BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit  reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2023-10-04
Company: Bread Financial 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
the summer of 2012 Wells Fargo closed my account after I made a deposit of around {$5800.00} I was in a XXXX  XXXX my insurance company totalled out my vehicle and cut me a check I deposited into my Wells Fargo account and XXXX days later went to withdrawal it since I had found the new vehicle I was going to purchase XXXXwells FargXXXX XXXX me a piece of paper told me it had been closed and I could call the number on the piece of paper they gave me .no other resolution or help was ever received by anybody at Wells Fargo 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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America ATM deposit on XXXX of XXXX the atm only credited XXXX and gave back XXXX missing the other XXXX. Filed a claimed immediately over the phone, they said they would credit the account and conduct an investigation. 
On XXXX first thing in the morning I showed up at the branch where this happened, they confirmed their atm amount was over by the amount of my claim had that it would take 2 days to get the money back. Nothing has happened and I must pay my mortgage, the bank where I have my mortgage does NOT care about this problem I have with Bank Of America, they just want their payment. This was not my fault in any way and yes they are taking their time crediting my account, at least they should have the courtesy of doing so while they conduct their investigation, I do not want and cant be late on a mortgage payment which would certainly damage my credit. I have been a customer of Bank Of America since 2005, incredibly that they dont show any efforts to expedite such a big mistake caused by THEIR machine, its not change money it is 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 2023-07-28
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So I believe in XXXX, there was a debt added to my account from a hospital in XXXX, or clinic. 
Not sure if it was for my kids, myself or ex-wife. 
We all had insurance then and I had state insurance, XXXX XXXX  and XXXX XXXX at the time. 
I'm XXXX, I went through a divorce and was removed from my house. Living in a tent for awhile. 
When I was able to get everything in my life steady from the divorce. I was wanting to build my credit and noticed a XXXX collection on my bill. I never received any bill or collections papers. 

I then tried to call the hospital that I had supposedly accrued my debt from but they said they changed their name and ownership. Billing was unable to find any information about it. And couldn't provide me anymore information. 

I tried disputing this debt. Several times over the years. One day, I called the debt collector and was left on hold for almost and hour while they chatted and spoke I'll of others. I recorded the whole conversation and still have it but when they hung up on me after being on hold forever. I called back and told the lady I was trying to dispute a claim. She tool my info and I still have never heard anything. I even provided them with update contact info. I would like to have this removed or resolved because this is the only mark against me on my credit report and would like to have it removed. Especially since the hospital is no longer in business, but that also I have attempted numerous times to figure this issue out and I am still being ignored. 

I would appreciate any help. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
When we went to trade our car in the y never would send the title and we had to constantly call them. And they never refunded our gap insurance money. Also we had later charged on our account and had to call every month to get green taken off by The companies error. Will never use Wells Fargo again.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX 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 an 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 ) ( XXXX ) 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 2020-02-01
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX I have been using Direct Express because SSDI demanded. Besideds the our ragious fees i was being charged. I kept card for over 3 yrs. I would just remove all my funds on the XXXX every month to avoid those fees. On XX/XX/XXXX XXXX XXXX before i was goint to head to atm to remove my funds, I discovered my card was not working and reported stolen. This was not done by myself so I immediatly told the company to cancel card. Insteed of completeing my request i wasplacved on hold from XXXX XXXX XXXX - XXXX XXXX XXXX XXXX before speaking to the fraud department, Instead of being helped i was treated as the fraudulant user. I had already had a police officer at my home since while using another phone to call cound that a replacement card was swhipped to an adress i have nevber used 70 miles away on XX/XX/2019 and was recieved and actived XX/XX/XXXX. I requested the adress and store it was used and as well as the officer requested and was denied by your supervisor, The time was now XXXX XXXX i was on land line at XXXX XXXX XXXX XXXX XXXX XXXX with a police officer present and was called a liar becauce every senmt i had tyo my name was removed from account at XX/XX/XXXX.This letter will be my last7 nice attempt after that if this arrangmenmt is not fixed. I i will use every cent of the $ XXXX inheriantance i, rtecieving next year, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX over ur lack of customer service and inhumanity. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NV
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:
XXXX was paid in full. 

XXXX XXXX of {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
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:
XXXX 's account with an outstanding balance of {$980.00} not reporting accurately across the three bureaus after multiple disputes have been opened. The account continues to come back verified but the information being reported does not align across all three bureaus nor does it align with what the original creditor supplied with billing statements as well as their own response to an inquiry.

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My first savings credit card balance is being improperly reported on all 3 bureaus. My report shows a balance owed of {$470.00} but my actual Balance is {$4.00} see attached doc.

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 2022-07-07
Company: COMMERCE BANK
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My ATM case number with commerce bank is XXXX On Saturday XX/XX/XXXX at XXXX XXXX  I went to the bank ATM on XXXX XXXX XXXX XXXX, XXXX, KS XXXX. I attempted to deposit {$2100.00} through the ATM machine. The machine gave me an error after it took my cash money and said can not complete transaction please communicate with your financial institution. 
I went to the branch at XXXX XXXX XXXX, XXXX, KS XXXX on Monday XX/XX/XXXX and the representative said they will file an investigation for me, but I had to call in myself to file the investigation. I am in a dire need of the money to pay my bills, and this is unacceptable to have to wait that long without being able to have access to my money due to a machine error that Commerce bank is responsible for

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-07-07
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX senior citizen transferred XXXX by moneygram XXXX XXXX, 2022. In transit status never arrived. 8 days now. Won't reply emails customer service just says investigating, all the money I have. Verified with recipient bank never arrived. Refuse to refund. No way to pay mortgage, eat, or buy XXXX medicine. Say they they have 90 days to resolve but won't tell me progress. It's fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-05-09
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 hope you can help! I sent a letter to the credit bureaus on XX/XX/2023 and gotten a response and i still have inaccurate information on my report! My understanding is that Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report 4. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
5. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
6. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete 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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions. 15 USC 1666B : 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 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