BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: MO
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4800.00}

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 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was digitally hacked and had all my info stolen. I saw an unauthorized purchase on my account for {$200.00} from XXXX and reported it to my bank Capital One. During this process someone XXXX XXXX themselves {$300.00} from my account. I opened up fraud claims for both instances. The first from XXXX was cleared but the XXXX was not. I was told that because it was peer-to-peer it was a valid transaction but then they threatened to close my account due to fraud. I was placed on hold and transferred so many time before someone was finally able to tell me something. Now my account is in the negatives and I'm a broke college student with no other options. The best part is that they told me that the fraud was done in a completely different state from where I live. I live in NJ and this was all done in Ohio. There need to be a better way to handle these situation. I can't even access my account for any information and this is the only bank I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Earnest Inc.
State: VA
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:
Earnest reported my payment as 60 days past due after to phone calls where I stated hardship and noted I would pay within 2 months and asked if there would be any adverse impact on my credit and they said no. 

Only to my surprise that a day before the scheduled payment my credit score is now tanked over XXXX points preventing me from buying the townhome I was planning to save for this fall. 

I spoke to Earnest on XXXX occasions to no avail. The account is now up to date and I am seeking the 60 days past due removal as it was predatory and done to ruin my creditworthiness and not reflective of my creditworthiness and Earnest lied when they noted that due to hardship the later payment would have been fine. Also despite disputes and numerous calls they have failed to update the account as current and still have it listed on all my credit reports as late. 

After a phone call I was told a manager would call me back and never received a call, I called again and was denied access to a supervisor or escalation to a more senior employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called Experian to check dispute representative XXXX was upset and hung up on me I called back and requested the report be sent to me and the call was hung up again. 
FED LOAN SERV {$1300.00} AccountnumberXXXX FED LOAN SERV $ XXXXAccount numberXXXX FED LOAN SERV {$3800.00} account numberXXXX FED LOAN SERV {$7500.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$7600.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$1000.00} Account numberXXXX  The state all information was accurate without interviewing my family and associates which is a violation of 15 use 1681 ( A ) ( E ). These accounts are also in violation of 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 use 1681 ( b ) ( A2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed a debt from Wakefield and Associates for {$2100.00} on XXXX and {$2200.00} on XXXX both for the original creditor name of XXXX XXXX XXXX XXXX. I called the original creditor and they stated they had no record with the dates on my credit report. I contacted the debt collectors via telephone today and they stated my balance was XXXX. I asked about the difference in the balance and they stated that they are charging interest on the debt. I believe this is a fraudulent debt and they are reporting several inaccuracies between the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was scammed by a Wells Fargo member who also committed insurance fraud. I was tricked into purchasing fake insurance for a potential residential cleaning contract, which was also a scam. I was told since my LLC was less than 2 years old, the only way the company would issue the policy was for me to pay the down payment on the yearly premium which was {$1800.00}. After going through what was said to be underwriting, the rep came back and said the only way to get the policy issued was to pay the entire year upfront which required me to send another {$1800.00} via cashiers check and deposit the funds in what was supposed to be the CEOs account being there card system was down. Remind you, the contract was for {$160000.00} for 4 months. I have emails, recorded calls, a police report ect. After the funds was sent on XX/XX/XXXX, we had a scheduled meeting at the condominium that we were suppose to be cleaning at XXXX but no one showed up which raised a red flag. So after being put on the run around for the next 4 hours, we realized we were scammed unfortunately. After I filed the police report, I went straight to Wells Fargo where the money was deposited. They told me they were not taking walk ins and that I would have to schedule an appointment which I did. However, it was for a week later. On XX/XX/XXXX I decided to call Wells Fargo and see if I could get things done over the phone. I spoke with a rep there, provided him with everything that happened. He told me Wells Fargo would begin an investigation. Another 3 days went by without me hearing back from them so I decided to call back. This time I was told something completely different. I was told they had no record of the complaint I had previously submitted being it was not properly submitted. I had to go through everything again to be placed in a waiting pattern again. On XX/XX/XXXX it would have been a full month since the scam and I have yet to hear back from Wells Fargo. No one called me to request additional information regarding the scam, which I was also a advised. With this amount of time between the incident, the criminal will be long gone. I demand a full reimbursement of my {$3800.00}. Me and my wife had to miss work, waste gas and time, fees to get the cashiers check not to mention delayed on closing on our home being the {$3800.00} was part of the down payment and closing cost.

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 2020-06-11
Company: Midwest Loan Services, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a home XX/XX/2020 and Midwest Loan Services funded the loan. Before the first payment was due they sold the note to XXXX XXXX  to whom I now pay. 
The problem is that they have not reported this to the credit bureaus so I show 2 loans for the same amount on the same home doubling my reported debt and debt to income ratio. 
After a written request in XXXX that produced no acknowledgement or action I reached out by phone and spoke to someone who was rude and disinterested in helping to resolve a simple problem. I was dismissed with the explanation that It would be handled during the month of XXXX. 
It is now safely into XXXX and still no action.

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 2021-06-10
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have a credit card with Citi Bank. In XXXX of XXXX, I received a postcard from Citi with an exclusive offer to cardmembers. It said I could earn a {XXXX} cash bonus if I opened a new High Yield checking account. I had to open a new Citi Elevate Interest Checking Account during the " Offer Period '' of XX/XX/XXXX to XX/XX/XXXX. The Checking account had to maintain a minimum balance of XXXX for 60 consecutive calendar days from the date the Minimum Deposit was met. If these requirements were met, the XXXX cash bonus was to be credited to the account within ninety calendar days from the date the required activities were met. 

I opened a Citi Elevate Interest Checking Account on XX/XX/XXXX. I deposited {XXXX} from a money market account at XXXX XXXX. The full amount of the initial deposit has remained there to this day. I never received my XXXX cash bonus. On or about XX/XX/XXXX I called to inquire why I had not received my cash bonus. I was told that I met the requirement of maintaining a {$5000.00} balance on XX/XX/XXXX. I was told that I definitely was entitled to the {XXXX}, but that Citi Bank had 90 days from XX/XX/XXXX to deposit the money. I was told by a person named XXXX, that the {XXXX} would be deposited into my account by the end of the day on XX/XX/XXXX. The money was never deposited. I called Citi again on XX/XX/XXXX. They could not give me any answers, but opened a " Service Request '', and the matter was supposed to be resolved within 5 business days XXXX XX/XX/XXXX ). I have heard nothing back from Citi, and they have not deposited the 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 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: NC
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 closed this account but it showing as I didnt pay it off., they said it was closed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: HCFS Healthcare Financial Services of TeamHealth
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 have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in exhibit C are in fact compliant and not subterfuge? ( ***copied from affidavit attached*** )

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 2021-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXXBANK/XXXX  XXXX, XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: FL
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:
The credit reporting agencies have improperly used my personal information without my consent..most detrimentally the credit reporting agencies XXXX Equifax XXXX XXXX XXXX have he sadly and greatly harmed my quality of life for to these false reporting My identity has also been stolen as my credit information has been illegally merged with another person that XXXX the same name ..I am a senior .all things contained in my report belong to a consumer with the same name I am prepared to bring charges in a federal lawsuit as the information is showing a debt owed to the department of child revenue for child support that has stopped from getting everything I apply for. Everything on my credit report is false therefore I requesting immediately deleting of every entry on my report as a through and accurate investigation was not done by the furnishers of this information and I have noone permission to invade or report. My private information at any time ever .. pursuant yo the fair credit act see the attached statues and documents stating my rights and the law which governs these stAtutes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Transunion- XXXX XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

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 2019-07-30
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a judgment letter in regard to an old apartment complex citing I owed no funds. The same documents are also available on XXXX. Months later, the same complex has placed a {$3900.00} debt onto all three of my major credit reports. They unlawfully reported this balance to the credit bureaus without first notifying me of its existence and in doing so denied me the opportunity to pay the alleged debt before it negatively effected me. I was not properly notified of the existence of this alleged balance before it was reported. They are not XXXX accredited. The collection company is Consumer Collections Management of XXXX XXXX, MO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XXXX or XXXX this derogatory remark of this company appeared on my credit showing that I owe XXXX from a company name Hunter Warfield and creditor name XXXXXXXX XXXX XXXX 
I tried to dispute this over and over again for the last few years but nothing was ever done XXXX XXXX XXXX. 
I called this creditor on XX/XX/XXXX to address the issue and what to do about getting this off my credit report. They instructed me to file a police report and notarized affidavit along with 2 forms of I.D . 
This is not my debt and a fraud attempt someone has used in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Yes Everything I've tried everything to remove those credits for years and popping up also paid for all types of services nothing changed

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 2022-02-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have attempted to contact this company via USPS Certified Mail on two separate occasions. Each attempt my correspondence was sent to the address listed with all three credit bureaus. The first attempt was XX/XX/XXXX which was received on XX/XX/XXXX. The second attempt was on XX/XX/XXXX which was received on XX/XX/XXXX. I was concerned to see a {$70.00} medical collection being reported by CCS as Ive never received any notification from the medical provider nor CCS. I was willing to settle the debt in full in exchange for a deletion from my credit report. Please find the enclosed letter mailed and the tracking numbers for each attempt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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