BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RECENTLY I PAID OFF MY XXXX  XXXX  ACCOUNT THAT WAS ISSUED BY WELLS FARGO FINANCIAL NATIONAL BANK. UPON PAYING MY ENTIRE BALANCE OFF I PULLED MY CREDIT TO MAKE SURE THAT THE PAYMENT WAS REFLECTING CORRECTLY AND I SEE THAT THEY HAD IN THE PAST REPORTED THIS ACCOUNT AS BEING LATE FROM XX/XX/XXXX TO XX/XX/XXXX AND THIS IS 100 % INACCURATE. MY ACCOUNT WAS ENROLLED INTO A DEBT MANAGEMENT COMPANY SO THAT THEY COULD HELP ME MANAGE MY PAYMENTS DUE TO A HEALTH SITUATION THAT I ENDURED BACK IN XXXX EARLY XXXX. THIS COMPANY GOT THEIR PAYMENTS EACH MONTH. UPON CALLING THEM THEY SIMPLY SAY THEIR SYSTEM IS SHOWING THAT I WAS LATE. NO VALIDATE, VERIFIABLE PROOF JUST THEIR WORD. THIS ACCOUNT IS CLOSED WITH XXXX BALANCE, THEY GOT FULL PAYMENT AND YET THEY WANT TO KEEP INACCURATE, NEGATIVE INFORMATION REPORTING AGAINST ME. 

THE FCRA SAYS THAT ALL INFORMATION REPORTED MUST MEET 3 REQUIREMENTS. IT MUST BE ACCURATE, COMPLETE AND VERIFIABLE AND THIS DOES NOT MEET THAT REQUIREMENT. I AM NOW ASKING THAT THE CFPB STEP IN AND INVESTIGATE THIS COMPANY FOR FALSE REPORTING. I AM REQUESTING THAT ALL MENTION AND REFERENCE TO LATE PAYMENTS BE REMOVED FROM THIS ACCOUNT. IT IS NOT CLOSED WITH XXXX BALANCE AND THE LATE PAYMENTS ARE HURTING MY CREDIT RATING AND THEY KNOW THIS. DURING COVID19 I ACTUALLY THINK ENOUGH OF THEM TO PAY THE BALANCE OFF AND THEY DO THIS TO ME. ILLEGAL AND NOT RIGHT. I WILL TAKE THEM TO COURT AND SUE THEM FOR A VIOLATION OF THE FCRA AND IF I WIN THE JUDGEMENT AWARDED IS XXXX PER VIOLATION SO MORE THAN IT WOULD COST THEM TO SIMPLY REMOVE THE INACCURATE INFO.

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 2020-09-20
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never got anything saying i was sued in 2017 and i would have took it to court due to having XXXX. also why wouldnt i get notice before them garnishing all had in checking and savings account. i would have set up payment plan to avoid that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: NC
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 recently obtained a copy of my Equifax Credit Report and notificed that inquires disputed had in fact been deleted confirmation number XXXX and XXXX but today I pull my credit and see where all the inquiries removed have been added back to my credit report and I wasnt provided any notice that they would add back please see attached proof that the inquiries were deleted and have been readied .... in addition a previously disputed collection item with XXXX XXXX XXXX account number XXXX disputed on or around XX/XX/2018 was deleted and communicated to CFPB Under report number XXXX however the account has now been reapplied to my credit report without noticed to me if the item was incorrect and unverifiable then it is also inaccurate and unverifiable now please see attached proof it was previously removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions 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:
There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX Credit Card.

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 2019-05-31
Company: TD BANK US HOLDING COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was used without my permission for an online purchase at XXXX XXXX and XXXX, where I discovered this from reviewing my account activity before I made my monthly payment ; my card is in my possession. The transaction was dated on XX/XX/2019 where I have contacted the merchant and my credit card company. The merchant advised me to contact my financial institution, where my financial institution declined my dispute stating " it appeared to match my account usage, and the ABA and billing information matched ''. When I contacted the merchant on XX/XX/2019, they advised me that there were many fraudulent orders that was placed on their website, and they are trying to work with the victims like myself. I have reason to believe that my dispute was not filed and only merchant representment was submitted. I have asked my financial institution to provide me with DETAILED information as to why my dispute was filed, and not just a simple " it seems to match what you use your card for ''. I need order information, IP addresses from where the order was placed from, shipping info, contact info, and anything else that was used ; I have not received this info. This transaction was for {$110.00}, where I have to work several hours to make this back up. I REFUSE to pay this amount, because according tot the terms, I would accept responsibility for the charge. I need this reconciled immediately, as I do not want this charge to roll over to my next billing cycle and I am charged interest and it is reported back to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-23
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent MPB a certified letter with return receipt on XX/XX/2019 requesting them to remove medical collections that put on my credit reports for all 3 bureaus, and sent them a copy of the HIPAA acknowledgement and consent form showing them that they DO NOT have my consent to disclose my confidential medical information. They signed the certified return receipt on XX/XX/XXXX by XXXX XXXX ( see attached Tracking Receipt. ) They responded to me by letter dated XX/XX/XXXX saying that they contacted there client XXXX XXXX XXXX saying that they would delete the account once it is paid off. They are in clear violation of the HIPAA act. Please have them delete all collections and put them on notice that they DO not have consent to place any collections on any of my 3 credit reports ( XXXX, XXXX, XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2017 i needed a jump start and decided to use Roadside assistance offered by Capitol One as one of my card benefits. I called Capital One and they verified my information, told me yes it was a benefit and transferred me to Master card. Again the agent verified my info and sent me to Roadside assistance. The toll truck arrives and to my surprise tells me i need to pay them because they are an independent contractor. I called Capital one and was told yes i will be reimbursed, so i used my debit card. Next day I called Capital one and for 3 hours i was on the phone with 3 managers. Each of them called Master card and over and over we are transferred to Roadside who confirms that no they have nothing to do with Capital one nor MasterCard. They just get a call and get on the road. After that the managers from Capital one drop the call and disappear. I call again and get another one. same thing. When i called Master card directly, I was told that i need to be connected to them by someone from Capital one. Each time i try, they drop the call after telling me that Master Card is responsible for the reimbursement. 
I 'm out {$70.00} and i need my money back. Also it would be helpful to other consumers if Capital one could stop advertising Roadside assistance as a benefit if it 's not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2018 in the amount of {$1000.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the fair credit reporting act 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 instruction.

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 2019-03-01
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card with Citi Bank that I would use at XXXX. I received by bill in the mail every month and promptly paid with a mailed check. In XX/XX/XXXX, I did not receive a bill and therefore did not notice until I received a telephone call in reference to collecting a bill. The company told me that I had agreed via email to online billing and should have paid the bill on line. I DID NOT agree to online billing, as it has caused me problems with two other companies in the past.

I told the company that if they would mail me a bill, i would pay for all items I had bought, but would not pay late fees or interest because I believe they fraudulently switched me to online billing. I then cancelled the credit card. 
I have since paid for all items bought, but have received two paper bills demanding late fees and interest, which i refuse to pay. 
The last two mornings, I have received two telephone messages demanding that I call them about this account. I will do so today, after filing this complaint

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 2021-01-23
Company: EQUIFAX, INC.
State: NJ
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 had identity theft and a fraudulent hard inquiry on my credit report on XX/XX/2020. XXXX ( XXXX XXXX was the lender involved, and Equifax was the Credit Rating Agency. I have tried multiple times to have the inquiry removed, but it has been extremely difficult to do so. Equifax insists that I must have a deletion letter sent from XXXX to Equifax to have the inquiry removed. However, given I am not a client of XXXX, it is extremely difficult to get in touch with them. For example, almost every XXXX # of XXXX that I call, an automated system asks me for my credit card #, account #, or social security #. The only problem with this is that I have no accounts with XXXX, thus it is extremely difficult to get in touch with them over the phone, making it impossible to have them contact Equifax. Despite this, I was able to reach the correct department at XXXX twice in the last six months. Each time, they assured me that they will reach out to Equifax to have the inquiry removed. I even received two separate confirmation letters in the mail from XXXX that two separate requests to Equifax had been made, one in XXXX and another in XXXX. Still, Equifax insists that they have received nothing and says there is nothing they can do to remove the inquiry. I filed a dispute directly with Equifax in XXXX, and the results of the dispute report, once again, that I must speak with the lender to resolve the issue. 

So it is a Catch 22 for me. I can't have a hard inquiry removed from my credit report unless I ask the lender to contact the Credit Rating Agency. And it is next to impossible to get in touch with the correct department at the lender given I am not a current client. Meanwhile the hard inquiry remains, adversely affecting my credit rating, and I have spent many many hours on the phone over the past 6 months trying to have this issue resolved. 

Attached are two letters I have received from XXXX as well as a result of my Equifax dispute in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by XXXX XXXX XXXX ( XXXX # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XXXX of XX/XX/XXXX from Credence Resource Management, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year XXXX XXXX ). 

Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. 

If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, 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 2019-03-01
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I wrote a check that was presented electronically. On XX/XX/XXXX the same check was then presented as a paper check. I disputed the item on XX/XX/XXXX, but it was rejected. A few days later I called back and was told a manager would call me, but did not receive a call. I waited a few days later and called back in, but was unable to reach anyone. I attempted to resolve through online chat, but was told I'd have to call in. I then tried to call in and another dispute was processed. I asked to speak to a manager who  said it was the wrong dispute. She transferred me to the branch who then processed the exact same dispute which was again rejected. I went into the branch and was assured that it would be resolved, but it has not. I have been assed {$180.00} in overdraft fees and there is still no resolution as of XX/XX/XXXX. I am told to expect a call on XX/XX/XXXX. Total loss is {$220.00} and no one is actually calling back as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-17
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, 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 2017-09-17
Company: Eastern Account Systems of Connecticut, 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 have been more involved on what 's being reported on my credit report. I signed up for XXXX and noticed that there was a collection on my report that I was n't aware was on there. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency in which I currently had service with them. I provided the rep with additional info to search for this account that 's in collections and the rep provided me with an address that I have never resided. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought thing would be resolve but it was still appearing on my credit report. I then disputed online to the collection agency who is reporting me in which after the investigation the results was that the debt was valid. I never lived at this address, never agreed to this fraudulent debt being mine, and never owed any debt to XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
This account still shows on my credit report with an incorrect balance. The collection agency was supposed to have the account deleted from my credit file after paying the settlement amount. It has not and was recently disputed XX/XX/2022 and remained as verified which is incorrect.

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 2017-09-18
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This is my second complaint for Navient regarding student loans. In my previous complaint, I asked for documentation showing that Navient owned my student loans. Navient responded with the attached documents. Their response, however, did not include ANY proof of ownership for the following loans that I am currently paying : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation