BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : # XXXX of XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
It is with the Capital One Credit Card company. One Vendor has  made an unauthorized duplicate charge on my card and Capital One has failed to properly investigate the charges. Most of the details are given in the documents uploaded in Step 3.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/XXXX XXXXXXXX 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 2022-03-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Once again these common criminals aid and abet con-artists and criminals when they allow one of their cardholders, in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX girlfriend  from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the US Government sent her back. We did everything that we could, but the test of a credit card under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( also attached ) which he also did. The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a XXXX won't result in the XXXX XXXX XXXX But either way we did the work, and deserve to get paid, not robbed as was done here, assisted by American Express, who unlike XXXX and XXXX, understands that a lot of their customers are scumbag con-artists, freeloaders, shoplifters and thieves. Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MO
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield & Associates claims I have an unpaid emergency room bill. All of my medical bills have been paid by Veterans Affairs. I do not have any outstanding bills, we called the hospital they are claiming the bill came from and confirmed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ihavebeenafederalemployeeforthelast12years,withthesameemployerwithbreaks.MyemployerqualifiesforPSLFprogramandhascertifiedmewithFEDLOANServicinginXX/XX/XXXXformyemploymentperiodXX/XX/XXXXtopresent.FEDLOANhassentmemultipleincorrectlettersstatingmyfederalemployerdoesntqualify,andaletterstatingtheydoqualifyforPSLF,butFEDLOANwillnotreportcorrecttimeframeorqualifyingpaymentsamount.Ihavemade121monthlypaymentssinceXX/XX/XXXXtopresentandhaveXXXXleftonmyStandardXXXXplan.FEDLOANisonlycounting1paymentthatqualifies.TEPSLFapplicationskeepsgettingrefusedbythembecausetheyfalselyreportIhaventworkedformyemployerUSOfficeofPersonnelManagementfor10yearsormade120payments.IgetanewdifferentandincorrectcalculationorresponseineachemailorletterIreceivefromthem.Withsomanyfraudulenterrorsbythem,itmustbeonpurposesothattheydontprocessmyloanforgivenessthatIamlegallyowedunderTEPSLFprogrampassedbycongress.Withcorrectcalculation,myloanshouldhavebeenforgiveninXX/XX/XXXX.IvetalkedwiththeirOmbudsman,butstillkeepgettingcalculationerrorsanddenials.Ihavenowoverpaidmyloans1payment,andexpectthemtofixtheirerrorandrefundmeanyoverage.IfforanyreasonIstillneedtomake1or2paymentstosatisfyTEPSLForPSLF,Iwilldoso,buttheyhavenotprovidedmeproofotherwisethatIhaveadditionalpaymentsowed.Theydonotworkwithme,thecustomer,andtheyaretheonlyservicerthatcanprovidemePSLF.Themovedmypaymentsoncetoabout{$1900.00}amonthonPSLFIncomebase,andIhadtoscrambletofixtheirerror.Theyhavethousandsofcomplaintsonlineagainstthem,theyshouldgettheircontractremovedandneverbeallowedtoservicePSLFagainduetopurposefullymismanagementofit,whichisfraudulentandillegal.CEOshouldbeprosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Signed a loan for U.S auto sales. Currently paying for warranty and gap insurance. U.S auto sales randomly closed down. The warranty Im paying for doesnt exist and the gap insurance I pay for doesnt exist either. None of my payments have been going to my car loan. My car was illegally repossessed twice. They denied my auto claims for me to get my car fixed even though I was paying for warranty. Trunk wont close and they never fixed my broken tail light

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am the author of this complaint and I checked my credit report today and found some fraudulent, inaccurate, and incomplete information. I am asking that the CRA 's conduct a reasonable investigation and DELETE the fraudulent and inaccurate information. Please send all methods used to verify any accounts that are not deleted. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : 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 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : EXPERIAN : 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 2021-12-30
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a net spend pre paid card I deposited $ XXXXon my card in XXXX. I was informed after the deposit was made that my account was suspended for suspicious activity. I called netspend and closed my account.T hey told it would take 10 days to get a check.I went the next day to buy a different card, by accident I got another net spend card put another {$50.00} onit.They wouldn't activate it so it would be another 10 days for that refund.well 7 months later I still have not received the second refund.i want my complete {$50.00} back.i feel I should be compensated for my time and aggravation net spend has caused .thank you for your time

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 2021-04-17
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
I demand the following accounts be verified or deleted immediately : ONLINE INFORMATION SERVICES # XXXX, ONLINE INFORMATION SERVICES # XXXX, ONLINE INFORMATION SERVICES # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I was alerted that an item had been added to my Credit Report upon checking this it seems the original creditor is XXXX. I have over the pass 10+ years received collections letters from other collections agencies and had this erroneous debt promptly removed. I have disputed the debt with the present Enhanced Recovery Systems ( ERC ) and XXXX. 

I have requested the aforementioned item be removed from my Credit and XXXX has stated that the creditor provided them with information confirming that the debt was valid none of which has been supplied to me by either XXXX or ERC. I requested the following : In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? The date of service and services rendered. 
b ) How this amount has been calculated in a way I can understand.

c ) Copies of the papers where I agreed to pay what you say I owe.

d ) A copy of the judgment if applicable.

e ) The name of the original creditor. 
f ) Demonstrate that you are licensed in my state, and provide this license number to me. 

The dates on the entry are not possible, I have not been a XXXX subscriber in more than 2 years. The date of their debt is posted on my credit report by ERC as XX/XX/2019. The XXXX account at my request was noted by their CSR Representative. 

Please advise? 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received an email notification from Huntington National Bank on XX/XX/2019 indicating that my credit limit on my credit card was being decreased. The email provided no further explanation, other than I would " receive a notice with more information by mail in the next few days. '' I have yet to receive said notice in the mail. 

I checked my account online and indeed confirmed my credit limit was reduced from {$24000.00} to {$21000.00}. The account has a {$0.00} balance. 

When I called to inquire, the representative informed me the change in credit limit was due to an evaluation of my FICO score, credit history, and relationship with the bank. I requested the limit be restored and was denied. I was also told it could not be re-evaluated for 6 months. Fearing that something was wrong with my credit report, I checked it immediately. 

My FICO score is XXXX. My credit summary shows I'm currently using only 4 % of my available credit, of which {$110000.00} is currently available. There was no unusual activity on my credit report. No changes or discrepancies. XXXX missed/late payments. Ever. My annual income of {$200000.00} remains unchanged, and I have weekly deposits directed into separate checking and savings accounts with Huntington National Bank. 

So, I have been unable to discern any other valid reason for the reduction in credit on the account, other than the card has a {$0.00} balance and I haven't used it for a purchase in at least 6 months. 

I called back a second time to dispute the reduction in credit limit and request a restoration to my original credit limit of {$24000.00}. I was again denied, and was dismissed by both the initial representative and subsequently, her manager, to whom I was transferred. The manager also refused to provide a copy of the bank 's decision criteria when requested.

I believe the decision to reduce my credit limit was unfounded, arbitrary and unfair on the part of Huntington National Bank. Please consider this submission as my formal complaint against Huntington National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, 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:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX is inaccurate because this item is not belong to me I am requesting that the item be removed to correct the information. 
Enclosed are copies of Dl, SSN supporting my position. Please reinvestigate this account and delete it from credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: WELLS FARGO & COMPANY
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Im in the bank account so I was {$950.00} in a hole call Wells Fargo and try to talk to him and course. No one seems to speak English so you have to like repeat yourself 20 times but they like double quadruple charged me for making transfers thats what the whole I transferred XXXX for my checking to my savings, then back to my checking because I found something I wanted to buy online and I transferred that to XXXX XXXX because I dont typically like using my card online anymore. I transfer the XXXX XXXX  so my XXXX XXXX  and took it but thats another complaint a lot theyre doubling triple the charges of XXXX and I put me in the whole XXXX {$900.00}, I tried talking to him and he hangs up on me. That would be fraud. Could be fast robbery burglary so many things because as my money and I counted for and then they did all that charging it which is illegal.

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 2021-04-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Made a purchase of {$100.00}. XX/XX/21, XXXX reported my credit at 30 % usage. before regular reporting causing my credit score to drop XXXX points. My balance was @ XXXX. This kind of reporting has occurred in the past causing my credit report to drop eventhough I paid on time. Also, when I tried to make payment for the full {$100.00}. balance I could not because my acct. shows a XXXX balance. Needless to say, the account report on XXXX XXXX XXXX site is not correct. 

In addition, payments made on time directly from my bank 's bill pay have been XXXX in XXXX 's system and credited after the due date. Their records do not seem to regularly updated. 

Though I have circumspect in paying this unsecured credit card on time and minimizing account usage, my credit rating has not improved at all throughout the time I have had this card. There seems to be something wrong with this outcome. I would appreciate your review of these issues. 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 non-monetary relief
Consumer complaint received 2021-04-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank decided to decrease my credit limit on my Amazon Store card which was opened in XXXX of XXXX, from {$500.00} to {$150.00}. I am not sure of the exact date that this happened as I did not receive any notification of this. 

On XX/XX/XXXX, I checked my XXXX XXXX and noticed that it had decreased by 29 points. Upon further investigation, it seemed that this happened because my credit limit on my XXXX XXXX card had decreased. 

When I contacted the company, they informed me that they do a credit check every 90 days and because my credit score had gone down XXXX slightly ), they decreased my limit. Even though I have always made my payments to them. My score had gone down slightly due to the fact that I was shopping for a mortgage. 

Now I am worried that they will check again in 90 days and see my score has gone down even more ( because of them ) and decrease my limit once again which will in turn decreased my credit score again. 

When I asked them to increase my limit back to {$500.00}, they would not. They informed me that there would be another check in 90 days. My score is not going to go back up over 30 points in the next 90 days!

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