BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: WELLS FARGO & COMPANY
State: NY
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:
The payments on the student loan was deferred from Wells Fargo Bank in XX/XX/2020 due to the current pandemic COVID19. Wells Fargo Bank still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XX/XX/2020 which was incorrect. There was no communications either through written mail or phone from Wells Fargo Bank from XX/XX/2020 through XX/XX/2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted Wells Fargo Bank stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and Wells Fargo Bank still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.

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 2022-01-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 loan with XXXX  XXXX bank was given to the Midland Credit company for collection and I arranged a payment plan with this company and paid an adjusted amount and last last payment on this account being on XX/XX/2021. The Midland account number is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I spoke with a representative with the Midland Credit co. and he stated that their records indicate it was paid in full on the aforementioned date. 
I would like for this discrepancy to be rectified as I am desperately trying to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion refuse to comply with the FTC affidavit submitted

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not 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 explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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 sent off my letter requesting an investigation on XX/XX/2023 via certified mail. 

According to the FCRA the term Investigate consumer report means a consumer report or a portion thereof and which information on a consumers character, general reputation, personal characteristics, or mood of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

These accounts state different dates and amounts being reported and is not 100 % accurate. They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate as stated. According to the FRCA 15 USC 1681 everything has to be 100 % accurate or it must be deleted by law. Below are a list of inaccurate accounts containing inaccurate information. I am requesting these to be removed permanently from my credit reports ASAP. 

XXXX. XXXX XXXX ( original creditor ) / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Pa XXXX XXXX XXXXXXXX XXXXSame debt also reported on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX Acct # XXXX ( last 4 ) * Multiple inaccuracies reported on this collection file. 

XXXX. XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2023-10-18
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank amazon store card and JCPenny cards have both charged excessive late fees in the past month. I have a good history with both cards, and typically have paid the statement balances in full each month. However, because of out-of-town travel and mis-communication about returned products credits, I missed payment for both cards. 

I promptly made more than the minimum payments required once I realized the payments were still due. Regardless, {$41.00} late fees for {$32.00} minimum payments are excessive and unjust, especially considering the length of time and previous good standing of both accounts.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
File fraudulent claim with XXXX and the police division # XXXX. This is not my account. 

XXXX XXXX BANK - XXXX {$7700.00}

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 2022-03-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account with TD Bank in my name. I did not initiate the opening of an account ever with TD Bank. I have reached out to TD bank several times now and was told it was taken care of and it has not. 

I have now received a debit card, overdraft fees on an account that is fraudulent and been going in loops with the bank yet again today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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: Personal information incorrect

Complaint:
Experian is reporting a lot of addresses that are not mine. 

I have my current address and my previous address, which are the only two addresses that should be on my report. Nothing else.

Experian has almost two dozen other addresses on my file that are not mine. I would like for them to remove any address that is not current or is not mine.

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 2020-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I wanted to purchase an item online, the seller requested funds from XXXX to be transferred using his phone number instead of XXXX to avoid fees. I figured my bank should have fraud protection in case anything went wrong with XXXX and cover my money. I filed a claim with wells fargo and got absolutely no help and they said I cant get my {$500.00} back. I contacted the seller several times to get my money back and requested through XXXX and he declined. I called wells fargo before doing the transaction to ask if I was protected before doing so and the phone banker stated yes and I did he transfer.

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 2023-08-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-02
Company: Kikoff Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
KICKOFF IS REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS AND CAN NOT VERIFY MY PERSONAL INFORMATION

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 2018-05-07
Company: Innovis
State: OH
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 XX/XX/ I submitted a dispute with CBC Innovis in regard to inaccurate public records showing on my credit file. Namely, Judgement with XXXX funding, unknown judgement, and tax lien. I received a response back XX/XX/ that all public records were verified with XXXX XXXX. These public records are inaccurate and according to the law must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America Client Protection Subject : Unauthorized {$10000.00} Deposit to My Business Account Dear Bank of America, I am writing to bring to your attention an issue with my business account under the name XXXX XXXX XXXX. On [ XX/XX/2023 ], a {$10000.00} deposit was made into this account that I did not authorize, and I have no knowledge of its source. I believe this deposit is unauthorized and requires immediate attention from your Fraud Department to rectify and resolve the situation. 

To clarify, I, XXXX XXXX XXXX, did not initiate or approve this deposit, nor do I have any record of such a transaction in my financial records. This deposit is both unexpected and unauthorized. I want to emphasize that there is no fraudulent or suspicious activity on my part. I am in full possession of my account and have not engaged in any unauthorized financial transactions. 

I kindly request that Bank of America 's Fraud Department initiate an investigation into this matter promptly to determine the source and legitimacy of the {$10000.00} deposit. I am fully prepared to cooperate in providing any necessary documentation or information that can assist in resolving this issue. 

I understand the importance of maintaining the security and integrity of financial transactions and am committed to assisting in any way possible to ensure a swift and accurate resolution to this situation. Please keep me informed of the progress of the investigation and any actions required on my part. 

Thank you for your prompt attention to this matter. I trust that Bank of America will take the necessary steps to rectify this situation and safeguard the security of my business account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Please make sure to adapt the letter as needed, include your specific account details, and consider sending it through certified mail or any secure communication method for documentation purposes.

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 2023-06-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I banked with Wells Fargo from XXXX, I received several overdraft fees amounting over {$200.00}, despite having a student banking account. Some fees were even added despite me covering the overdraft within 3 hours or less.

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 2023-06-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempted several times over the last couple years to reach out and explain that this is a account of my deceased husband. Once he passed away, in 2021, they started contacting me. During time of this account we were not together or in the same residence. I have requested several times for proof that this is my account, instead they raise the debt amount here and there by a couple dollars. On a monthly basis the amount owed fluctuates from XXXX to XXXX and as that amount changes it affects my credit score. Please research and remove as I am taking responsibility of my credit at this time. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: VA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: MI
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:
New and updated information in regards to complaint # XXXX Experian sent me a long drawn out response via CFPB portal but did not address or speak of what I actually was disputing which is 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 

( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term " consumer '' means an individual.

( d ) Consumer Report.- ( 1 ) In general.-The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons I did not receive any response to what I was asking to be corrected except that they are sending what I complained about to the furnisher. Experian is in violation of this law also 1681a. Definitions ; rules of construction

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 2020-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want Portfolio Recovery Associates to take this case seriously. I am willing to take this issu to the next step if I am not heared. This company is reaging an account, this is a serious violation to the California Credit Reporting Act, and I am demanding the following item to be removed from my credit report : Portfolio Recovery Associates, account # XXXX, original balance {$2300.00}. 

CFPB : Please send the attached documents to this company. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Ive been a victim of identity theft. This is not my 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 2023-07-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am in an XXXX relationship. I ordered protection services through Experian. Their website is severely bugged and you can not get a human on the phone. Absolutely incredible. 

Additionally, the SMS shortcode I received from Experian appears to be shared with XXXX XXXX ( why does a corrupt gaming company have any affiliation with my finances? )

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 2020-06-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I opened an account with Santander Bank. I found a promotion on the internet stating that if I electronically deposited {$1000.00} or more within 90 days of opening the account, I would get {$220.00}. The promotion stated that the {$220.00} would be deposited to my checking account within 120 days of opening the account. I deposited {$1000.00} via electronic transfer on XX/XX/2020. It has been well over 120 days and I have not received the money.

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 2023-09-13
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 explanation