BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: Experian Information Solutions 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:
This is my 4th attempt at trying to rectify this matter with Experian. Either the credit bureau disputes specialists are blantanly disregarding the irrefutable facts of the inaccuracies on my credit report or thier E-Oscar system is auto denying my disputes in regards to this account. 

Someone from the CFPB please take a look at this screenshot from Experians webiste from today XXXX and as you can see this is grounds for deletion. 

How is the original balance owed {$1500.00}, but the balance being reported is {$1500.00}? 

This is INACCURATE REPORTING. This is 100 % irrefutable grounds for deletion. Factual reported data straight from Experian.com. 

Ive already contacted XXXX XXXX at my state attorneys general office to assist in this matter as well as Experian 's business ethics are in question at this point.

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 2021-08-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
USAA charged me {$240.00} on XX/XX/2021 for accessing my own money, contrary to what i was told by USAA Representative that it was my money and i could access it anyway without any USAA fees or charges. 
And on XX/XX/2021 USAA charged me XXXX cents for interest. 
Where is the balance that i owe? that i am being charged interest on?? 
For years and years, I always pay off my FULL balance, long before the due date. 
There is obviously glitches on USAA 's systems! 
Where there is no money borrow or loan or advanced or even outstanding, why am I being charged interest??? 
Why the XXXX, am i being charged fees and now interest on my very own money???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

* Account name : XXXX XXXX XXXX # XXXX * Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX *Account name : XXXX XXXX XXXX XXXX XXXX Act. # XXXX *Account name : XXXX XXXX XXXX XXXX *Account name : XXXX XXXX # XXXX *Account name : XXXXXXXX XXXX XXXX XXXX. # XXXX *Account name : XXXX XXXXXXXX XXXX XXXX Act. # XXXX *Account name : XXXX XXXX # XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-03-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice via my credit reporting monitoring service that IC Systems placed collections account on my credit in the amount of {$120.00}. I have not received any communication regarding this debt by mail or telephone. I immediately went and paid the balance in full. I am requesting that this collection be removed from my credit report immediately due to non-communication by IC systems and the fact I have paid the account off in full.

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 2020-03-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
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 non-monetary relief
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have fraudulent inquiries on my XXXX credit report and they will not remove them. I contacted the company directly and they did not help me. I did not apply for accounts with the banks on my report. I have fraudulent inquiries on my account from capital one, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
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 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One has been charging me interest on a cash advance withdrawal from 7 years ago that's been paid back 5 times over. 
This has made it impossible for me to catch up with payments. 
They also charged me overlimit fees that they refuse to take off making it more impossible to pay on the credit card. 
This has also hurt my credit rating. 

I'm sure Capital One got PPP loans to help themselves through the corona virus pandemic. Yet, they won't help consumers in these challenging covid19 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14
Company: NCB Management Services Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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:
XXXX XXXX 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 2023-04-25
Company: 21ST MORTGAGE CORP.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2023, 21st Mortgage contacted me about a payment I was supposed to make. I was unable to make the payment and would have the funds by XX/XX/2023. 
The first rep XXXX wanted to adjust the payment date and called the supervisor to approve it. The supervisor XXXX came on the call and the sound faded. I apologized and said the call is fading and I can't hear you. She implied that I was lying about not hearing her. They both began interrogating me asking why I didn't make the payment as I said and that I am always late. I explained that I am not a child but a XXXX woman. She replied back that I am acting like a child. I asked to speak to her supervisor and she said she was the supervisor and there was no one to talk to. I have never been 30 days late and was made to feel less than. It was 2 against one they both ganged up on me and began verbally abusing me. She also mentioned that my file was flagged for being a difficult customer. I want to file a complaint against the reps that treated me in a very unprofessional manner. It is worth noting that the reps were XXXX  and I am XXXX XXXX. I assume because of this they could communicate in a disrespectful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off a trailer and after multiple phone calls and promises of lien being expedited nothing has been done. Wells Fargo is in violation of 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 2023-10-17
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 sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened up a XXXX account a month or so ago. I opened two lines which should have been under one account. One account was created with the second number listed as a sub-account. I paid both bills and got the accounts fixed with XXXX. I received a statement from the account that was no longer in service as it was switched that had an overpayment of {$88.00} for account XXXX which was switched over to the main account. I called XXXX back and asked if that overpayment could be transferred to my main account to pay my current bill. They allowed that to happen. A few days later a get a text message from MRS BPO collection agency stating that I owed debt of {$88.00} on the account XXXX which was refunded to me. I contacted XXXX who stated I had not been turned into collections and that everything on my account was current. I answered a call from MRS BPO on XX/XX/2020 and told them that the debt was not legitimate and requested only to be contacted in writing and requested proof of the debt. They were also asking personal information about my XXXX account. I am still receiving text messages in regards to the debt which is not legitimate after making it known I only want to be contacted in writing. I called XXXX again today ( XX/XX/2020 ) and told them what was going on. They stated again there is no outstanding collection and that all accounts are current.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company Ad Astra Recovery Services , Inc. is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Rent Recovery Solutions
State: GA
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:
I am a victim of identity theft. I contacted the credit reporting agencies with all of my identity theft reports ( police report and FTC report ) and they removed this fraudulent account from my reports shortly after receipt. Then this company waited a few months and put the account back on my credit report by acting like its a new account. I need this fraudulent account removed. I've attached the conditional acceptance my XXXX XXXX law firm told me to send in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Midwest Resale Specialist, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midwest Resale Specialist, Calls for different numbers, call ID people businesses names. Called twelve times on Sunday XX/XX/23, Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had 5 unauthorized XXXX withdrawal transactions from my checking and savings accounts with Bank of American on XX/XX/2022 on the same day. From my checking account 2x {$980.00} and {$400.00}. From my savings account {$980.00} and {$100.00}. The total of {$3400.00} fraudulent transfer transactions. 
I did not authorize these transactions, I dont know who the other party is, and did not loose my device or share my password with anyone. All transactions were from the same individual. 
I filed a fraud claim with BofA immediately and they investigated the case for 2 months. They initially credited my account with the total amount while investigating. They closed the case indicating that they could not find evidence and withdrew the total amount credited. They cited that they can not refund me the money due to insufficient evidence. the claim numbers are XXXX and XXXX. 
I filed a police report for identity theft in XXXX with the XXXX of XXXX, CA. I subsequently opened a new claim with BofA to start the investigation again. So far, its been more than 10 days that I have not heard back from them. 
BofA is not taking responsibility for these fraudulent activities despite the fact that XXXX is part of BofA. They do not warn consumers that they provide no protection. They can trace the account the transactions was made from and stop or re transfer. The response I got is there is not much we can do about it. I have spent hours on hold over the phone trying to get through their fraud department in order to speak to someone either to open claim or get status update. They did not send email updates on the status. If they can not protect their customers, they should not make XXXX as part of their operation. I have been a victim of identity theft and BofA is not taking any steps to take responsibility or any action to prevent them. This is unacceptable and BofA should be held accountable and refund my money. Thank you for your attention to this matter and I look forward to hearing from you. 
Regards, 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 2019-10-07
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Debt has reached the Statue of limitations. They sent me a letter and called continuously. I do not own the debt.

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 2018-01-29
Company: EQUIFAX, INC.
State: NV
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 received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: CA
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:
The consumer reporting agencies violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency Can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
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:
I came across with XXXX XXXX XXXX XXXX  XXXX  and get {$400.00} per week I fill up all my information weeks later I got a check over the mail for XXXX sane that XXXX needs to go today XXXX XXXX XXXX I deposit through XXXX {$500.00} in their account and then I realize that its scam, he pushes me to go and do a money order and send it to them via overnight mail then I realize that its a scam I called XXXX XXXX right away and try to stop the transaction I file a claim and XXXX XXXX just sent me XXXX XXXX XXXX that same they can not credit me back I wanted to see if someone can please help me Im unemployed right now and I thought that its gon na be nice to make an extra money I cant believe I fell into a scam

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have notified XXXX, Transunion XXXX XXXX MULTIPLE times stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my state attorney general. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I too am a victim of these deceptive business practices and fraudulent accounts not being removed from my credit report. Please remove ASAP. 

Transunion and XXXX are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP.

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