BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$750.00}

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 2022-07-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Om XX/XX/22 we opened a line of credit with Zales/Comenity Bank and made a purchase for {$670.00} on a ring to be special ordered due to sizing. I never received a card from Zales/Comenity. I made the first payment of {$80.00} on XX/XX/22 ( there was a {$30.00} charge for a late fee ). On XX/XX/22 the ring came in but was not the correct size. At the time, I returned the item and canceled the transaction. I received a receipt from Zales the order was canceled. I am in the process of obtaining a VA Mortgage Loan and the status of this account is currently the only item holding up the process. The mortgage company asked that I lower the balance due to less than {$400.00}. There was a " planned outage '' with Comenity that they have not received the refund credit nor applied it to the account. I made another payment of {$230.00} on XX/XX/22 to bring the balance due down to less than {$400.00}. I have requested through multiple avenues to have the account rectified and a letter or statement advising the updated payment and balance. Comenity is advising there is nothing they can do for me at this time as their systems are not working appropriately. At this point, I am owed {$280.00} from this bank as after the returned item and refund I am continuing to make payments to satisfy the VA request. We are XXXX  days out from closing and need this rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Allied International Credit Corp., (US)
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im being harassed for a debt I do not owe. My identity was stolen and they drawing my unemployment and opened bank accounts and also was on the internet creating accounts. I have NEVER used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to cash my payroll check via the Huntington Mobile app on XX/XX/23 and I checked the verbiage on the app to be sure there were no temporary holds on funds. Nothing was stated, so I made the digital deposit. After my check was submitted I was informed that it would be held for almost an entire week ( until XX/XX/23 ). I reached out to both my local branch, and the customer service line and both informed me that there was nothing they would do to make my funds available. 

I depend on my paycheck for food for our family and fuel to get to work and now have to go without meals for a week and need help for transportation to my job. This degrading situation could have been avoided if they would have stated that payroll checks were subject to long holds and would not be available. 

To add insult to injury, after I finished up with customer support telling me they refused to remedy the problem, I received a promotional email from Huntington telling me to make a mobile deposit to have funds in my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
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:
I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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 2019-09-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly emailed Wells Fargo Mortgage company. I have taken screenshots of any and all emails that I have sent via their online email service prior to sending any and all communication. I stated that I was in the process of selling the home. I also stated that they made an error by denying the now deceased homeowners modification and owed the estate {$12000.00} per lawsuit and settlement. Wells Fargo has repeatedly denied this and stated that the home is in foreclosure and that the estate owes Wells Fargo. I have repeatedly requested the calculation for the error responsible for the modification denial and illegal foreclosure that Wells Fargo is attempting at this time. Wells Fargo is refusing to provide me with this calculation stating it is " confidential, privileged and / or proprietary information ''. Based on the fact that Wells Fargo is attempting to illegally foreclose on homes, public policy takes precedent over any proprietary concerns of a simple mathematical calculation, especially when it has already been proven to have been in error. There is no novel concept that could possibly be used for the good of society in this manner and protected yet foreclose on homes illegally. That is protecting corruption. That is deceptive and unfair trade practices at its worst. After demanding the calculation and Wells Fargo refusing, they then stated that they " verified that she does not have permission to receive information ''. This was sent on XX/XX/2019 ( see attached ). A day after their attorneys IN FACT verified that I am the legal executrix on file in the county courts ( please see the attached ). Wells Fargo is attempting to illegally foreclose on property. I have stated that I am attempting to sell said property ( I have these screenshots of this email communication ). Wells Fargo has repeatedly lied and acted in bad faith, which I have on record, both recorded voice and documented thoroughly.

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 2019-05-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please correct my XXXX Credit and all credit reports including Equifax and XXXX to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting 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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ". Under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the Guster law firm and spoke with XXXX XXXX who said it was a XXXX XXXX account for an outstanding judgement for {$5400.00}. 

I do not have a XXXX XXXX account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Mid-Minnesota Management Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
1. Central Resources is a debt collector who prematurely attempted to collect a debt. 

2. In violation of the FDCPA, Central Resources continued their attempt to collect the debt after receiving a notice to cease and desist. 

3. Central Resources appears to be an unlicensed debt collector in WA state in violation of RCW statutes 19.16.110 and 19.86.020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am disgusted with your lack of action regarding the invalid accounts on my credit report. Despite my repeated attempts to resolve this issue, you continue to ignore my requests and maintain inaccurate and unverified information on my report. I find it unacceptable that you have verified the XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$5200.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2900.00}, and XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$3900.00} accounts while the other bureaus have already removed them from their records. It is clear that this information is inaccurate, erroneous, incomplete, and unverifiable. I demand that you take immediate action to delete these accounts from my credit report, as required by the Fair Credit Reporting Act. Failure to do so will result in legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Payments that were marked late by your company for the following accounts : XXXX XXXXXXXX XXXX Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, 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 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/23 at XXXX I received an email from Capital One stating " Congrats on opening your new 360 Performance Savings account with Capital One. '' I did not open any accounts and do not have any accounts with Capital One whatsoever. I called Capital One fraud protection service and the account was flagged for unusual activity, I received another automated email from Capital One stating that a copy of my ID will be needed to continue using the account, or it will be closed in 14 days. I obviously will not be sending them my ID, however I do not know if a copy of my ID is in possession by the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CIG FINANCIAL LLC
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: Account information incorrect

Complaint:
XX/XX/XXXX, I Received a letter from CIG financial, dated XX/XX/XXXX, stating that they'd received my request for DEBT VALIDATION. My recent commitment to the knowledge of commerce has made me aware that, not only was the company paid in full the day I left the lot, but to demand 'payment ' of a 'debt ' by FEDERAL RESERVE NOTES , is unlawful and impractical, as the FRN has had no backing of value or substance since XXXX. Furthermore, considering the fact that purchases made with an OPEN END CONSUMER PLAN ; there is no offset, which is even more proof that my vehicle was PAID IN FULL the day I left the lot. However, please note that I have not received ANY correspondence that reflected the intention of repossession, and I'm aware it is unlawful for them to do so.

The unlawful enrichment of companies who bank on the ignorance of the uninformed consumer need to be held accountable.

The removal and reinsertion of Delinquencies on the credit report is all but a further example of how this company knowingly violates the laws set in place to govern it. 

My car was stolen yesterday, while visiting family in XXXX Georgia. There was a police report filed ( see attachment ) as well as a claim submitted to my insurance company. The police have still been unable to locate my property. 

Considering the fact that CIG has never VALIDATED the alleged debt they continue publish ; each time being FRAUDULENT use of my 'credit card ' ( as it is defined in the Truth In Lending Act ) ; I would hope they are not the ones responsible for the disappearance of my property. This type of damages would be worth exponentially more than what this company continues to falsely claim I 'owe ' them, however ; i have mastered the art of representing my XXXX XXXX XXXX in the XXXX XXXX, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the collections agency below to advise that this is not my debt. I asked for proof of contract etc. I was hung up on. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX several times and it has not be proved to be my debt no removed. I called XXXX  XX/XX/XXXX asking what should be my next steps. I was told to contact Medical Business Bureau again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Medical business bureau back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Medical Business Bureau. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX  and medical business bureau and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud. 


Medical Business Bureau, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Phone : ( XXXX ) XXXX Medical Business Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Medical/Health Care {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 explanation
Consumer complaint received 2019-10-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX of 2019 I contacted XXXX XXXX XXXX services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX services today and they state that the accounts are closed and with XXXX  balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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