BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: TX
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 is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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 explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: AL
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2023, Midland Credit Management ( MCM ) sent a letter, stating I owe them {$4300.00}. MCM Account Number # XXXX. I sent them a debt validation letter disputing the debt asking for I've never did business with this Midland Credit Management. I do not nor have I ever had a contract with Midland Credit Management. I never consented to them having my personal identifiable information, it seems they have acquired my personal information without consent. Where did they get the consent from and what authority do they have to obtain my personal information without my consent. It appears they have committed Identity Theft. I sent them a debt validation letter disputing the debt, as I am not familiar with them and how they got their hands on my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My Bill is paid they cashed the check I asked them to stop harassing me. I am hoping you can stop this Constance harassment, from XXXX XXXX Collection Bureau of America . 
Last year I attempted to pay some bills that was on my credit report. I sent out several Satisfaction of Accord letters to creditors on my credit report. Two other companies accepted my offer, and one was returned. 
The first letter was to let to the creditors know that I would be sending them a payment within 15 days to settle an account on my credit report. If they rejected to let me know and, if they do not reject to expect a payment. 
Around the 15th day I sent them a " Satisfaction of Accord '' stating in the letter and on front and back of the XXXX also, in the memo section that if they cash this XXXX they are agreeing to the terms in the Satisfaction of Accord. Instead of XXXX returning the XXXX they cashed it with full knowledge of its purpose. And they continued to pursue me for the money. Copy attached of XXXX. 
I sent a letter to all three credit Bureau letting them know that this bill was paid with a Satisfaction of Accord alone with copies of the two letters and the XXXX, but they still allowed it to stay on my credit report. 
Please help me stop this Constance harassment and embracement that they are doing to me. I set up a payment arrangement and they accepted it and still coming after me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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 have informed XXXX, equifax and XXXX  of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent 4 sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX XXXX and I am a resident of XXXX XXXX XXXX XXXX. I am filing this complaint because I had one account with Wells Fargo ; this account got shut down in XXXX XXXX XXXX without me being given any information or notice of the closings. I have reached out to the Bank on multiple occasions and was always given different reasonings as to why this happened. One of the reasons I was told was that it was Fraud, but was not given any further details of the incident, but I did confirm the fraud was NOT committed by me. I have been trying to fix this issue for over a year and nobody from the Wells Fargo corporation has been of any assistance to me. There was also money that was kept and never returned to me.This issue has caused me to not be able to open any other accounts at different banks as I have tried multiple times. It is extremely difficult and such an inconvenience to my life as I have to pay bills, kids, work etc. I need whatever hold is on my information lifted and to be able to have a bank account. As a consumer money is insured by the Federal Deposit Insurance Corporation and is supposed to be returned to me! I also should be able to have a functioning bank account. I need further assistance with this matter and soon!

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquiries that I did not make which has caused me to have to answer questions that are not related to my credit, and inquiries that were not made by me. 

My my XXXX credit report has 2 different social security numbers listed ( see attached copy ). I have called and can NEVER get a live person to answer!! 

Inquires that need to be deleted : XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry 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 2023-10-19
Company: Experian Information Solutions Inc.
State: LA
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:
This is 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 explanation
Consumer complaint received 2020-12-21
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I spoke to a associate on the XXXX of XXXX he advised me somone from the escalation team is going to contact me within 7-14 business days no one contacted me to get the card reissued i keep receiving mail from the company bbva telling me to use my card in order for to receive cash back offers. I have called numerous times to the company with no resolution or information on my account on the XXXX of XXXX I receive a email telling me to give them a survey on the resolution which I still have not recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: HYUNDAI CAPITAL AMERICA
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:
In XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident and totaled out with a pay-off amount of {$14000.00}. I did not have GAP insurance but my insurance company ( XXXX ) was able to cover {$12000.00} and the Ancillary product refund was {$600.00}. I had made every on-time monthly payment from the purchase of the vehicle and then past the accident. Normal on-time payments were made after the fact to pay off the incorrect remaining balance of {$1700.00}. Even though there was no vehicle I continued to make payments. In XX/XX/XXXX, I made a {$50.00} payment at the beginning of the month and when I went to make a second payment on the XXXX the payment portal was blocked. I called the number listed and spoke to a customer service rep, she stated that my account was in another department and that I should receive a letter with the final balance. I did not receive a letter and waited. On XX/XX/XXXX I received a Hyundai finance alert paperless bill for {$220.00} due on the XXXX of XXXX, XXXX. This billing was obviously wrong My thought process was that maybe Hyundai Motor Capital was giving me a break and extended the term to pay-off over time. I was wrong. 
On XXXX the XXXX I received a call from Hyundai Motor Capital and spoke with Mr. XXXX XXXX. He stated that I had a balance due. I told him that I had tried to make a payment and I was locked out of the portal. I explained to him that I did not recieve a final bill and I asked if he could email the final bill which he did and if I can continue to make payments of {$200.00} more on the balance. He said yes. 
Hyundai charged off my account without warning to me and misreporting and not properly reporting to the bureaus over several months and while I was making payments on the account balance. I called several times to try and fix this. I wrote a letter showing that my intent was to do right all along. This account is paid in full. This is wrong to do to people.

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 2023-10-20
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I was surprised to discover that Apple Card had decreased my credit limit without any prior notice. The company insist I was notified by email prior but as of XX/XX/XXXX I have still yet to receive any correspondence from Apple Card. I have requested the company submit documentation verifying prior notice was communicated which they have refused. In speaking with a Apple Card Specialist I was advised this action was taken in response to a charged-off account that was reported to XXXX on XX/XX/XXXX. I want to emphasize that I have maintained a strong payment history with Apple Card, never missing payments, and consistently paying more than my minimum required balance. 

The sudden reduction in my credit limit not only caught me off guard but has also posed financial challenges. This reduction could potentially lead to an increase in my credit utilization, which, in turn, may adversely affect my credit score. The domino effect of a lower credit score could lead other lenders to perceive an increased risk and subsequently lower the limits on my other credit cards. This situation is a cause for concern as it can have lasting consequences on my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I experienced that someone else used my credit card to purchase at XXXX on XX/XX/2021, {$130.00} and XX/XX/2021, {$320.00} on my Bank of America VISA card. I or anyone in my household did not purchase on XXXX  ever. The card account has already been closed. 
I called Bank of America and reported that those were frauds. A week or two later, Bank of America replied that they denied my claim because XXXX told them that those were purchased by me and shipped to my home address. 
I contacted XXXX through a chat on XXXX. XXXX could not find the order from me and admitted that the orders were not from me. XXXX also told me that they can not disclose the order details because those orders were not from me. I have the chat log and the reply email. 
I called Bank of America and reported about that. Bank of America had the shipment tracking numbers of XXXX gotten from XXXX and told me the numbers. 
One is XXXX and another one is XXXX. The both tracking numbers clearly showed that the orders were not shipped to my address and were not picked up by someone else I never recognized. 
Both packages had been shipped to XXXX OnSite : XXXX XXXX, XXXX XXXX XXXX XXXX. And the tracking log showed that the package was picked up and signed by name XXXX on XX/XX/XXXX for one and XXXX  on XX/XX/XXXX for another one. I have no idea about them. 
I also reported these facts to Bank of America. 
Bank of America advised me to file a police report since I already have enough evidence to prove the frauds. 
I filed a police report to XXXX XXXX Police Department ( XXXX ) in California on XX/XX/XXXX. Then I reported the police report to Bank of America and asked to review my claim again. 
The final conclusion of Bank of America was denial and they decided that {$460.00} would not be refunded. 

Would you please review this case and the decision about denial of a refund is a right decision.

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 2018-12-20
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
charging me fees that they should waive they put a fee in b/c crediting my account so they need to reverse the fee

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 2021-10-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX XXXX XXXX RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. 

I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 

Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or 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 non-monetary relief