BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About 2 years ago I was banking with Wells Fargo. I had banked with them for well over 10 years. I tried to make a purchase at a food truck and was told my card was declined. I called customer services and was told there was suspicious activity. I verified that all the transactions were ones that I had made. The next day went to XXXX XXXX and my card was declined again. Called again and was told my card was froze. I told them that all transactions were mine again. They asked if there was anyone else that could have called and reported suspicious activity. I told them that the only other person that held a card at one point was my ex husband. He was never on the account and I never added him I just requested an extra debit card for him to use. At this point we were divorced for almost two years. They told me to file a claim and someone would called me back. When they called they told me that they couldnt unfreeze it unless I went in person to a branch. The closest branch to where I live is 40 minutes away so I was reluctant to go but did so anyway. I went into a branch with my social security card, birth certificate, drivers license, and passport to verify my identity. At this point I wanted to withdraw my money and close the account because I did not have access to my account for over 2 weeks. I had to borrow money from family and friends to pay bills etc. I was told in the branch that my ex husband had to be the one to come in and close it. I explained that he was never in the account it was in my name. They said they were sorry but that is what had to happen to lift the freeze in the account.It was a hassle. Thank goodness we are still on speaking terms and he handled closing the account for me. I still dont understand why they froze the account when I verified all my information and brought in all the documents I needed in order to do so. It was easier leaving the country than it was closing that account

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 2022-06-21
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX Account # 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 2022-08-19
Company: Lendmark Financial Services
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX. Ex husband in XXXX or XXXX got car loan. I was to be co signer not co borrower. Vehicle had issues from minute one. Lendmark financial held the loan.

2. Ex and I went to magistrate because bank sued. I wanted them to take vehicle because of issues and they wouldn't. Magistrate didn't even care. Slapped the XXXX onto the slate. Lendmark wasn't even there. No one represented the company. Illegal action one. 
XXXX. I left ex in XX/XX/XXXX. He took that car and my car and left with a friend one day. I never saw cars. 
XXXX. In XXXX we were finally divorced. He never showed for divorce hearings or anything. 
XXXX. I get this on my credit report. I call. They demand payment. Lendmark won't send bills or tell me amount. They won't give me receipts. They won't intentionally stop calling me XXXX XXXX as my last name because I demand it. It is no longer my name. I asked why they didn't go after ex XXXX XXXX and they said he called XXXX and said divorce Judge I was responsible. He never even came to a hearing or responded. There is no legal action but they took him at his word. Told me if I Have issue with it that it is civil. I gave them his address and contact info. Lendmark said nothing they can do with him. 
6. I disputed this on all 3 credit bureaus. Lendmark has it as an open auto loan that has been charged off with way more than what was left on loan. They don't know who I am to pay. They keep saying legal department will tell me at Lendmark. They won't even send me a bill. They said they don't know if I pay judge or them. They want their money. They won't contact ex. They won't change the status to closed on credit report and it just updated XXXX to say that is a new auto loan. They also told me that I have to call different numbers always. I call one and pay then they say here call this one. When I did pay XXXX the XXXX and XXXX the XXXX they said that they weren't sure but they may have to refund it.

6. Banker today laughed when I said I work for the government and need this cleared up. He said I was nothing. I swear the insults are bad as their illegal banking.

7. Proof of payment that they claim they may have to refund because it is charged off and they are taking it illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: MIDFIRST BANK
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: Account information incorrect

Complaint:
Midland mortgage company in Oklahoma, has multiple times reported incorrect information to our credit reports. I have reported to the XXXX and it was fixed for a short period of time then it was all removed. My score has dropped to the XXXX from XXXX because of it. I looked at the reviews online for this company and there is over XXXX consumers complaining about the same problem. Our mortgage was sold to them during Covid. Since they have destroyed our credit it has cost us tons of money! The hit to our credit is now preventing us from refinancing with a different company. I am contacting a lawyer! They have already been sued!

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 2022-06-21
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my wallet and requested a new debit card from Ally bank via their website on XX/XX/XXXX. The website stated that my new card would be delivered via expedited shipping in 1-3 business days. I still did not receive a card on XX/XX/XXXX. I chatted with customer service online, as well as on the phone ( I spoke with both XXXX and XXXX XXXX. They informed me that the website is incorrect and that I would not receive my debit card for another 3-4 business days. They could not provide a tracking number. If the new card arrives in the next 3-4 business das as promised, I will have been without any access to my money for 10+ days. 

I trust the information provided on Allys website to make decisions about my finances. Ally failing to ship my new debit card in the timeframe they promised me as caused me considerable trouble and stress. I am very upset about this situation and I would like my new card sent immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Paramount Recovery Systems, L.P.
State: GA
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:
This debt does not belong to me as it randomly popped up on my account.I do not have any knowledge of this debt and have tried to dispute it with all.They are not authorized to collect a debt that they have not validated.I have asked for validation containing my signature.That shows this debt belongs to me and have yet received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today XX/XX/22 I got an email from TD bank saying my new account should be ready for online and app use in 24 hours. I called td bank and the rep helped me and reported it. 
She gave my websites and telephone numbers to report it as identity fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Southern Auto Finance Co
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I am writing to delete the following information in my file : SAFCO XXXX It shows that this account was opened in 2015. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the accounts from my file. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX Balance : {$390.00}

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 2022-11-24
Company: CNG FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
A company called Axcess Financial whom Ive never heard of says Ive taken out loans with their company. Ive never taken a loan out in my life. I contacted XXXX and XXXX notified them of fraud. I was told the loan originatated from a location in Texas, I live in California. After Axcess Financial was contacted by XXXX, I was sent a letter from Axcess Financial stating that they verified my identity by sending a One-Time Passcode to a phone number. Getting ahold of Axcess Financial directly seems to be an impossible task which Im assuming is done purposely to keep people from calling their company out on their business practices. Please help me remedy this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Ability Recovery Services, LLC
State: PA
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, You are breaking the law! 
On XX/XX/2022 I disputed the following account on my consumer report with all three consumer reporting agencies, XXXX, XXXX, and XXXX. 
ABILITY RECOVERY SERVICE Account number XXXX On XX/XX/2022 I received a letter from XXXX with the results of the investigation which came back that this account was inaccurate and it was deleted from my consumer report. Pursuant to 15usc 1681i ( A ) 5 ( D ) any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. By law each reporting agency is required to uphold the same accuracy. 
On XX/XX/2022 I received an email from XXXX stating that a new collection account was added to my XXXX report. This was the same account that was already deleted by XXXX and XXXX ABILITY RECOVERY SERVICE Account number- XXXX Also, Pursuant to 15usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions to whom it relates. I never gave any written consent for this account to be furnished on my consumer report. Therefore, you had no permissible purpose to have this on my report which is also a violation of my rights. I demand this inaccurate account be deleted from my consumer report at once! 
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 explanation
Consumer complaint received 2022-07-27
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX XXXX closed on this loan with the sale of this property ... .. XX/XX/XXXX for amount of {$78000.00}. 

The account is still showing as open and I am billed monthly for a payment which is on an automatic withdrawal. I have faxed several 'signed ' documents to them providing proof of closing and several other documents from the title company and forms that they have provided. 

I have been dealing with this since XXXX of XXXX spoken to several agents including an escalation to their 'Executive Resolution Desk ' with a conversation on XX/XX/XXXX assuring me that the issue was going to be resolved stating that I would receive a call back to confirm ... no one ever called back. This happened on at least 2 occasions ( promise of a callback. ) I called again today XX/XX/XXXX and spoke to 3 agents. One person from management, she stated that I needed to fax the Payoff Statement again because there was no record of it showing on their system. I faxed it on XX/XX/XXXX at XXXX and have the fax confirmation provided to me at one of their branches. 

Every time I call I receive a different story and the runaround. No one in the HELOC department at this credit union seems to know how to handle this issue.

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 2022-07-27
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Kings Credit Services XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/2021 Re : XXXX XXXX XXXX XXXX Reference # : XXXX Amount Due : {$710.00} XXXX XXXX XXXX Debt Collector, XXXX I swear that I've never done any business with this agency, and I called them over ten times to dispute this false claims, and yet they have put a very negative mark on my credit report ; I

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: NJ
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:
When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 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 2023-08-08
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This ALDOUS ( XXXX XXXX XXXX ) collection has been paid and is inaccurately reporting on my XXXX report. I have sent multiple complaints to have it removed. It has been removed from XXXX and XXXX so now it is in violation of 15 USC 1681eb for inaccurate reporting. I have attached my last dispute letter to transunion.

Company response to consumer: Closed with explanation