BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: CITIBANK, N.A.
State: MA
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:
Regarding my Best Buy Citibank credit card account I have been fighting with this company for the entire month of XXXX trying to understand why they are not applying funds to my available balance according to their policy stated in an email to me every time I make a payment that the funds will be available within XXXX hours I have attached documentation of some of my communication with them what I wish is for them to honor their policy and credit any payments I make within XXXX hours maximum I have checked with my local credit union and the XXXX XXXX advises may that the money is indeed in the hands of Citibank immediately on being withdrawn from my account For details of dates and amounts see attachment I am including with my complaint

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 2022-02-20
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: Personal information incorrect

Complaint:
Not all the information is correct on the XXXX credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Stenger & Stenger, P.C
State: CO
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:
XXXX XXXX is showing as the collection agent on an account that was sold after fraud was committed on it by XXXX XXXX XXXX. Upon trying to rectify and settle the account for what I actually owe, it turns out this company is NOT the holder of the debt, but in fact, a law office who is charging me fees regularly is holding the debt. They refused to settle for the actual amount owed, and when I tried to get the name of the law office, the lady refused to give me the name of the company as well as tried to hang up with me after she insisted on arguing with me about whether it was fraud. I repeatedly told her I am not interested in arguing with her, just give me the name of the company so I can start litigation, she told me she is refusing and ending the call. I have NO IDEA who this debt is actually under at this point and they are refusing access to information about the holder to prevent a lawsuit. The young lady I spoke to was named XXXX XXXX, and the number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureaus are disrespecting the laws. I have showed them numerous of times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was in an auto accident that totaled my car and resulted in various injuries. On the evening of XX/XX/XXXX, I went to XXXX XXXX in Maryland ( Business Office # XXXX ) for medical service. Upon filing the accident claim witn my auto insurer, XXXX, the claim examiner asked would I like for XXXX to pay my medical bills or would I prefer that XXXX reimburse me ( XXXX claim examiner : XXXX XXXX can be reached at XXXX XXXX ). At the time, I asked that XXXX pay medical bills directly and I gave XXXX a XXXX waiver form related to medical services rendered in relation to the accident on XX/XX/XXXX. Since then I have received various bills in the mail and repeated phone calls from XXXX XXXX requesting that I settle the outstanding bill. XXXX repeatedly instructed me that they needed an itemized bill to pay the outstanding bill. On XX/XX/XXXX, I received an itemized bill from XXXX XXXX which I uploaded to XXXX 's claims website. 

XXXX informed me that they sent XXXX XXXX a check on XX/XX/XXXX, and that they have a record of XXXX XXXX depositing the check on XX/XX/XXXX. Between these XXXX dates, I spoke with XXXX XXXX twice, requesting if they had received the check, to which they told me they had not, but they entered a memo that the check was " in the mail. '' During the week of XX/XX/XXXX, I received a letter from NCC ( contact number XXXX ) a debt collection company. In response, I contacted XXXX XXXX on XX/XX/XXXX to confirm that they had received payment, and note that XXXX had erroneously contacted me for bill collection. At that time, the gentlemen at XXXX XXXX informed me that he had a record that the bill had been paid and that XXXX XXXX would clear up this matter with NCC. When I asked should I take any further action such as checking that Mercy had cleared up the matter, the gentleman agreed that I should reach out XXXX week later ( XXXX XXXX ). 

On the morning of XX/XX/XXXX, I received a call from NCC. I let it go to voicemail and called them back. After reading off various guarantor numbers and account numbers from XXXX XXXX, the bill collector told me that I'm probably looking at the wrong bill and that I could pay her now. At that point, I officially informed her that I wished to dispute this debt and what are the next steps. She then simply began a process of haggling with me, telling me that they were willing to mark the debt down if I paid then and there on the phone. At this point, I told her that this is ridiculous and that I don't understand why I'm being requested to pay a bill that has already been paid. I hung up the phone and I am now filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through XXXX XXXX CREDIT REPORT XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX EXPERIAN CREDIT REPORT XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX CREDIT REPORT XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX Top Inquiries Creditor Name Type of Business Date of inquiry Credit Bureaus XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX Experian XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Finance other than personal XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX  General Clothing Stores XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Banks and XXXX XXXX  XXXX XX/XX/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 2023-01-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife, a XXXX XXXX XXXX woman that has survived XXXX XXXX, was the victim of a " man in the middle '' attack by fraudsters. She was awakened on the morning of XX/XX/2022 by a phone call. She was then sent a text from what was purported to be the Wells Fargo fraud Department. The caller told her to confirm a text code

fro m WF that was to be sent. She did. She understood this to be the normal confirmation procedure of WF.

She became suspicious of the interaction and called the Customer Service number on the back of her credit/debit card. The actual fraud department said a wire transfer for {$29000.00} had been transacted. As she was still on the phone the WF staff person said another transfer just posted for {$34000.00}. She asked that both transfers be stopped and our account frozen. We have since closed that account and opened another account. 
It appears that the WF internal procedures are inadequate to protect against fraudulent wire transfer orders especially in consideration of Elder Abuse related clients. The control of mandatory security verification call to verify via voice recognition seems to be absent in this situation, but is relatively widely available. 
It seems entirely unjust and inquitable for WF to maintain their posture of reliance on their Terms and Conditions and Online Access Agreement and in light of the adhesion contract conditions of both in opening a banking relationship. This posture seems more egregious in light of the voice recognition technology availability as mentioned. 
Please advise what steps we might be able to take to recover this loss of nearly {$65000.00}. 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 2023-05-23
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-02-19
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : 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 2023-10-22
Company: Experian Information Solutions Inc.
State: GA
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:
Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXX/XX/XXXXXXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended consumer credit plan as Late for any Purpose.

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 2022-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
SPS provided a letter dated XX/XX/2021, stating that " your obligation has been discharged under the United States Bankruptcy Code ''.

If this is the case, then why has the account not been closed and the lien released please? I truly do not comprehend this.

Furthermore, SPS was also defaulted out yesterday on a Quiet Title suit so what exactly is their interest in my chattel property and what exactly is owed?

Please provide a True Bill or accounting showing a -0- balance and send the lien release.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX 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, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX AZ XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX AZ XXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXXXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX GEORGIA XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX AZ XXXX ) XXXX Balance : {$5500.00}

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 2022-12-03
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; 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 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 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 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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2022-02-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was alerted that a frivolous collection agency Transworld Systems Inc. placed an account for collection on all credit bureaus for the amount of {$220.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. On XX/XX/XXXX the agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statue that the collection agency can collect legally on this debt. On XX/XX/XXXX Transworld Systems wrote and informed me they have investigated and responded yet I have not been provided no legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Transworld Systems needs to be held accountable for their unlawful actions.

Company response to consumer: Closed with explanation