BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: MN
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:
We purchased a mattress from XXXX XXXX that has been defective and we have had it less then a year. The mattress company unfortunately has gone out of business. Probably because they are terrible quality. I have sent the mattress back and I filed a dispute with Wells Fargo credit card on XX/XX/XXXX and they still havent updated anything on it and its now XX/XX/XXXX. I understand things may take a while but I dont understand why its taken this long.

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 2022-11-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX 2022 i contacted this company and requested to have my account closed and deposit returned

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 2023-04-15
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IT'S TWO ACCOUNTS ON MY CREDIT REPORT THAT IS FRAUD FROM BERLIN WHEELER AND XXXX XXXX XXXX AND THEY ARE TRYIG TO COLECT MONEY ON A FRAUD ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was given a credit reversal on XX/XX/XXXX for a service I was coerced into purchasing at the airport, I wasn't even able to use said service, I made claim and received my reversal on XX/XX/XXXX, apparently on XX/XX/XXXX I was given a refund from the merchant, instead of the bank recouping the reversal into their account, they let the refund go into my account, did not notify me of the refund on the XXXX of XXXX in form of letter, email, or in app message. forward to XX/XX/XXXX, the credit reversal was taken away a day before I had to pay my rent, so effectively the balance was in the negative, I woke up to low balance alert and was told I was refunded my money and anything else the bank may have made an error on is on me, I spoke to several customer service reps, supervisor and claims department, all were equally unhelpful, I feel I was charged wrongly a month later, was not notified of any charges or refunds prior as well. I feel they have mismanaged my funds and I'd like to he reimbursed the money they took from my account. I tried complaining to the bank but was refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX 2022 i contacted this company and requested to have my account closed and deposit returned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Olympic Collection Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Earlier this year in XXXX, I received a collection letter from Olympic Collection Inc ( OCI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX claiming that I owe over {$500.00} relating to towing expenses. I called OCI and was told that there is a XXXX XXXX that was towed, and that the vehicle is registered under me thus they sent me a collection letter on behalf of the towing co. I told the case manager that I sold that vehicle in XX/XX/XXXX and that I will provide her information to prove so. 
On XX/XX/XXXX I emailed them a copy of the Notice of Transfer that I obtained from the local tag agency where I filed the paperwork right after I sold the vehicle. The Notice of Transfer shows that I sold the vehicle on XX/XX/XXXX and it also lists the name and the address of the person the vehicle was sold to. In the State of Oklahoma, when you sell a vehicle, you are required to get a Notice of Transfer to prove that the vehicle have been transferred from the seller to the buyer. From that moment on, it is the responsibility of the buyer to have the vehicle registered in any state they desire ; the seller bares no liability. I called and explained this to an OCI employee and was told this is not enough to prove the vehicle is not mine. 

I decided to contact the Oklahoma Tax Commission ( OTC ) agency and they agreed with me that according to Oklahoma law. They offered to write a letter on my behalf which stated that " A Notice of Transfer was filed with the State of Oklahoma on XX/XX/XXXX. Per Oklahoma law, XXXX  is no longer the owner of record. The Notice of Transfer releases him from liability for this vehicle. '' The letter also includes the office number in case OCI wanted to contact them. I emailed the letter to OCI on XX/XX/XXXX and called twice within 3 weeks and was told that they will contact the Oklahoma Tax Commission and get back to me. 

I received a call on XX/XX/XXXX from an OCI employee who told me that the claim will go forward since I did not provide enough information which is incorrect. According to the state I reside in and in which I conducted the business, I am not liable for that vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a letter dated XX/XX/2022 from Equifax stating they had made an error by duplicating a negative collection account on my consumer report. The same account that I have been disputing as inaccurate multiple times perviously but they seemed to verify it as accurate ; Because of Equifax 's error I was denied a credit opportunity by a lender between XXXX and XX/XX/2022 and it was because the duplicate negative error showing an additional negative amount of $ XXXXProtected under the FCRA credit reporting agencies are required to provide accurate and complete information in a consumer 's credit report and Equifax has failed to do so. Not only did Equifax report false and inaccurate information on my consumer report but because of this significant error I was denied a credit opportunity from a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi XXXX has a 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 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: AL
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 student loans were discharged on XX/XX/2023 due to total and permanent military XXXX. XXXX is the only credit reporting agency who has removed the student loans from my credit report as instructed by XXXX and the Department of Education. I have contacted Equifax and XXXX on several occasions and provided them with documentation and they still will not remove the loans. This is preventing me from being able to obtain a mortgage or anything else. They keep giving me the run around saying their is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: LEXISNEXIS
State: TN
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 I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX, and XXXXXXXX XXXX, that several of the rights given to me by Congress have been violated. No account can be furnished on my credit file without my written permission. I have given nobody written permission to furnish a XXXX or XXXX on my file. I am demanding that they cease and desist any conveying of information directly or indirectly to any person through medium regarding these false debts. I have filed an identity theft report. Being that Im a victim of identity theft, all consumer reporting agencies and secondary agencies must remove and block these accounts within 4 days of being notified. It is past 4 days so they are in violation. Also reporting any account as a charge off is illegal and is considered tax fraud by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Countrywide Mortgage that originated in XXXX. Bank of America services the mortgage. Bank of America has informed the CFPB that they answered a Complaint I made ( Complaint XXXX ) and submitted to the CFPB on XX/XX/XXXX The CFCB website states that Bank of America responded to the Complaint on XX/XX/XXXX. It is now XXXX XXXX EST on XX/XX/XXXX and I have not received the response. " Status Company responded on XX/XX/XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. '' 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 2016-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Dear Credit Reporting Agencies : XXXX XXXX XXXX , XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I taken personal loan 4Years back in XXXX XXXX XXXX XXXX and I fully paid said amount... but they not update my last payment of XXXX but it shows outstanding balance of XXXX in XXXX  score ... Kindly resolve this issue..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I got a reverse mortgage in approximately 2006. I can't state that I was informed about the taxes I am not sure. Champion Mortgage now has the loan and I would pay the taxes then I would make payments to repay the amount. They are charging me for homeowners when I have been paying homeowners since I bought the home. I have informed Champion and I am sure that a lot of what they are trying to foreclose on is the insurance. No one there took any interest in what I had to say. I am XXXX and need help. The company looked into the taxes that was owed but did not show any credit for all the years of home owners insurance I paid since 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-08-18
Company: EQUIFAX, 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:
I'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Balance Owed : {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hi My name is XXXX XXXX XXXX wanted to let you know i was scammed by a person and I authorized the transactions but never received anything back from the person. I am a customer of one west bank. My account number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX CA, XXXX. I need my money back because i am a current XXXX  at XXXX and I need my money back from the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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 actXX/XX/XXXX Account XX/XX/XXXXXXXX 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 ar open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 it off on XX/XX/2022 I told the credit bureau to investigate every piece of information on the accounts listed below. Also, I have attached the letter sent out. According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode 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. They stated 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 % accurately. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. Account name XXXX XXXX XXXX account number 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 2022-11-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I did not want my XXXX account to be closed, and was locked out of the card. I made numerous attempts to access the card and use it before the card was shut down, and Synchrony bank was not accessible for help. I would like for my Amazon store card to be reinstated. There is no reason that the bank closed this card on me rather than helping me access it. This hurts my credit score because it is one of my oldest cards, and this is not right. I have been trying to recover my account from some issues and was locked out of this account. Please assist in reinstating my XXXX credit 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 2023-05-02
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:
XXXX XXXX, and XX/XX/XXXX. I disputed errors within my credit report showing alleged debt. Ive sent letters showing open accounts on collections, past due balances on collection, debt validation/ verification letters of alleged debt with break down of each item. I only received a computer generated response that it was verified and updated but no proof of my wet signature, verification of debt, name and number of person spoke with to prove alleged debt. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681,15 USC 1681 a ( 3 ), 15 USC 1692g Verification of debt, 15 USC 1692 b-c Communication in connection to debt collection, and 15 USC 1692j XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation