BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
Hard inquiry listed on my credit bureaus were not initiated by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: SC
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:
XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the Experian, Transunion and Equifax. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On the collection on Speedy Cash.keeps changing dates & .year to become a recent transaction. Information on dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: World Acceptance Corporation
State: KY
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:
World finance is not showing the account number. therefore it is incorrect information and under the Fair Credit Reporting Act I need these removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

Regarding XXXX XXXX I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CITIBANK, N.A.
State: CA
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:
With no explanation whatsoever, I was charged a {$28.00} 'return check fee ' by Citibank on my double cash credit card. I have never, ever paid by check and I have always paid my credit card bills in full. I was told that the fee was due to a bounced payment, but that the payment went through the second time. I was told that the charge would be waived, however I would have to pay the charge and wait until XXXX for the charge to be removed and credited. This makes no sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We are the victims of a fraud that resulted in a loss of {$75000.00} that were transferred into a fraudulent account at Wells Fargo. 
In details, we were doing an investment with the XXXX investment group and received an email ( supposedly ) from them ( XXXX XXXX XXXX ) about the wire transfer details. 
We wired the money ( {$75000.00} ) on XX/XX/2022 and then asked our contact if they received the money, which they did not. We then realized the account details provided for the wire were a scam and that the company 's ( XXXX XXXX XXXX ) email was hacked and we were sent details of a fraud account. We reported this to our bank XXXX and contacted Wells Fargo on XX/XX/2022. 

Even after several attempts of recalls done by XXXX bank by having their fraud department contacting the fraud department at Wells Fargo, we didnt receive any clear information. The only response that was provided is : Unfortunately, there are no funds available so they regret they are unable to return the payment as requested. Recalls are best effort basis but we can not guarantee the funds will be returned. The beneficiary bank will follow their own process in an attempt to return the funds. 

We do not know if the fraudulent account holder withdrew the funds, when, or if Wells Fargo were able to flag this transaction and freeze the fraudulent account. We do not know if Wells Fargo are investigating this and what is the timeline for returning out funds. 
Below are the details of the fraudulent account at Wells Fargo : Bank name : Wells Fargo Account name : XXXX XXXX XXXX XXXX XXXX. 
WIRE Routing # : XXXX ACH Routing # : XXXX Account number : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Wells Fargo continues to withhold information and are not providing a clear timeline for their investigation and how and when they will communicate their findings. 
This case was reported to the FBI, New York XXXX XXXX XXXX XXXX, Department of financial services and the XXXX Police Department.

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 2020-08-03
Company: Experian Information Solutions Inc.
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:
Asked Experian and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from XXXX. Also I never received responses with updated credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the XXXX, Transunion and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: MD
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im writing to share a serious concern regarding our familys interaction with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter. 

Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX XXXX XX/XX/XXXX. 
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost. 
XXXX XXXX XXXX has communicated that this claim has been paid in full. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has been unable to identify the payment. As such, weve been contacted by the XXXX XXXX billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process. 
-To trace the payment, XXXX has communicated to XXXX XXXX XXXX XXXX XXXX must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to XXXX XXXX, the response has been, Thats not my job. 

Neither XXXX, in its role as the healthcare coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and XXXX XXXX, the payee. 

Weve worked diligently to resolve this matter with XXXX XXXX but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable. 

XXXX XXXX is currently requesting payment of {$380000.00}. Please note that there have been several iterations from XXXX XXXX requesting different amounts. 

Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and XXXX XXXX [ the payee ], and is not equal to the amount in the collection 's notice. 

2. The collections notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
To whom this may concern, I made a purchase on XXXX XX/XX/2022 and the site I purchased it through XXXX for {$570.00}. The item in question was not properly delivered as requested, therefore I did not receive it. 
According to the sale of goods act XXXX when someone wishes to sale certain goods they will often enter into a sale of goods contract with a buyer, this document can be referred to as a sales of good agreement. The primary purpose of this contract is to allow the buyer and the seller to fully define the terms of selling a given item. If this is the case the buyer can not receive the goods until the seller performs the action necessary to calculate the correct price. 

According to the FDIC The standard deposit insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The FDIC insures deposits that a person holds in XXXX insured bank separately from any deposits that the person owns in another separately chartered insured bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: NRA Group, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Recieved call from the number, lady on the other line, asked to verify my date of birth, and actually recited the date of birth before I acknowledged who I was, and find that to be a gross privacy violation and demand that this business stop participating in behavior that is disclosing personal information to others with no authorization to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On the collection on XXXX XXXX.keeps changing dates & .year to become a recent transaction. Information on dates are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX was helping me with my bankruptcy. Once we finished with the payments to the trustee. the mortgage bank told me i was behind over XXXX dollars. The bankruptcy is for me to start on a XXXX balance. The lawyer that is in communication with the bank said that the bank should of sent me info on that. which is not true he is in direct contact with them. Ive told him that the law firm has many lawyers and helpers that the during this process that it was done correctly. im asking to reopen my case to have it filed correctly since it is their negligence that im in this situation. The lawyers said that it is the banks fault when he is the one to talk to them on my behave. Thats the services i paid for and are not defaulting on me and they are not taking any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) 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 in accurate.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been a victim of identity theft, this account does not belong to 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 explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On the phone with customer service, lady didn't understand the question I was asking. 

Q : " what interest rate am I being charged '' I asked for supervisor, she put me on hold. Supervisor got on phone and also didn't understand the question, quoted me the incorrect rate. I clarified the question, she got mad and put me on hold. Came back on the line to tell me she was having system trouble, I believe this was a lie, puts me back on hold, without allowing me to speak or ask additional questions. 

XXXX XXXX, claimed she was a supervisor but couldn't tell me what my interest rate was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.

Company response to consumer: Closed with non-monetary relief