BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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:
The information on my report is not mine and I have written them a few times to prove the original instrument of indebtedness in its original form. I still have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2023-01-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted 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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
We purchased a vehicle and financed thru XXXX XXXX. After going through hardship we lost the vehicle. XXXX of this year I reached out to XXXX because it was showing an open balance on our account. I told them if they would do a pay and delete I would pay a settlement price. They agreed to do it. This was under both my name and my husbands name XXXX XXXX. I paid the settlement amount but the account is still showing on my TransUnion, XXXX, and XXXX as well as on my husbands bureaus. We feel lied to and when we call XXXX they just blow us off and say the account shows paid XXXX balance but it isnt supposed to be on the bureaus at all

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 2019-02-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, I called and asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. I disputed the charge, the representative initiated a charge dispute against XXXX XXXX. 
The representative agreed to stop payments to XXXX XXXX. 

In XX/XX/XXXX I called and asked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. 
The representative agreed to stop payments to XXXX XXXX   and initiated a second dispute. 

In XX/XX/XXXX I noticed that the CC company was still paying XXXX XXXX. 
I called the CC company and told them to close the account because I have asked multiple times to have them stop paying XXXXXXXX XXXX but they kept letting charges go through ( this was the third time ) A third dispute was initiated. 

I had earned XXXX dollars cash back and ask them for the cash that is owed to me. The last time I asked was today, XX/XX/XXXX I want the cash back that I earned which totals {$500.00} In summary, I was forced to close the account because they kept paying for XXXX XXXX after multiple requests to stop paying XXXXXXXX XXXX. Because I closed the account they don't want to pay the cash rewards but I was forced to close because of mistakes made by XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. The account was closed in a panic because they kept letting payments go through despite agreeing to stop those payments.

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 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Bank of America # XXXX and deposited my check on XX/XX/2021 to fund my account. Several hours later I tried logging into my account and was told that the account was locked. I immediately called Bank of America and was routed to a department that advised me my account was going to be closed. I was shocked that Bank of America would suddenly close my account without any notice whatsoever. I did not even have the opportunity to make once debit card purchase or any transaction outside of my deposit. 

I now have no access to my funds and will face financial hardships. Bank of America has no regard or respect for its customers. They do not think to call, email or send a letter in advance. They arbitrarily closed my account, and left me with nothing. 

All of the criticism Bank of America has received for its handling of EDD issues and the now class action lawsuit its facing seems to be well deserved and merited. This bank does not care about its customers. It has left me out in the cold with nothing.

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 2021-02-05
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it may concern, I recently challenged the validity of I.C. SYSTEM, INC ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.

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 2021-01-29
Company: EQUIFAX, INC.
State: PA
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 wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Alpine Credit, 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: Information belongs to someone else

Complaint:
On XXXX XXXX, XXXX, ALPINE CREDIT INC ( Opened XXXX XXXX, XXXX XXXX add a derogatory mark on my credit reports. ALPINE CREDIT INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: LA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.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 explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX  XXXX Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1900.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.

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 2021-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My home equity line of credit was transferred from XXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX to Select Portfolio Servicing. My first statement from Select Portfolio was dated XX/XX/XXXX how ever I did not receive the statement until Mid. XXXX XXXX. 
The payment requested is {$450.00} higher than my payments have been for the last nine years. I have made six calls to select servicing regarding this issue with no avail. Today I was informed they are " working on the issue ''. 

I am in the mortgage business myself. I am fully aware of the guidelines regarding loan transfers and servicing. XXXX XXXX will be the 60th which means they will be able to report me as delinquent. I value my credit an do not want their error to tarnish it! 
I am at a loss and hope you can help. 
thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions

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 2019-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I sent {$500.00} to XXXX XXXX XXXX by XXXX at email XXXX XXXX XXXX, for 1/2 of deposit for renting a house in XXXX. On XX/XX/2019, it became apparent she was not the owner of the property and the whole transaction was a scam. On XX/XX/2019, XXXX in the fraud dept. of XXXX XXXX contacted me. Direct Phone # ( XXXX ) XXXX. General fraud phone # ( XXXX ) XXXX. The recipient was having trouble accessing the funds and had contacted XXXX XXXX   for help. She was unable to answer their questions about me and this alerted them to possible fraud. XXXX asked if I had been scammed out of {$500.00} by the above recipient. She had the money in her dept and urged me to contact my bank for help in retrieving it. I contacted my bank, Wells Fargo, on XX/XX/XXXX and advised them of the events. They opened a claim on XX/XX/XXXX. Claim # XXXX.On XX/XX/XXXX I was advised by the fraud dept of Wells Fargo that the transaction was not fraud since I sent the money, and they couldn't help me. They also advised that they had contacted XXXX and t XXXX was refusing to refund the money. I then contacted XXXX XXXX fraud dept. again and was told by them that they could not help me directly because I'm not a customer of theirs. They have marked the recipient 's account as fraud though. And they said they were not giving her the money. No one will help me get my money back that is sitting at 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 2023-05-05
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
More than 7 years ago I submitted police complaint documents and police report showing as a victim of identity theft to the American Express company, and they continued to charge me, they filed a lawsuit with the court and never validated the information submitted on that occasion. Now in this past month they froze my bank account for an amount of {$4200.00} money that I have in the bank of my children who give them to me monthly to collect their money to buy their house. This is something unfair and an outrage against people who are victims of fraud and open accounts in our name and then banks issue cards to anyone without verifying their identity, I need your help urgently because this bank is violating my rights after more than 7 years without knowing about them appear now to freeze the money that is in the bank of my children who are also with me in the account Bank. Unfortunately I do not have the documents I sent you back then since so many years have passed since it has been so many years of disputes over identity theft which opened not only that account, but about 4 more thankfully verified everything that was indeed identity theft except American Express. Never in my life had account with that bank, please help me I am very desperate with this situation even the number of DOCKET is XXXX XXXX XXXX XXXX WITH A MARSHAL called XXXX XXXX, with phone XXXX and email : XXXX I have difficulty communicating because I do not speak XXXX and I currently use XXXX translate to write to you to intercede with this harassment of the bank that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was a victim of fraud with a check being cashed by someone other than the recipient. I mailed out a bill pay check through TD Bank which is a typed check mailed out directly from the bank to the recipient. This was a check made out to XXXX XXXX as it was an alimony check. It was cashed by someone whom was not XXXX XXXX and the actual signature on the back of the check is not even signed as XXXX XXXX. This check was cashed by TD Bank and fees pulled out of my account which also caused my account to go into arears thus I incurred added fees. Once I noticed this online I called the bank and was basically told tough luck you need to go to a local branch. Being I live most of the time in the XXXX XXXX XXXX said I can not do this since there is no branch here in which I was more or less told tough luck. Upon returning to the USA I went to my local branch and filed an affidavit of fraud with the bank. Since then I have called numerous times and been to my local branch with the very nice people that work there trying to get answers. I have been given a different story every time I call on the phone depending on whom I talk to from its going to be in my account to it could take up to 6 months for us to make a decision. I do not see what there is to investigate considering its more than obvious the check was cashed and signed by a different person with a different name. I have since filed a police report on XX/XX/19 with the XXXX XXXX XXXX office. This morning TD Bank called to ask about a check I wrote off my new account which they seem to do with every check now to make sure its valid and I asked the gentleman about the status on my case and he responded saying it was closed as of yesterday and I had to call the other division in the Fraud department to get the particulars. I did that and basically was told the fraud department didnt have any info for me over the phone and I needed to go to a local branch. After being persistent and explaining I will be leaving again to go abroad and can not be told this I was connected and a young lady gave me a different answer than I was given in the morning. I feel at this point TD Bank has stolen my money and really does not care. I will be going back to the XXXX where I have a family this week and it will be for a few months and will not be able to play the go to the local branch game. Any help will be so much appreciated in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was a customer at Wells Fargo for many years. I am XXXX years old. My husband passed and left me money in which I had an account at Wells Fargo. The reason for me closing my account at the XXXX location is that they kept taking money for a XXXX XXXX XXXX XXXX  account that nobody could explain to me but was on my bill. I had no credit card. They also never gave me a regular ATM withdrawal card I had a card that was used on my revolving credit line. So when I tried paying for my groceries and would swipe this card, my daughter finally figured out why I was coming up short of money was because of interest accrued by placing every purchase I made on my revolving credit account. This was the only card I was offered. Several times I went to the bank to meet with them and discuss what I could be doing wrong. Several times they said they would fix my problem. They still send me runs today.

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 2021-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation