BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I reached out to a clean company that done work in my house in the past I spoke with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is the own she text me she would be available on XX/XX/XXXX at XXXX she kept text me she running late XXXX & XXXX showed up at XXXX XX/XX/XXXX I paid cash {$210.00} plus {$18.00} tip for her worker for cleaning my kitchen and 2 bathrooms they left at XXXX ; XXXX XXXX  in the XXXX  we noticed a check was pending after looking in my check book I left in kitchen we notice the same # check XXXX was missing out of my book we called Wells Fargo right away the told us it fraud and not legal to stop the check I had to close my account we did and on XX/XX/XXXX we notice the same check was resubmitted and cleared a check on a close account to my new account, we also called XXXX XXXX sheriff for theft stealing a check I didnt Authroized. The bank said they dont know what happened the person I asked not to make any contact with me. I want to know after the bank told me I am not responsible for this clearly I am I am on a fixed income XXXX is a lot for my house hold so sick over this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXXXXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-11-07
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2018, I attempted to withdraw the sum of ( XXXX   ) from the ATM on XXXX XXXX XXXX XXXX CA XXXX   using the Comdata card provided to me. And the amount of ( XXXX ) was the only thing dispensed, but it debited me ( XXXX ) not only once but twice the ATM displayed an error on the screen. I went to customer service in that store and I was advised that I needed to contact Comdata to work it out with them since the atm was not theirs and that they had nothing to do with it. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a dispute would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018 after not hearing from anyone, i called them and they said that by the XXXX i would get my ( XXXX ) refunded back in my account i called on the XX/XX/18 since it was already XXXX and nothing apeared on my account and so i was told that if the next day i didnt recieve anything to call again.. I was provided a case number and was told that I had to write to them to get any additional information, which I did. And. So i checked the next day and nothing on my account i called them again and now they said that that kind of dispute could take up to a month so i had to wait. On XX/XX/2018 i called again because i still havent gotten refund my money and they escalated the case and told me to wait 24-48 hrs. Its now XX/XX/2018 and still nothing these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this. I need some assistance to get my payroll funds back to me immediately. Im tired of waiting i think i have waited enough time already

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 2020-08-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I applied for a XXXX XXXX VISA Credit Card issued by Comenity bank. 

After filling out the application, my account opening table indicated I was approved for the XXXX XXXX Visa Card. I accepted those terms and conditions. I was also sent an email advising I was approved for the Visa card as well. Both of which I can provide as proof to the agency should you request it. 

Upon receipt of my welcome kit issued to me by Comenity bank, I received their private label credit card. 

I called Comenity / XXXX XXXX Customer Service multiple times to try and get this resolved and was unsuccessful in doing so. 

I am requesting that the agency compel Comenity bank to fulfill their contract terms and conditions in which we both mutually agreed to in consideration of which account type I was approved for. 

Please feel free to contact me with any additional questions or requests for supporting documentation. I look forward to your response and attention to this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: AZ
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:
I attended XXXX XXXX  university XXXX. XXXX and passed but XXXX took the teachers out at the end they never came back so I didnt get my degree, however I attended XXXX XXXX XXXX XXXX in XXXX they are charging me for a grant on my credit report there are two charges from XXXX XXXX college I spoke with the financial aid building and wrote them from XXXX im XXXX and put said loan in forbearance and deferment but expirian or XXXX XXXX XXXX are say I owe a different ammount then what I owe I didnt think Pell grants had to be paid back. Ive been try to get a car because the dealer ships all started calling me but then then deny me. While trying to fix my credit I paid expirian and they didnt help me. So I contacted XXXX XXXX  and paid them nothing has happened and I only just found out that during the years I was in XXXXn I was victim of identity theaft my taxes were ran for some of the jobs that I was on and I never got the money and I did not file those returns. Also mortgage loans were taken out in my name but they wont show them to me go over them with me or if it try to refute them them happens my own bank XXXX XXXX wont help me add my electric bill or fines Ive paid for years to my account to raise my credit score

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 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, My name is XXXX XXXX XXXX and I have been a preferred platinum member with BOA for over 15 years. I have an issue with the Bank because every time I use my debit card or make a purchase with my debit card I get international transaction fees. Previously, the bank would waive these fees for me if I had already made a purchase. However, now they want me to call each month and tell them I need a waiver put on my account. I find this very inconvenient and somewhat of a hassle. I have told them that I could give them the dates that I would be overseas, but they still want me to call each month. BOA has been impractical and unfair regarding 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 monetary relief
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
I purchased a used vehicle on XXXX XXXX for a XXXX XXXX XXXX from XXXX  car dealership in XXXX ca. My husband cosigned the car and the company had me forge his signature on the paperwork numerous times. I couldn't make payments on vehicle so I posted an ad on XXXX for take over payment option and XXXX cash for my down payment I paid. Signed contract with the guy who responded and he signed contract. He sent me copies of fake money orders for 4 months showing he was paying the payment. I contacted XXXX and told them where to find vehicle so they could get it back. They am said they would put. A voluntary repo instead of a charge off on my credit report. I have disputes this numerous times and been told info is accurate. Now XXXX XXXX  goes into my credit report two times every three months reporting new info which in turn messes up my credit score and appears that I have never paid a cent on loan and they sold vehicle for XXXX at auction but wont show me proof I have asked three times. That was a brand new vehicle they did not sell it for XXXX at auction. This account is closed and has been since XXXX. 
This was a predatory loan and a fraud since only I was the one to sign for my spouse and myself.

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 2023-07-03
Company: EQUIFAX, INC.
State: GA
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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX XXXX BALANCE {$20000.00}, XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX XXXX BALANCE XXXX {$4900.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, EQUIFAX 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, SSA XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX about the capital one account that they said I was delinquent XXXX for two months. Out of the three reporting companies, XXXX XXXX was the only one with the false claim. I called capital one to verify that I didnt owe them money which they verified. I currently have three capital one cards with high credit limits which I have XXXX balance on. Again, why only XXXX XXXX would say I owe them is incredible. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax to notify them that there were inquiries on my report that I did not recognize or authorize. Here are the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: AXOS FINANCIAL, INC.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having an issue of opening up a checking and savings account with Axos Bank. Axos Bank is refusing to open up and any accounts for me due to a previous account which I was a victim of identity theft and a previous bankruptcy on my XXXX XXXX, XXXX XXXX, XXXX, and XXXX credit report. Axos Bank is discriminating against me based on my previous account, bankruptcy, race and income. Axos Bank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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:
fraud account has been disputed and they have charge off the debt with a 1009 c form with the IRS and still reporting every monthly that this fraud account is past due.

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 2023-07-03
Company: EQUIFAX, INC.
State: NV
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'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I was attended at XXXX XXXX XXXX XXXX XXXX with a suspecting of XXXX. I wasn't feeling well and during the interview previous to my attendance I made clear I did not had insurance to cover for the XXXX XXXX. They them told me not to be concern about it as it would be treated as an XXXX XXXX. They never made me clear I would start receiving collection attempts just a few days after my attendance. It is really outrageous that they are taking advantage of people at a time of weakness. I already filled three different complains about this same subject with CFPB but never got any return of my case. Instead, the only thing I got is a hurt in my credit and a continuous harassments of many different collection companies calling, sending collection letters in an attempt to collect a debt I did not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX  XXXX XXXX XXXXXXXX XXXX .... Balance : {$12000.00}

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo allowed a fraudulent collection firm to put a freeze on my wifes and I joint account. The debt was solely in my name and they should have not allowed a freeze on a joint account. I have been dealing with this since the beginning of XX/XX/XXXX. I had to retain an attorney and go to court on XX/XX/XXXX and even with my court order signed by the judge they still havent released our funds.

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 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is connected to complaint number XXXX that I previously submitted. 
After Bank of America told me I was not approved for a refinance, I requested an adverse action notice. I was told I needed to " formally '' apply and pay the credit report and appraisal fees totaling more than {$550.00}. The fees are not refundable. I do not understand why Bank of America would charge ( and KEEP ) an appraisal fee when the company has no intention of completing an appraisal. 

The conversations about this took place on XX/XX/XXXX at approximately XXXX E. T. I was told the conversation was recorded.

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