BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My first child was born in XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX  XXXX   REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank 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 explanation
Consumer complaint received 2022-03-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 6 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2020-02-14
Company: Synovus Bank
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was paid in full to First Progress on XX/XX/20 in the amount of XXXX. It was paid directly to First Progress Card and not a collection agency. The account is paid in full and has a XXXX balance. I have verified this several times with XXXX and they refuse to correct the information. First Progress has also refused to verify the correct information with XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: U.S. BANCORP
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I started my accounts with XXXX XXXX XXXX XXXX  in XXXX and had checking, saving, credit card, and the Line Of Credit ( LOC ) accounts. 
My LOC had a limit of {$40000.00} with interest rate of XXXX XXXX XXXX 
In XX/XX/XXXX I received a notice from US Bank increasing my LOC interest to Prime + 2.99 %. On XX/XX/XXXX again I received another notice that they intend to increase my interest rate to Prime + 8.74 % effective XXXX 
After my call on XXXX  using my Opt Out option US Bank confirmed on XX/XX/XXXX that my LOC was cancelled and the interest rate would stay the same until my LOC balance of about {$29000.00} is paid off. 
Since then I have paid my minimum payments as direct withdraw from my account and my recent LOC balance is about {$5000.00} and the interest charged is 11.49 %. Withdraws from my US Bank and later XXXX XXXX accounts have been executed few days before due date and never been late or defaulted. In spite of my credit rating of XXXX, US Bank ( during Covid19 period ) without proper notice cancelled my credit card and checking account, and later I closed my US Bank saving account and had the payments made directly from my XXXX XXXX account. 
Thank you in advance for your consideration and help.

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 2023-02-09
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: Account status incorrect

Complaint:
My XXXX XXXX account XXXX, is inaccurately showing as a collection account on all three of my credit reports even though its in good standing with the company and each violations of this is XXXX dollars per day until its fixed and I need to have this fixed as I am trying to purchase a home. Attached are all the documents showing that the account is showing up as a collection on my credit report which is in violation of federal law and has made significant impacts to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: GA
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:
From XX/XX/2013 until the present date the company XXXX has been reporting information about me to XXXX, XXXX, Esperian, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized XXXX to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted XXXX with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent XXXX XXXX a letter opting out the sharing of my personal information because I am a XXXX XXXX XXXX and this information might place me in danger.

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 2023-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened up my first credit card with Wells Fargo. For that card, I wasnt able to pay and my account was closed. Then I got a letter in the mail saying I was being charged {$100.00} for that month. I never consented to this or set up those payments to be done. I called and told them if I can cancel and they transferred me to XXXX XXXX XXXX where they told me that those payments have nothing to do with them and to contact Wells Fargo because they cant do anything about that on their end. They said they were just the debt collection agency that Wells Fargo handed over my account. They told me to call them back to work on a settlement when I was done with Wells Fargo charge. Wells Fargo says there is nothing they can do after I told them all this. Months go by and I try to reach out to Wells Fargo to see if this can be resolved. After months of this, I call again and Im more persistent. I keep getting transferred and eventually hung up on. I keep persisting and one Wells Fargo member does admit it is strange and things arent adding up. I told them that if hypothetically I did forget and set up payments, that would not explain why first source says im still in full debt and need to pay them. Wells Fargo wouldnt have given my account to XXXX XXXX if I was paying. And if im still in debt, where is the money going to. I have been with the stress of this situation for months and I have been losing money. A Wells Fargo was able to stop future payments which I asked why that wasnt done for me in the first place when I asked. I then tell them that I want this to be investigated and I believe there is fraud involved. I get to talk to some executive who says I now have a case and there will be an investigation. He did apologize for the stress this has caused me and I will be reimbursed. They just got back to me saying they are not going to reimburse me and my case is closed. I know I didnt set up those payments and they werent going towards my credit card. Money was just lost.

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 2020-02-14
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect. Debt was removed and keep reappearing in error in 2019 ( {$460.00} 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 2023-01-20
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:
By the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. Account Name : XXXXXXXX XXXX Account # XXXX. And account Name : XXXX XXXX Account # XXXX. Has violated my rights. 15 U.S.C 1618 section 602A. States I have the right to privacy. 15 U.SC 1618 Section 604A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1618s-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 explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
HELLO, HAVE HAD MY CREDIT TOREN UP. 

WITH THE USA.EXPERERIAN.COM. 

FOR THE, XXXX  XXXX XXXX. 
CREDITOR XXXX XXXX {$930.00} OFF ACCOUNT INFO ACCOUNT NUMBER XXXX COLLECTIOM OPENED XXXX XXXX2019 TYPE FACTORING COMPA THERE TWELVE LATE PAYMENTS DO FROM THIS FACTORS. 

TAKE ALL FAULT REPORTS OFF MY CREDIT SCORE. 

THANK YOU. 

HAVE A NICE DAY.

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 2023-02-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am filing this complaint against PayPal Credit as they closed by account in either XXXX of XX/XX/XXXX without notifying me after I had gotten behind on one or two payments which I had made arrangements with PayPal Credit to pay and I had kept my arrangement. They made me think my account was still open, but they had actually closed it without my knowledge in either XXXX or XXXX as I wrote. 

To my surprise I found out that they were still charging me late fees and interest each month including in this month of XX/XX/XXXX with late fees of XXXX each month since they closed it in XXXX which I thought was not legal and I need clarification on this because from my conversation 's with other 's in the industry I have been informed that banks or credit cards do not continue to charge late fee 's and interest once an account has been closed. 

It seems as if this is being done in order to hurt me or being doing with malice and without any consideration to a customers problems whose business they sought. I informed them that I had to temporally stop working to help with a family that is over 100 years of age, but they do not care and continue to add these amount 's to my account although they closed the account. I therefore feel they are being very unreasonable and again doing something that I did not think was legal. 

When my account was closed I was over my credit limit by about XXXX. Now they have me owing almost XXXX when my credit limit was just XXXX. I have tried in good faith to ask them to stop charing late fees when my account is closed and stop adding interest to this account but they refuse to do so. Therefore I am seeking your assistance with 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 explanation
Consumer complaint received 2018-09-04
Company: RMS-Recovery Management Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, On XX/XX/XXXX a company out of XXXX Illinois reported a collection/chargoff notice on my credit report for the amount of {$19000.00}, with a listed account number ending in XXXX. This debt is listed as originating in XXXX, 11 years ago. This is not a valid debt as I have never been responsible for this debt or its repayment. This is an attempt to sabotage my credit in order to intimidate me to pay back a debt that I have never signed for and am not responsible for. Please help me remove this fraudulent attempt to smear my credit. I am happy to answer any questions you may have and I appreciate any assistance you can provide me. 
This collection company is unable to provide any signed documentation that proves I am responsible for this debt as I never signed any type of agreement associated with it. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There is an account on my credit profile from CAPITAL ONE BANK with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my XXXX XXXX XXXX per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and CAPITAL ONE BANK would make me legally bonded to any debt that they may claim. I have never provided any wet signature or XXXX XXXX XXXX to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I have not received any debt validation notice from CAPITAL ONE BANK as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that CAPITAL ONE BANK has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, I sent certified letters to dispute charge-offs on XXXX, Experian, and XXXX credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, I sent certified letters to dispute charge-offs on XXXX, XXXX, and Transunion credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.

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 2023-02-13
Company: Grain Technology, 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:
Heres my previous complaint number XXXX In this complete address, multiple issues I had of the company. The company they respond in a quick manner however, the resolution was unjust and does more damage to my credit profile because of their mistakes. For an acceptable solution, for this problem would be to remove the account off of my credit profile, because it has displayed more than one inaccuracies, and a company has not, and will not seek validation on correctly, and these issues with the incorrect report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a Wells Fargo customer since 2002 and since then I have been charged overdraft fees for things that were held and processed only after the funds weren't available. This has happened many times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I've contacted XXXX and USAA to have these fraudulent items removed. USAA has requested XXXX not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

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