BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: PA
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 am investigating a fraudulent account on my Equifax credit report the account is listed under XXXX XXXX Acct # XXXX Equifax has claimed they investigated this on my behalf and have come back that the account is verified and accurate. Today XX/XX/19 I spoke with the company using the number provided and was told that they do not have record of this account in their system at all. I want to know how did Equifax verify this debt if the company itself can not verify it cause it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CHARLES SCHWAB CORPORATION, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Charles Schwab. I sell items on XXXX and XXXX. I recently received a small SBA Covid assistance loan amount of {$5400.00} and my XXXX account has since been blocked. I use this account to pay my credit cards/expenses and to receive payments. I was given no warning about losing account access. How do I pay for things? I have called multiple times and no one will help me. I first called on Thursday, XX/XX/XXXX after trying to pay a credit card payment that was due and found I could not login to my account. I called again on Thursday. I also called on Friday. I kept being transferred to different departments. First, someone told me someone had tried to login from XXXX. Then they tried to help me reset my username and password, but that didn't work either. Then I was told my account was being investigated for fraud and the issue was above their pay grade. They have made me feel I have done something wrong and that I am a bad person, when I haven't done anything to deserve this treatment. I can't believe no one there can help me in a timely manner. I don't have days/weeks to wait to access my account. They have not asked me for any documentation of any sort, which I would have happily and quickly supplied. It would have been nice if they asked me for whatever they needed prior to blocking/freezing my account. There is just no sense of urgency, when there absolutely should be.

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX They closed the account and reported that I paid late. If you see the screen shot I have paid them the majority of the time the account was open on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to bring to your attention a matter concerning an unauthorized transaction that took place on my business XXXX XXXX XXXX, checking account # XXXX with Wells Fargo BankXXXX, on XXXX XX/XX/XXXX and XX/XX/XXXX, I noticed that {$12000.00} was withdrawn from my account through an ACH transaction made by XXXX XXXX XXXX While {$4600.00} of this amount was returned, I am still missing {$7600.00}. 
I immediately contacted both Wells Fargo and XXXX XXXX to report this issue and was informed by XXXX XXXX that they require a reference number from Wells Fargo in order to investigate the unauthorized transaction. However, Wells Fargo provided me with a reference number starting with XXXX, which XXXX XXXX advised would not help in finding any information on their system. Additionally, I have never done any business with XXXX XXXX and they are unable to find any information about me. 
I am extremely frustrated with the lack of assistance from Wells Fargo in resolving this matter. Not only are they not helping, but they are making it impossible for me to recover the money that was pulled from my account without my permission. As a customer of Wells Fargo, I have always relied on the security and protection provided by the bank. I believe that it is the responsibility of the bank to assist in resolving this issue and to reimburse me for the unauthorized withdrawal, which was a result of a breach in the bank 's security measures I have attached all relevant documentation, including a copy of my account statement, to this letter. I request your assistance in resolving this matter and a full refund of the missing {$7600.00}. If necessary, I am willing to provide additional information or documentation to assist in the investigation. 



Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX terrace XXXX fl XXXX Phone : XXXX E-mail : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 need to remove Bk off 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 2023-12-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to formally state that all recent inquiries made by these companies are not authorized and are unknown to me. Upon reviewing my records, I discovered several inquiries I did not initiate or approve. 

I want to bring this matter to your attention to ensure it is documented accurately. I request an immediate review of my credit inquiries records to confirm the unauthorized nature of these inquiries. Please take the necessary steps to rectify this situation and cease any further unauthorized inquiries on my behalf. 

If there are any additional steps required from my end to address this matter, please provide guidance. 

Thank you for your prompt attention to this concern. I appreciate your cooperation in resolving this issue. 








Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In 2016 I hired XXXX XXXX XXXX to help with settling our debt. Through them, we settled the accounts and I paid Capital One Credit Cards off. I have been getting numerous letters from debt collection agencies trying to collect on this debt. When I send them a fair credit reporting letter requesting proof of debt and supply them with the paid account information, they sell the debt to another company and the cycle is continuing and the debt is being reported as though the credit card is still active and payments are late. The account is not still active and it has been settled and paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/2019, I received a charge of {$1000.00} ( statement ending XX/XX/XXXX) on my Uber Visa card that is managed by Barclaycard. This was a merchant charge completed by XXXX XXXX XXXX. In early XXXX, I contacted Uber regarding this charge and requested to dispute it. 
On XX/XX/2019, Uber provisionally credited by account {$1000.00} ( statement ending XXXX ) while the matter was disputed. I managed to resolve the issue with the merchant and on XX/XX/2019, Uber rebilled the {$1000.00} to my card ( statement ending XXXX ). XXXX XXXX XXXX  also credited me {$500.00} as the original charge on XXXX XXXX should have always only been {$500.00}. 
On XX/XX/2019 I received another charge of {$1000.00} to XXXX XXXX XXXX ( statement ending XX/XX/XXXX ). I first contacted the merchant XXXX XXXX XXXX and confirmed that they did not authorize the charge nor did they receive payment from it. I have been in contact with Uber Visa since XXXX regarding this matter and in good faith have been told several times that this charge is verified as erroneous, that it would be " escalated '' to receive credit and to wait 7-10 days. I have done this for several weeks in good faith as I've been told in good faith they would fix this. I have been given a number of case # 's for this issue including CIS XXXX. Each time that I call back, I am told that I am wrong about this and that both charges somehow cover one provisional credit. I then re-explain the entire matter and am again confirmed that the charge is an error and that it will be fixed. Each call after the first 2, I have requested and been denied the ability to speak to a supervisor. I am at a complete loss as what to do next. This is not a fraudulent charge but error on Uber 's part but at this point ( about 6-7 weeks of phone calls and escalations ) they are not doing anything about it.

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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX XXXXXXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 4 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 6 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a credit hit for a new debit collection in the amount of {$560.00} for XXXX, but never received any information regarding this debit or that it was any attempt to collect and or given the opportunity to resolve with other opposition, I have filed a police report for identity theft.But requesting that this be removed from my report per the credit report this account was opened in XXXX of 2023. Yet I havent had XXXX in years and debit was paid then.

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 2023-12-02
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Received text scam trying to get me to open a website to hack my info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: American Coradius International LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter XX/XX/2021 from American Coradius International LLC claiming I owe {$500.00} to XXXX and they are willing to take a settlement payment of {$370.00}. I contacted XXXX immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an XXXX  already as well as XXXX  and made them aware of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Professional Credit Management, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification that a collections was added to my credit report. I contacted the reporting agencies and advised that I was unware of this debt, did not receive any prior communication from the collection agency, and lastly, I have full coverage medical insurance through the State of TN for the last 26 years. I have disputed this debt and attempted to reach out to the collection agency multiple times, to no avail.

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 2023-04-22
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: Information belongs to someone else

Complaint:
I am writing this complaint on my own behalf there is no third party involved. On XX/XX/XXXX - I submitted a packet to Experian information solutions regarding 4 fraudulent accounts listed on my credit report, asking to dispute are remove these fraudulent accounts from my report. The accounts included : XXXX Card, {$6100.00}, Opening date XX/XX/XXXX - XXXX XXXX, {$4000.00}, Open Date XX/XX/XXXX - XXXX  XXXX, {$5400.00}, Open Date XX/XX/XXXX - XXXX XXXX, {$3100.00}, Open Date XX/XX/XXXX. This packet arrived on XX/XX/XXXX. The packet I sent to Experian is attached in the complaint. To this day, XX/XX/XXXX, these accounts resulting from fraud and identity theft still lie on my credit report. The law states that a consumer reporting agency is required to block any of the information on the report and/or file of the consumer if the CONSUMER identitfied the information is a result of an alleged identity theft within 4 BUSINESS DAYS after the receipt of the identity theft report and required accompanied documents. Experian Information Solutions failed to block such information resulting from identity theft - within the four business days of receiving my identity theft report. 
On XX/XX/XXXX Experian notified me of the dispute results, from the initiated date of XX/XX/XXXX to be complete. It appeared - three of the four fraudulent accounts came back verified in the dispute results. The results shared the company that reported the information has certified to Experian that the information is accurate. However, there was no affidavit sworn under oath before a notary public or similarly authorized person - as defined as true verification by Federal Law. I never once received from Experian ANY form or sworn statement provided under oath nor any affidavit of truth with valid notary signature - therefor no verification has been made per U.S. Federal Law. Unfortunately, these falsely claimed verifications have illegally excused Experian to continue to furnish fraudulent information on my credit report, lowering my credit score, and drastically TARNISHING my ability to operate freely in commerce. This has kept me from making purchases and necessary moves with my credit, and is negatively impacting my quality of life in commerce.

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 2020-04-02
Company: Prime Choice Funding Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a letter in mail from Www.primechoicefunding.com NMLS XXXX advertising that I was preselected for a very attractive mortgage refiningnancing rate. Upon my contact with the company I was assigned a mortgage officer XXXX XXXX to whom I submitted all required info. I mentioned to him that I work with another lender and already locked in at a certain rate and submitted their official loan estimate. XXXX run my credit history without notifying me first and then started making assumptions and giving me go around without giving me loan estimate or rejection even though I submitted all documentation and it satisfied all requirements. I have a full record of our email correspondence upon request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation