BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was scammed i cashed XXXX checks of {$1400.00} that were fraudulent and i didnt know. I sent {$1600.00} out of the XXXX checks and the rest remained untouched. The bank took back all XXXX checks to which i owed a total of {$1600.00} to Wells Fargo. I have XXXX accounts with wells fargo my checking and my savings, all the money was taken from my checking and i acknowledge what i owed and was trying to pay off the debt to close the account and move on. After XXXX weeks of being transferred from department to department no one could help me, what ended up happening was they took what i owed from my XXXX  account to pay it off. Now my savings account has still been untouched but they where still closing it, in my savings i have a total of {$2600.00} ; i called the loss prevention line and they said i can pick up the funds to close the account permanently ; when i went to get the funds they said that the bank had taken it and will not give back saying that i owed that much ; when in fact i didnt owe anything other then the {$1600.00} since Wells fargo had taken the uncashed checks directly out of my checking ; this is my first time being scammed and i have been treated like a criminal, they will not work with my on anything and nobody knows what they are doing over the phone. My savings is my money that i dont owe to anyone so their is no reason for Wells Fargo to be saying that i owed that on top of the {$1600.00} i have statements that show i didnt spend the other checks and statements confirming Wells Fargo took the uncashed checks out, i payed what i owed and now their saying i owe more this has been nothing but a childs game for the past month ; i want my funds from my savings as i dont owe Wells Fargo anything after the {$1600.00} was payed back to them of the fraudulent money.

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 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I'm recently just finding out a credit card was opened in my name with Bank of America. I see it's on my credit report. It's saying the card was opened XX/XX/2021. AND I owe a balance of {$880.00}.

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 2023-08-11
Company: EQUIFAX, 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 reached out to XXXX, Equifax and XXXX regarding accounts that should not be on my credit report that have been reported as identity theft. The accounts have not been removed and the company has not provided documents to validate that these accounts do belong to me after requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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 am a victim of identity theft. I have a police report and sent letters in regards to this matter. I have never had credit cards or an account with XXXX XXXX. This is in regards to both accounts below : I have attached a copy of my police report with XXXX police department. Police report XXXX XXXX XXXX XXXX Original credit : XXXX XXXX account XXXX XXXX {$2900.00} XXXX XXXX XXXX Original credit : XXXX XXXX  account XXXX XXXX {$5600.00} XXXXXXXX XXXX  account XXXX XXXX {$2900.00} XXXXXXXX XXXX  account XXXX XXXX {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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:
I have noticed that some unauthorized inquires are being placed on my credit report, which i do not know anything about.reporting inaccuracy on consumer report is unlawful and this violated my consumer right. I hereby want a full review on my report and quick removal of all the listed unauthorized inquiries. 

XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( finance ) XX/XX/2023 XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( bank ) XX/XX/2023 XXXX  XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: IL
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, Equifax, and XXXX continue to report inaccurate information on the account known has XXXX  XXXX XXXX. The account is charged off which means it is now a cancelled debt which per the IRS is considered a certificate if indebtedness which income can not be reported. 

The reporting agencies are reporting several inaccuracies. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Credit Limit : {$350.00} {$350.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX  XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and Equifax are reporting late payments from XXXX XXXX XX/XX/XXXX and XXXX reports a late payment for XX/XX/XXXX. 

XXXX is reporting a collection for XX/XX/XXXX XXXX is not reporting late payments are collection. 

None of this account information matches therefore this account has not been properly reported or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Global Lending Services LLC
State: CA
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 to the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681-604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor many 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 2023-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TN
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/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 2023-08-14
Company: U.S. BANCORP
State: CA
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:
I have a hard inquiry from us bank that I did not do

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 2022-12-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX XXXX XXXX '' and do not have a contract with " XXXX XXXX XXXX '' they do not provide me with the original application like i asked.

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 2023-08-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got total loss in my car and the insurance company payoff the full amount of the vehicle but for some reason I have the wrong information in my credit report about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/2022 - XXXX advised me that I am eligible for PSLF based on my payment history, and in order to qualify, I would have to consolidate my loans at MOHELA. I completed the application on XX/XX/2022. 

XX/XX/2022 -- MOHELA advised via email and letter that they are my new servicer and show a total dollar amount of my loans, but no loan detail is provided. 

XX/XX/2022 -- MOHELA advises my PSLF is declined because they have not received the loan detail and payment history from the Department of Education. 

XX/XX/2022 -- I contacted MOHELA Customer Service and was advised to wait 30 days and follow up with them. 

Followed up on the following dates and still no resolution : XXXX, XXXX, XXXX, XXXX Almost all of my loans will qualify under PSLF. MOHELA needs to correct my PSLF standing and process the request accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Early Warning Services, LLC
State: NJ
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:
The following Inquiries are NOT mine and i never gave permission or authorization to pull my credit : 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 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt I have reached out to XXXX  the original owner of this account, transworld system and XXXX. I never received any information for what this was for I dont owe this company I paid my rent until I left and I dont have any past due bills at this place also there were no damages that were sent to me and I have videos and pictures of my move out and I was not given my deposit or given a breakdown of why which is illegal. This is a fraudulent debt that this company is picking up and they dont and still have not provided me what this is debt is for every time I call I get no answers for what this is for they just say they are waiting on the originator to send them the information. But I know its illegal to report a debt on someones credit without any knowledge of what the debt is for. I will be taking this company along with transimunion to court this is ridiculous and it has been over 45 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was looking over your news letters and saw that you sued Portfolio. That doesn't surprise me. I have sent many rounds of disputes of Portfolio and it always comes back verified. I send copies of my proof and still. I didn't think to file a complaint with you all. I should have. It seems you guys just take statements from both sides and do nothing. I have yet to get a favorable outcome with CFPB. 

Portfolio is brutal. They are preventing me from obtaining a loan on my home. I am a XXXX Vet and I need help financially. But because of incorrect reporting, now I have inquiries. Crazy stuff man. 

I'm glad you sued them. I hope I get the opportunity to sue them. Maybe that will be just enough to help me out. Anyway, thank you for all you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I see by your articles in your page that I am not the only one that struggled with Credit Acceptance. That car was overpriced and I struggled from day one. I lost my job and went downhill from there. Three weeks ago the repossesed it and said i had to pay {$9000.00} to get it back and keep the monthly payments. Now I will have a repo on my credit. And Im a XXXX XXXX doing XXXX to survive. I just wanted to add my story to your file. I know it's been a while since you printed that. It was a XXXX XXXX XXXX And ... ... ..it was reposessed on a street I rarely visit. How did they know it was there? I always wondered that.

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 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I signed a contract with us auto sales. Every payment i ever made is gone. They transferred us over to westlake with the same contract we originally signed basically starting our contracts all over

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Affirm Holdings, Inc
State: CT
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:
On or about XX/XX/XXXX, Affirm placed XXXX ( XXXX ) Notice of XXXX XXXX on my XXXX credit report. I contacted Affirm on XXXX separate previous occasions to work out a payment plan to avoid charge offs, but they were unwilling or unable to help me. The first Notice of Suit/Judgement is for {$100.00}, an amount which was charged off by Affirm on XX/XX/XXXX. My info from my XXXX account states a date filed with the court of XX/XX/XXXX and a date satisfied with the court of XX/XX/XXXX. I live in Connecticut and never received a notice of lawsuit from Affirm and there is no civil proceeding filed in XXXX XXXX XXXX. If they sued me which XXXX indicated they did, they did not bring the action where I am domiciled. 
There is also a Notice of Suit/Judgment in the amount of {$150.00} on XXXX, which Affirm charged off on XX/XX/XXXX. The date filed with XXXX is listed as XX/XX/XXXX and the date satisfied with XXXX is XX/XX/XXXX. Again, if they sued me Affirm did not file the action in Connecticut. 
Also, I was not given 30 days to respond to the charge offs. I want these items removed from my XXXX credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX initiated an internal transfer of loans with the expectation that it would take XXXX weeks before being able to gain access to them. It has been past that point and when speaking to customer service they state they have no updates, ETA, or can advise on what to do beyond checking back each day. They advised they do not have a plan if this issue persists past XX/XX/2023 and could potentially cause customers to accrue interest on higher balances. They have effectively made it where you can not make any payment and do not have a time frame on when they will allow payments to resume. This is causing undue stress for those that are attempting to pay down balances or even pay off their loan balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAINE & WEINER COMPANY, INC.
State: NC
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:
According to XXXX XXXX XXXX, Caine & Weaver is not authorized to collect debt. Therefore, they are operating illegally. 

After calling them to verify the debt, I was transferred three times providing each agent with my information, and they were unable to locate the debt anyway!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Credit Karma, LLC
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested a credit card with guarenteed approval by Credit Karma. 
I put a case in place Number XXXX on XX/XX/XXXX. 
The agent told me I would have an anwer on claiming XXXX dollar guarentee in a few days after they verified XXXX card " XXXX '' refused my card reguest. 
I was refused right after hitting submit and got a letter from card company a couple days later. My credit is rated excellent. 
I emailed Creidt Karma asking why no action has been taken four times. 
No repsonse. 
There is no way to call Credit Karma, no phone numbers work including corporate office. 
I looked on the internet and see that this very issue is being litigated by the FTC. 

I would like a resolution. 
I would like to be party to the penalty Credit Karma is being ordered to pay customers. Large fine set aside. 

Thank you and regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: VA
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:
Inquiries were posted to my credit report from the following companies that I did not make or authorize : 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