BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery never sends the requested proof/verification of debt. They have accepted agreed upon settlement offers but either continue to report the debt as owed or sell the debt to another company even though they have received funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Have sent multiple attempts to XXXX, XXXX and TransUnion disputing incorrect names and addresses

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX Account name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) with 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 a 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 2022-04-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had money XXXX transactions coming out of my bank account. Wells Fargo decided to pay the largest of these transactions so they could collect fees on the other XXXX transactions. This is not allowed by law. I also did not authorize them to pay bills without any funds in the account.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: NC
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:
EXPERIAN ALLOWED THIS COMPANY, XXXX XXXX TO ACCESS MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE Date : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Demand for Compensation for FDCPA Violations Dear Sir/Madam, I am writing to you regarding the unauthorized inquiry that was made into my Experian Credit Report on XX/XX/XXXX. It has come to my attention that XXXX XXXX XXXX has accessed my personal credit report without my prior consent or without any permissible purpose as outlined under, 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX. 

According to the provisions of the aforementioned statutes, any unauthorized credit pull constitutes a violation of my consumer rights. Specifically, the FCRA provides that consumers have a right to privacy, and unauthorized credit inquiries not only infringe on this right but can also potentially negatively impact my credit score. 

The FCRA provides for statutory damages of up to {$1000.00} for noncompliance, in addition to any actual damages suffered. Given this, I hereby demand that XXXX XXXX XXXX compensate me in the amount of {$1000.00} for the unauthorized credit inquiry made on XX/XX/XXXX. 

Please treat this letter as a formal complaint, and I request you to provide a satisfactory response within 7 days from the receipt of this letter. If I do not receive compensation and assurance that no further unauthorized credit inquiries will be made, I will not hesitate to pursue further legal action. This may include filing a complaint with the Federal Trade Commission and the North Carolina Attorney General 's Office, and pursuing a civil lawsuit to recover statutory and actual damages. 

This letter is not an exhaustive statement of my rights, remedies, defenses, or claims, all of which are expressly reserved. 

I look forward to your prompt response. 

Sincerely, 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 2023-01-30
Company: Michael Wayne Investment
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been paying double payments on the car an they disabled the car an won't let me earn money to get back on track

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 2023-01-07
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 at XXXX at the 1stBank located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I withdrew {$500.00} from their ATM and only received {$490.00}. Of the XXXX - {$20.00} bills I received, XXXX was a {$10.00} bill. I went inside the bank and reported that I had been shorted {$10.00} in the transaction. I filed a report with the customer service representative and was told they would audit the ATM and contact me the next XXXX XXXX XXXX later I still had not heard back from them so I filed another complaint online. I received a letter dated XX/XX/22 from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating that they denied my dispute because the transaction was successful and the ATM was in balance. My dispute with them was that the machine dispensed XXXX bills of which XXXX were {$20.00} XXXX  bills and XXXX was a {$10.00} bill. Naturally the machine would be in balance if it is only counting the number of bills being dispensed. I could care less about the {$10.00} they cheated me out of but it is the principle that matters to me. They need to scan every bill being dispensed or this can happen again to some other unlucky customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I have been receiving services from Lexington law for 2years .I had to pay excessive fees for the fixing of my credit report..i am victim of identity theft/abuse since a very young age..Lexington law collected monthly payments from me for two years and havent removed anything neither did any research on using the laws so I could reap the benefits of the fair credit reporting act on my behalf..im out of thousands Im a single mom & just want the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was trying to add my car to the insurance company XXXX, they in turned tried to charge me XXXX and something to add a car that my policy was almost up and I told them never mind and I would get me some more insurance and I did with the XXXX  paying way less than XXXX something to add a car and they still ended up trying to charge me to add the car to my insurance and now has come after my credit by putting it in collection with my credit companies using the collection agency of Caine and Weiner and all this messing up my credit for car insurance I didnt have with them but with another company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-08-30
Company: WELLS FARGO & COMPANY
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-05-04
Company: EQUIFAX, INC.
State: OR
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-04-23
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: Their investigation did not fix an error on your report

Complaint:
This account does not belong to me. I have tried everything that I know to do to get it removed. I have been at my current resident for 8 years and previous residence for 8 years and I have never lived in a apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To this date they have not responded. 

Your agency is reporting inaccurate information for the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$290.00} ). I recall my original creditor to be XXXX XXXX XXXXXXXX XXXX which is obviously a different company than the one you are indicating. Moreover, I have never had any contract with the company you are reporting, and I have never been contacted by them. Your agency has provided false information about the Balance of {$290.00}, which is higher than I believe it to be. As a result of these inaccuracies, I am disputing this entire account and requesting verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$150.00} ) is also inaccurate. The original creditor on this account is a different company than the one you indicate - XXXX XXXX. You have reported a higher Balance of {$150.00} than the amount I believe I owe. I dispute this account due to these inaccuracies, and I also request verification of the Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$130.00} ) needs to be investigated. The original creditor for this account is XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX. The Balance amount of {$130.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. As a result of these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) is also inaccurate. The original creditor for this account is XXXX XXXX, but I do not recognize the company stated on this account, XXXX XXXX XXXXXXXX XXXX, as I have never had any contract with them. The Balance of {$400.00} is not reported properly, as I recall the balance to be lower. As a result of these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency.

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 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX Balance on my credit card from Bank of America. My auto pay was still activated and they processed an additional payment of {$280.00}. I requested in XXXX of XXXX for them to refund the extra payment. They initiated a refund to my XXXX XXXX account, however it never was deposited back. I have called more than ten times and have spoken to numerous supervisors who stated they would escalate the discrepancy and would contact me back within 48 hours with an update and not one of them has. On XX/XX/XXXX, I received a letter from BOA stating they are closing my case because a refund was done on XX/XX/XXXX. This never occurred. I spoke with XXXX on XX/XX/XXXX and she said she would escalate it and call me back. She never did. I spoke with XXXX, another supervisors on XX/XX/XXXX Employee # XXXX. He said he would escalate and call back within 48 hours. He never did. I spoke with another supervisor on XX/XX/XXXX and his response again was that he would escalate it and call me back. I requested from all of these supervisors a trace, showing the account it was deposited to and not one of them has provided me with this information. I stated that I would send all of my statements from XXXX until now to prove that this money was never refunded to help expedite the process and they all refused to take this information. At this point I feel BOA is hoping I will just give up as its only {$280.00}. I can assure you, I will not stop and if necessary, will take legal action against them. The department I have been dealing with on this is the Credit Card Claims department at 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 monetary relief
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.

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 2022-03-02
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:
I requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a complaint XX/XX/2023 ( complaint # XXXX ) concerning an unauthorized inquiry on my credit report. 

The inquiry from XXXX ON XX/XX/2023 was removed with the two inquiries from XXXX now appearing on the credit report. XXXX XX/XX/2023 and XXXX XX/XX/2023. 

These are fraudulent and were done on consecuitve days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 need these hard inquiries removed from my TransUnion credit report as they are all fraudulent. These hard inquiries are listed below. 

XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual

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 2023-08-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: UBS BANK USA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sold my company shares using UBS account ( the own company gave us shares in UBS ) in XX/XX/XXXX. My account was not correct and the money couldnt get in my XXXX  account, but since there they always give me 15 days to the money come back to the account and this doesnt happen. They lost my money and they get lying about a term that they dont comply with.

Company response to consumer: Closed with explanation