ever called me this whole time. XX/XX/XXXX is when I reported this and to this day no one has called me. I want my money back is is well over a XXXX dollars I have paid on charges that I never made

Company response to consumer: Closed with monetary relief