BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have written several letters since XX/XX/2020 and there has been no acknowledgement of the dispute process even beginning. I recently puulled my report and discovered a few inaccurate misleading items. I was also made aware in the process that my information was compromised in the XXXX  data breach. Now more than ever I am convinced my information has fallen into the wrong hands. I have made several attempts to resolve this matter. Litigation is my next attempt to get these erroneous item removed from my 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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received two gift cards in the amount of {$200.00} each ( {$400.00} in total ) as a gift a few months back from my friends as a housewarming gift and I opened the gift card packages a month ago. 
When I checked the cards I realized there weren't any security codes behind the card which doesn't allow me to use cards online or in store. 
So I contacted the customer service and opened a case with a case number XXXX explaining the situation. They requested the documents below. 

o Front and back of the card as well as any tampering/packaging o Original Proof of Purchase o Copy of your photo I.D .

o Mailing address I provided all of the documents except the proof of purchase since it was a gift from several friends and it's inappropriate to call them and ask for a proof or want them to track down the expense which they did who knows when. And I explained this situation to representative. They said it was okay on the call but closed the case with an explanation they never received the docs needed even though I sent several times. 

Then I opened a second case with a case number XXXX. This time they received the documents and asked for the proof of purchase and I explained the situation once again. I didn't get a response from them. Today I called them to ask for an update about the case but I heard that the case was closed once again without an update given to me. I was basically waiting for nothing. 

So I opened a new case with a case number XXXX but it has been more than a month and I lost my hope about them resolving my case. That's why I contacted you. 
Basically they are keeping my {$400.00} just because I'm not able to provide a proof of purchase even though I have the cards physically and their security codes are empty. 

Don't know what else I can do to get my money back. It's like stealing money from gift card recipients. Basically they can sell several cards without a security code and keep the money to themselves because the gift receivers won't be able to provide a proof of purchase. I need a replacement of the cards asap and I don't wan na let them keep my money. They have no right to do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
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 the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 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 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 explanation
Consumer complaint received 2023-01-22
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:
XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 
15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.

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 2022-04-22
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: Account information incorrect

Complaint:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. XXXX XXXX XXXX  XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing 7 closed accounts with XXXX with no results of resolutions. Specifically with providing me with proof that I have asked for under my rights per FCRA section 60 ( A ) ( 1 ). Pertaining to late payments and continuing to report late payments after the accounts are closed. 

1st letter of my dispute was sent certified mail requesting the the 7 closed to be validated per FCRA section 609 ( A ) ( 1 ). Please see attached certified mail dated XX/XX/2020 with USPS Tracking # XXXX. 

XXXX came back with verifying my disputed accts as " accurate and validated '' thru data furnisher and updating the accts. But the reported info are the same with no changes. However they have completely ignored all my requests with providing documentations that validates the inaccuracies of their reportings.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Any transactions I would make the amount would not be taken but it would show on my ledger then Im thinking its being deducted and it wasnt so I was in the negative all the time. I would just like my over draft fee be put back into my account from when I opened my account. When I would call and state my concerns they would say for me to manage my funds better and ask if theirs anything else I need help with.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive had a checking account with Wells Fargo for years, and apparently over the last few years he started charging me a $ XXXX monthly service fee that I have never been charged nor have I ever changed my checking account planned. When I contacted them they said that this was a fee that started and if theres nothing they can do to refund my money. They never notified me. It wasnt right. Apparently they couldnt do anything to help me so I canceled both my checking and savings account when they wouldnt refund my money or explain why they would do that to 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 2023-02-27
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the 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 and XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-10-16
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I can not get in contact with someone at Mohela on the phone to request a refund as part of the student loan debt relief program. There was an automated message that they cant take phone calls because of the new announcement of the program. This is a timely issue given that I need my student loan refunded to apply for loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the inaccurate account information for XXXX XXXX XXXX XXXX showing on the credit file with Equifax. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal

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 2023-11-10
Company: EQUIFAX, INC.
State: TX
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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NY
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:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Ive never been late on this account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 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 2015-04-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I closed all my accounts over a year ago.  Recently the bank sends a collection notice regarding XXXX of these accounts with a warning that they are going to close them.  These accounts were custodian accounts that was closed over a year ago, that had both my name and my daughters name on it.  Apparently, they must have left them open and continued to withdraw fees from it.  the amount they stated owed were XXXX and XXXX.  It appears that they can control anyone's account even after it is supposed to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I scheduled my electricity bill payment of {$220.00} on XX/XX/2023 from my Capital One checking account through bill pay. Capital One deducted the funds as if the bill was paid. I then received a notice from my electric company on XX/XX/XXXX that they would shut off my electricity by XX/XX/XXXX due to non-payment. I called Capital One on XX/XX/XXXX and was first told by Capital One that the payment was mailed so that it just hadn't been received yet. Then a second representative at Capital One told me that day that this was not true, that the payment was electronic and should have been received within XXXX days of the XX/XX/XXXX request for payment. They told me I was responsible for the electricity payment even though the bank had deducted my funds and the electricity provider still did not show any payment received. The second representative also told me that I was responsible for late fees being charged by electricity company and that Capital One would not be responsible for those charges. I finished the call exasperated by that information, called back and spoke with a manager named XXXX @ XXXX AM XXXX XXXX XX/XX/XXXX who sent me to a XXXX representative named XXXX at XXXX pm who told me they would ask for an investigation and get back to me with proof of payment. 
After hearing nothing I decided to call Capital One back on XX/XX/2023 @ XXXX AM XXXX and spoke with " Faith '' as the electric company is scheduled to turn my electricty off tomorrow on XX/XX/2023. Capital One told me they still have no final confirmation of proof of payment receipt, and that I just have to wait for an email from them, even though they have deducted the funds from my account and even though my electricity will be turned off tomorrow. I told her I have no longer to wait since the electricity will be turned off tomorrow and the forecast is for XXXX degree heat where I live. I as then put on hold to wait for a " manager '', and XXXX minutes later I decided to give up and file this complaint. 
The bill pay was scheduled XX/XX/2023... XXXX XXXX days later Capital One can not give me an proof of payment, refuses to accept responsibility of any late fees that my electric provider is now charging me, and the electricity company still shows no record of payment from Capital Bank on my behalf. Capital One also refuses to credit my account back the money that was deducted from my account. 
AND GUESS WHAT? I was still on HOLD with CAPITAL ONE BANK FOR OVER AN HOUR AS I TYPED THIS COMPLAINT, AND THEY JUST DISCONNECTED ME. 

PLEASE PLEASE HELP.

Company response to consumer: Closed with monetary relief