BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: RIA FINANCIAL
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, a direct debit for {$100.00} was made from my bank to Continental EXC XXXX XXXX for XXXX XXXX XXXX. XXXX XXXXXXXX XXXX is supposed to deposit the amount converted to XXXX to my recipients bank account in the XXXX on XX/XX/2021 to be available XXXX XXXX. 

The amount was never deposited to the recipients account. After talking to XXXX XXXX XXXX, I was told to contact my bank to initiate a fund recall which I told my bank by phone and email. XXXX XXXXXXXX XXXX sent me an email to ask the bank to initiate the process which I forwarded to the bank. 

After talking to XXXX XXXX XXXX and my bank several times, my bank kept saying they can not do a fund recall and that XXXX XXXX XXXX  should refund the money back to my account. 

XXXX XXXX XXXX is saying they can not do the refund until the bank starts the process of recalling the funds. 

Several phone conversations with both the bank and XXXX XXXX XXXX saying the same thing about the other side.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved to XXXX XXXX XXXX XXXX on XX/XX/2019. This was a Friday. Over the weekend I notice that there were roaches in the apartment. I emailed the office that following Monday morning, XX/XX/2019 to inform them of the roach problem. I explained that I was not comfortable paying $ XXXX/mth and have roaches and I was afraid to finish unpacking my things because I didn't want roaches in my belongings. There was also a leak from the utility area during that time as well. This caused my bedroom floor to be extremely soaked. I gave them the option to move me to another unit. However, they chose to send out pest control to spray and had maintenance to come take care of the leak and had a carpet cleaning company come suck up the water from my bedroom carpet. After pest control sprayed, I didn't see any roaches for maybe 4 days but they definitely returned. I contacted the office once again about the problem. They stated that it could be coming from my boxes that my things were packed in but that was definitely not the problem. I didn't have roaches prior to moving there. They were in the apartment. Due to the fact, that I paid {$1000.00} to move in, a {$200.00} application fee, and {$400.00} for movers, I did not have funds to move out immediately. I moved out on XXXX XXXX because the roaches were a big problem and management made no effort to accommodate my family. I sent a message to management via the resident portal to inform them of my move out. However, the portal doesn't give you a copy of what you submit and there is no record for you to go back to it. On XXXX XXXX, i received an email for a final bill of {$2700.00}. This is absolutely ridiculous. I was barely in the unit 30 days in which I still paid {$1000.00} upfront. I immediately responded to them about my disagreement and asked them to review the final statement. I reminded them again that the living conditions were not good. I didn't ask for any money back, which I should have. I just simply wanted to be moved from the roach problem. So now, I have a balance of {$2700.00} being reflected on my credit report that shouldn't be there. I wasn't in the unit long. I didn't unpack all of my things, and the apartment was not damaged. I am the one that cleaned the apartment because they didn't prior to my move in. The floor was super dirty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In 2021, I have updated my phone number and placed a ID alert on my social security number. When I inquired about my credit report the phone number is wrong and therefore I am not notified when there is an new account opened in my name. I have alerted all of the credit bureaus however the information remains unchanged. I have been denied various services because of this including housing and employment because of this mix-up. I have been following in my local community from people that think I am committing fraud. Please help me resolve this issues with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was closed wrongfully by Wells Fargo. Because I filed a dispute about funds that was taken outta my account with no trace of where it went. Additionally to that I was waking up to fees I didnt have a clue where they came from.

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 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Enclosed is a copy of transunion credit report and a copy of consumers energy letter to me. The inaccurate information is the Last Payment Made which is dated for Trans Union XX/XX/2019 which is inaccurate and not the original date of Last Payment Made XX/XX/2019 which is accurate from Consumers Energy. Please investigate Trans Union for the misuse of credit reporting.

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 2021-03-19
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX Collection Bureau of America ( CBA ) filed a delinquent XXXX XXXX XXXX XXXX against all credit bureaus on my credit. In the amount of {$600.00} that was owed to XXXX XXXX XXXX XXXX XXXX. Claiming that they were the owners of this collection as of XXXX. One of my question to them, were if you had this account for six years why haven't you I had any communication or correspondence from your company. The person could not answer the question, nor did he have a answer for my current address or phone number. However he stated they had been sending correspondence to XXXX XXXX XXXX a address I have never resided. I reached out to CBA informing them of that I have never lived at this property and-my identity had been stolen. I also requested a copy of this alleged bill. To date I have not received the alleged delinquent bill. It's very clear they have ignored The Fair Credit Reporting Act ( FCRA ) a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. If they do not removed the delinquent account from my credit reports I will take them to XXXX court. ( I was unaware of their attempts to reach, I contacted them once I saw the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call at approximately XXXX MST from XXXX XXXX this is after a call was made earlier in the day at approximately XXXX MST. I advised the company at that time I would not be able to make any kind of arrangements but fully understand collection efforts would continue. My issue is receiving the second call in the same day and the representative XXXX saying she in fact noticed a call was already made without confirming who I was. I feel this is very harassing and hope to take this as far as I need to make sure it doesnt happen again.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: VA
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:
Yes, I provided the company with All the correct information they ask for.. However, after giving the company my information I was informed that they didn't have any thing about me in there files... so my question is why is it on my Credit report ...???? 
The following company 's name are XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX These are company 's that are giving false information because I applied for anything or know anything thing about these companies

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 2023-08-13
Company: EQUIFAX, INC.
State: ME
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX, {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
During the Pandemic, I pro-actively reached out to all my creditors because we were mandated closed by the New York State. 

I communicated with my creditors about payments and what I could do while we were shut down about minimum payments. During this time they kept reassuring me that they understood and would work with me. There were days that I had to wait for XXXX hours on the phone trying to contact each vendor just to reach someone. 

I paid each creditor in full - all balances, interest, fees. I was told that upon payment that my account would show a positive payment status and history. I even asked them how they were going to report this to my credit bureaus. They all said that the account would show as being Paid in Full. 

However, this was not accurate or true. 
Based upon my review of my credit reports- They did not apply any PANDEMIC RELIEF or HELP to any months where I asked. They were recording every month as paid late. OR in one case even though the account was paid in full : The status was charged off. 
It was not until I asked them after making the payments why this was the case- when they each had indicated that due to the pandemic they would be providing some months of forgiveness and reduce the number of months that showed as late. In addition, my credit reports did not reflect for months afterward, the fact that each and every XXXX was paid to the creditors. 

I lost Business in the pandemic that I built for 20 years. I clearly know what it means to sacrifice and make changes. Each of my creditors was not cooperative nor were they transparent in how they were going to report my payments, final payoff, or any of the details that are negative on my credit report. 

If this is not resolved in a reasonable manner, I have hired an attorney and I will be suing each creditor and the credit reporting agencies for damages in STATE and FEDERAL COURT if I did not get a satisfactory resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I opened a checking account with NFCU and had my SSI deposited into my new account. First of all a credit card or two were opened under my name fraudulent. My caregiver at the time who was handling my affairs. After finding that checks and charges were made to DDA and Credit Cards fraudulent. I advised Navy of the Fraudulent DDA and Credit Cards opened and abused under my name and they suspended my accounts and also charged me back for unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone tried opening accounts with this creditors. This accounts do not belong to me : SYNCB/TJX CO Bank Credit Cards SYNCB/TJX CO Bank Credit Cards XXXX N A 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 2023-08-09
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Comdata is refusing to issue credits that were agreed upon between XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX  ). In Comdata letter, they state " but to date, you have not retracted the XXXX statements regarding the fraudulent application and fraudulent payments. '' Per XXXX XXXX specific request on XXXX, I have sent an email on XXXX requesting the account to be reopened. See attached. On XXXX, XXXX XXXX stated, " I found the issue and the entered credit for the missing amount. Will you be able to send me a letter so that we can get your account reactivated in the meantime? ". On XXXX, a letter on company letter head was sent to XXXX XXXX, per his request and sent to Customer Care and XXXX. See attached. 
There is no indication from XXXX XXXX or anyone else that these letters are " not sufficient ''. All documentation was sent at the request of XXXX XXXX in good faith without any objection from either party. If Comdata would like assurances from future claims then they need to provide the sufficient language that they would require. Comdata would need to issue a check for {$69.00} to have this matter closed.

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 monetary relief
Consumer complaint received 2023-03-01
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 see collections on my account which I have asked for debt validations with my wet signature. yet I've not been able to get that from the debt collectors and the credit bureaus have continued to keep that on my report with valid prove. 
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 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 2019-08-02
Company: EQUIFAX, INC.
State: UT
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:
The payment history on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-12-09
Company: EQUIFAX, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: OH
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 below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX  XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation