BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to access my account at Experian and thus unable to unfreeze my credit score. Their system is not accepting my user ID. I have escalated to a manager at Experian customer support, and she was not able to fix the problem. She has escalated internally and they say they are going to look into it, but will not give guidance on how long it will take. Meanwhile, I can not access my Experian account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MD
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 Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXX XXXXXXXX, has violated my rights. 


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 can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: PA
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 am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting agencies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report.

Furthermore, I have reason to believe that my personal information was used without my written authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.

I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately.

I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit repo
rt, which can result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Capio Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently observed that on my XXXX report that a company by the name of XXXX reported an unpaid balance on my credit report, amount owing to XXXX XXXX XXXX. I was never sent a bill or was ever made aware by XXXX that I am owing them any money. I have full insurance coverage from XXXX  XXXX XXXX which covers at 100 % thru my employer plus an additional XXXX account with {$2700.00} for the year to assist with co pays if any or any other medical bill payment I only go to my doctor for yearly physical and any screenings they might order as part of that visit. I had plenty of insurance to cover all my medical expenses so I would have no reason to owe any money to XXXX. This bill is not mine and should be removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Debt Collectors International, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX, My name is XXXX XXXX XXXX. I am co-owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing this email in utter shock and disbelief with the trajectory of events that were prompted by XXXX XXXX threads. 
Last XX/XX/XXXX, ( corrected date ) I attended a course in New Jersey. I was in contact with my XXXX representative who no longer works at your company. I was also in contact with XXXX. Prior to going to the course I called both my rep and XXXX to confirm that our account was paid and confirm my enrollment in the course. I was told everything was all set and the account was paid and up to date.I was assured that there was no issue and that I should attend the class as planned. I explicitly expressed that if it were not paid and up to date that I would not attend and that I would perhaps enroll in an upcoming one one in the future. Again, I was reassured and told to go by both XXXX and my rep XXXX XXXX. 
Approximately three months ago I received one email and one phone call stating that we indeed owed {$2000.00} for the class. I expressed my concerns with this finding and contacted XXXX. Again I was told that there was no issue with the account. 
I never heard back from your accounting department again after this. 
Fast forward to today, XX/XX/XXXX, I received numerous phone calls from a collection agency by the name of DCI ( Debt Collection International, XXXX XXXX XXXX, XXXX FL XXXX XXXX ) on behalf of XXXX. Both myself and my business partner have reached out to XXXX and XXXX XXXX ( sp ). We were promised a call back from someone by the name of XXXX XXXX. We never heard back back from anyone at XXXX. Im not sure why such a reputable company would hire a company like DCI. 
Everyone in our office has been severely victimized by these people today including myself. They have made physical threats as well as using XXXX XXXX XXXX hostile, and violent language to me, my business parter, and our office manager. They have called family members of my business partner who have no involvement with XXXX The threats and harassment by DCI representatives XXXX XXXX, XXXX ( would not provide last name ), and another team member ( who would not provide a first or last name ) were so severe that we had to contact our local law enforcement. They also stated that they have our bank information, my medical license, and address. They are also threatening to negatively impact our business via internet bullying. I have provided them with our attorneys name and information at their request. They have yet to contact him. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Deposited {$97000.00} dollars to Wells Fargo bank in XXXX XXXX In are about of of XX/XX/2023 bank account was emptied. Informed bank, bank only credited me {$3600.00} dollars. And told me that was final credit to account. Informed bank that my account was still getting hacked. Bank kept denying claims an never changed my checking account number left account as is an only gave new debit 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 explanation
Consumer complaint received 2023-10-01
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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: Problem with personal statement of dispute

Complaint:
I have contacted Penfed ( my current credit card company of over 8 years ) multiple time in the last few months at their customer care phone number. I did so because I no longer have a checking/ savings account with them but opted in to use an external account ( my outside bank ) to make a payment on my Penfed credit card. Each time I spoke to Penfeds reps, I was given a form to fill out which I did and returned. I then was walked through setting up the external payment online, which I did. I lastly was told that I needed to wait until two small deposits were made into my external account in order to verify it before I could use the external account to make a payment towards my Penfed credit card. Each time I called in to check on this, I was told it was pending. I got multiple calls from their payment collection team because I missed my payment due to this. Penfed allowed NO OTHER OPTION to make a payment towards my credit card since I did not have their checking/ savings. I also am not local to them to visit a branch. I requested a manager for callback multiple times which they never called me, only promised to have one call. THIS CAUSED A PAST DUE PAYEMENT record on my XXXX and XXXX credit report which dropped my credit score. I believe this was not in fault of my own, but a fault of Penfeds system as well as customer care reps who lacked the knowledge and care when I would call about this issue. I am demanding Penfed remove the past due record entry on my credit report or I will seek further legal action. They have all calls monitored and recorded from the countless times I called in regarding this issue as well as every time I brought it up when they called me about payments. 
Desired Outcome/Settlement Desired Settlement : Correction to a credit report - Removal of past due

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 2023-08-21
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX I reported to the credit card company ( Apple Card c/o Goldman Sachs ) that my card had been compromised and that over 50 charges of {$100.00} and one of {$160.00} and {$320.00} had been assigned to my account. These charges appeared to come from XXXX as they were accompanied by XXXX characters. 

Apple then credited the fraudulent charges ( as they should have ) and started and investigation. 

Then for some reason, they credited the amounts again, which resulted in a credit balance of - {$2500.00} which was the result of the second crediting less the amount that I actually owed them of {$310.00}. 

I sent them a letter dared XX/XX/XXXX ( copy attached - Applecard.pdf ) explaining that they had made a mistake. I never received a reply. I attached a marked up pdf of my XXXX statement ( also being forwarded to you - XXXX ) which outlined the problem. 

In the last week, I received a series of emails informing me that the dispute had been settled and they were adding the charges to my account as they had been already credited. 

This should have resulted in a total amount owed of the {$310.00} BUT after paying that amount I find that they are still charging me {$1000.00}. 

I called them yesterday and was unable to either resolve the problem or even get them to investigate. I sent them another letter this morning and I am also forwarding that letter to you ( XXXX ). 

It seems illogical to me that they would take off the fraudulent charges TWICE and then replace them and it would result in a total of charges that I did not charge to this card. 

Please help. I do not wish to pay over {$1000.00} that I have not incurred. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I simply applied for a chase freedom unlimited card because I wanted to shop around and see what rate I would be given. I was approved and told my card would be mailed and I was given a 23.75 % interest rate. That is the highest rate possible, which is god awful. Anyway, I merely wanted to see my options and never would have sanctioned approval for a credit card with a terrible interest rate. They would have to cut that rate in half otherwise that is what I would do with the physical card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX and trans union shows incorrect report and trying to reducing my scores. 
I tried many times to Dispute them but I couldnt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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 recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( XXXX, XXXX, AND EXPERIAN ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have XXXX business days to block and delete the information. 
I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: AZ
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:
Equifax is showing that I have XXXX accounts with them ( revolving, mortgage, installment, other ) yet when I pull my report from MyFICO there is a score and a report with many accounts ( about XXXX ). I've tried speaking to Equifax and they are saying that I don't have any current accounts but this is untrue. I don't know why I can pull an Equifax report through FICO that is accurate but their own website is innacurate. I am closing on a mortgage in a couple of weeks and they can't generate a score due to this issue, therefore I can not get my mortgage at this point. The mortgage company was able to pull an Equifax report in XXXX of XXXX and XXXX of XXXX without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The credit card account ending in XXXX was opened in XXXX. The balance remaining was less {$150.00} on a {$250.00} credit limit. 
All of the payments were paid on time. A Chapter XXXX was filed the U.S. District court in XX/XX/XXXX and this debt was included. The trustee sent all payments to Capital one and left a XXXX balance on the small debt initially owed. The case was discharged in XX/XX/XXXX owing no debt to Capital One. Last year, a past due amount reappeared and I contacted Capital One, they pulled the bankruptcy findings and corrected the debt as they should have. 
A year later, Capital One has decided to re-collect in debt not owed using unfair and deceptive practices. After speaking to a rude XXXX, ID Operator number, XXXX, she stated they can keep this debt on 10 years even though although nothing is due. This debt is now over 8 years old and it was all satisfied in XXXX. No one at Capital One could explain last payments received by trustee or why this this collection reappear year after year. No one would escalate to a manager to get clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: CA
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:
As of today, XX/XX/XXXX, my request for my consumer file has not been provided nor have I received a response to my complaint submitted on XX/XX/XXXX ( see attached ). As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. Equifax is intentionally and willfully neglectful in remedying my affairs as they confirmed that they do not have any substantial proof of evidence for the below-mentioned account to be able to legally furnish the account on my consumer report. As a reminder, I am not requesting a dispute.15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 I ( A.5 ) says that after are investigation all unverified information must promptly be removed. This will be my final demand for Equifax to remove the account XXXX XXXX XXXX XXXX - XXXX from my consumer report immediately. Otherwise, I will proceed with seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, my partner XXXX XXXX makes me a transfer through the Wise platform, which sends me the link to follow up. For XXXX XXXX NUMBER XXXX They argue that my transfer and reached my account, but the money was never reflected. I have the receipt, I have already sent you many emails and it does not solve anything at all. 

In some emails they tell me that it will be solved in five days. In another email. They tell me that only the person who sent the money is Who? You can follow up to date today. XX/XX/XXXX. It's time that it doesn't look reflected and they don't give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
There is no sub category for my issue so this complaint is probably classified wrong. This complaint is against Transunion. First let me say this complaint will be used as evidence against Transunion in the law suit my lawyer in currently in the process of filing. My credit score with Transunion was XXXX. This was before a collections debt in the amount of {$800.00} was removed from my credit report. Transunion knew that this collections debt with XXXX XXXX XXXX was a fraudulent debt yet they chose to allow it to be reported on my credit report. I finally got it removed. After it was removed my credit score increased considerably. 2 days ago out of the blue my credit score dropped to XXXX. My credit score was originally XXXX. I had a collections debt in the amount of {$800.00} removed from my credit report and my credit score initially went up then it dropped. Not only has this fraudulent debt been removed from my credit report but my overall credit usage also dropped 6 %. My total open account debt dollar amount was reduced by almost {$200.00}. How does my credit score go from XXXX to XXXX than back down to XXXX when a collections debt for {$800.00} was removed from my credit report and my credit usage decreased and my open accounts debt decreased by almost {$200.00}. My score is lower now then it was when the {$800.00} collections debt was being reported. I say Transunion has deliberately reduced my credit score out of retaliation against me for reporting their crime to the Illinois attorney Generals office. I also exposed their lies. Transunion claimed that they verified the debt between me and XXXX XXXX to be valid. They claimed they had received additional information from the Original creditor that proved the debt was valid and mine. This was a lie. The original creditor verified that I had no responsibility for the debt. Now Transunion is retaliating aginst me by keeping my credit score low.

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