BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

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 2018-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This company HAS NOT done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Recovery One, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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: Information belongs to someone else

Complaint:
To whom it may concern, I have tried to communicate effectively with the following credit reporting agencies XXXX, Transunion and XXXX  but was unsuccessful during my attempts XX/XX/2020. XX/XX/2020, XX/XX/2020 and XX/XX/2020. The account listed as XXXX XXXX XXXX XXXX Credit Card is a fraudulent account that has appeared on my account monthly with an increased balance monthly as a closed/ charged off account. The credit agencies have all responded incorrectly.

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 2018-12-10
Company: Interstate Recovery Service, Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX was charged {$490.00} XX/XX/2018 for unpaid magazine subscription she was billed {$1900.00} for unpaid magazines she gave her credit card to Interstate Recovery Service XXXX   XXXX XXXX XXXX XXXX, VA XXXX phone XXXX XXXX XXXX. 
When XXXX contacted the magazine distributors there was no outstanding charges in the amount stated by Interstate recovery. We believe that a fraud has occuredsince interstate recovery has not sent backup information supporting there charges.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-23
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never lived in XXXX XXXX or whatever the company name is. The collection company have no information of me aside my current mailing address, which I provided. 
They never verified the account is mine, nor have my Social security and the account is not mine. They said they need my info to file for the credit bureau but they can't verify it's mine or confirm it. Please tell them to remove it from my report and stop collecting money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have told Transunion that these are not my accounts. These were opened from identity theft. Please delete and block these accounts from my report because they are fraud XXXX XXXX XXXX {$470.00}, XXXX XXXX {$280.00}, and XXXX XXXX {$13000.00}. 
Thanks

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 2020-05-12
Company: CITIBANK, N.A.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX, XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2018-12-10
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am receiving unwanted ads regarding PNC bank for credit cards. I have attempted to have them stop sending me these offers. They want me to provide to their automatic opt out line, my social security number. Why would anyone put one ; s social security number out there on an automatic line. 
They will not allow any other way to remove myself from these offers. 
I can not believe as the government you are allowing PNC to prevent consumers from being removed from their list using alternative methods besides the automatic. 
Like being able to speak to a live person. While every other institution allows one to actually speak to a live person and they do not ask for our social security number. 
I need my name and address to be removed from their list. 
I need you as our government to get involved. 
Before we have another identification crisis on our hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ERC
State: UT
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:
ERC is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on my credit file. I immediately called and paid this debt off. I never received any phone calls or any collection letters or notices about this debt. This violates my 30 day right to dispute and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: OH
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:
Experian is reporting a balance due of {$9000.00} owed to XXXX XXXX. There is no balance due. I have even gotten a letter from XXXX XXXX stating no balance is due. The loan was a lease through XXXX XXXX The car was totaled by a driver who hit me in the real. My GAP insurance covered all the outstanding balances that the insurance did not cover. XXXX  and XXXX have reported on my credit the balance due is XXXX. Paid as agreed. Despite sending that information to Experian they have not hanged how they are reporting this. Its causing a big problem with my attempts to refinance my home. I need some help

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 2018-06-28
Company: Experian Information Solutions 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:
XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # 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 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
Hello, URGENT : XX/XX/XXXX My name is XXXX XXXX I have been trying to get an issue resolve with Capital One since XX/XX/XXXX with no resolution. I have an account that has been removed off my XXXX Report in error due to a dispute. I have call and emailed XXXX and was told that Capital One has to report the account as an open and Valid account. I have called a number of times one day in XX/XX/XXXX, XX/XX/XXXX and multiple times in XX/XX/XXXX. I was disconnected from mangers like 4 times. Of courses they NEVER called me back. I was told in XX/XX/XXXX that it will take up to 60 days to have the accounted corrected with XXXX. Im writing this letter at this point in hopes that I can get a resolution with someone that knows how to do their job. I have lost ALL CONFIDENCE with the Managers that Im immediately transferred to EVERYTIME I call. I would greatly appreciate an email, phone call, or a letter letting me know that the issue is in the process of being resolved. 

Thanks in Advance, XXXX XXXX XXXX XXXX Last four of account number=XXXX Last for of SS # =XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
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:
XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Merchants Credit Bureau, Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
After submitting a request to Validate my account, the company failed to update my Credit reports with the required Status under the comment section. As per FCRA section 623-a-3 -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ]. 

( 3 ) " Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer '' ( B ) " Time of Notivce ( 1 ) THe notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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 purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the morning of Monday, XX/XX/2018, I logged into my Wells Fargo online banking account. I have noticed that my credit card balance seemed to be going up at an almost exponential rate. When I reviewed the online transactions closer, I noticed that every credit card transaction for months had been doubled. For example, monthly storage payments in the amount of {$300.00} were doubled, streaming TV subscriptions for {$29.00} a month were doubled, and store purchases were doubled. I have screen-prints and hard-copy printouts of the transactions ( attached ). 

As of this writing I have not contacted Wells Fargo yet, as these kinds of issues have been going on with Wells Fargo for years ( including switching my personal to a small business account ). I have informed Wells Fargo of past concerns and they have not taken them seriously - routinely diminishing and discrediting concerns. 

At this juncture, I can not trust Wells Fargo to act with transparency and integrity to fix this and other issues. I must wonder if this is the same type of " computer glitch '' that has recently plagued Wells Fargo ( with respect to home loans ). 

I am asking the Federal Reserve and CFPB to take a long, hard look into Wells Fargo and their practices and most certainly a review of their computer coding/formulas is crucial at this point.

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 2018-12-10
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:
SHOWING INACCURATE INFORMATION THAT VIOLATES MY RIGHTS

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 2018-06-28
Company: FORD MOTOR CREDIT CO.
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:
FORD Credit has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/18 XXXX XXXX XXXX IL : I was paying for tickets tonight ( {$220.00} ) from a guy I met on XXXX and it all seemed very legit. I used XXXX through my Wells Fargo bank app. I figured it was completely secure and Wells Fargo could solve anything if a problem arose. The guy was a scam so I immediately contacted Wells Fargo and apparently they could do absolutely nothing. That is crazy that a huge bank institution could advertise a company like XXXX but it not even be secure. It makes me want to switch banks! There needs to be warning signs or they should stop working with them! I hoped my bank could do more to help me because we have been with them for years and do a ton of business with 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 explanation
Consumer complaint received 2018-06-28
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed a CFPB complaint ( XXXX ) against Equifax for its refusal to provide information about a significant drop in my credit score preventing me from borrowing. I included a plot ( attached ) of my scores for the months in question, requesting Equifax to provide me with complete records including any derogatory information it had entered onto my credit file to make this happen. 

In its confusing short " form '' response a month later on XX/XX/XXXX, Equifax directs me to their website and also states it has sent me a letter in the mail on XX/XX/XXXX, three weeks before its online response. I did not receive any letters. Equifax should have sent its letter with its online response to CFPB. 

I am filing this complaint to again request Equifax to seriously and completely investigate my complaint, provide a list of all inputs to my credit file that made my credit score drop hugely, and mail its findings NOT to me but to CFPB so both CFPB and I can review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The entire debt was settled back in XXXX of 2018 over the phone. They will not stop calling me and sending mail to my home. THIS NEEDS TO STOP NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a XXXX XXXX XXXX Store Credit Card account XXXX XXXX XXXX XXXX signed up originally in XX/XX/XXXX. There was a Store nearby that recently shut down hence we almost stopped going to any XXXX XXXX XXXX. But surprisingly, I started receiving {$24.00} bills every month stating " XXXX   credit report charge '' which initially I did not understand what was happening so I called XXXX XXXX XXXX XXXX XXXX number and said the charges are not authorized by me. They filed a dispute and I received a letter on XX/XX/XXXX asking me to wait for decision and the fraudulent activity happening to my account. They said they closed the account and asked me to sign a document to start investigation ( which I sent the next day ) ; telephone number in the XXXX XXXX letter dated XX/XX/XXXX was XXXX. On the same day I received a letter stating closure of XXXX account # XXXX dated XX/XX/XXXX. To my surprise there was another Bill posted  with transaction date XX/XX/XXXX that came from XXXX XXXX/XXXX XXXX XXXX  for an amount of {$25.00} even after closing the card. Most interestingly, the account has a number XXXX XXXX XXXX XXXX ( completely unknown to me ). Upon calling the Telephone number listed in the XXXX XXXX XXXX statement XXXX I was told someone opened this new account for me and transferred the old XXXX balance of {$24.00} and added some fees to make a total of {$25.00} and I got to pay this amount by XX/XX/XXXX. Upon telling one XXXX XXXX that it is NOT my account she said OK I will waive the charges and request for closing this account. I seriously think there is some identity theft and fraudulent activity happening with this XXXX XXXX. Please take some action to find out and solve the problem.

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