BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Hello, this credit report companies insist they wont check my credit and still do and thats that biggest issue Im having now with multiple companies and its damaging my credit horribly I really need this problem resolved and a good friend told me about you all and I hope to get some answers on what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: FISERV INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is with XXXX XXXX XXXX. The debt was paid with a settlement offer by XXXX. The amount was XXXX and settlement was XXXX. The company never notified the credit union. Telcheck took payment on XX/XX/2021. The reference number Company : TELECHECK SERVICES C-3 Reference Number : XXXX Acct : XXXX Rounting. 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 2023-01-18
Company: WELLS FARGO & COMPANY
State: TX
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 banked with Wells Fargo for quite sometime. I use past tense because unfair acts caused them to close my accounts. 

I was having financial difficulties late 2021 due to my work as a process server slowing down tremendously with XXXX. My account accumulated overdraft fees approximately {$300.00}. A {$35.00} overdraft fee was added up every time something withdrew from my account, even if it was just {$2.00}. 

I received a XXXX stimulus payment around XX/XX/2021 that alleviated my negative balance and left me well into the positive. After, Wells Fargo took the liberty of not garnishing overdraft payments as a XXXX relief tactic. I was under the impression that this was final. No agreement was made for me to pay the fees in the future nor was I made aware the bank would blindly take from my account. 

About 6 Months later, still trying to recuperate financially and start on my new business venture as a XXXX XXXX XXXX, with out warning- Wells Fargo took over {$300.00} dollars from my account. That was my last at the time. I called and explained I was unaware of the reasoning, the agent explained it was from the overdraft fees they credited without permission nor agreement to my account. I exclaimed how I needed my funds and I was a mother having financial difficulties and trying to get out so this XXXX act was a set back. They were unwavering and unfair. I wasnt able to began my work nor accumulate funds from working to continue to keep my accounts in good standing as they were before Wells Fargo committed this act. My accounts began to overdraft and then Wells Fargo closed all 3 of my accounts and my credit card because of the financial downhill they initiated. This was all a chain reaction to Agreements not done in Good faith. I have since had to use prepaid debit cards.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-12-27
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Aldous & Associates, PLLC
State: CO
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:
I have reached out to the credit bureaus and the creditors XXXX XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) and ALDOUS ( Original Creditor : 05 XXXX XXXX XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Several issues XXXX Wells Fargo opened up a second checking account under my name when I tried to close it they closed my original account and messed up all my financial payments and changed Wells Fargo fees. 

XXXX when my account was low on funds my direct deposit would hit the bank at or around midnight then a financial payment would hit my account around XXXX am as an NFS fee as viewed by me several times two days later my account would show the NFS payment changed to midnight and my direct deposit was changed to XXXX or XXXX am resulting in hundreds of NFS fees I Complained several times but did not have any screenshots to prove my case XXXX. I had a checking and XXXX savings account XXXX for each of my kids The terms were if I put XXXX a month in my savings accounts they would wave the XXXX a month service fee. I had it set up where XXXX a week went in both accounts so XXXX a month in each account but they charged me XXXX a month in both savings accounts because it was not a XXXX time XXXX a month payment

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 2023-02-24
Company: Avant Holding Company, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AVANT IS DAMAGING MY CREDIT FOR AN ALLEGED DEBT WITHOUT LAWFUL VERIFICATION. I HAVE ASKED THEM TO VERIFY THE ALLEGED DEBT WITH THE ORIGINAL WET INK SIGNATURE OR DELETE THE FRAUD! THEY HAVE SOLD THE ALLEGED DEBT BUT STILL CONTINUE TO DESTROY MY CREDIT WITHOUT THE LAWFUL REQUIREMENTS!! THAT IS FRAUD!! PRODUCE THE ORIGINAL WET INK CONTRACT OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT. THAT IS THE LAW. AVANT HAS SOLD THIS ALLEGED DEBT AND ARE STILL REPORTING THE ACCOUNT WHICH IS ILLEGAL. DELETE THIS FRAUD FROM MY XXXX, XXXX, AND XXXX ACCOUNT IMMEDIATELY. THIS IS FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Number : XXXX has violated my rights. 

XXXX XXXX XXXX Number : XXXX has violated my rights.This account was never 30 days late or past due 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 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 2023-06-13
Company: MOHELA
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: Account information incorrect

Complaint:
I received an email from the Dept. of Education on XX/XX/XXXX that my student loans were being discharges. In the email I was told that there was nothing I needed to do that the loans would eventually be removed from my credit report. Here it is now XX/XX/XXXX and that has yet to happen. I have called my servicer multiple times and get no where. They transfer me from person person, leave me on hold and it seems that no one cares to look into why the loans are still being reported. I do have a copy of the email and even received a refund check in the mail from dept. of edu.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: NY
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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Noticed numerous XXXX  transactions from my chime credit builder account dating back to XXXX ( XX/XX/22 ) The total of said transactions is {$1400.00} After calling Chime to dispute the unrecognized transactions/cancelling my card and ordering a new one, I was told Chime would need up to 90 days to investigate, I come to find that my dispute claim has been denied in under 3 hours.

I call chime and speak with a representative, who is unable to assist me and tells me that I should have received an email detailing the results of Chime 's " investigation '', but I had received no such email in either my inbox or spam folder ( I had received other correspondence from them just earlier the same day though about an upcoming banking holiday ). He told me that they can send the results of their investigation in a pdf but it will take up to 10 business days. 

I request for the explanation of denial and I also email them at XXXX requesting the same in the hopes to get this expedited. 

They have since sent the reason for denial and it is essentially a short paragraph that states " No changes to the account or personal identifying information took place during the disputed time frame, therefore their are not hallmarks of account takeover. Cardholder was in control of the account during the dispute. '' the last bullet on the pdf states " There are no fraud alert captured by our system before, during, and after the disputed transactions '' Their is no other explanation for denial present in the pdf they sent me. No provisional credit was given, the merchant was not contacted. The credit card is a XXXX and under XXXX 's zero liability I should not be held responsible for these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXXAccount Number : XXXX has violated my rights.This account was never 30 days late or past due 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: Closed with explanation
Consumer complaint received 2021-08-28
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ATT IS SAYING THAT I OWE A BALANCEOF {$6600.00} WHICH I DONOT SOMEONE MUST HAVE USED MY NAME WHICH IT WAS ALOT OF PHONE FRAUD IN MICHGAN AND AROUND WHERE I LIVE I REPORTED IT TO THEM BUT THIS ACCOUNT WAS SENT TO COLLECTIONS WHICH THE NAME OF THE COLLECTION COMPANY IS ( AFNI ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: ECredable
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # : Account Type : Account Type - Detail : Bureau Code : Open Account Telecommunications/Cellular Individual Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Open {$0.00} XX/XX/XXXX {$0.00} O {$120.00} {$0.00} {$0.00} Current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * XXXX AND XXXX ISN'T REPORTING THIS ACCOUNT AT ALL * XXXX AND XXXX ISN'T REPORTING THE PAYMENT HISTORY AT ALL * XXXX IS MISSING PAYMENT HISTORY

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I was served paperwork by a private server that stated the alleged debt for a credit card and the fact they were prepared to take me to court. I responded XX/XX/2021 to the attorney who filed, XXXX XXXX  XXXX at the address given to me on the papers served, as well as several letters to LVNV Funding disputing said debt. Time passes and I do not hear back. I assumed they had dropped the issue due to my dispute and my statement of limited employment due to a XXXX. I was then sent, by mail, papers from XXXX XXXX XXXX in XXXX that since i did not respond nor show up for court a default judgement was ordered. I sent a copy of the dispute letter to both the court and XXXX XXXX  XXXX again stating that i did respond and that I was never notified of a court date so I was disputing the judgement. Again, I here from no one. I look up my info on XXXX to get answers and I see it was posted that there were no findings of me telling the truth. Plaintiff stated nothing was received. I sent the prof. and no one can tell or show me how I was notified of a court date. I was completely dismissed. Now the same creditor, different lawyer is trying to do it again with a different debt. I feel since I am so close to the statute of limitations for credit card debt that they are just pushing things through with no regards to my rights or policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: MD
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation