BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts : 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA 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 2022-12-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my XXXX XXXX card without reaching out to me first to see if I still needed the credit line. Had to find out from a credit bureau report vs. Wells Fargo reaching out to me. No wonder they are always in trouble with government agencies.

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 2023-12-02
Company: TD BANK US HOLDING COMPANY
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:
TD BANK USA/TARGET CREDIT I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a Target Credit card. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to XXXX : there is only history for 3 months in XXXX ; XXXX 60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to XXXX : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my XXXX File. 

As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
XXXX shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my XXXX File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This amazon store card ending with XXXX was opened in late XX/XX/XXXXXXXX  in consideration of cashback it offers. The issuer closed it on XX/XX/XXXX. 

I set up auto payment after opening the account because typically I want to put the payment on autopilot and forget about it. I did make 2 additional payments ( {$3400.00} and {$3900.00} ) with a brokerage account ending with XXXX on XX/XX/XXXX and XX/XX/XXXX separately because I wanted to pay off some balance on this card and make more purchases on Amazon.com to take advantage of this card 's cashback feature during the XXXX XXXX  deal XXXX. 

For unknown reasons, neither payment were not processed successfully ( I did have sufficient cash fund in my account at the time of making payment and I am open to showing the account history of my account ending with XXXX to show this. I do use this account for other credit cards ' payment as well ). I suspect that I might have set up inadvertently with a wrong account number and/or routing number, which caused the payment failure. As soon as I realized the issue, I set up payment with a checking account ending with XXXX and successfully paid off the entire balance of {$5900.00}. 

Nonetheless, the issuer closed my account with the reason of " high risk of failure to pay '', solely based on my two failed payments without considering my successful payment. Additionally, I have accumulated over {$130.00} cashback on this card which the issuer now refused to honor/give after closing the account. I think it is deceptive and unfair to refuse the cashback because I used this card due to the promised cashback ( I would not have used this store card if there was no promised cashback ), and the cashback was earned from legitimate transactions, and all balance from these transactions have been paid off in entirety.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2023 I applied for a loan with XXXX XXXX. My application was denied because when my credit was pulled it one showed 1 paid off tradeline which belongs to me but is not all I have on my credit. I have a membership with Experian ( member XXXX ) and it shows my correct information less this closed out account. I was told to contact Experian which I did and after review they found in error that it was two profiles under my identity. Not like theft but two credit profiles instead of one correct profile with all my tradelines and information. I was told a ticker needed to be put in and they would MERGE the XXXX profiles and it would be corrected in XXXX business days. I waited the XXXX business days called Experian to make sure it was fixed and was told case # XXXX was closed and it had been merged as requested. I asked numerous times if this was accurate and was told by the Experian rep it was fixed and completed. I called XXXX XXXX XXXX to resubmit the application and it came up still incorrect. Now I have XXXX inquiries and still no fix. Called back and was told by another rep at Experian it wasn't finished and to wait until XXXX XXXXXXXX and it would be completed. I waited until Friday, contacted XXXX XXXX XXXX and they ran my credit again it was still inaccurate. My profiles still are not merged. I was lied XXXX on XXXX different occasions and it still isn't corrected as of XX/XX/XXXX. I applied for this loan with XXXX XXXX XXXX to do a debt consolidation and improve my credit and it's just been a nightmare and customer service is just awful and unhelpful. Worst experience I think I have ever been through and it's effecting my life in a major way. Nobody wants to help. No supervisors calls that were promised XXXX different times. Just my messed up profile and no help in fixing it.

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 2023-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There 3 alleged debts under my name and credit report with Portfolio Recovery Associates. Since the first alleged debt was bought by Portfolio Recovery Associates over 5 years ago. I have Requested NUMEROUS times ( via mail, phone ) on all XXXX alleged debts that they validate, verify and provide me with the original purchase agreement baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all XXXX credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They also sued me for XXXX alleged debt after the statute of limitations had expired in the State I reside in, i did not know about this suit and a judgment was ultimately ordered in their favor. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Southern Credit Recovery, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
southern credit recovery {$200.00} account # XXXX i have no knowledge of this balance, and this collection was done without my knowledge or consent i called i called them directly about this account but they refused to cooperate with me i also called XXXX, XXXX, XXXX  they were willing ti cooperate with me of this fraudulent error by the collections department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, It appears your company is reporting approximately {$380.00} on my credit report. Please read below thoroughly. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in therefore exists. 

Thank you,

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 2023-08-18
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
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 credit reporting agency has violated my consumer rights and violated federal law ; there's proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I clearly did not give the credit reporting agency written authorization or written instructions to report this information. The agency is conspiring with creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have inquired and sent letters with the credit companies to investigate and delete the account and reporting and they have failed to do so every month for the last year. I have no recollection of opening that account. I requested the original bill of sale which they have failed to provide on several occasions. I have sent dispute letters to both the credit companies and the loan company. 
Balance : {$9200.00} XXXX XXXX : {$17000.00} They are providing me with numbers but failed to provide with a copy of my signature and a copy of the original bill of sale.

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 2023-12-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I been having nothing but a Horrible time with BMO Bank, They can't tell me were my XXXX went to and how did it get applied to my loan. If My loan was for 84 months and they stated that they took the XXXXWarranty ( Returned ) and applied it to my principal balance Show me were and how did it change my payment amount and why did my payment term Either became a lesser term or why did my pay amount decrease. No one at this XXXX XXXX bank can explain where and how and why question. they keep saying the same thing it was applied to your principal balance even though your payments didn't go down and your 84 month terms didn't change. We applied it but we can't tell you how it was applied XXXX missing. ( and I Want Answers ). your account or were it went but we see it Did get applied I AM SICK OF HEARING THAT EITHER SHOW ME THE MONEY OR GIVE ME THE MONEY.Also I've been waiting on a refund check from this same XXXX XXXX  They have a Bunch of incompetent employees that works For them it seems like they just hired a bunch of middle school age kids to answer the phone.who lacks Customer service skills and a bunch of other skills. ON XX/XX/2023 .they told me to call back and because they sent me out an over payment back on XX/XX/XXXX for XXXX that I have yet to receive .every time I call they Hang up the phone .This happened 5 times yesterday XXXX. They told me if I didn't receive the check by XXXX to call back to get a new check reissued .And that will take another 30 day XXXX why is it taken so long to send out a Check that has been lost over 8 weeks now Why do I need to keep waiting. If they can't get a check out for XXXX and explain to me were my check went to then how am I suppose to belive that they are telling me the truth about my XXXX Show me were my XXXX was applied and Send me my XXXX express mail since they can't get it to me by regular mail .I really hate This company and they Also keep lying saying they don't have a officer of the president were you can write a complaint on how treble there customers services is They will answer the phone and ask you your personal information. Once they get it they would disconnect the call .This has happened several times.or they will. Leave you on hold for a hour and never check back.this Bank need to be investigated. By The FDIC as well as The FTC they are stealing customers money without a clear indication on were the customers money went .if this issue isn't resolved I will be filling a law suit on this Bank They think they can stealing from the little people but what they need to understand it only take one person to open up.a can of worms to take down a corrupt corporation.

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 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
I used Wells Fargo credit card to pay for dumpster service. It appeared that dumpster company it is some scam company that overcharged me for the weight of the dumpster. I filed dispute with Wells Fargo, Illinois Attorney General and XXXX about this scam. Wells Fargo denied the dispute stating ( over the phone ) that I signed a contract and that is it. I signed a contract for additional dumpster weight. First of all I requested numerous times to send me final dispute status in writing to my email, they never sent it. Secondly I tried to explain that the fact that customers signs a contract for additional weight, it does not mean that merchant can charge whatever they feel like it, without any supporting documentation. Merchant submitted " proof '' of weight of the dumpster with different name of the company, without my name on it anywhere. It can be anyone 's receipt. My credit card does not find this information important. They are just quick to take your money, but no support when there is a problem with the merchant.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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:
These Accounts have violated my rights According to FCRAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: OH
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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