BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2021-03-26
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 a {$130.00} charge was discovered by me that I did not authorize from XXXX. I reported this to Wells Fargo right away and my card was given a temporary/conditional credit. Later, I was able to get XXXX give me credit so I then contacted Wells Fargo and told them that XXXX gave me a credit of {$130.00}. Wells Fargo then reversed the temporary/condional credit ; however, they actually manually added a second charge for the {$130.00} from XXXX. The bottom line is, for XXXX purchase of {$130.00}, I have been charged XXXX times on my Wells Fargo account and credited only twice ( once by Wells Fargo and once by XXXX ), leaving an inaccurate of {$130.00}. I have been fighting with Wells Fargo about this issue since the beginning of XXXX. I have written letters and spent countless hours on the phone with the fraud department, credit dispute department, customer service, and even took my issues to a brick and mortar facility on XXXX VA. Every person either says they see the issue, or they are not looking at the entire account so they think I have been properly credited when in fact, I have not been. I am very distraught about this because they will not remove this fraudulent charge from my account and I am afraid my near perfect credit score will be in jeopardy.

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 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America closed my account that I share with my husband. They locked all of our funds and are refusing to give them back to us ( over {$5000.00} ). They are claiming its because my XXXX  loan went into my personal account. The gentleman Ive been speaking with at the bank told me XXXX  would need to call them to get the funds. XXXX  says in no way shape or form will they do that. Its a loan that I am responsible for. Once it left their hands it became mine.

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: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I sent Convergent Outsourcing partial account # XXXX seeking {$120.00} a NOTARIZED Cease & Desist letter. I requested that they remove their negative reporting to XXXX, XXXX, and XXXX immediately as they are not my original creditor and that I do not wish to work with them. I am enlisting the CFPB for help in making sure that they do remove these damaging reports and terminate all collection efforts.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: IN
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 Report Act XXXX  Account : XXXX from Creditor : 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-02-17
Company: EQUIFAX, INC.
State: KY
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:
ow do I write a hard inquiry removal letter? 
To whom this XXXX concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Equifax, XXXX and/or XXXX credit report. My latest credit report shows 13 credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a cellphone for my wife for XXXX from XXXX. The phone did not work. The told me to send it back for refund in which i did and they refunded my XXXX $ back to my XXXX gift card. I asked them to put the funds back on my original payment method which was MasterCard but they said they could not transfer balances to another account so i filed a dispute with my bank. They requested all documents supporting my return and refund in which i did. MasterCard made the XXXX $ available and took it back as i was attempting to purchase the phone from my phone company in which the transaction was declined. They told me that it was not available because i had not won my dispute. They then made XXXX $ available in which i withdrew but then said that it was not available because i did not win and XXXX did not refund the money so they are charging me again for the XXXX $ i withdrew. MasterCard is saying that XXXX is saying that i never returned the phone but i emailed all documents supporting the return and XXXX gift card refund. I know that XXXX refunded the money but they are saying they didn't and still charging me for the XXXX $ in which I'm still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
For account ending in XXXX. Last for of the card is XXXX. Equifax sent an incorrect statement to XXXX XXXX about my application being a fraud account when I did not report that. XXXX XXXX closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for Equifax and XXXX  to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called XXXX XXXX on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to XXXX  as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There's an account on my credit report that has been removed and a couple of months later it pops back up making me go through the entire dispute process all over again. When it does show up again you can see that whatever discrepancy I would point out on a previous dispute would be corrected, but have another piece of information wrong or different across all 3 agencies. It's obvious because technology now allows me to capture the screen shot and see how it's changing as if. I'm not noticing it. How many chances does one get to correct the record? Eventually with enough chances they'll be able to get it all right. In my opinion there's been enough of what I think in my own opinion violations done to me to where I don't have to argue about the validity of the account in question. Currently XXXX has been the only one out of the three that has got it right for the second or third time, sorry im starting to lose track. It's insane what I have been forced to go through. Dispute after dispute. I've even sent the disputes certified pointing out all the discrepancy in regards to the the amount of the account. It always changes. I even have a recorded phone call with one of there employees who couldn't get the facts right. First the original balance was {$3800.00} then it was {$3800.00}. But then there was adjustment that brought the original amount to {$3000.00} to no wait the original amount is {$3800.00} and 20 % of it was already paid. 2 of the credit Bureau 's had the original amount at {$3800.00} and the other at {$3000.00}. XXXX with the original amount of {$3800.00} with a high balance of {$0.00}. Equifax removed the account then reinserted it without notice. No heads up, no letter in the mail letting me know. XXXX did the same without notice. There's incomplete information showing the collection status for the last 3 months and no status information for all the months before hand. I asked for the credit Bureau 's for the findings of facts with proof of the investigation efforts and nothing but crickets. They have date of first delinquency of XX/XX/XXXX of 2018 yet I have a letter from the the original creditor stating the payment was due XXXX of 2018. They claim the debt is educational yet the information they furnished to hireright reporting agency has absolutely nothing in the trucking school section of the report. I'm sure there's stuff I'm forgetting. I just want this account to be gone, deleted, and done and over with. I have proof of all this. I'll try to attach as much proof as i can but please if theres anything you dont understand or need explanations of anything, then for love of XXXX contact me by any means possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a lawful payment in good faith that was not applied to my account a week ago submitted by certified mail payment was received the following day and payment has not posted I submitted certified mail called to complain about the credits not posting to my acct they stated that the do not honor remittance coupon I was then transfered to a supervisor XXXX who stated that he would help I provided information to him as to what occured he stated that they don't honor remittance advised well submit my credit back if your not honoring advised I would make a complaint if my acct goes in default

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: OK
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$440.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3600.00} XXXX XXXX {$2200.00} XXXX {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Reporting scores as low average which is wrong because all my bills are paid on time which is making me be denied credit consolidation loans. Also loan interest is triple the loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
RE WELLS FARGO ACCT # XXXX On XX/XX/23 a levy was improperly charged to this account from XXXX XXXX firm case # XXXX. By order of the local court, this levy has been REVERSED as of XX/XX/23, as I am exempt from levies up to {$10000.00} according to NV law, and only had {$1000.00} on this account at the time. WELLS FARGO, however, refuses to refund the {$120.00} fee they charged for this improper levy without a written letter so requesting from XXXX XXXX XXXX. They have no right to have charged this fee in the first place for a levy they should never have processed. To make matters worse, WELLS keeps charging me a XXXX XXXX monthly fee because my account is fee free only with an average {$500.00} daily balance, and I can not add money for fear of another levy. I had to spend XXXX minutes on the phone with them just to get the {$10.00} back.

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 2021-02-11
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter regarding a medical debt in the amount of {$1000.00} from a collection agency. This was after I discovered the debt on my credit report. When I contacted the agency to dispute the debt, they informed me that I had three options. Prove the debt was wrong, pay the total amount due, or arrange a payment plan. When I asked for information regarding who the debt was for, I was only provided with name of a generic ambulance company. This ambulance company doesn't seem to exist, or doesn't operate under the name provided, so I asked for additional information and was told they don't provide that information over the phone, nor take requests for such information over the phone. I sent a letter requesting full disclosure of this debt that went unanswered, or acknowledged. I sent a follow up letter formally disputing the debt and it too went unanswered, or even acknowledged. 
Every attempt to address this situation ends with the same result. They demand payment without providing me the opportunity to properly assess this debt, or dispute its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Louisiana Recovery Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$510.00}. 

I have not signed any contract with Louisiana Recovery Services for any services at all.

Nevertheless, Louisiana Recovery Services should NOT be in receipt of my medical information. This is a violation of my HIPPA rights & subtitle D of the ARRA, SEC. 13401. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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