BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: WELLS FARGO & COMPANY
State: TX
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:
WellsFargo Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Wells Fargo Credit Card services via mail on XXXX XXXX informing them of an inaccurate account on my consumer credit report. The account is inaccurately being reported as a debt. The account number is XXXX. According to the credit reporting agencies the debt that was canceled has an amount of {$1300.00}. 

I informed them that they are violating my right to privacy and is in violation of 15 USC 6801, 15 USC 6802 ( a ) ( b ) ,15 USC 6083 and 15 US. Code 1681s2 by reporting my income which is inaccurately being reported as a debt on my consumer report. 

The company replied back asking for additional information to verify the account in question. I sent correspondence via mail on XXXX XXXX providing all the information that they asked for. They then replied with the exact same letter they sent the first time asking for the same information that I provided to them with the letter sent on XXXX XXXX. 

I contacted the credit bureau dispute resolution team via phone on XXXX XXXX and spoke with XXXX ( employee ID # XXXX ) and requested a copy of my XXXX form which would serve as proof that the charged off debt is not a debt but income. However she was unable to provide me with any information. I requested to speak with a manager or team lead and XXXX spoke with ( XXXX ) who stated that a XXXX form is only filed and given if a settlement for the debt was created. However this is a misrepresentation of information. According to XXXX XXXX XXXX - XXXX reporting for discharges of indebtedness by certain entities. 

I demand that this inaccurate information Account number XXXX in the amount of {$1300.00} date opened XXXX XXXX be removed from my consumer reports immediately as it a direct violation of 15 USC 6801, 15 USC 6802 ( a ) ( b ) ,15 USC 6083, and 15 US. Code 1681s2. 

In addition to the removal of this inaccurate information from my consumer credit report, I would like a settlement check in the amount of {$5000.00} in pursuant to 15 USC 1611. This law states Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I have put you on notice twice about the inaccurate information you are reporting leading to you willing and knowingly violating my rights as a natural person. I have provided both letters as an attachment to this complaint.

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 2019-10-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im not sure of the dates its been awhile the first one is credit collection services. Ive filed two disputes on it. And both have been denied and ive been told its going to stay on your report. Its for progressive car insurance for XXXX. Now before i switched car insurances the balance was paid and cancelled and i was told you owe nothing. And few months later i get mail from XXXX   claming i owe XXXX. I told them no i dont owe and told them what happened and they said well sorry someone lied to you and clamied i never paid the bill. And its like im responsible for someone elses mistake i dont think so.. 
The next one is XXXX XXXX XXXX/ XXXX and this was 2 years ago. We moved and we cancelled service and moved to another address and my wife had cable put in her name. And months went by and i get a bill from XXXX saying i owe XXXX i call and they say yeah you never called and cancelled your service 's. I explained what went on and they said oh yeah we see that but you still owe money for a disconnect fee. So we went down to the office on XXXX XXXX spoke to the rep and they said it was ok sorry for the issues will take care of it. Guess what never did and ive disputed that as well and getting told nope its gon na stay. This isnt right im telling the credit agencies thats not how it went and its like oh well now i cant even get a home because of this. Its needs corrected and those to debts need cleared ive fought and argued as well with the collector telling them the same things ive typed here. And disputed with them as well and all i get told is you can dispute all you like its not gon na go away how fair is that to me? Please remove the two debts ive listed they are not vaild and untrue. And both of these are " NO CONTRACT. '' Heres a link as well to XXXXaXXXX XXXX XXXX  XXXX & XXXX That also states that others have disputed items and its been removed and im saying that i owed no balances period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Bank of America discontinued a credit card program and re-issued me a new card with their new program. I called to request a replacement card because I misplaced the one they sent. Instead of simply replacing the card, they closed the account for fraud in error. I never reported fraud. The account closure was an error on their end. 

Subsequently they stopped my online access, ceased sending emailed or mailed statements, kept accepting recurring charges and in all the hours I spent on the phone with them they never mentioned a balance on the account, and began reporting late payments. 

I have paid the balance and asked them to remove the late payment reports that appeared on my credit reports from the 3 major companies. They removed one, but to date have not removed the XX/XX/23 report. 

They refuse to remove the block from the account and instead insist that I reapply for a new credit card account at a much higher interest rate despite an excellent payment history and a 23 year history with the credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am always on time with payments, but they are incorrectly reflecting me as late.

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 2023-04-05
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 at XXXX I got a notification from my bank account Chime, that the email address, phone number, and password associated with my online bank account has been changed. 
Following those changes being made there were four separate unauthorized transactions : 1. XXXX - {$1000.00} transferred to " XXXX XXXX ''. 
2. XXXX {$1000.00} transferred to " XXXX XXXX ''. 
3. XXXX {$270.00} transferred to " XXXX XXXX XXXX '' 4. 5:XXXX- {$1000.00} transferred to " XXXX XXXX ''. 
for a total of {$3200.00}. 

The phone number linked to my account was changed two times : XXXX was changed to ( XXXX ) XXXX XXXX was changed to ( XXXX ) - XXXX XXXX. 

I called the bank and reported it as fraudulent activity around XXXX when I got off work, they started an investigation and stated that I would receive a credit, which I never received. 
I got notice on XX/XX/2023 stating that my claim was denied due to not being able to prove that any fraudulent transactions were completed, even though I provided information stating that I never authorized any of my information to be changed, or any of the four transactions to be authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-07-17
Company: EQUIFAX, INC.
State: MS
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:
Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX is showing different ratings on the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-10-17
Company: Synovus Bank
State: RI
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:
Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and XXXX, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of First Progress Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personal identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX, XXXX, IL XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number XXXX XXXX XXXX. 
My social security number and date of birth ( XXXX ), for privacy reasons. 
Additionally, please delete all information in the employer section. 
My only remaining contact details should be my name ( XXXX XXXX ), address ( as mentioned above ), date of birth ( XXXX ), and my email ( XXXX ). 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2019-07-12
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Ive had a previous claim against this company. They have been giving me false information in regards to extending my terms for a lower interest rate. 

I Initially expressed my interest in looking to lower my interes initially expressed my goal to lower my interest on one of my loans. My loan is earning 11 % interest currently. I was told if I extended my terms to ten years, Id have my interest reduced to 4 %. I was told this by three people. The customer advocate explained the refinancing structure the same way as the other representatives did until I asked further questions. 

I later learned from the customer advocate that the loan was actually for 12 years not 10 ends the first two years were the only years Id be receiving a reduce interest rate. After two years, my loan would go back to 11 %. That would of cause me to pay back over double what Im intentionally paying currently. This wasnt disclosed to me and I would of agreed to these terms if I didnt ask more questions. 

They break the discussion down into months instead of years to hide what youre really agreeing to.

When I told them I was looking to refinance my student loans, they denied my forbearance even though I had only used nine out of the twelve months. They did so a day before reporting it on my credit score causing my credit score to go down, inorder to ensure I couldnt get a loan/better rates through another student loan provider. 

I wanted to start recording these phone calls because Salle Mae records them as well for their records. When I told management I was recording they said, we do not authorize the recording. Clearly, they do not want me having the records for legal reasons but feel free to record on their end.

Its clear that they do not want me to refinance elsewhere so that was there intentions for denying my forbearance even though I had more than enough time and a plan in place. They waited until the very last moment, before it reported on my credit score to do so. The strategic moves are single-handedly done in order to ensure that you keep the loan within Sallie Mae. Thats why they didnt disclose the loan extension details and then tarnished my credit score.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have submitted over XXXX complaints with equifax in regards to identity theft. I have followed their request and submitted all documents and yet the situation blatantly goes ignored. It should not be this difficult to get assistance after getting your life destroyed by identity theft when youre trying your best to piece it back together. This company is violating my rights and this matter should be looked into immediately. I have also already submitted several complaints with the CFPB as well so they clearly do not care about consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, XXXX was taken out of my checking account without any notice or my permission. The transaction went without my knowledge and the bank approved such a large transaction. This transaction is not a bill that I owe. They claim it is a collection from an another bank. But I do not have a collection with them. I called the other bank about the XXXX transaction and they said it was not their doing. This Is Bank of America, which I am having a problem with.

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 2023-05-18
Company: T.S. Holdings
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:
Ive contacted XXXX  multiple times over the phone XXXX app and online. Ive stated multiple times that I am a victim of identity theft and they have refused to give me a fraud alert and also refused to remove a collection account for an apartment that Ive never lived at and that Ive personally never even seen. I have my identity theft police report on the matter XXXX  has removed this collection from my XXXX report its time for XXXX  to follow suit and do the same because under the fcra this account should be removed from my credit report or Ill have to go further and get my legal team involved to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account XXXX XXXX is trying to have me pay on a matter that is nearly XXXX XXXX XXXX and for which no monies are due received letter dated XXXX concerning XXXX bill from XXXX  and then sold to XXXX asset management I am a XXXX male diagnosed with XXXX XXXX XXXX.As a result of the stress from this matter my condition is worsening

Company response to consumer: Closed with explanation