BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 XXXX XXXX indicates that an account or debt was owed by me in the amount of XXXX. This is not correct and I have not been to a XXXX XXXX XXXX XXXX as it is for children. I am close to XXXX years old and I am not eligible to be seen at these types of clinics. The company has posted that I owe this debt and it is on my credit without trying to contact me in any way. I found out about this just a few weeks ago when it landed on my credit. I could of paid long ago if I knew about this to avoid hitting my credit even if it was not me. I have contacted the company and they were suppose to send me medical records and statements on what I was seen for and if it even was my complete information. I have not received anything from XXXX or XXXX XXXX XXXX. I would like to also add that if my medical information has been compromised wrongfully by this company and I would have HIPAA initiate an investigation on how this occurred and if all companies are following the HIPAA Laws and Regulations.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i HAVE FILED A IDENTITY THEFT REPORT WITH THE TRADE COMMISSION HOWEVER I CAN NOT GET THE BUREAUS TO REMOVE THE INQUIRIES THAT I DID NOT MAKE

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In late XX/XX/XXXX I logged into my credit card app to use my reward points. However I noticed that all my points had been transferred out on XX/XX/XXXX but I did not initiate that transfer. I called and reported this and they saw a new authorized user was added to my credit card which I did not add. The company closes the account and sent me a new card. No fraudulent charges were made yet as they fraudster hadn't received the credit card. Chase told me that they would refund the points but they never came. I've called multiple times and they say it's is being reviewed by marketing but they won't let me speak to the team handling the case. Today I got a letter in the mail saying they will not refund the points that were removed fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I reviewed my consumer reports and I noticed a late payment on the account that was incorrectly documented because I was never late. The consumer reporting agencieshave assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the account that I have included screenshots to this complaint for XX/XX/23. Please investigate and provide proof with statements showing this payment as late. If unable to provide proof, I demand this payment information be Immediately updated to paid as agreed on time, as they should due to the fact that I was never late. Thank you, see screenshots attached.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXXXXXX XXXX. They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD {$520.00} Balance Opened XX/XX/2017 2017

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 2023-09-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
Wells Fargo repossessed our car without notice and did not give us the option to pay the due balance and get the car back. The car was actually also burglarized during its repossession with bunches of stuff stolen out of it without any remorse from Wells Fargo that being a sidenote, the reason I'm contacting is because we have not received any settlement pertaining to this event, even though Wells Fargo has been sued and lost the class actual lawsuit in the report that y'all have on your website, it says that I should make a claim if we still have yet to receive a payment so here I am making a new claim I see that y'all have a civil penalty fund formed and I'm trying to touch base with y'all about this. 
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 2024-01-08
Company: SUNRISE CREDIT SERVICES, INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, XXXX and XXXX XXXX sold house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to private purchasers. On XX/XX/XXXX, {$940.00} was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to pay the XXXX  bill and close out the account XXXX XXXX XXXX XXXX XXXX 

Since then, the new owners have converted the XXXX  system to electrical and removed the oil fired furnace from service. 

On XX/XX/XXXX, XXXX and XXXX XXXX received another bill from XXXX XXXX for a maintenance plan and interest for billing not being paid. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  said the account was closed back in the spring and we should not be getting billed. She submitted a transaction to XXXX  out the balance. We received another bill on XX/XX/XXXX, so I called her again on XX/XX/XXXX and was told again the account was closed and we owed {$0.00}. 

On XX/XX/XXXX, we received a notice that the bill was submitted to Sunrise Credit Services for debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We do not owe XXXX XXXX or anyone else for a maintenance plan for a house we do not own for a furnace that does not exist.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account XXXX : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

The inaccuracy in my credit report does not allow me to buy a house ( I am the father of XXXX children ), buy a car at reasonable rates, etc.

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 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my account balance in full. I left a balance of XXXX, which was the interest that I incurred during the prior billing cycle. I called Bank of America an asked if they were able to waive it for me as I paid my account balance in full. On two separate occasions I was advised they were unable to do so. I paid the remaining balance on XX/XX/XXXX and my cycle closed XX/XX/XXXX. I received my statement and I am being charged XXXX interest. I called and asked if this could be waived as I paid my account in full. I was told they are unable to do so.So Basically I have to pay interest on interest. At this point I am very disappointed with Bank of America. Ive been with them since I was XXXX XXXX XXXX. If I am unable to have this resolved I will close all my accounts and take my business elsewhere.

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 2023-07-17
Company: EQUIFAX, INC.
State: MI
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:
I am writing to formally request that XXXX XXXX immediately cease and desist from reporting any information regarding Account # XXXX to any consumer reporting agency, as defined by the Fair Credit Reporting Act ( FCRA ). This letter serves as an official notice of my intent to exercise my rights under the FCRA. 
As the account holder, I assert that the information related to Account # XXXX should no longer be included or reported in my consumer report. I am invoking my rights as outlined in the FCRA, particularly under Section 623 ( a ) ( 7 ) and Section 623 ( b ) ( 1 ).

I hereby demand that XXXX XXXX refrain from reporting any information about Account # XXXX to any consumer reporting agency, including but not limited to Equifax, XXXX, and XXXX. This request is made in accordance with my rights under federal law and regulations. 
Please acknowledge receipt of this letter in writing within 10 days from the date of your receipt. Furthermore, please provide written confirmation that you have taken the necessary steps to comply with my request and that no further reporting of Account # XXXX will occur. 
Failure to comply with this cease and desist request may result in legal action, as provided for under the FCRA. I trust that we can resolve this matter amicably and without the need for further escalation. 
Thank you for your immediate attention to this request. I expect a prompt and satisfactory resolution. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo initially set up my account that was a custodial account incorrectly. After being given all the legal documentation as to what type of account shouldve been opened, they opened the wrong one. Also, they took XXXX of my money and transferred it into a portfolio for stocks. They told me this would be the best way to go to earn more money on the money that you have. So I did that, and I lost {$5000.00} because of it when I asked for them to take out that money and put it back in the main account. It took them days to do so. They left it in there as long as they could. The name of the manager at the time who did this it was the XXXX XXXX, Florida location and his name was XXXX. He is no longer with the company, not sure why? However, he gave me that advice The entire time in which I thought was good advice due to me, not knowing any different. This was my first time having this type of account. And again he was given all the legal documentation that came from the judge that indicated what type of account to open. So Im sure there was more than XXXX lost but that is what I can remember. And I feel like because he gave me bad advice thats the reason I lost {$5000.00} and the bank should be responsible for giving that back to me. Or need, I say, put it back in the XXXX account where it was taken from.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$440.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( XXXX, XXXX, Experian ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.

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 2023-05-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT SYSTEMS is attempting to collect a fraudulent amount of {$710.00} which XXXX XXXX the Original creditor Opened XX/XX/2022 as a matter of retaliation. XXXX attempted to evict me due to a pet deposit that she wasnt owed. XXXX became the owner of a property I was renting and only had 3 months left in the lease at the time. We took it to court and the judge granted in my favor of no eviction and no pet deposit paid to her. I was also able to leave the house two weeks early. At that time XXXX did a walk through with me and never reported any damages or fees owed. By law she was supposed to send me proof of debt within 30 days and never did she she violated state and federal laws by sending this to a collection company without me even knowing. I reached out to the leasing company for proof of damages from when I first moved in and also I reached out to the company directly and advised them of this exact information and also stated if they needed I can get court documents. They told me the charges was valid due to XXXX sending in pictures of damages which I let them know could have been from any of the units XXXX own or she could have done that out of spite to collect money and I have no knowledge of any of this. The declined to help me so I have reported it. XXXX has also kept my deposit and added the fees of {$710.00} to my credit which is way outside of any damages or cleaning fees shes requesting. I would like for these fraudulent charges to be removed from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was purchasing XXXX 's XXXX tickets from a person on XXXX. I was on the phone with him and he fraudulent told me he would place the tickets in my XXXX account, he never followed thru with the tickets and I paid them thru XXXX. I am upset because I contacted Wells Fargo thru email/phone to follow up on their end since the transfer deposited it in a Wells Fargo Account. Wells Fargo was unable to give me any information for this person. I wanted to follow up with my local police since fraud was the intent. I can not believe in this day and age that we can not trace this transaction. I have been a Wells Fargo customer for over 25 years and I am extremely upset that this fraud happened to me. I am looking for reimbursement of {$320.00}, because I believe that Wells Fargo should stand by their customers to help that this matter does not happen over and over again to other devoted customers. I followed up with XXXX thru email and only got a response that someone would contact me, and they never called me. I can not believe that this can happen thru XXXX with no repercussions for the person being fraudulent. Please help me in this serious matter. 

____________________________________________________________ XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$320.00} Details Category : Other Outgoing Transfers ____New recipient added You added XXXX as a new XXXX recipient and can now send them money or requests for money. The email address, XXXX, will be used to notify this recipient of any money or requests you send them. 
To receive money or requests, XXXX must be enrolled in XXXX and have added this email address to their profile settings. 

Transactions typically occur in minutes between registered XXXX users. If your recipient is not yet registered with XXXX, the payment is typically delivered within minutes after the recipient completes registration. 

XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 
XXXX XXXX XXXX XXXX All Rights Reserved XXXX Dear XXXX XXXX XXXX Thank you for contacting XXXX XXXX Support. 
We will get back to you within 2 business days. 
For future reference your case number is : XXXX Regards, XXXX Consumer Support XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved

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 2023-06-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After admitting to CFPB, all was well, addressed, properly investigated, handled, and really taken care of as promised! Just simply didn't happened! Instead their aggression, fabrication, misconduct, abuse of power, authority, carelessness, propaganda, harassment, witness tampering, personal attacks, invasion of privacy ( interference with my willingness to live ), conspiracy theories, adding insult to injuries, and way over the top, continously violations of my health, civil, and constitutional rights are very deep, problematic, and disheartening! Equifax is always ever learning, and never able to deal with the truth! They care more for, and in favor of/with ; my past Creditor ( XXXX ), than this consumer, telling the truth, bringing corrections, doing the right, trying to bring clarity, and closure to this madness ; that's way out of hand, at this gesture! This just can't continue, and go on like this, in its present state!

Company response to consumer: Closed with non-monetary relief