BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Komyatte & Casbon, P.C.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/2020, I submitted a payment to the Collection Agency ( Komyatte & Casbon ) in the amount of {$55.00} and asked them to update or remove the negative information from my credit file, along with issue a letter to this effect. To this date, XX/XX/2020, my credit file has not been updated nor have I received the letter stating this account had been paid in FULL. I have called on several occasions and was told this is being processed, but as stated above, my credit files have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a service-disabled veteran and run a charitable 501c3 organization www.vetsandhorses.org I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: Store credit 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:
I sent XXXX a message about my card being fraudulent charged for over {$5000.00}. I was told via phone that this wa being taken cared of. Now I am being sued, but my credit card agreement has an arbitration clause and I would like to invoke that clause for arbitration.

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 2023-11-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a car through a scam company XXXX XXXX XXXX XXXX XXXX which informed me that XXXX is their parent company and I should send {$20.00} XXXX via wire transfer to their account # XXXX at Wells Fargo. I never received the car and can no longer contact the seller. Wells Fargo opened multiple cases and concluded with we can not refund your money with no explanation other than the money is not in their account any longer. I disagreed and they opened a new cases resulting in the same conclusion. I also contacted the Office Of The Comptroller Of The Currency ( OCC ) concurrently. The OCC agrees with Wells Fargo citing the money is gone. They mentioned the XXXX which I don't understand since this is a consumer transaction. I also contacted my local police, The New York Attorney General, The Federal Trade Commission and the XXXX Florida police to no avail. 

Wells Fargo opened a fraudulent wire transfer account without proper due diligence and I believe I should be refunded since I relied on their reputation in sending the funds. Wells Fargo provided no information on the extent of their investigation and why they reached their conclusion other than the funds are gone. By opening these fraudulent accounts Wells Fargo is facilitating consumer scams. I can not believe that Wells Fargo can open a fraudulent wire transfer account that hurts consumers with impunity. I am over XXXX XXXX XXXX and was not worried wiring funds to a WellsFargo customer. 

Any help your fine XXXX XXXX can give to recover my funds will be greatly appreciated. 

Best regards, 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 2023-06-16
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair reporting act XXXX Account # XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

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 2020-12-09
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
NCSECU reported 44 charge offs on my credit seriously damaging it. The account is delinquency is 4 years old and randomly showed up again on my credit as multiple late payments over the limit and charge offs after the account was written off again after 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: NRA Group, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to NTL RECOVERY AGENCY.

Company response to consumer: In progress
Consumer complaint received 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the credit card limit was {$500.00} they told me someone took about {$1500.00} from credit card how is that posiable when the limit is {$500.00} they autherized {$1500.00} when i contacted them they wasn't helpful such as they can't take the complain over the phone has to be summited by mail hours if hon on the phone this credit card company known to give hard time to consumer they don't even take online payment you have to call them and give them checking account with additional payment fee to process the payment. 
i tried everything to resolve this matter but i failed.

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 2020-12-09
Company: JPMORGAN CHASE & CO.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Two complaints outstanding. First  XXXX XXXX over-charge on credit card and second new. Neither have been responsive. XXXX XXXX  over-charge by {$21.00} on pair of men 's jeans believe CFPB case number is XXXX and second is XXXX XXXX aka XXXX XXXX at XXXX also over-of-charge of {$30.00} on debit to credit card of {$61.00} for XXXX  XXXX XXXX XXXX  advertised as 50 % off or {$30.00} with regular price of {$59.00}. 

CFPB has debit and formal complaint case number above XXXX for XXXX XXXX. 
New complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UTXXXX 

Have attempted to contact both companies but no response from either complaint at XX/XX/2020. Both amounts of {$61.00} charged to our Chase VISA card ending XXXX. 
XXXX XXXX charged {$61.00} when item in their catalog {$45.00} and XXXX XXXX owes us {$30.00}. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AR XXXX Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MD
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:
My XXXX Credit Card shows twicw on my Equifax credt report. It shows for XXXX, XXXX and for XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
professional bureau of collections of maryland contacted me today about a debt of XXXX owed to XXXX and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to XXXX and insisted I have to contact XXXX to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information. 

I also try to file a dispute with XXXX, but their website do not allow me to submit a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights!!! 

16 U.SC 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.

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: HUNTINGTON NATIONAL BANK, THE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I live overseas and have recently moved from XXXX XXXX to XXXX. 

I tried to access my account on XX/XX/XXXX in order to change my address and phone number. I was not able to access the account but I was asked to answer a security question : " What is your brother or sister 's middle name? ". I got the question wrong because it is ambiguous ( I have a brother and sister and they both have two middle names ). 

I have tried contacting the bank many times via phone, online chat, and direct messaging, but they will not let me access the account without visiting a branch. The nearest branch is a five-hour train ride from where I live and I do not have time to go there. 

I need to know my balance so that I can complete my tax forms by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

11. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate 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 2023-04-13
Company: Army and Air Force Exchange Service
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the army or air force. I want these debts released from my name and this cleared. 
This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and army and air force called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!

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 2023-12-29
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have the XXXX XXXX XXXX XXXX XXXX XXXX from First National Bank of Omaha and under my XXXX XXXX offer I was entitled to XXXX XXXX XXXX Bonus Points if I spent {$5000.00} or more before the closing of the XX/XX/2023 statement. 

According to their terms, the bonus would be posted at the closing of the XX/XX/2023 statement. 

I met the requirement in XX/XX/2023 by spending a total of {$5000.00} but I didn't receive the XXXXXXXX XXXX XXXX bonus points I was entitled to in XXXX. 

When I called customer service they were dismissive and unwilling to 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 2022-11-22
Company: Experian Information Solutions 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:
Experian XXXX XX/XX/2022, Experian made an error by adding a hard inquiry ( XXXX XXXX ) to my credit file, which made my XXXX XXXX  decrease from XXXX to XXXX declined by XXXX points!! The inquiry was removed on XX/XX/2022 without restoring my XXXX XXXX back to XXXX. 

Experian added an unauthorized hard inquiry error ( rent track ) to my file and they still have not restored my XXXX XXXX. Experian made this mistake, so, it's been XXXX months now & I expect Experian to do the right thing and request a ( XXXX XXXX ) score to restore my fico score back to XXXX. 

XXXX XXXX XXXX removed the hard inquiry & restored my XXXX score, so I know that my Experian fico restoration is possible by requesting a ( XXXX XXXX. ) I am not starting at the bottom again to work my score back up for a second time!! 

By choosing to warehouse inaccurate information, Experian is in violation of : 1. ) The Fair Credit Reporting Act. 
2. ) XXXX XXXX Compliant. 
3. ) Experian is subject to regulatory oversight by the FTC, CFPB, Office Of the Inspector General.

Please see new attachments for proof of my dispute.

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