BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Last year ( 2022 ) between XXXX and XXXX Wells Fargo bank charged me XXXX $ of overdraft fees. Some of those fees have been posted 3 times on the same day for XXXX different transactions, XXXX $ each. The same charges have happened many times over the period of 6 months. the total overdraft fee I paid in XXXX was XXXX. 
I called them trying to waive some of the overdraft fees ( since all transactions happened on the same day ) but they refuse to refund me some of the fees. 

The question : is it legal for the bank to charge an overdraft fee 3 times in XXXX day? In my opinion, they should not process the second and third payments if the account is already has charged for overdraft. 

Note : Bank statements ( XXXX and XXXX ) are attached. 

Respectfully.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  opened a collections account for {$XXXX} to my account and reported it to TransUnion, XXXX, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to TransUnion and XXXX on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!

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 2023-09-21
Company: Advanced Resolution Services Inc.
State: FL
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:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
A couple of months ago I saw my XXXX score drop XXXX points. I called capital one than I was told to call XXXX. I talk to a support agent who informs me I have had a unauthorized hard inquiry on my account that I need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My account with XXXX, a collections agency was reporting fraudulently and was misrepresenting my character. The company was removed from my credit reports only to be re-inserted unlawfully. 15 U.S. Code 1681 states the agency must notify myself in writing 5 day after re-inserting a collection on my credit it also states that thorough investigation must be done and a record of said investigation be given to the consumer ( me ) .Experian has failed to provide me with any evidence of an investigation and or notice of re-inserting the item on my credit.

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 2021-06-24
Company: SYNCHRONY FINANCIAL
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On XX/XX/XXXX an unauthorized automatic payment purchase on my Paypal credit acct. 1st payment made, then autopay was then canceled. Also received email of unusual activity on account. XX/XX/XXXX their were 2 people that had money sent to them. Both for $ XXXXAnother person purchased something for {$85.00} an I was refunded. I tried to call Pp you can't. Got on chat, reduced amount available. I wanted it locked!! Changed pswrd multiple times. Another email unusual activity on acct. Removed all cards linked to acct. XX/XX/XXXX!!! even after removing all ACCTS. 2 PEOPLE WERE SENT MONEY {$80.00}. I was even emailed they " broke my security questions '' and still they did nothing to shut it down now! This was all done on Pp credit. One was canceled One stopped auto pay the rest were denied. Including after I pulled linked accts.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-02-10
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: Information belongs to someone else

Complaint:
I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2021-08-17
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:
Please note that I have made 2 attempts to resolve this issue. Equifax is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed. 
They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Total Card, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These are not my accounts. 

XXXX/TOTAL CRD # XXXX XXXX/TOTAL CRD # XXXX Please provide method of verification and validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For my accounts ending in XXXX and XXXX are closed and I no longer have access as these accounts ( just for XXXX, please do NOT touch the other accounts on my file ), is no longer associated with me and need to be removed entirely. I have attached proof of the XXXX  out account.

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 2023-01-25
Company: Resurgent Capital Services L.P.
State: RI
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 to the federal credit reporting act, this creditors XXXX XXXX and LVNV Funding LLC have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber home loan has been processing mortgage payments that were sent on time from the DEO of Florida! Caliber Home loans know that these payments are in the building sitting in an understaffed department waiting to be processed. XXXX, XXXX, XXXX and XXXX caliber home loan received my mortgage payment within the allotted timeframes to be deemed on time. I called Caliber Home loans everyday of the week begging them to apply the payment to the account. Caliber Home loans rep explained that they have thousands to go thru but that payment will be applied. Now caliber home loans has ruined my credit and caliber home loans wants me to dispute the mark when all they had to do was protect the consumer from this terrible credit marking. My XXXX payment was in the building on time and now caliber home loans has the nerve to damage my stellar credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had my unemployment deposited into paypal. They are holding my money now for 6 months and I'm homeless.they will not answer any form on communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: BARCLAYS BANK DELAWARE
State: DE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge appeared on my CC ( American Airlines Advantage ) that was made on XX/XX/XXXX at a restaurant that I did not go to. I disputed the charge and they removed it. I then received a letter telling me that they were reversing the charge because " I had to use it because of the chip technology ''. I asked them to show me the receipt with my signature and have not received a reply. I have been trying to dispute this since XXXX. 

I sent another email yesterday to Raising Concerns @ Barclays : I've been trying to dispute a charge on my CC since I received my payment in XXXX. 

I have received another letter telling me that " I had to have possession of my card due to chip technology ''. I don't know how many times I need to say this ; I DID NOT USE MY CARD!!! 

I have repeatedly asked for evidence of my signature on this charge and have yet to receive this. 

If someone would bother to look at my payment history, you would see that I do not report issues unless I've been scammed!!! 

This is getting ridiculous. This is the second time that I have received a letter like this. There is no point talking to the Fraud Department or Customer Service as they either do understand English very well or are just incompetent. 

There is no investigation because he one is responding to my concerns. Again, where is my signature on this bill from XXXX XXXX. 

I have been in contact with the XXXX and will now follow a complaint with FCC and Consumer Financial Protection Bureau.

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 2023-06-19
Company: EQUIFAX, 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:
XXXX XXXX. I have never had this account. I have never had an account number. This is a fraudulent account that the three bureaus refuse to address because they get paid by the company. If you can not report fraud to the credit departments, then who?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account XXXX date opened : XXXX amount : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
15 usc 1681 and under FCRA laws companies are required to provide proof of alleged debts and a signed contract with my signture that i agreed to do business with this company and have my NON PUBLIC INFORMATION SHARED WITH OUT MY CONSENT

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am respectfully asking the XXXX, XXXX and TransUnion Credit Bureaus, to kindly please REMOVE these items listed in this complaint. I am sending this complaint as a follow up in making sure that these items listed below are removed from my credit reports. I am asking that the XXXX Credit Bureaus to please see the these items below and remove them in my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : 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 2022-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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:
Check system has repeatedly done little tricks to change my password and keep me locked out of the account to give me the verify whatever they're trying to give me the verify this is becoming discrimination I called you in a few minutes a second ago and they told me that I needed to give my consumer portal twice two or three times a week and I don't understand that when they just sent me correspondence if every day for the last 4 days telling me to check your correspondence and log into the portal so you can see what we are response was and if I don't understand why they send me that and then tell me I can't check it then why use it ad a point of communication.p they're about they've also made it very difficult for me login by changing my password and trying to give me to lock my own account so that they can call I have to call them to verify whatever it is that we're fine I took screenshots of this so as proof I tried to log in the first time and they sent me to a screen that I did not set that email and have no ideal who I COULD Email it was Then 5 minutes later I try to log in again under private browser it takes me to my correct email address that I set up this is not an accident this is them playing games

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
H

I I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-03-17
Company: Verisk Analytics Inc
State: FL
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation