BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I went to a XXXX XXXX  in the XXXX called XXXX XXXX. Upon my arival the pool was green and missing chunks of marcite. I than said lets go to the beach the beach was closed because XXXX XXXX  was in port and they had exclusive rights to the beach. we then proceeded back to the holtel for dinner and found out that half the resturants were closed becaused due to lack of customers. this was a completely wasted trip I was totally disatified and let the manager know. I never signed the bill due to my disatifaction. The XXXX charged my card that I held the reservation with. i contacted and wrote my dispute to capital one sent them pictures of the green pool they said matercard does not except pictures in disputes lol this is totaly unexceptable!! people need to be responisble for there lack of effort to keep the property clean and running as per the advertisement. i am not paying for a vacation that i could not enjoy!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
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:
I reviewed my XXXX Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX, Acct- XXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. 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 2020-08-11
Company: Experian Information Solutions 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:
XXXXy XXXX XXXXXXXX XXXX eaither went out of business or sold their company to a debt collection agency around XXXX of 2019. I was a client with a current loan that was paid, never late status. I was told that the loan would be serviced through XXXX XXXX, a third party servicing company, which would handle the loan from here on forward. XXXX XXXX  XXXX XXXX closed my account with the credit bereaus as paid in full and gave my information to XXXX XXXX XXXXXXXX XXXX ( a debt collection agency ) without my consent. Later on in XX/XX/2019, XXXX XXXX XXXXXXXX XXXX reported my account as a new account with about XXXX dollars worth of debt, after I had paid over XXXX dollars on a XXXX loan. I called to find out what was going on and that is when the company XXXX XXXX informed me that they were a debt collection agency. They also told me that they were fixing the problems. The next month it showed about XXXX dollars worth of debt which was still incorrect. In XXXX after seeing all the complaints I stopped payment. I can no longer contact the original company. I've disputed the information on my credit report and they tell them that it is valid. They have no contract with my signature, but they still report this as my account. They use bullying tactics and they now reported my balance as a charge off. If they wouldn't have ruined my credit I probably would have continued payment, but I'm not liable for a contract that isn't mine nor I wasn't in default to be sent to a debt collection agency with a current status of payments.

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 2020-08-11
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been called on multiple dates, including 3 times on one day .... 

XXXX XX/XX/11 XXXX XX/XX/11 XXXX XX/XX/11

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 2023-07-09
Company: National Enterprise Systems, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid two collection accounts with National Enterprise Systems. I was told the collections would be deleted and the accounts would be marked " paid in full. '' Since I've paid they have updated the listings as charge offed accounts, as though the delinquency has been re reported.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2019-02-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home inXXXX. My address is XXXX XXXX XXXX XXXX, NJ. We locked in our rate at under 3.25 % But my rate was changed by my bank ( a flat rate ) to 7.50 %. I paid this rate for more than two decades. InXX/XX/XXXX I complained and the bank said that they would now change the rate to 4.25 %. They never gave me any credit of monies for there admitted mistakes. And they would provide me with a modification which they said was permanent. I recently received information about my home being up for Sheriffs sale. In XX/XX/XXXX I owed {$24000.00}. And even though I have been in bankruptcy and paying the mortgage company directly I never saw a decrease in what was owed. Wells Fargo now has doubled the amount owed ( {$45000.00} ) and changed the rate to 4.75 % .They never told me that the XX/XX/XXXXmodification was temporary. And most recently I was rejected for a modification. And my home is listed every single month for Sheriffs sale. Wells Fargo has deceived me throughout this whole process. They have always cheated, and been dishonest about this whole process. I have never had any equity in my home. Not from the beginning until now. As a matter of fact Wells had my home equity as - {$25000.00}. I have small children and I have been diagnosed with XXXX XXXX   XXXX. My health is failing. I just want to be in peace XXXX XXXX XXXX XXXX. I as the your organization look throughly at all of the accounting from day one until now. The only thing that I want to happen with this matter is my Deed paid in full from Wells Fargo. I dont want any more temporary empty promises to pacify me in any way. That way I can live in peace XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AMERICAN EXPRESS COMPANY
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:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account. 

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX Balance {$0.00} I never opened this account 4. American Express Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 



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

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-03
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:
In accordance with fair credit reporting act XXXX account 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 two credit inquiries with Bank of America that I do not recognize. I tried to dispute the information with XXXX, XXXX, and XXXX but I was told that I would need to reach out to Bank of America myself and I did but since I do not have an account with them I was not able to get an agent on the phone. I noticed two separate inquiries were done with out my consent. One on XX/XX/2022 and another on XX/XX/2022 both with Bank of America.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have fees that come out of my account and my wife 's accounts. Also, they done my wife 's account nsf and had her account all jacked up. But as soon as her check went in it all started with the nsf went away and the money in question disappeared too. 
Requested an appointment to see a bank agent in which couldn't see the closest bank but had to see the one 12 miles away from me. 
Still they had no explanation, and claimed they don't see it now.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I signed up for a Dillards credit card through Wells Fargo earlier in 2022. I have been receiving spam texts and calls, numerous times. Ive contacted customer service to pay my bill and explain my current work situation due to a car accident in XXXX of 2022, to no prevail. This credit card is hurting my credit and a breach of privacy, unknowingly selling my personal info.

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 2019-09-03
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019, there was an unauthorized transaction on my Bluebird American Express card in the amount of {$2500.00}. Apparently I sent this money to another Bluebird user. My account shows a named individual with a XXXX account. I never authorized this transaction ; I do not know this named individual ; Ive never loan my card or card info to anybody ; and I did not make any transactions with the card on that day. I got my direct deposit on XX/XX/2019 and the next day is when this unauthorized transaction took place. I called Bluebird customer service and talked to someone in the fraud department. They took down my information and said that they were opening an investigation. They said that it can take up to ten days to investigate. I asked them when I can expect to get my money back, they said they did not know and they could NOT guarantee that I would be getting my money back. What??!! They have the email address and the Bluebird card information of the individual that hacked my account and sent my money to their XXXX account!! This is my rent money!! When I asked them for the investigative departments phone number, to follow up, they said they did not have that information ... doesnt make sense at all!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Had an account with them having problems open the account due to the closing of the account with Wells Fargo also unknown accounts being open that I had no knowledge of I never had a mortgage with them or applied for it

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. As of todays date Transunion stated they did not have my FTC report on file and the late payments and accounts that are not mines are still reporting as well as a closed accounts from XXXX XXXX XXXX, XXXX is still reporting late payments for the accounts that are not mines and Closed Account XXXX  XXXX. And XXXX is reporting a closed account XXXX XXXX. I would like help with removing 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 non-monetary relief
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX XX/XX/XXXX Transunion, XXXX  and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for 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 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2023-10-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX is in shambles and unusable ( XX/XX/2023 ). How are we supposed to trust this agency with our credit information when they can't even maintain a website? You get a " 403 Forbidden '' when you click the Sign In button. Nothing happens at all when you attempt to add or manage a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
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:
These are the hard inquiries ( & dates ) that are not made by me : 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 Also, I have never opened any account with XXXX, XXXX, and XXXX XXXX XXXX My credit report shows accounts with these banks that needs to be removed. Please see attached list of accounts that are not mine and showing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called the credit Bureau to have my accounts locked and inquires I received investigated. The Credit Bureau refused to investigate the inquires and they are reporting incorrection information. I have not been able to have them investigate this and they refuse to investigate, and they are aware that they are reporting incorrect 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 explanation