BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, IA
XXXX   HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF $XXXX. THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
cra violation items not mine lower my score in results i could not get what really i deserved in rates scores and other stuff please look at this inquires are not mine XXXX XXXX is not mine XXXX breach has cost me big time and they wont let me look at my credit XXXX XXXX XXXX/CHARGEOFFOther {$76.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$76.00} Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Utility company Responsibility Individual Credit Limit {$0.00} Highest Balance {$0.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$76.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX inquires not mine XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Added an offer to my American Express card that offered {$25.00} statement credit if card was used to procure a new XXXX 's XXXX membership. On XX/XX/2021, new membership subscription was acquired and charged {$45.00} to my American Express card. To date, the credit has not been posted to my American Express card, despite multiple attempts to rectify this with American Express customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: IL
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:
My identity and information has been compromised and used without my authorization and consent. It has been over 30 days and I have not received accurate updated investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: FL
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 contacted XXXX, Experian, and XXXX concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of 3 items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, Experian, and XXXX are in violation of my rights under this law.

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 2022-08-13
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 non-monetary relief
Consumer complaint received 2022-01-10
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft, me and my son revised my credit and there are things that are not mine please help me delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: AZ
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 previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types. 
2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data. 
3. the name and job title and contact information of the individuals you contacted at the data furnisher. 
4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute. 

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted by someone from a XXXX XXXX trying to collect on a loan. When I asked for more information, they threatened to call my work. Later, I ended up seeing a {$200.00} amount on my credit report from a payday lender. This lender was not authorized to make loans in my state and I did not make the loan. I am unable to get validation for the loan or debt. This is n't even someone who does business legally in my state. 

Collection is showing as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Calls to the company get directed to a person/line that is never answered once the receptionist answers. One letter sent 45 days ago was unresponded to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
File dispute XX/XX/XXXX with TransUnion nothing had been done called TransUnion on XX/XX/XXXX to fix the problem they sent me someone else 's complete financial information through the mail and still have not fixed the problem I am XXXX XXXX XXXX they are giving me financial information and scores for 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 2022-01-10
Company: COMMERCE BANK
State: IL
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:
I contacted Commerce Bank via online message in late XXXX, XXXX, about an issue with a purchase on my Commerce Bank credit card. However, I have not received any response from Commerce Bank and I also can not find any way to directly initiate a dispute myself using their online portal. The transaction is from XX/XX/XXXX by XXXX for {$240.00}. I have returned this purchase but have been unable to get a refund from the merchant as of today, XX/XX/XXXX. The purchase was returned via XXXX, tracking number is XXXX. Please help me dispute this charge on my Commerce Bank credit card ending XXXX and issue a credit of {$240.00} on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by XXXX who has since stated that the debt was fraudulent and have removed me out of their system. now i need deville asset to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions 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:
XX/XX/XXXXApplied for a Pre Paid card with bank. 
I was approved. 
Consistently paid bill on time. 
reached out to back to change my due date. Date was changed. 



Bank charged late fee in error. Refused to adjust fees in XXXX. 
Acct was then closed. 
I paid my charges. 
Scores dropped while disputing charges. 
XXXX received a letter for XXXX stating a error has been made on their end. 
acct balance is XXXX. 
XXXX refused to report to credit bureau findings. 
XX/XX/XXXX, attempted to re-apply for a pre-paid credit card and was denied.

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 2017-09-13
Company: DISCOVER BANK
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
For over XXXX XXXX XXXX XXXX years I have been in a fight with Discover Card over over charges, money transfered ut on my cards to atheir fake accounts. When I called them it was always computer error or Hackers! And now I owe OVER {$40000.00} to XXXX, XXXX and XXXX XXXX and I do not know how many other cards that Discover set up using my name, Address, SS # phone # for money that Discover took from them in my Name! 
And now they are taking me to court because I refused to pay for their computer errors and hackers! 

This XXXX started after I put in a claim for payment protection plan due to me being coming a XXXX  Veteran in XXXX of XXXX! The NY XXXX XXXX in XXXX of XXXX ruled that Discover to stop charging ALL their card holders for the Payment Protection plan and to stop setting up fake accounts that they are still doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Convergent Resources, Inc.
State: IN
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:
After noticing a debt on my credit report I sent a letter of validation certified mail on XX/XX/XXXX ( asking for 30 day response ) to XXXX XXXX  and the credit agencies XXXX, XXXX and XXXX for validation. In return I was sent from the credit agencies that the debt was validated ( but provided no proof ) and XXXX sent a bill which is not validation XX/XX/XXXX. I sent a certified letter to XXXX XX/XX/XXXX asking for proof that they validated this debt and again no proof was provided also sending one to XXXX again.XXXX continued to report on my credit report this debt without any validation that I am the person who owes this debt and has since starting sending collection bills still with no actual validation of this debt, no contracts, no transaction history nothing. My certified letter asked for a 15 day response ( sent XX/XX/XXXX ) of validation or for this to be removed from my report and neither has been provided. XXXX and the credit agencies continue to report this debt.

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 2019-05-13
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/2018 and have had issues with Shellpoint since. They paid my towns taxes 3 months late to start and had issues locating the check once it was supposedly paid. Most recently we refinanced with another financial institution and when issued our escrow refund, we were shorted {$100.00}. When questioned where my {$100.00} was, no one could tell me. 3 weeks later and they still can not figure out why the money was taken from my escrow. I also received a certified letter in the mail this weekend which was supposed to include my payment history, instead it included a different person 's entire loan summary. This is a huge privacy violation and I am also concerned that my information was sent to someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
I am a victim of Identity theft, me and my son revised my credit and there are things that are not mine please help me delete them

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
On two separate dates within the last 90 days, I was overcharged by the company XXXX XXXX XXXX on my Capital One Credit card for laundry machine services I used from that company. The first two overcharges occurred on XX/XX/XXXX. On XX/XX/XXXX I purchased and received services for {$15.00} but there were two extra charges of {$2.00} made to my credit card on the same day from machines which were " out of order '' and I did not receive services for. I contacted the company to request a refund but never got a response from them. On XX/XX/XXXX, I purchased and received services for {$18.00} but there were four extra charges of {$2.00} made to my credit card from machines which were " out of order '' and I did not receive services for. Once again, I contacted the company to request a refund but never got a response from them. 

The total amount of overcharges I received from the company XXXX XXXX XXXX on my Capital One credit card is {$15.00} and since the company has refused to refund my money, I am requesting that Capital One please remove the charges because I am being charged for services I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10
Company: SUNTRUST BANKS, INC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXX University - XXXX Campus ( XXXX XXXX XXXX. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.

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 2022-07-05
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, Equifax, XXXX, and XXXX are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On a day XXXX  2021 I was sitting outside drinking wine when XXXX XXXX  from XXXX XXXX came to my home to harass me to sign up for XXXX internet. I told them I already had XXXX. They began giving me compliments as a way to get me to sign up for XXXX. I agreed to have the technician come to my home to set up the internet. That same week the technician came to my home but told me he could not set up any equipment or internet at my home because the box in the neighborhood was locked. I called XXXX and told them there technician was unable to connect my internet and I was going to stay with XXXX. However, they continued to charge me for a service they never provided. They called me and harassed me many times and I told them over and over again that I am not a customer and I have never had any services from them installed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation