BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute through XXXX on XX/XX/2020 and received investigation results on XX/XX/2020 on XXXX.com stating the two items had been removed but only shows on the website. However, when I've disputed items before I received a pdf with the investigation results that I am able to keep with my personal records. When I asked XXXX, they stated I would have to reach out directly to TransUnion to receive that info via a printable document. Upon reaching out to TransUnion, they stated they sent to me via email, and I stated I never received and asked them to verify what e-mail they sent to so that I could verify and see if that is where the error was. TransUnion could not verify or even see what e-mail they sent it to, and then I was told they can not re-send me a copy via e-mail or standard mail, UNLESS is it subpoenaed. I can't get a copy of investigation results??? This is absurd. I'm not asking to re-investigate or even dispute the investigation results, I just want a copy of something saying that, as I have received when disputing items previously. This is completely absurd.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
2019 I think I would sometimes get cash back at grocery store first it wouldn't allowed it then when trying again I got charge over amount and know I had money still in my account I did an over draft got charge more than I was supposed to then before I could make a deposit they closed my account saying I owed money plus the fees didn't under stand about fees every thing you did they charge over payment and it was not even right

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 2020-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous requests, items still remain on my credit report in violation of Federal Law. I filed a police report and FTC Report ( enclosed ). You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX XXXX  : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

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 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday XX/XX/2020, my access to my account has been denied abruptly, and with no warning or explanation. 

Its now Friday XX/XX/2020, and still have no access. I have been getting rejected payments for bills on autopay and there is plenty of money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was being charge extra fees and also was being charge for insurance on the vehicle that I already had. Late fees that I was not late on. Lots of extra fees that I didnt have. Especially on auto insurance witch I always XXXX  XXXX  another company.

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 2022-09-02
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/2022, I was issued a XXXX Rewards VISA credit card by the First National Bank of Omaha ( FNBO ) with a credit limit of {$7500.00}. I received a letter from the FNBO dated XX/XX/2022 ( attached ) informing me that their credit department had suddenly lowered my credit limit to {$2000.00}, a {$5500.00} decrease. My account is current and in good standing, and in the letter there are four criteria listed as the basis of this adverse action, all of which except for one are in error. I called the number listed in the letter supposedly for the credit department ( XXXX ) to discuss their decision, but I was instead routed to the main customer service line. There, I spoke with " XXXX '' and was told that I could not speak to the credit department to present my case. In particular, " XXXX '' was very obstinate, and she also refused to transfer me to another individual at a higher level. Finally, she refused to provide me with the name and address of the FNBO president so I could write a letter to bring this situation to his/her attention. This action by FNBO severely impacted my credit standing, immediately dropping my FICO score from XXXX ( good ) as of last week to XXXX as of today. When I pointed this out to XXXX, she admitted that the bank is aware that a customer 's credit score " may be slightly affected. '' In summary, FNBO 's business practices are unfair to their good faith customers who have no recourse when, through no fault of their own, they are subjected to these arbitrary and punitive credit decisions.

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 2019-01-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2019 the vehicle, a XXXX XXXX, was repossessed by a towing company, XXXX XXXX, out of a hotel parking lot in XXXX Texas. The loan was in charge off status and the company who ordered the repossesion was Ally Financial located at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. On XX/XX/2019 I was emailed a demand for payment of the loan in full for the amount of {$21000.00}. That Monday XX/XX/2019 a wire tranfer was made to Ally Financial in that same amout from a XXXX XXXX bank to pay off the loan in full XXXX XXXX Reference # XXXX. I was on the phone to the Ally call center that same day and the next to verify that they received the full payment amount and asked for a receipt of payment as documentation through email which they were unable to supply even though, verbally, they represented the loan had been paid. I also asked for a release from or for the towing company, XXXX XXXX  so I could retreive my car. I was told the release would be at the Towing company and then in the next convesation told that they had canceled the release. I also tired to make arrangements with the Towing company XXXX XXXX in XXXX texas to retrieve any personal items from the car and was told they were closed and to call back the next day. This happened several times and i was never able to access my personal items. Now without any docementation that shows that this account has been paid in full and a release for the vehicle, my car is being transferred to an auction house at XXXX XXXX XXXX  in XXXX XXXX Texas. There has been many mistakes in this process and there could be another agregious mistake if this car is accidentally sold after being paid in full. I am not sure if Ally and XXXX XXXX are deceitful or just incompetant or both however i am alarmed at this process and hope you can help me to resolve this matter.

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 2021-08-22
Company: Autovest, L.L.C.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Some company called Autovest LLC sent me a letter about a debt I dont owe and hinted that they would take legal action if I didnt pay them. Upon investigating this company, they have a habit of filing XXXX and hundreds of lawsuits in order to obtain default judgments and then garish wages. Im not sure how this practice is legal. I gave back a car years ago and I made a deal with the VP at the finance company to give it back and the debt would be cleared. I havent heard a peep about this car in years and then I get this threatening letter from this unscrupulous company. The letter was dated XXXX. I voluntarily gave back the car in XXXX I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ).

Upon conducting a XXXX XXXX XXXX  credit history, I discovered a substantial number of billing issues under 15 U.s. code 1666 b, Se billing errorD. 
( 4 ) The XXXX XXXX XXXX XXXX XXXXXXXX obligation payment or credit that was given to the debtor on a statement. It XXXX | ( 5 ) A computation error or other similar accounting error on a creditor 's statement. 


I recently pulled my credit report from XXXX and noticed that, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXXis reporting late. I was not late .Please update these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account without noticed 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 2020-12-17
Company: Experian Information Solutions Inc.
State: AR
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:
This credit reporting agency failed to provide proof of their investigation of all inaccurately listed bankruptcy filing. I have not received any bankruptcies petitions showing my signature. 

enclosed is a letter from my court clerk showing that I do not have any bankruptcies filing in their record. 

The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear grave responsibilities, 15 U.S.C. 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The grave responsibilit [ y ] imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unfair charges from atm usage

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 2023-12-12
Company: EQUIFAX, 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:
Examine the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are being reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've been wrongfully charge multiple overdraft fees that I shouldn't have been charged. They then closed account even though I have direct deposit doing into my account

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 2022-11-18
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
First of all my personal information was falsely given by somebody that was not me. Then the person or persons continuously inquired about my property such as mortgage on my house and my credit cards that were already paid off, the person or persons that work for Equifax and XXXX credit report and credit score On each account of my name and Home Address and phone numbers of my Personal information that were used Frauduantly or illegal shown to Creditors In order to ruin my name and credit reports And scores for over 25 plus years or so which I had no credit since 1984

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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:
In XX/XX/2018 my identity was stolen, someone used my personal information to obtain credit under my name. I have resolved all those accounts but recently pulled my credit report and found inaccurate collections accounts on my credit report. The accounts appear to be medical bills which I haven't been to a doctors office or emergency room in years.

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 2021-07-07
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: Was not notified of investigation status or results

Complaint:
I have been waiting for the investigation results from Equifax, XXXX and XXXX  regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$2100.00} collection dept on my credit report at which time, I pulled my own credit report and saw the amount was being reported by Capital Accounts. 

Later, on XX/XX/2018, I disputed the amount in collections and the Collection agency as I had not received any letter or contact from them regarding the debt. The disputes were made online with all three credit bureas : XXXX, XXXX, and XXXX. I asked that the debt balance be removed and/or shown as a charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation