BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX accounts reinserted by XXXX XXXX federal XXXX was deleted in XXXX and then reinserted without a 5 day notice in XXXX. Removed again on XX/XX/XXXX, XXXX as you see in documents. 

XXXXXXXX XXXX XXXXXXXX was deleted in XXXX and then reinserted without 5 day notice i XXXX XXXX. Removed again on XX/XX/XXXX as you see in documents. 

Reinserted for a XXXX time without 5 day reinsertion notice XX/XX/XXXX. 

I wrote XXXX funding a letter asking for proof of debt and showing it had been deleted prior. no reply for XXXX weeks

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 2021-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Below is the email I sent to Wells Fargo. I paid my mortgage payment and credit card payment this month. Both were returned and a {$27.00} fee was added to my bill. I've read several other related complaints against Wells Fargo while investigating this. 

I'm wondering if Wells Fargo is attempting to benefit from scamming their customers. I paid my credit card payment twice last month and Wells Fargo returned the first payment. Just like Wells Fargo returned my first mortgage payment. 

I got charged a {$27.00} " returned check fee. ". 
I didn't write a check. I transferred money from my XXXX checking account and I have sufficient funds. My minimum credit card payment was {$20.00} higher than last month and I haven't used that card in over a year. Also, I've been receiving multiple letters a week referencing my mortgage is XXXX days delinquent. 

I would like to speak with a representative in reference to these incidents. I work nights so I'll be available by email to call a direct # or by phone after XXXX XXXX  est. 

Thanks, 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 2019-10-11
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services ( hereinafter CCS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. CCS lacks a bonafide and meaningful relationship with me, meaning CCS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by CCS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, CCS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, CCS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that CCS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from CCS, I was able to mail them a notice of dispute more than 30 days ago, and requested that CCS provide me with verification/validation of the alleged debt in the form of substantively admissible evidence, including but not limited to properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that CCS responds to this complaint countering that it did mail, or send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that CCS provide me with the name or names of the person or persons who possess personal knowledge of those facts, as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Bread Financial Holdings, Inc.
State: FL
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 believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
COMENITYBANK/ XXXX XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is now my 5th time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/XXXX and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. For the 5th and final time Please remove the inquiries that I have requested to be removed on XX/XX/XXXX under complaint # XXXX as well as XX/XX/XXXX under complaint # XXXX and XX/XX/XXXX under complaint # XXXX. There are still 2 remaining inquiries that shows as the following on my credit report that has not yet been removed. XXXX XXXX XXXX  and XXXX XXXX, 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 an account without my written instructions. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.

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 2023-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XX/XX/XXXX - I received email from Bank of America that I had messages to review. When I logged in and opened them, it had to do with insufficient funds. But there was over $ XXXX in the account. 

When I called in, I was told the account was on " hold '' due to an ACH transaction I had initiated with another already-verified institution that I was told could not be " verified ''. I was told the " hold '' began on XX/XX/XXXX. After several conversations with the Fraud department at BofA, I was told the only resolution was to bring a copy of my bank statement from the other financial institution showing I owned the account. 

WHY WAS I NOT CONTACTED DIRECTLY BY THE BANK?? INSTEAD, I HAD TO CALL THEM. 

XX/XX/XXXX - I worked with a banker ( XXXX XXXX at the local BofA branch to accept the statements and he made copies while I was there and I was told it should take XXXX hours for the " hold '' to clear. 

XX/XX/XXXX - I called BofA Fraud department and was told the " hold '' was still in place. 

XX/XX/XXXX - I called BofA Fraud department and was told the " hold '' was still in place. After asking for escalation I was then informed that no one received the paperwork and was told I would need to revisit a branch and provide the forms again. 

XX/XX/XXXX - I visited a branch and again provided the statements that were asked for. I was told that as long as the information looked correct, that I should expect my " hold '' to be removed by the end of the day. 

XX/XX/XXXX - I again called BofA Fraud department and after escalating to a manager was told that they could legally have a " hold '' on my account for up to 30 days while they go through the verification process.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 interested in processing disputes on my credit report with transunion to delete all of the inaccurate information that is hindering my file. this has been an on going issue that is not correct on all 3 credit file. please review an delete all data that is listed to correct my file with transunion 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
Consumer complaint received 2023-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo will withhold charges until you are low on balance to intentionally cause overdrafts to charge fees

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 2023-05-15
Company: Experian Information Solutions Inc.
State: MT
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:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXXXXXX XXXX and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXXXXXX XXXX. Leaving the Report XXXX. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach XXXX documents that XXXX XXXXXXXX XXXX and Experian provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error XXXX ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error XXXX ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error XXXX ). Upon examining the provided documents is you will find a credit limit. The Experian Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error XXXX ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error XXXX ). Recent Balance is ( NOT REPORTED ) ( Error XXXX ). The payment history has been left blank ( INACCURATE ) ( Error XXXX ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXXXXXX 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 2019-06-26
Company: Accelerated Financial Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in regards to this debt that is clearly listed in my credit report as a result of identity theft. Every time I clear it up it gets sold to anther company and they typically look at the notes and see all of the documentation and remove it. When I explained it to the debt collector, XXXX XXXX from XXXX, he told me that I could dispute it with the credit reporting agencies but that they are not like all of the others and they would not just remove it. He said that I had to do a police report, which I already have several, but that they had to prove it wasn't me through detectives/handwriting analysis, etc. I went and filed another police report and that was the extent of it. They do not utilize their resources in the manner that XXXX is requiring. When we were on the phone, I was upset because I knew that they wouldn't he threatened to hang up and send it to collections and tag my report anyway. The documentation that he sent me regarding this fraudulent account even had an alert stating that there was a substantial difference found between the inquiry address and the existing file address. In addition to that, there is no social security number listed nor confirmed on this application and XXXX was not my last name at the time of this application. The fraudulent account was opened in Texas. I have lived in the state of Pennsylvania my entire life. The account was opened with a temporary check as a deposit. There is nothing linking this account to me. I explained all of this to him and also asked him to review all of the notes, alerts, statements, and even a freeze on my credit account but he refused. Now it is back on my credit report and has dropped my score.

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 2021-04-19
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Paypal Refuse to give me Refund i used my XX/XX/XXXX credit card : ================================= service@paypal.com <service@paypal.com> To : Me XX/XX/XXXX at XXXX XX/XX/XXXX Hello Me XXXX XXXX has posted a new message regarding this case. 

View the message and respond Deadline to respond : XX/XX/2019 You or XXXX XXXX can escalate this problem to a PayPal claim before XX/XX/2019. On that date, this case will automatically close. Once a case has been closed, it can not be reopened or escalated to a PayPal claim. We encourage you to respond to your seller as soon as possible. 
Transaction Details Case number : XXXX Seller 's name : XXXX XXXX Transaction date : XX/XX/2019 Transaction amount : {$20.00} USD Your transaction ID : XXXX Sincerely, PayPal Help Center | Resolution Center | Security Center Please don't reply to this email. To get in touch with us, click Help & Contact. 

Copyright 1999-2019 PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : XXXX Scam the owner promise me 10 sign -ups for {$20.00} on my website.He sends False Traffic hits to my website.I didnot ask for Traffic only 10 Gaurantees sign-ups i dont have one from this seller.I want Refund Now. 
Order # XXXX l 10 Paypal : Transaction : # XXXX XXXX XXXX : Url : https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - https : //XX/XX/XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 i revived a credit inquiry alert that XXXX ran my credit. Which i did not authorize, i do not have XXXX and i have never had XXXX. I have gone round and round with Transunion about getting this inquiry removed. They keep asking for a letter of dilution or a letter stating that i do not have an account with XXXX, yet XXXX keeps advising me that they do not give letters of dilution or a letter stating that i am not a customer because they can only do that on active or inactive accounts not accounts that don't exist. XXXX has adv me that Transunion should be able to send an electronic request to XXXX about the inquiry and could clear everything up. Transunion is being very difficult do deal with and i just want the situation cleared up. I did try to do a request of investigation on the Transunion dispute page but that can only be done on open or closed accounts, no where to dispute an inquiry so i did put my information in a customer statement form, i did revive a response stating that the investigation is done but the only thing it did was update what my statement was to the account. I feel like i am the vicitim here as i am having to spend hours to get a situation fixed that i did not create when Transunion is refusing to do a simple electronic request which they are telling me they can not do because they are regulated under FRC. If anybody could help it would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This account that was with XXXX  was closed back in 2016 and picked up by now XXXX XXXX XXXX. They was trying to take me to court and is reporting on my credit in collections.

Company response to consumer: Closed with explanation