BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
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:
plan a vacation one week in XXXX XXXX, a week before departure had an accident, contacted travel agency, airline credit card company, the gave me the impression that they will consider taking care of the problem. they did not. I did communicate both mor than 3 times, no obey. departure past the travel company ask the airline to make an action that a " no show '' will kept the travel agency not liable to refund the ticket nor change the itinerary to another date even if a penalty that I was willing to pay with no hesitation. purchase the seats and the airline gave me credit for them for a further travel. purchased an insurance, with the same travel agency thru a third party, after they knew I was not able to fly, they did refund the insurance fee. The credit card company took my claim, did processed and fail to get the refund, and gave me no hope to recover the plane tickets nor the money not even think about miles, reason given the card is sponsor by an airline not involved in this mess. At the end the credit card company gave me no valid reason after deceiving and untrue letters from the travel agency suggesting and asserting that is my fault all alone and just forget about it, and on top of that that stuff happens and I get to give money away because '' it is difficult to deal with these kind of merchants and the economy is bad, and no worries you still have / {$21000.00} credit with " Us '', just. keep paying ( {$2100.00}, {$800.00} emergency services. {$1500.00} paid vacations, plus the highest interest on top and keep cool!!. All I ask was open tickets to the same destination at my convenience with a fair fee in good faith, that's all, just deliver what I prepaid!. 
thank you, respectfully The Deceived Customer.

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 2023-08-15
Company: Self Financial 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, XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Self Financial Inc.
State: MN
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:
The following transactions listed on my Self Credit Card Account # : XXXX is unauthorized and unrecognizable charges : XXXX, XX/XX/2023, XXXX, XX/XX/2023, {$10.00}, XXXX XXXX XXXX, XX/XX/2023, {$10.00}, XXXX XXXX XXXX, XX/XX/2023, {$36.00}, XXXX XXXX, XX/XX/2023, {$25.00} and XXXX, XX/XX/2023, {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
In 2016 Wells Fargo Put Pressure On Me. Threatening To Take My Home. I Was Talked Into Under Fear & Pressure To Sign Up For A New Program That Would Help Me.In Believing They Were Helping Me To Save My Home, The Program Was Called H.A.M.P Program. They Made It Worse, The Principle Amount Went Up Thousands Of Dollars. I Tried For Months Seeking Answers Why. I Was Told An Investigation Had Begun, Someone Would Contact Me. That Never Happened, Then All Was Handed Over To XXXX. XXXX Right Away I Notified XXXX.Right Away Telling Them Wells Fargo Had An Investigation In Process. Did Not Mean Nothing, Never Got An Answer. They Got Over On Me. I Know They Did, It Has Been XXXX Ever Since. How Can One Be Told Of New Program For Helping Me. In Turn, Got Worse, All The Statements Ive Read From Others Are All Negative, Wells Fargo, And XXXX. Something Is Just Plain Wrong Here. Will You Help Me Please. Thank You, 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 2019-05-08
Company: Experian Information Solutions Inc.
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 recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my 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 explanation
Consumer complaint received 2023-08-15
Company: 4M Collections, LLC
State: OR
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 told the XXXX, XXXX XXXX at XXXX to reinvestigate account : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX SOLVERITY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
However, they stated everything was completed and accurate. But how is it that possible if the open date and the day alleged activity and how more is incorrect. According to 15 USC 168199 ( i ) 5 they were supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 604 A states I have the right of privacy.

15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 61C ( a ) ( 5 ) section also states A consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681C ( A ) ( 5 ) Section states no reported agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes antedates the report by more than seven years.

15 U.SC. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cost to believe that the information is inaccurate. 
Also they aren't even in compliance with Metro 2 credit reporting I have evidence to prove Delete accounts : XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Self Financial 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:
In accordance with the Fair Credit Reporting act SBNASELFLNDR Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Self Financial Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Closed my accounts in XX/XX/2023. This account at SELF was intended to help improve my credit. After years of no success, i closed this account. Unfortunately, this company continues to send me interest fees and late charges. I asked them to remove all charges due to my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I just got off with a rep from Transunion and verified who i am. they did not know why i had to even do that. they said you received my dispute request and its in progress what the XXXX is going on over there. 
you close my first complain saying need auth and your rep didnt understand why. This investigation is taking to long. Below is my initial complaint and attached is the items i have sent for my dispute to be completed I am submitting this complaint due to no communication regarding a status on a investigation. I wrote Transunion on XX/XX/2021 reporting 4 inaccurate items on my credit report. I provided everything they need for a investigation and again I am supplying it her in this complaint. I sent another letter on XX/XX/2021 to see if I can get a response in writing. We are now 45 days since my first complaint and still nothing. Again, it's been 45 days since my first request and this company keeps reporting inaccurate information in my credit report. This is a clear violation of the FCRA.

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 2021-12-24
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: Account status incorrect

Complaint:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2021-08-17
Company: Bread Financial Holdings, Inc.
State: IL
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:
This late payment was of no fault of my own. This was due to the change in agreement that Comenity Bank and Wayfair had. The online payment system was removed from the Wayfair shopping platform as they have a new credit card program and there wasnt any way of paying without access to the platform. 

Additionally, I had made a call Sun, XX/XX/2020 to the Wayfair Credit Card Customer Care Center when I realize that they payment I have submitted haven been withdrawn from my Checking account. I was informed that my account was up-to-date and that the payment will be process soon ( Please see attachment of email from the Wayfair Credit Card Customer Service Department asking me to do a survey after I had called that day ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX - I requested account closure. XXXX - Login capability and account disappear, no communication from bank. I request clarication via in-app chat. XXXX - Receive email saying account was closed and remaining balance sent via ACH to account on record. I respond advising that the account on record was closed and to send money to my address via check. XXXX - XXXX I send XXXX more emails requesting a response inquiring about my money. XXXX - Receive response saying money will come back to XXXX within a few days since the recipient account was closed and a check will be sent to me. XXXX - I email requesting an update. XXXX - I receive a response that XXXX has my money and will send a check soon. XXXX - I email asking for an update. XXXX I send XXXX more emails asking for an update. XXXX - I am against told a check will be sent out soon, I demand a date since the same thing was said XXXX weeks before. I am told it will be sent " tomorrow. '' XXXX - XXXX - I send XXXX more emails demanding return of my money and conrmation a check was sent to me. To date I do not have my money, nor any apology or explanation for how poorly this has been handled. XXXX is a sham institution and should be shut down. I have interacted with " XXXX '' and " XXXX '', likely pseudonyms, and still do not have my money. On XX/XX/XXXX, after advising the bank complaints had been filed with the Federal Reserve and Office of the Comptroller of Currency, I received another response the time admitting no check was sent XX/XX/XXXX, but claiming it was mailed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have my money or an adequate explanation of what is happening. This is theft plain and simple.

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 2023-05-03
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had the same company attempting to collect from XXXX a few years back, while Im not certain if it is the same collection or a different one altogether, what I am sure of if that this debt does not belong to me. I have not had nor have any delinquent debts or services from XXXX. I have XXXX services and have had the same service for more than ten years. The previous attempt to collect on an invalid debt was proven not to be mine. 
I have only one cable account and that is at my residence in Indiana and is paid monthly from XXXX. And I was informed already that this isnt that. My guess is that I am once again a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TN
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:
This is my XXXX endeavor to tell you that 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. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: SCA Collections, 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:
I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX and XXXX. 

1 ) XXXX  XXXX  XXXX  {$990.00} 2 ) XXXX XXXX  XXXX  {$51.00} 3 ) XXXX XXXX XXXX {$2100.00} 4 ) XXXX XXXX  XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) SCA COLLECTIONS XXXX  {$310.00} 7 ) SCA COLLECTIONS XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX XXXX  XXXX  {$110.00}

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 explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$0.00}

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 2022-06-13
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2022 I mailed off a letter to Annual Credit Report Request Service requesting XXXX credit reports from XXXX, XXXX, and Experian in paper form. 

XXXX and XXXX responded by mailing the requested documents in the month of XXXX. It is over XXXX days later and Experian has not provided my credit report in paper form. My certified mail receipt shows that my letter was deposited in the XXXX XXXX for Annual Credit Report Request Service on XX/XX/2022. 

Experian 's failure to provide what has been requested of them is holding up a process and is costing me money.

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 2023-02-28
Company: Atlanticus Services Corporation
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I was denied housing on XX/XX/2023, based on an erroneous report from this company. According to the renter, I owe money to XXXX XXXXXXXX XXXX XXXX. I received most of my deposit back from this rental. I have no public records from any agency, yet this company states its information was reported by XXXX which it wasnt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: OH
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:
The company, XXXX XXXX has been very uncooperative with communication. I have emailed and called with out a response. I have paid my debt in full, and they refuse to update my account. My account became late due to technical issues on the app, of which I attempted contact with the company and the attempts were unsuccessful. I have proof that the account was paid, but it still is reported on my credit reports ( XXXX, Equifax and XXXX ) as unpaid, charged off with inaccurate late payments. I have disputed with the credit agencies as well, and they have not been able to show proof that they have verified the debt.

Company response to consumer: Closed with non-monetary relief