BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: Protas, Spivok & Collins. LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I first received a letter dated XX/XX/XXXX from Protas, Spivok and Collins, LLC, stating they were a firm representing XXXX XXXX XXXX XXXX with XXXX XXXX being the original creditor and if account was not in dispute they expect full payment of {$7300.00} and unless I notified them in 30 days that I dispute the validity of the debt they will assume the debt is valid. I then sent them a response letter on XX/XX/XXXX advising that validation is requested and to provide me with the following : provide me with the following : ( 1 ). What the money you say I owe is for ( 2 ) Explain and show me how you calculated what you say I owe ( 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( 4 ) Provide me with the original contract bearing my signature ( 5 ) Identify the original creditor ( 6 ) Prove the Statue of Limitations has not expired on this account ( 7 ) Show me that you are licensed to collect in my state, and ( 8 ) Provide me with our license numbers and Registered Agent. They then sent another letter dated XX/XX/XXXX without any of the information I requested. The letter only stated the debt has been verified and the name of the creditor and balance. On XX/XX/XXXX I sent another letter to them asking where is the proof they have the right to collect the debt from me, proof the own the debt, payment history from the original creditor, copy of original contract bearing my signature, and how the fees where determined. Instead of the company validating the debt and proving in proof the decided to send me a summons to court instead for XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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

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 2020-01-26
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Amerihome/XXXX  XX/XX/XXXX to inquire what they needed for proof of paying my Property taxes, {$7100.00}. I sent them a copy of the statement from the county, the tax receipt, and copy of my check, which cleared the bank on XX/XX/XXXX. 
I received an email from Amerihome on XX/XX/XXXX stating they made the payment on XX/XX/XXXX. 
I called them on XX/XX/XXXX, confirming what I sent was received and my account noted that I was paying my property taxes. They gave me no reason why they paid it when there are clear notes that I had already paid it. 
So, they sent me a statement for the XXXX mortgage payment of {$2600.00}, they added the Property taxes ton my payment! My normal payment is {$1600.00}. I made it very clear to them that I would only pay my regular mortgage payment. 
I spoke to someone at the mortgage company on XX/XX/XXXX stating that she saw the work order seeking the refund from the county. They are waiting for the refund, and my escrow account is in a negative status. Well, that's due to Amerihome not reading the account notes before making payments! 
I made it clear that I would only be paying my regular payment, and no penalties are to be associated to my account. They also said I couldn't get an escrow waiver until they receive the refund. 
As of today, XX/XX/XXXX, it still hasn't been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
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:
I closed my XXXX credit card on XXXX The account has been reporting wrong for the past two months! Its still reporting open, still reporting a high utilization and as of XXXX  a late payment was reported! This has damaged my Experian credit score! At the time of my account closure on XXXX  my payments were current and not late! I have disputed three times with Experian and they say XXXX says its open! But when I contact XXXX they send me emails confirming the account closure date and I send that to Experian and nothing gets fixed! I was denied an apartment due to this error hurting my credit! I just get generic responses from XXXX  customer service or they deflect the issue!

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 2023-03-14
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-03-14
Company: BAM Management US Holdings Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated someone who called themself XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding innocent people in the equivalent of XXXX AUD which was transferred from my wallet utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Absolute Resolutions Corp.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have overpaid to XXXX XXXX XXXX XXXX XXXX ( hereinafter " XXXX '' ) for benefit to their client Absolute Resolutions Corporation ( " ARC '' ) {$1000.00}. I have been repeatedly assured by representatives from XXXX and from ARC that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from XXXX through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either XXXX or ARC. I have contacted 'XXXX XXXX ' at XXXX via phone on XX/XX/2018 @ XXXX XXXX XXXX and was told that the refunds had not been sent and that the XXXX accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to XXXX from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both XXXX and ARC submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, ARC through it's representative XXXX, owes me the total overpayment amount of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am writing to file a formal complaint regarding an unauthorized inquiry made to my credit report on XX/XX/XXXX by XXXX XXXX. I would like to assert that I did not initiate this inquiry, nor did I authorize anyone else to make any application on my behalf. 

I contacted XXXX XXXX on XX/XX/XXXX and they have determined that the inquiry was not authorized and has agreed to delete it. The inquiry has been deleted from the other two credit bureaus weeks ago, however, TransUnion has failed to remove the inquiry, leaving me with no means to dispute or resolve this matter directly. 

Given the gravity of this situation and the potential damage to my creditworthiness, I am turning to the Consumer Financial Protection Bureau to seek immediate assistance. I ask that you take swift action to investigate this unauthorized inquiry and ensure its immediate removal from my credit report. I understand that the Consumer Financial Protection Bureau has the authority to address and rectify such violations under the Fair Credit Reporting Act ( FCRA ). 

I expect that you will exercise your power to protect consumers like myself and hold the responsible party accountable. I demand a thorough investigation into this matter and immediate action to delete the unauthorized inquiry from my credit report. Additionally, I request that you provide me with regular updates on the progress of this investigation. I trust that you will handle this complaint with the urgency and seriousness it deserves. 

Thank you for your attention to this matter. I expect a prompt response and resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: WELLS FARGO & COMPANY
State: PA
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:
On two separate occasions I used my Visa Debit card issued thru Wells Fargo to pay for a stay at XXXX XXXX XXXX. I had to prepay for the trip and I completed payment in XXXX of 2019. I went on the trip in XXXX of 2019 and the services was misrepresented nor did it complete services as describe and as I paid for. I called to place a dispute however Visa declined my dispute staying that with Debit card purchases since I stayed there and it was a debit card I used there was no dispute rights. However I have video, emails, pictures and all information requesting to have accommodations and corrections made. The vendor did not respond or correct any issues. Also accordingly with the dispute the merchant even though it was a debit card used my card as a credit card and thus it was ran thru the credit card processing system as use a credit card not requiring a PIN for the purchase therefore I an supposed to be given the same dispute rights and protection as if it was a credit card. Visa non has Wells Fargo do that.

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 2021-03-29
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I wrote a letter to Transworld Systems Inc asking them to validate an account they were reporting on my credit. I had disputed this account with the credit bureaus before, and they sent me some verification. The verification they sent me, very clearly violates the rights granted to me under HIPPA. THEY SENT ME PRIVATE MEDICAL BILLING INFORMATION THROUGH THE MAIL. I want this company to be very aware that what they did was wrong. WHAT IF MY NEIGHBOR SAW THAT! THAT IS HUMILIATING! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions 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 am requesting that it will be removed from my credit report as soon as possible.

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 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an email I can send regarding a promotional offer Capital One said was exclusively for me for being a valued customer. It reads : " Your loyalty hasn't gone unnoticed XXXX. We've added {$100.00} to your bonus offer! You can now earn a one time {$300.00} bonus offer once you spend {$500.00} on purchases within 3 months from account opening. '' ( I have to send a screenshot, but I saved the emali I can also sendl ) I fulfilled my part but more than 3 months since I've applied, they have not fulfilled their part. I called and probably spent over an hour and a half after 3 calls. 
I would've never applied for the card except for this offer. These credit card companies should be punished for this fraudulent advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing on my credit report as charged off and is reporting every month that the account is still charged off, However i filed bankruptcy XXXX XXXX and included the company. There response was the account had charged off before i filed bankruptcy, but I did include them and the collection agency that it was sent to. They should have reported the account past due and then reported charge off for two months until i filed bankruptcy and then they should have reported the account as XXXX and stop reporting charge off every month as they are also trying to collect on that balance that was included in my bankruptcy. This has charged me higher rates on current auto loans and also denied me for other ones due to them reporting the account as still being negative. They have refused to fix the reported information on my credit. I have contacted an attorney out of XXXX that has told me to take all these steps so when we go to court i can prove that I tried every possible step to take to fix this issue. I also filed a XXXX, There reply was that the account was charged off before bankruptcy BUT the account was included in my bankruptcy charged off or not. This is my final attempt to resolve this before a lawsuit is filed for unfair reporting, and collecting on an account that was included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA N is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE BANK USA N XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The following XXXX and TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This is showing to be late but it also says its been transferred. Additionally, the balance is already {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( 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 2019-05-03
Company: WELLS FARGO & COMPANY
State: CA
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019 I closed my Wells Fargo credit card account because they had, multiple times, committed clerical errors without notification that have actively damaged my credit score. I paid the balance in full when I closed the account and moved on with my life. 

In XX/XX/2019 a charge of {$7.00} posted to that closed account from a subscription whose card info I had not yet changed. Instead of rejecting the payment ( because the card was cancelled ), Wells Fargo added a balance of {$7.00} to my CLOSED ACCOUNT. 

They did not alert me. I had no way of knowing they had done this. They charged me {$1.00} interest for XXXX and {$1.00} for XXXX. This brought the total charges on my CLOSED ACCOUNT to {$9.00}. 

In XX/XX/2019 I received a Credit Alert from XXXX that Wells Fargo had posted derogatory feedback on my credit report, dropping my credit score over 100 points. 

I contacted Wells Fargo and XXXX. Wells Fargo agreed to remove the negative feedback from my credit report and it appears they did. 

My credit returned to over 800. 

A week later, Wells Fargo posted more negative feedback to XXXX   ABOUT THE SAME {$9.00} THEY ALLOWED TO BE CHARGED ON A CLOSED ACCOUNT, dropping my credit score more than 60 points again. 

I have called the Wells Fargo Credit Bureau Dispute Resolution number multiple times and left multiple voicemails with no action thus far. 

The Dispute ID Number is : XXXX Please 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 explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation