BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: Credit Karma, LLC
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: Was not notified of investigation status or results

Complaint:
On last week, I had explained my concerns, and submitted requested documents to support my concerns, to Credit Karma via live chat platform! Today when I had attempted, to do a follow-up : in relation to the matter, or supposedly open case, it ended up being a total waste of my time, unsuccessful attempt, brutally ended, and my good intentions to find answers, never was dealt with whatsoever! Instead, party with an attitude, flying all off the handle, and getting worked up for nothing! Only reason behind their rendition, can be explained this way! Because, they're XXXX third party vendor/partner ; they felt a need to cover up for, and not question XXXX 's intentions about the matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In response to CFPB complaint XXXX PORTFOLIO RECOVERY ASSOCIATES a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from XXXX XXXX  XXXX XXXX which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). Portfolio Recovery Associates has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Portfolio Recovery Associates has complied with none of this statute. The attached correspondence sent with their CFPB response from XXXX XXXX  was a document from the original creditor that was sent to an address that does XXXX never belonged to me stating that the debt was sold to Portfolio Recovery Associates. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with XXXX XXXX  XXXX. XXXX XXXX  XXXX. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to PORTFOLIO RECOVERY ASSOCIATES or XXXX XXXX  XXXX. Portfolio Recovery Associates was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. Portfolio Recovery associates continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Portfolio Recovery Associates debt claims are refuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I set up an IRA with Wells Fargo account to receive my {$30000.00} 401-K from XXXX/XXXX XXXX. XXXX claims they mailed the check to the Wells Fargo CASH IRA account ending in XXXX on XX/XX/2020. It is now XX/XX/2020 and Wells Fargo claims they have not received the check at the address given to me by Wells Fargo, which is the address they use to receive IRA transfers : Wells Fargo Bank, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX, NC XXXX. IT looks like they lost another check of mine.

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 2022-10-25
Company: EQUIFAX, INC.
State: IN
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 applied for an car I was told they would only pull from XXXX  now I have 16 inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: OH
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
State: WA
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:
Discover has inadequately handled my dispute and is making unreasonable requests. 

1. Dispute # XXXX, {$140.00} On XX/XX/XXXX, I opened a dispute concerning an item I returned but did not receive a refund for. I provided the merchant 's return instructions and proof of delivery, including the XXXX return tracking number. Despite this, Discover closed my case when the merchant submitted evidence of refunds for other items in the same order, without contacting me for additional documentation. When I spoke with a Discover Customer Service supervisor on XX/XX/XXXX, I was informed that a return proof with the full address and a refund agreement from the merchant were required. My concerns are as follows : If the full address on the return proof is essential, why didn't the Discover Dispute Team contact me before closing my case? Additionally, given that I already submitted the merchant 's return instructions with tracking information, why is an additional return and refund agreement necessary? If I could obtain such an agreement, I would not have needed to open a dispute with Discover Bank. The supervisor simply stated that neither she nor Discover could help their client and suggested I seek alternative solutions. Rather than assisting me or questioning the merchant about the lack of refund after the timely return of the item, the supervisor exacerbated the situation. 

2. Dispute # XXXX, {$49.00} I initiated this dispute due to an unrecognized charge, as the merchant charged me again for an item that I had returned and received a refund for. I provided proof of the in-person return drop-off confirmation. However, it seems that the Discover Dispute Case Manager did not thoroughly examine the documents I submitted and closed the case prematurely upon receiving irrelevant information from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid {$500.00} by credit card to start loan application. 
I supplied all requested financial information. 
I was denied the refi mortgage. 
There was an email of denial reason, but I can not open it. 
The agent will not return phone calls, emails or complaints to numerous people at Amerisave Mortgage company. 
I can not reach anyone there after three days about this. I continue to reach out to reach someone. I reapply for mortgages and agents call back. They just email to the original agent who will not reply to me. 

I want my {$500.00} credited to my credit card. 
I want to know the default in my financial record that caused the denial.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions 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:
Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three credit bureaus : XXXX, Experian, and XXXX. 

Firstly, the Account Type Detail for XXXX and Experian is listed as " Auto Loan, '' while XXXX does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with XXXX and Experian reporting the account as derogatory, while XXXX reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with Experian reporting an {$8000.00} balance, while XXXX and XXXX report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with XXXX reporting it as " Unknown, '' Experian reporting it as " Collection/Chargeoff, '' and XXXX reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports.

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly.

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately.

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was denied a credit card that I applied for today, by XXXX. The bank claimed history of my report is delinquent and there there were too many inquiries in the last year. this was a result of my frozen accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2018 i sent a letter to Lexis Nexis requesting the method of verification for US BKPT CT FL XXXX XXXX But as of today i have not received a response. this bankruptcy has multiples inaccuracies, the filing addresses is inaccurate, the status is incorrect, the file date is inaccurate, court location is inaccurate. 

THEY CLAIM THEY VERIFIED WITH THE COURT BUT THE IS FALSE INFORMATION, ACCORDING TO THE COURTS THEY DO NOT GIVE OR FURNISH PUBLIC RECORD TO THIRD PARTY VENDORS LIKE LEXIS NEXIS OR THE CREDIT REPORTING AGENCIES BECAUSE THE DOCUMENTS ARE SEALED AND THEY NEED A COURT ORDER TO VIEW THE PUBLIC RECORD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX I was only recently made aware of the XXXX XXXX vs Wells Fargo settlement. 
I can only credit my own self search regarding other financial matters did I become aware of said class action or anything in regards to being denied mortgage modification opportunities that myself any family could have greatly benefitted from, and Wells Fargo denied at every opportunity. 
Just today on contacting thought the phone number provided on a random website did I contact and was told that I was indeed on the list of borrowers. 
After my prior ( XXXX ) complaints and having no resolution I'm thoroughly stressed to my limit, they still are reluctant to fully supply information and I have received XXXX correspondence or documentation on this matter from Wells Fargo, however they missedaling a small local tax payment ( {$6.00} ) to my city tax account, and had me in collections for that! 
( Yes it has since been resolved ) due to my own due diligence.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXXXXXX 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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The is a new inquiry on my XXXX  and XXXX credit report. I do not know who or how the account has surfaced on my account. I have filed a FTC report and have uploaded a copy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions 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:
Account XXXX XXXX is reporting inaccurately on the credit profiles associated with my social security number and my consumer rights are being violated per the following information : There are a few inconsistencies in the account details between XXXX, Experian, and XXXX on my credit report. 

Firstly, the Account Status is reported as derogatory in XXXX, while it is reported as open in Experian. This inconsistency is a violation of section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report the " current '' status of the account. 

Secondly, the Account Type - Detail is reported as " Credit line secured '' in XXXX and " Secured credit card '' in Experian. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Lastly, there is a discrepancy in the High Credit amount reported by XXXX and Experian. XXXX reports a High Credit of {$340.00}, while Experian reports a High Credit of {$0.00}. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Additionally, the Debt states that it is included in or discharged through Bankruptcy XXXX XXXX reported in the comments section and is inaccurate and requires investigation.

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 2022-12-19
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:
I previously submitted a claim to XXXX XXXXXXXX regarding an account that I do not agree with the amount and the dates reported, and from my last complaint XXXX XXXX stated that they were not reporting the XX/XX/2015 loan to any other credit bureau besides XXXX. This month when I refreshed my credit report, it shows that this account is reporting to Equifax and is hurting my score. I would like for the company to honor their word and remove this account from reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX I received an email about a {$300.00} ATM withdrawal which occurred on XX/XX/XXXX at XXXXXXXX XXXX  at XXXX XXXX XXXX CA from ATM XXXX. 

As soon as I saw this email come in while I was at work in XXXX, CA in a meeting, I immediately logged in to my account to see what was going on. I noticed another ATM XXXX withdrawal in the amount of {$700.00}. I then turned off my card on XX/XX/XXXX at XXXX XXXX 

On XX/XX/XXXX at XXXX XXXX  I received an email that my ATM card was declined from XXXX XXXX XXXX XXXX CA for the amount of {$480.00}. 

On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to discuss the situation and the agent helped me file a dispute for the two ATM charges. I was on the phone with the agent for XXXX minutes. I informed the agent, I had my physical card which was going to expire by the end of XXXX, but that I did see my new card was in the mail. I could see this through USPS informed Delivery which emails pictures of envelopes you will be receiving in the mail. I informed them I had not yet picked up the envelope from my mailbox. When I got home on XX/XX/XXXX around XXXX XXXX I checked the mailbox and this new card envelope was never inserted into my mailbox. 

After submitting the claim, I waited for the bank to resolve the issue but had not heard anything and called them to get an update. The agent informed me the dispute was denied and that I would receive decision information in the mail. They did not have much additional information to provide. This letter came in the mail today XX/XX/XXXX and this is why I am now submitting this claim with the CFPB. 

I have banked with WellFargo since XXXX. This is one of three disputes I have ever submitted and my banking history should provide enough reason to prove these were not my withdrawals. If I had not done my due diligence in monitoring my personal email, not only would a charge of {$480.00} occurred from XXXX XXXX, who knows how much else would have been stolen. Wells fargo should take responsibility for not doing their due diligence and approve the dispute and return the {$1000.00} to my account. Especially, considering these withdrawals were taken from Wells Fargo ATMs.

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