BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: IN
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:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX. They did not provide me with the orginial application like I asked.I demand this account be removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Bread Financial Holdings, Inc.
State: WA
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 had an XXXX store credit card that they recommended me to get and use in the store. When I got the card, I enabled auto pay which stopped working because of some bug at XXXX credit card end. Instead of notifying me, they kept charging me interest and then showed late payments on XXXX. A {$30.00} purchase led to drop of over XXXX on my XXXXredit score. As soon as that happened i paid off charges and closed my credit card. Since then i have been asking them to fix the wrong record on my XXXX report but they havent made any progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NJ
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:
Credit bureau has a comment on my student loan account that indicates that there is a dispute on this account though there are no active disputes. Comment reads " Dispute resolved, customer disputes after resolution '' This is incorrect. Need comment to reflect " Dispute resolved, customer disagrees '' The words " Disputes after resolution '' is having a negative impact which may cause my current mortgage application to be denied. Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE INQUIRIES I DO NOT RECOGNIZE. 

XXXX - XX/XX/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 XXXXXXXX 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 2022-10-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this bank

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 2018-04-29
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection agency has account on my credit report ( XXXX and XXXX ) stated i owe {$430.00}. original creditor : XXXX XXXX XXXX, open date of XX/XX/2017 XXXX & open date of XX/XX/2017 on XXXX, account # XXXX, IC System XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX. Disputed account and stated the debt was not my debt with no resolution and removal from my credit 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 explanation
Consumer complaint received 2023-02-20
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:
THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX XXXX XXXXXXXX. MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB. I'VE ALSO NOTICED THAT THE STATUE OF LIMITATIONS IS EXPIRED ON THIS ACCOUNT FOR STATE OF IOWA. 

According to the information given to us by the credit bureau, the date of last activity by the original creditor was ( XX/XX/2016 ). The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of ( IOWA ). 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). 
However, I would like to point out that it violates provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt. 

The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfullyreceived by any debt collector for the collection of a debt.

Section 604. Permissible purposes of consumer reports The exact statute : [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by XXXX. If you look in that XXXX  file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXXXXXX XXXX XXXX  ', XXXX  insurance company and credit collector XXXX XXXX fault. 

I have also attatched a screenshot of the tradeline from my credit 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 explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX Account 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 2023-03-16
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Received prepaid gift card and attempted to set it up to use in XXXX but it failed and I gave up. Finally decided to try again in XXXX and got it authorized only to find out they where charging non use fees even though I could not use it. Their web site for filing a complaint kept giving a " page can't be found try again error ". A {$5.00} fee has been charged every month since.

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 2021-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
Car was bought from a used car lot XX/XX/XXXX. On XX/XX/XXXX the vehicle was involved in an accident, totaling it and appropriate insurance actions were taken on behalf on consumer ( GAP/PERSONAL ). The total loan amount remaining was {$3800.00} at this point. The loan agency ( CREDIT ACCEPTANCE ) and GAP provider ( XXXX XXXX ) kept going back and forth, saying the payment was being processed. Over the span of 4 years, interest has accumulated and the account in now in collections. Due to gross negligence on behalf of both companies this has hurt my credit as well as cause me an overwhelming amount of stress and inconvenience. These companies need to be held accountable and not get away with shorting the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclaycard with XXXX XXXX expects their card holders to send them a wire transfer through XXXX XXXX to pay their bill. Or give them their banking account information. I was always taught that wire transfers are extremely unsafe. Secondly, why am I being denied the option to use my debit/credit card to pay my bill since it has many fraud protections attached to that form of payment. How can it be legal for XXXX XXXX to only allow XXXX methods of payment that may result in identity theft or 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 2021-03-22
Company: Experian Information Solutions Inc.
State: SC
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 AM LOOKING AT MY CREDIT REPORT AND I HAVE ALOT OF FRAUDULENT ACCOUNTS, ALONG WITH FRAUDULENT CLOSED ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX XXXXOR MY FAMILY AND ME. HOW CAN I PROGRESS IF THE CREDIT BUREAUS CONTINUE TO ALLOW FRAUD ACCOUNTS ON MY CREDIT REPORT. 
PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT AND SEND UPDATED COPY OF MY CREDIT REPORT. 
XXXX XXXX XXXX # XXXX {$580.00} XXXX # XXXX {$9400.00} XXXX # XXXX {$470.00} XXXX {>= $1,000,000} XXXX XXXX # XXXX XXXXT # XXXX {$6400.00} XXXX XXXX  XXXX # XXXX AND XXXX XXXX BILLS THAT HAVE NO CREDITOR NAMES! 
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 2023-01-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 I use the branch ATM machine to withdraw {$560.00} from my checking account. The ATM did not dispense any money to me. The ATM screen stated there was no cash in the machine to dispense. When I looked online my checking account showed {$560.00} being deducted from my funds. I received an email from Wells Fargo stating there was an error from the ATM transaction ... no money was dispensed call this number... I called the number and a case number was issued. I was told after two business days a temporary deposit of {$560.00} would be done. XX/XX/2023 the next day my husband and I went to the local branch where the ATM we used to see if the money could be deposited back into the checking account. The lady we spoke to called another number and another case number was issued and to allow two business days for funds to be temporarily deposited back into our account. It's now been 4 business days, no funds deposited, I call again. I'm told one case number has been closed can't tell me why but now I have to wait an additional XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 AM LOOKING AT MY CREDIT REPORT AND I HAVE ALOT OF FRAUDULENT ACCOUNTS, ALONG WITH FRAUDULENT CLOSED ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX  FOR MY FAMILY AND ME. HOW CAN I PROGRESS IF THE CREDIT BUREAUS CONTINUE TO ALLOW FRAUD ACCOUNTS ON MY CREDIT REPORT. 
PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT AND SEND UPDATED COPY OF MY CREDIT REPORT. 
XXXX XXXX XXXX # XXXX {$580.00} XXXX  # XXXX {$9400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX>= $1,000,000} XXXX XXXX # XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXXXXXX # XXXX AND XXXX XXXX BILLS THAT HAVE NO CREDITOR NAMES! 
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 2019-04-26
Company: PRESTIGE FINANCIAL SERVICES INC
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:
On XXXX, XXXX  and XXXX credit reports of XXXX XXXX, and recent credit report of XXXX XXXX Prestige acccount # XXXX derogatory remarks hasn't been removed. 
Prestige is reporting that XX/XX/XXXX, XX/XX/XXXX and other months of XXXX and XXXX Derogatory remarks of 30-59,60,90 days still on credit reports. 
As XXXX, XXXX  and XXXX  are stating that it has been removed. 

My XXXX XXXX checking account ending in # XXXX evidence shows that XX/XX/XXXX, XX/XX/XXXX was paid timely as all payments was made by phone calls to Prestige.Please review XXXX XXXX   statement. 
Also, XXXX XXXX tradeline account # XXXX hasn't been added to XXXX and XXXX I sent a email to creditor Legal Counsel Manager XXXX XXXX XXXX Ext.XXXX fax. XXXX email : XXXX XXXX XXXX XXXX # XXXX balance is not {$240.00} is at {$170.00} as of XXXX XXXX and a payment of {$150.00} was scheduled on XXXX XXXX with my XXXX XXXX XXXX checking account ending # XXXX to be paid on 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 2023-08-24
Company: LendingPoint Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes with the credit bureaus to get removed late payments that have been put on my account. I have submitted proof of payments and now they have sent back that I am currently past due. This is so frustrating because they just took money out of my account two days ago and they have the audacity to say Im late on payments. They have no formal payment history or statements to provide to clients which is very shady from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My account was closed without my knowledge and without proper notice. 

Ive had my Kohls charged since XXXX when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive had no issues with my Kohls charge until I moved and I changed my address. 

After I was notified of the issue with my address in XX/XX/XXXX, I contacted Kohls and ultimately spoke with their fraud department. I gave the fraud department my updated address and they updated my account. On three separate occasions in XXXX, I was able to use my Kohls charge with no problem. On XX/XX/XXXX, I logged into the website and paid the total balance on my Kohls charge, which was actually earlier than the due date. 

I then tried to use my Kohls charge online in XXXX and I received an error message. I was told to call customer service. When I call customer service, they told me that I need to speak to an account specialist, who is not available and gave me a number to call back. I called back the next day. I ultimately was bounced around to seven different departments and people. They finally told me that my account has been closed due to my address. They told me the account was closed in XX/XX/XXXX. 

Interestingly, when I went to pay my account in full in XXXX online, there was no notice that my account was going to be closed or that they needed an updated address from me. When I spoke to the account specialist, they all indicated that my account was closed due to not having my mailing address. However, they confirmed that they had my correct address. They repeatedly told me they could not reopen my account and that I should just reapply for a new Kohls charge. I told him this was not satisfactory because I did not want another credit inquiry on my credit report. I also told them that if I were to reapply for a new card, I would be using the same address that they already had on file which for some reason they claimed was an error. 

My account was closed due to an error on Kohl 's part, and nothing that I did. They have had my correct address since XX/XX/XXXX and they let me use my Kohls charge with that address in XXXX and XXXX. I do not understand why they close my account when they had my correct address. I would like them to re-open the same account that I had since XXXX without a credit inquiry. 

I have attached my billing statement from XXXX, which shows my correct address along with the charges. They allowed me to make on my credit card that actually had my correct address. I also attach proof of my payments for the full balance prior to the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear CFPB, I am writing to file a complaint against Wells Fargo bank who violated the Electronic Fund Transfer Act ( EFTA ) for their failure to provide me with proper notice before closing my checking account and 15 U.S Code 1681s-2 They charged off my account and still contact me daily to pay the charged off amount. even calling almost XXXX at night!! Received call at XXXX to be exact!! Which is a HUGE VIOLATION OF CONSUMER LAW & MY RIGHTS!! 
On XX/XX/XXXX I received a letter from Wells Fargo through email stating that my account had been closed due to being overdrawn. However, I had not received any prior notice or warning that my account was in danger of being closed or charged of! No Alert no warning no attention or anything! Wells Fargo even has a inbox message center where theyd typically send important messages or notices- I DID NOT RECEIVE ANY Warning in that inbox either!! If I did I wouldve tried everything to prevent my account being closed where it be taking out a loan or borrowing from a friend. I was in such dismay I cried for almost a week because I was planning on purchasing my first home later this year & I know one of the requirements is having a bank account thats been open for a while but Wells Fargo CRUSHED that dream of mine! I had my bank account open with them since XXXX! -when I was still in high school!! Now Im less than 5years away from being XXXX old & they proved to me how cold they really are! 
I have been a customer of Wells Fargo for 7 years, I believe that the bank 's failure to provide me with proper notice before closing my account has caused me significant financial harm and emotional distress as a result of the account closure. They closed my checking account for owning {$670.00} which almost {$300.00} of that were OverDraft fees THEY ADDED!! I pleaded with them for weeks to re-open my checking account and they refused!! Its evil to Try to collect while u already charged of my account and refuse to compromise!

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