BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference under XXXX, transferred TO XXXX  XXXX XXXX, account is inaccurate, and based on CFPB findings this is due to fraud and identity theft as the full outstanding amount was paid to the collection agency. Since this fraud account was paid by me months ago, I request that the account be deleted because it is hindering my life and it negatively impacting me. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid to the collection agency that we agreed to settle and statements proving that I successfully made payment. 
15 U.S.C 1681 Section 602 A States I have the right to privacy In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights as it is a fraud account and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Validation of debt was submitted to this company via certified mail on XX/XX/23. Receipt of confirmation as received. They failed to respond to the validation of the debt. IQ Data International and the Original Creditor XXXX XXXX XXXX  were contacted regarding incorrect charges. Both failed to respond. IQ Data International also violates FDCPA guidelines by not allowing enough response time on their original notification.

The amount of debt IQ Data International intends to collect is {$1900.00}. That is incorrect. I never refused to pay the debt. I asked the debt collector to contact the original creditor to revise the amount and contact me when the charges were revised. I was not contacted, and the company did not call me after they received the validation of the debt and had to cease all communication to remain in compliance. But they should've contacted me in writing. This indicates that they did receive the XXXX, yet failed to respond. IQ Data International proceeded to report this debt to my credit, they were also contacting my child who was a minor at the time the account in dispute was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX failed to time and properly apply requested Covid 19 arrangement for XX/XX/2020 They were contacted phone and through law firm request for 3 months They have engaged in deceptive business practices and marked this account as late as well as assessed additional fees for which they stated would not be assessed. 

They have repeatedly advised they weee Correcting which is the only reason I chose to do a new loan with them. They over charged my on new auto loan despite their repeated guarantees the other loan was being corrected to date it was not corrected and has cost me thousands in tradelines and credit limits as well as excessive interest on current auto loan

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 2018-08-31
Company: M&T BANK CORPORATION
State: MD
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 have encountered daily overdraft fees ( {$38.00} each time ) from M & T Bank. Additionally, they tack on another {$38.00} for every five days that the account is in the red. This makes it impossible to get the account into the black. On XX/XX/2018, I requested that the bank waive the fees for the prior two-week period in an effort to resolve the issue. I explained that my dog had recently had a {$700.00} surgery which left me with little in the way of money for that pay period. When I was paid on XX/XX/XXXX, the account remained in the negative due to their exorbitant overdraft fees. I received a response from the bank indicating that they would not waive any of the fees as I had requested they waive some in the past. They made no effort to provide any semblance of customer service and their fees are costing me hundreds of dollars that I don't have.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have been requesting the removal of errors on my credit report for approximately a year. The reporting companies are refusing to honor my request and delete the information. This is a violation of the Fair Credit Reporting Act.

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 2023-08-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I currently am planning on renovating my home into a XXXX and am working with a investment group who have accepted my offer to them to remodel my home at their expense for a cut of the profits upon completion. And as a gift to me and my soon to be wife they were to send us money to both of us divided between 2 accounts to make materials expenses and labor expenses separate. So we went to wells fargo to receive the funds electronically via wire transfer. But upon. The investors sending money to the ban one account was XXXX and the other was XXXX roughly wells fargo closes my account and her account and are stating it's because fraud. But I know that the funds did not come from a fraudulent source. And any transaction to my routing number is to me .. now the investors are telling them that I am the recipient and wells fsrgo is telling me that by technicalities they don't have to pay me the money. They are saying the money is to be verified by the sender in person firstly before I am allowed to have the funds. And even scarier to me. Anybody with their name can wall in the bank and withdrawal money sent to me easier than it would be for me. Construction has been completely halted and I'm unable to satisfy their requests to reopen or unblock my account. Wells Fargo is reluctant to talk to me or comply with regulations

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 2018-08-31
Company: Experian Information Solutions Inc.
State: LA
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 checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items

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 2023-03-11
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX have charge this account off, but is still showing open on my credit. this company is reporting that the first missed payment was in XXXX, I opened this account with XXXX XXXX XXXX in XXXX of XXXX, shortly after that i loss my job try to work something out with this company, and they would not, the documents i have sent, showing XXXX though XXXX of XXXX pay history showing all the return payments and there was only 4 payments made by money gram on this account, You will also see how many times this company post on return payment, every time i dispute this account this company would change this account to keep it on my credit, the same information you will see on the history of this account is the same information i sent to the credit bureau, and was told that XXXX XXXX XXXX told them that pay history was wrong. I also send a copy of XXXX XXXX XXXX credit report showing this account is still open open on credit 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 explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and equifax from conducting their investigations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Medical Data Systems, Inc.
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
They sent mail to my house asking for money for unidentified information as a result of identity theft not related to any transaction completed by me. 

Medical revenue Service account XXXX and account XXXX and account 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 2023-01-13
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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated and corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-09-19
Company: DISCOVER BANK
State: CT
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:
XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX XXXX account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And Discover ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

XXXX, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated witXXXX XXXX Discover, and XXXX. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In regards to the claim submitted on XX/XX/2022 experian did not have permission to buy, or purchase consumer report, sell or alter the social security number for profit. Theres no contract which proves any debt is owed which involves the furnisher which constitutes the employees of experian did not investigate the matters. No debt can be validated pursuant to 15 usc 1692g otherwise produce the contract. XXXX XXXX XXXX admitted experian, XXXX XXXX and XXXX XXXX have violated credit reporting rules. Theres no debt because theres no money. The financial institutions are running a racketeering and money laundering scheme for profit by altering and selling social security number and monetizing off the birth certificates which are all security instruments. If this is denied than proof must be provided!

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 2019-04-09
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I'm trying to make a principal payment to the loan in order to pay it earlier. They say that their system won't allow it. Any extra payment I make part of it will go toward future interest and the other part toward principal, even though I'm making the regular monthly payment. I want they to apply all the extra payments to principal in order to reduce the interest payments and term of the loan. 

They never disclose that when I signed the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Pnc bank switched the order of transactions on my checking acct on XX/XX/XXXX causing a pending charge of {$8.00} ( XXXX ) to pull from available funds before a charge of {$9.00} ( XXXX ) that was run a week prior and cleared the account. This deceptive and predatory practice resulted in me being charged an overdraft fee on the {$9.00}. Also I made a deposit on XX/XX/XXXX of {$120.00} to cover a further negative balance in the account. I was charge an additional overdraft fee after I made the deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with CCS onXX/XX/2018 and advised them that the debt was invalid. They claimed that the debt was from {$200.00}. I advised them that I never done any business with there company and to remove the debt from my report. The agents weren't helpful at all about removing the false debt from my report. I did advise them that I would file file a complaint I am a victim of identity theft and I am requesting help with having this false debt removed from my report.

The company name is CCS and is on my XXXX  credit report for {$200.00}. The code on my report is Code # XXXX  and the phone number listed for them is XXXX. Address : Ccs XXXX XXXX XXXX XXXX   MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NC
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 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 explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX through XX/XX/XXXX I have disputed in various forms the following accounts for inaccurate information. They have not been properly been investigated or verified. All accounts have been ran through XXXX with the XXXX XXXX compliance guidelines. I have had this problem with all three bureaus but in particular XXXX .... Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$1300.00} Date Opened : XX/XX/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 2022-10-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I ( XXXX XXXX ) is filing a complaint against Morgan Chase Bank the loan department fell to inform me about information on " Good Faith Deposit '' I was previously told by ( XXXX XXXX ) that this {$500.00} dollars deposit was for to lock in my interest rate for the home XXXX XXXX XXXX XXXX Ohio, XXXX then I was later told on XX/XX/22 thar this deposit was use for the appraisal of the home. XXXX XXXX never explain it until XX/XX/22 all the information they wanted was submitted in reasonable time. My closing date for XXXX XXXX XXXX was set for XXXX XXXX  days later

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Since my original complaint that was filed against Commenity for a XXXX credit card, they have NOT resolved the issue. What has happened : XXXX. Lowered my credit limit XXXX. Closed account 3.Not contacted me in writing as to these changes I feel this is retaliatory and has hurt my credit score by almost 100 points.

Company response to consumer: Closed with monetary relief