BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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:
The credit reporting agencies are reporting an inaccurate account. The account XXXX XXXXXXXX is being reported as 60 days late when I was never late in XXXX or XXXX of 2019. I am demanding that this account is updated and the lates removed from my credit report. The credit reporting agencies are also reporting inconsistent information. How is different information reporting when all data furnished should be the same? It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Lastly, this account was transferred, and I was never late with this new company, so you need to remove the lates from my credit report. Please see the attached inaccurate report showing the different information you are reporting for the same account number. Also see the dispute letter that is dated, and time stamped. The account that I am disputing is highlighted. Update this account immediately.

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: DE
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2023-03-24
Company: Westlake Services, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2023 the financing company American financial was closed down. Westlake financial took over their loans. They have repeatedly called. Approximately once an hour per day. They have charged an astronomical amount in addition to what I already paid. They are also sending mail from XXXX XXXX but have their phone number as their contact information. I was told they would not stop calling me, after asking them not to.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I made two transfers to my bank ( Bank of America business checking ) totalling around {$8000.00}. I was able to use and withdraw about {$1200.00} of that money on the XXXX, and then on the XXXX, the bank suddenly blocked my account and subsequently closed it without explaination or warning. I went into a local branch on the XXXX to discuss this issue and was offered no real resolution. I called the next day and was told I would have to wait for them to mail me a check. There is over {$8000.00} in the account and it is ALL THE MONEY I HAVE. I can not live without this money. This is my money and I need it immediately. Ive read several other complaints like mine and heard of ppl having to wait MONTHS to get their money. I can not do this. I am living off unemployment at this time and it is meager as it is. Pleaae help 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 monetary relief
Consumer complaint received 2023-03-24
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, in the afternoon, I logged in to my Citibank account two check my business account. Since I also have a checking account with them, I was wondering if I could link my accounts. Because I was able to do that with other banks. To find out how to connect my account so that I have access all at once. I tried to contact Citibank. Online chatting was one of the options. I clicked on the chat link, but I was still logged in to my account. The chat was an automated response therefore, it gave me some instructions which were not helpful, Then, The automated response system offered me to speak to chat with a representative. Within two minutes, a person ( at least what I thought to be ) started after I explained to him that I needed to link my business and personal accounts, he stated that he would guide me to do that. Immediately called me on my phone. He immediately said to me, " I am XXXX employee number XXXX from Citibank. we were chatting about linking your checking account with your business account " XXXX '' and I will help you to do that. '' He asked me if he needed to verify if I am a real client and asked me for my debit card number. I told him I don't have it. Because I suspected that wouldn't be needed to achieve this. However, he said I have it and I will read it to you. And he started reading numbers and ask me to type them. At this point, he already got access, within a few seconds, I started receiving text messages on my phone stating that I transferred {$2400.00} to XXXX XXXX with a XXXX account. Immediately shut down my computer and called Citibank to stop the transactions. Out of the XXXX transactions, one went through which is for the maximum amount that they could transfer. The other two asked for my confirmation. Citibank assured me that they will investigate and help me to get the refund. However, Citibank has denied the claim. I filed an appeal and was denied again. The incident was reported to a local XXXX and copy was faxed to the Citibank dispute unit.

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 2022-01-08
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX called me in XXXX to collect a debt for the doc that XXXX my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The XXXX that administered my XXXX was paid everybody except XXXX was paid for the XXXX   XXXX  and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX  for the XXXX  of my son I then contacted my XXXX/XXXX ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked XXXX when and who sold my debt to them. XXXX gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called XXXX back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at XXXX and cancelled my payment arrangement with XXXX and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to XXXX and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop XXXX from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. XXXX calls me 10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one froze my account wrongfully because sba deposited XXXX dollars in my account they said i didn't have actual buisness. I applied under sole proprietary. I reached out to individuals at sba they helped me and walked me thru steps to get loan forgiven and it is .I have documents to show that the money capital one is holding is mine and I don't give them permission to hold and want it released at once they still have in there possession as of XX/XX/21. The credit institution which i got loan from is happy and im good standing and have reached out to lend me more money. I have documents for that .Now my buisness is llc which it wasnt mandatory for loan and I have documents to prove that also. Capital one wouldn't respond to my call or voicemail I reached out over 40 times i have proof of that also.My loan is forgiven by the sba i have documents to prove the money they are holding is mine and want it returned ASAP. Sincerely yours XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I move-in XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX. I stay my full year with all kinds of problems with unit. They change managements 3 times in 1 year. Upon leaving the properly XX/XX/23 I did a walk though with XXXX XXXX ( XXXX XXXX Manager ) to make sure that everything was clean and better than I arrived at the unit, so I could not get charge for something CRAZY and get my security deposit back with no problem. XXXX XXXX assure everything was good and I will get a bill mailed to my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX within 3 to 5 days. I never received anything by mail, on XX/XX/23 I email XXXX regarding for a bill and she said that there system email me 3 times. I have no email and ask then can she give me something to show they tried to email me. Her respond was no. I said that not right, system are not always corrected. So she email a bill with the wrong {$1200.00}, I sent a copy of the paper work she gave me about my balance with the walk though. She then went back to check and reduce my balance to {$400.00} I agree and purchase a money order. XX/XX/23 I received a email from Hunter warfields company about a debit from XXXX XXXX for amount of {$790.00} case was open XX/XX/23. I advised them that this is not true and I have email and copy of money order. I would be willing to pay {$400.00} only. They advised to send all information to claims departments, then they would contact XXXX XXXX XXXX XXXX and get back with me. Nobody has contact and its still show a negative on my report. Can someone please help, It has made it hard for me to get another place after a year because of this foolishness that I did everything to sure that this did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I opened an Old Navy Credit card with Barclays bank last year. When I got the statement, I noticed a late fee. I called the bank and made the payment for my merchandise in full ( XX/XX/2022 ) and requested that they remove the late fee, which they graciously agreed to. Once they assured me of a zero balance, I also requested they cancel my card and delete the account. This was dine as well. They did mention that I should see zero balance in my next statement as billing takes some time to process it. However the next state I got had a late fee again. So I called immediately. The agent asked me to ignore these and said the waiver is still under process. But I need not worry, once it is processed I should see a zero balance. The next month I got another statement, and this time with more late fees. I called again and got the same response. To ignore. And that is what I did. Today I got a bill for over {$210.00}. My husband called the bank and was told now that there was a {$2.00} residual interest fee slapped on the card AFTER the card was closed and that I did not see. That fee does not get waived. It grows with {$40.00} late fees added to it. Through that loop hole the bank continues to charge you till you pay up. This is a SCAM!!! Pure harassment for us.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 with the Fair Credit Reporting Act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name : # XXXX XXXX, Account number : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states : I have the right to privacy.

15 U.S.C 1681 section 604 A states : A consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : 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 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 2022-04-05
Company: Possible Financial 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: Personal information incorrect

Complaint:
To whom this may concern : Please validate the alleged debt referenced by the following account number : XXXX.Your company stated that a total balance was due in the amount of {$200.00}. 

If Possible Financial still claims this debt is valid, correct, and accurate, please provide the following specific verification of records : 1. A copy of original contract with a signed application dated with my signature.

2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.

3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of $ amount is owed to Company Name.

5. A full ledger of accounting documentation.

6. Specific services and codes ( please include service codes ).

7. Please provide your Your State business license and articles of incorporation to do business in my state.

I hereby give Possible Financial 15 business days to produce verification described herein this notice. If your company fails to produce the aforementioned documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for further investigation. Thank you very much in advance for your prompt response. 

Respectfully, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have XXXX XXXX and struggle every day trying to process information. Working with Wells Fargo to resolve issues with our XXXX Wachovia/Wells Fargo HELOC has been difficult. The last written reply dated XX/XX/XXXX required approximately 2 months to research. However, the research was based on an error by Wells Fargo ( used XXXX instead of XXXX statement ). Furthermore, Wells Fargo maintained that the account was handled correctly, no action is needed since NO ERRORS occurred. Their continued deceptive practices have made it impossible for me to understand. My wife spent countless hours and identified several errors in EVERY RESPONSE since  XX/XX/XXXX. Attached are the errors identified by my wife in their account statements and Recalculation of Interest table. The written responses speak for themselves. These customer care and recovery specialist skill levels are highly questionable. No effort was made to help us when physically speaking to a WF staff regarding my XXXX and difficulty understanding their response and monthly account statement.

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