BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo continues to allow debit card transactions to be processed even though my account is in the negative and I keep my debit card locked when there's no funds in the account. Furthermore, the manner in which they post transactions is too confusing for consumers to understand which transactions have already been covered by my deposits and which ones are still pending to be charged a fee given their Confusing " extra day grace period ". I have a multitude of recurring bills and I work two jobs and I am unable to keep track of all the recurring payments but I should be able to trust the bank not be predatory. If my account is already negative and my card is locked, why do they continue to allow debit card transactions to go through? Just so they can rack up on {$35.00} fees. They charged me 5 {$35.00} overdraft fees in the last 7 days. It would have been more if I had not disputed some of the transactions. I shouldn't have to be monitoring my account this closely given my account was negative and card was locked!

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 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
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 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 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 2022-04-30
Company: Experian Information Solutions Inc.
State: DC
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've contacted the three credit bureaus between XX/XX/2022 to present date in response to their reporting tactics and my reporting issues had not been resolved. Inaccurate late payments and and a charge off on my accounts with the three credit bureaus have been address to the credit agencies, but no action has taken place to correct the issue. Ive also taken several steps to reach out to the company reporting the information to the credit bureaus and have not gotten any response. 


15 U.S.C. 1681 section 602 A states I have a right to privacy. 

15 U.S.C 1681 604 A section 2 : It also stated a 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 2021-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 submitted a letter to the XXXX Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX

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 2021-06-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal blocked my account for no reason i am a XXXX and use paypal just for my everyday hard earned money to get paid i dont have any options for get my earned morunning again.ney to transfer i will be thankful to get my problem solved and get my account that is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
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:
During late XXXX, early XXXX of 2021, I telephoned PenFed Credit Union about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue. 

The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent. 

Since all calls are recorded, someone should be able to replay the entire conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I'm trying to get pre-approval for a home loan and when they run my credit Equifax is stating that I don't exist on their system. They have gotten XXXX  and XXXX   report the only one that's giving me trouble is Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
In the month of XXXX when i check my stament was showing that half of my payment was credited to me from the company i thaw that i had pay extra on my escrow account .after this i send the remaining balance to complete my payment then on the following months consecutively kept sending my payments .after the second month i got a call staying that my mortgage was 60 days late .i explain the person on the phone that had to be a mistake cause i was up to date with my payments .well after they research the account they came to find out that the money that they credited to me belongs to a different account and that i have not make my payment complete .at this point they blaming me for their mistake witch i end up coming up with the payment after all .now i come to find out wile i was trying to refinance that they have my record on the credit bureau as of 30 days late for three months on the road. i dont think this is fair to me and my family we try to take matters as soon as we found out even wasnt are fault.all i want is from them to correct my credit report. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 at about XXXX o 'clock in the morning to 7387 Day XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX XXXX XXXX XXXX. 1 To make out a cash check for {$250.00}. 2. I deposited {$5200.00} in cash and got the receipt of {$5200.00} issued by Teller when I saw that the money counting machine was finished. I was sure that it was correct and then I left. In addition, I had worked hard to earn the money, and Teller did not see XXXX dollars of it at a single word. I could not believe it and could not accept it.I can provide more evidence, but no one at the bank communicated with me. I called the police, all the customer service numbers of Bank of America.I can't find their manager. I need my money back.

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 2023-02-27
Company: EQUIFAX, INC.
State: TX
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX is showing a collection on my credit report which has a original balance & past due balance showing which is going against consumer credit report Also showing activity on the account after the account has been in collections and reporting inaccurate information to the credit bureaus Also reporting dates are inaccurate and 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received phone calls from multiple numbers about a past due debit when I would state Hello the call would end. Today XX/XX/2019 my mother XXXX XXXX, father XXXX XXXX and step mother XXXX XXXX have received numerous phone calls about arresting me if I didn't pay the past due debit right away. My mother was left voicemail releasing information about my self and the debit. 1 out of many voicemails I received stated " XXXX XXXX this is XXXX XXXX contacting you regarding your case in the process to be filed for XXXX County my wall when your case number XXXX is filed it does become a matter of public records and an order for your location I wasn't able to reach you by phone today so I was now instructed to contact your employer and speak with your supervisor because that is your most likely right to make contact with the office the case before the order is released when the case is filed discharge that we no longer be an option all legal rights will be forfeited in the phone number to the office the case has been provided to XXXX speak with the legal department our reference case number is XXXX is your legal notification by telephone XXXX   you will now be located we in less we are instructed other wise ''. My father XXXX XXXX was told I ( XXXX XXXX ) would be arrested and toking to jail for not paying the past due debit. The lady named XXXX stated she would be going to the home of XXXX XXXX XXXX XXXX Ks to pick me ( XXXX XXXX ) up. My step mother XXXX XXXX was contacted and making threating tactics " we will '' pick XXXX XXXX up due not getting the funds right away. I have never lived at XXXX XXXX XXXX. I have attached 1 of the voicemails below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've sent emails and letters to get my credit report updated corrected, no changes but : In accordance with the fair credit reporting act XXXX  XXXX XXXX and TD Bank USA XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
From XX/XX/2018, my account balance with Veros Credit was  {$8000.00}. From XX/XX/2018, my account balance with Veros Credit was {$7300.00}. This information reflects that I have only made a total of {$650.00} worth of payments since XX/XX/2018. Late fees from Veros Credit total {$20.00} and my current interest rate with the company is at 20.99 %. 

I have documentation showing that since XX/XX/2018 I have actually made a total of {$2500.00} worth of payments to Verso Credit. It would actually be impossible for me to keep my car if I only made {$650.00} worth of payments to the company. They would have surely repossessed it by now. 

When I asked the company if I could have a better explanation of where my money was going towards, the company was very hesitant and treated me as though I was just trying to get out of paying my bill instead of me trying to understand what was going on. They emailed me a spreadsheet that confused me even more, and that only further made me wonder if they're accounting is efficient and whether my bills are up to date or accurate. 

I am fearful that I have been overpaying Veros Credit and that they do not know how much I actually owe. I am probably not the only one and if they can not bill people correctly or explain billing inquiries to their  customers, than they should not be in business. 

( I also have recordings of the customer service agents that I spoke with who were reluctant to explain my billing questions. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: AR
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:
n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 disputed an error on my credit report with Transunion on XX/XX/XXXX. They then removed the account with ( XXXX, XXXX, XXXX XXXX ) and it showed deleted on my new report on XX/XX/2019. It has now reappeared on my file BUT Transunion never gave me a 5 day notification, as required by law that they had put it back on my credit report. The other CB 's removed the account.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I am requesting for these accounts to be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. Account number- XXXX I am requesting for these inquiries be removed from my credit report : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX IN XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/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 2023-03-24
Company: I.C. System, Inc.
State: AR
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:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as XXXX XXXX XXXX  and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is 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