BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The XXXX XXXX XXXX  XXXX/Velo Law Debt Collectors are contacting me regarding a debt that I do not owe. at inconvenient times and places. On XX/XX/2023, I have told their receptionist that this debt had been placed into XXXX  XXXX bankruptcy the receptionist made a threat to me over the phone, stating that their attorney would garnish all my wages due to a Judgement against me at the 46th District Court in XXXX, MI. In addition, the receptionist stated I do not care if you make a complaint to the state or the bankruptcy court ; we will get our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, at approximately XXXX XXXX  ( advised I may be recorded ) I contacted XXXX XXXX Collection agency at XXXX and XXXX, in reference to come to terms with a possible debt from an original creditor to wit " XXXX XXXX. '' I spoke to a " XXXX '' and a person who identified herself as " XXXX '' who informed me she was not obligated to provide me with her last name. Both XXXX and XXXX reported I owed {$3300.00} and also {$94.00} which is an amount greater than that recorded by XXXX XXXX records. When I explained to both XXXX and XXXX my financial circumstances and if they could possible offer some type of settlement amount they both stated " XXXX XXXX does not allow us to reduce the amount owed. '' I therefore, contacted XXXX XXXX and spoke to a " XXXX '' and also a " XXXX '' who reported the above statement is inaccurate and that XXXX XXXX has nothing to do with the amount owed with regard to payment thereof. I subsequently again contacted XXXX  XXXX and again spoke to XXXX, I requested to speak to the " Supervisor '' XXXX and XXXX reported that XXXX had gone home for the day and they did not have a Supervisor on site for me to communicate with. XXXX reported the Supervisor will not be available until XXXX XXXX the following morning. With respect to the above comments, I feel XXXX is in direct violation of XXXX XXXX - Operation without a Manager and XXXX XXXX Section 1 and Section 2, Subsections ( a ) ( b ) - Prohibited practices.

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 2023-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
the bank offers an extra day for us to make the deposit and once again I felt cheated. I had an account to be debited today and they send an email saying that there is this period and they don't give the extra day at all. my account came back, I lost my service and I will still have to pay interest because the bank says give it a day and even sends an email confirming it but nothing happens. are playing with the consumer. this is already the third complaint that I make here and after solving all this because I felt aggrieved, I'm going to look for another bank because in this bank my money does not yield anything, not to mention the absurd fees they always charge.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have sent multiple disputes to transunion for reporting a XXXX XXXX credit card that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Incomm Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a gift card on XX/XX/2023, that was fraudulently used. 

I contacted XXXX immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, XXXX, XXXX requested documentation on the card, which I provided and also attached to this complaint. 

On XX/XX/2023, XXXX informed me the case was resolved in my favor, and promised a new card via XXXX delivery. However, this card has still not arrived, 4 weeks later. 

Since then, I have not heard any updates on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Was not notified of investigation status or results

Complaint:
I have been trying to get these errors off my report but unfortunately, this company is not so responded so this time I guess need to ask assistance from consumer protection bureaus like CFPB and Atty General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/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 2023-08-31
Company: Absolute Resolutions Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: CA
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:
Last year, between XXXX XXXX  due to extreme financial hardship, medical problems, I became a series behind on several of my bills. While I normally make a great effort to honor my bills on time and fulfill my responsibilities at this time of the late payment, I was simply financially able to make the payment on time but I made the payment. 

I have since gotten back on my feet and bought my account up-to-date with your company. 

I am now trying to buy a home, however, I am having difficulties receiving affordable ways due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing the late payment from my Credit for As a gesture of goodwill. This kind removal will sincerely be appreciated and an invaluable gift to my family and I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my XXXX  account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2023-08-31
Company: CITIBANK, N.A.
State: OR
Product: Credit 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:
Citi closed my dispute twice and both for reasons for which I already provided the required documents. Citi claimed I failed to provide documents supporting my disputed transaction when in fact I sent all documents twice. Citi then claimed I failed to communicate with merchant to resolve the issue when in fact I did try to resolve the issue with merchant prior to the dispute ; I also sent citi screenshot of emails between me and the merchant showing that merchant refused to communicate with me over emails and wanted me to call. The merchant did not want to respond by writing even after I asked to have any communication in writing. The disputed transaction is in the amount of {$910.00} with XXXX ( the merchant ). The merchant used deceptive and misleading advertisements on their website when advertising a hotel room I booked and paid for through their website which violates consumer rights to receive truthful information about a product or service.

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 2020-07-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I entered into a forebearance agreement with Wells Fargo bank for the mortgage on a property that I own due to COVID-19. As a result I skipped my monthly mortgage payments in XXXX and XX/XX/2020 which totaled {$4000.00}. I resumed my monthly mortgage payments in XX/XX/2020. 

On XX/XX/2020 while reviewing my Wells Fargo mortgage account I noticed that Wells Fargo increased my principal balance from {$270000.00} to {$280000.00}. 

On XX/XX/2020, I telephonically contacted Wells Fargo bank to ascertain the reason for increase on my principal balance. The unidentified employee indicated that the principal increased because of the skipped mortgage payments. 

It was explained to me when I entered the forebearance program that the missed payments would be added to the end of the loan. I did not borrow any additional money from Wells Fargo so my principal balance should not have increased. The Wells Fargo employee could not adequately explain the principal balance increase, she almost seemed to not understand it herself. 

My mortgage principal balance remains unchanged and is higher than when I entered the forebearance program.

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 2022-11-04
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Proficio financial services and XXXX XXXXXXXX XXXX XXXX claimed that the business I was running back in XXXX did not pay them the insurance money that the insurance authorized. 
the business never received any contract or estimate from XXXX XXXX XXXX XXXX. They submitted the invoice to the insurance company. and the Insurance company approved only {$3800.00}. The business paid them what the insurance approved. 
They are trying to scam me for {$4400.00}. 
I do not owe XXXX XXXX XXXX XXXX anything. They got paid what the insurance approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: SC
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.

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 2023-06-19
Company: EQUIFAX, INC.
State: NJ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The manager or an employee at XXXX XXXX XXXX approached me with an offer to postpone my payment. I agreed, paid a fee for the extension, and was granted - as the manager ( XXXX ) at XXXX XXXX stated a postponement. 

Although XXXX skipped the month, unbeknownst to me, XXXX XXXX also reported the skipped payment as past due to the credit bureaus and increased their fees on the account. Consequently, it intentionally harmed my credit score. 

Other XXXX XXXX  borrowers I know reported the same duplicitous scam by XXXX XXXX, which appears to be an attempt to limit people in this class to continue borrowing from XXXX XXXX since they won't have a good credit score to go somewhere else.

Over the past five years, I've never missed any payments on my cars, credit cards, student loans, or other personal loans. The only item showing missed is the scam payment extension by XXXX XXXX. After refinancing the loan in 2021 with XXXX XXXX, I haven't missed any payments. Still, they continue to incorrectly report a missed payments making it costly to purchase a home. There is a whole class of borrowers impacted by this scam.

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 2020-07-20
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I have paid off XXXX XXXXXXXX XXXX and it is still being reported as if I owe. Also items that should be deleted are still being reported on my report. 

Any accounts that are showing me as authorized user should be removed. It affects me negatively and it is not my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi, I am a victim of identity theft, and someone impersonated me and financed a motorcycle without my permission. This loan account was reported to TransUnion, and TransUnion refused to remove this account from my credit report although police report and FTC ID theft report were all provided to the agency.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 non-monetary relief