BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Wells Fargo atm card was lost and fraud charges incurred. I spoke with Wells Fargo bank and disputed the charges via phone and submitted a letter to them for unauthorized charges. Wells Fargo did not take the matter seriously and said I used my PIN number for the charges and declined my claim. I never used any PIN number nor I know what my PIN number is? 
All fraud charges incurred without PIN numbers nor any signatures on sales receipts. Wells Fargo bank and their claims department is not truthful of their investigation. At this time Wells Fargo has not done anything to reconsider their decision and collect back my funds.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF

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 2021-04-14
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 a person on behalf of Mandarich Law Group , LLP taped a court summons to my door ( see uploaded videos dated XX/XX/XXXX ). On XX/XX/2021, the same company had a letter sent by certified mail without a signature requirement ( see uploaded video dated XX/XX/XXXX ). 

I was improperly served and do not owe the Mandarich Law Group money. Furthermore, any debt owed is being paid to the creditor who initially extended the debt. 

I have proof to payments to creditors that I am willing to share with CFPB upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I attempted to have Kohl 's pay my account in full every month by providing banking information. Either I entered part of the information incorrectly or there was a problem with the transmission. By the time I learned that the account was not on autopay evidently the account had become past due. I pay every credit card I possess in full every month through direct withdrawals. My accounts with Master/Visa/American Express typically have balances totaling $ XXXX each month and they are always paid in full ; the balance in the Kohl 's account that is reported delinquent was a little more than {$200.00}, an amount that is trivial. When I learned what happened, I paid Kohl 's in full but was so annoyed with the way this was handled, I closed the account! Because I made a concerted effort to correct my bank information and pay Kohl 's in full in a timely manner, reporting the account delinquent to the credit bureaus is completely misleading -- it is the only late account on my entire credit report, that has a XXXX-year history. I have called Kohl 's on at least two occasions and asked them to remedy this but they have not. My credit score dropped approximately 100 points because of this issue. Kohl 's needs to do the responsible thing and delete their report to the credit agencies that I paid late. They are acting in a fashion that is reckless and irresponsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
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: Account information incorrect

Complaint:
The Collection Company They committed more than XXXX violation, XXXX XXXX Code Sec XXXX Validation of debts, They didn't provide me with the XXXX things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I XXXX XXXX XXXX Sec XXXX ( a ) and ( b ) and I can keep counting on violations. 

I have never give them a written consent ( XXXX XXXX Sec XXXX ( a ) XXXX ) to furnish anything in my credit report agency, specially a alleged debt that is not mine. 

I have disputed the alleged collection with Experian and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged 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 2019-02-10
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:
I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The XXXX XXXX license of XXXX XXXX XXXX was revoked following an erroneous local civil judgment in XXXX XXXX XXXX County. The Judge who originally entered the order, refused to correct the matter or hear the case. However, the Federal Court decision ( s ) are the highest court rendering a decision. 

The license of XXXX XXXX XXXX was revoked and the employment history and occupation was altered and/or erased ( missing ). XXXX XXXX XXXX has since reapplied for reinstatement of her license on XX/XX/XXXX as a XXXX XXXX but evidence has shown the occupation of XXXX XXXX XXXX as a Licensed XXXX   XXXX  from XXXX and maintained until XXXX as well as a XXXX XXXX license from XXXX with the final expiration date in XXXX but being revoked in XXXX and reapplied for in XXXX. A portion of the proceeds ( one-third ) that paid for the XXXX XXXX reinstatement application came from another XXXX XXXX case where funds were misapplied. 

These documents confirm the occupation of XXXX XXXX XXXX from XXXX. Prior to that XXXX XXXX XXXX was a student  with a work study job at XXXX  XXXX University.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: Credit Karma, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm trying to get my credit report and its saying that my information does not match. I've tried entering old addresses and it's still not matching. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX that gave you the right to collect this debt Account No. XXXX Respectfully Submitted What would

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: EQUIFAX, 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:
From XX/XX/XXXX until XX/XX/XXXX I have acquired XXXX hard inquires on my credit report. I have mailed, called and emailed Equifax several times ask them to remove these hard inquires because I never applied for anything. I have been a victim of the XXXX data breach of Equifax. Equifax is in direct violation of my Fair Credit Act : 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) 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 ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
While there is a section 604 in the Fair Credit Reporting Act ( FCRA ), this section outlines the limitations on when an external entity can pull your credit report and does not cover any subject matter that could help you improve your credit, through a dispute or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Bread Financial 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: Account status incorrect

Complaint:
XXXX agreed in a letter sent due to a previos CFPB complaint to remove the account information and inquiry from my credit bureau for the XXXX XXXX XXXX. The credit inquiry still appears on my XXXX credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion & XXXX  credit reporting has failed to respond to my dispute letter for CMRE which were sent certified mail and signed for.

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 2021-04-14
Company: QuadPay
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I utilized QuadPay to pay for a credit repair service. The credit repair service never returned phone calls and emails. I emailed QuadPay and they agreed to refund my money with 13 days. I am still waiting.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has allowed fraud to continue on my savings and checking accounts. They will not return the money to us. Even after this, they cashed a {$9000.00} check on XX/XX/XXXX to someone posing as my husband. They claim that the {$9000.00} was given by a teller to the person in cash because we had enough to cover the check. However, if we had enough then why did this put us over {$7000.00} in a negative balance. 

The bank manager admitted that there are at leave 7 other people who had money stolen from their accounts. They have done nothing to stop this. Clearly they do not care and are an irresponsible bank. 

These are the previous transactions for which they refuse to reimburse us : On XX/XX/XXXX {$1000.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$1500.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$700.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$600.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$750.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$500.00} was withdrawn from the ATM that was not me or my husband. 

If you bank with Bank of America, I suggest you remove your funds as quickly as possible before they give it away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2019, I called XXXX and requested a {$10000.00} transfer from my XXXX XXXX XXXX XXXX XXXX ( Barclays ). The person I was working with was XXXX, ID XXXX. I asked her to transfer the monies to my checking account in XXXX XXXX, giving her the routing & account number ... Upon completion of the telephonic transaction, I was given reference # XXXX as a confirmation. I was told by XXXX that the monies would be deposited in my bank account no more than 10-15 days. 
On XX/XX/2019, I checked my bank account & called the bank to find out that the transfer had never arrived to my account. I then called the XXXX XXXX XXXX XXXX ( Barclays ) was connected to someone named XXXX who worked in the Back Office. 
I explained the situation regarding the transfer. XXXX said that the money had been transferred to the same account I had given her but to a person named XXXX XXXX. 
Since I did not know an XXXX XXXX and wondered why it was not transferred to my bank account became extremely problematic. XXXX said that it was sent to the same account number, but to a different person. I asked her how this could happen and XXXX said that the person had made an error on the paper work & that it was not sent to my bank as requested. She said that she had never seen someone with the same account number. XXXX opened a case # XXXX and assured me that it would be resolved within a months time. 
Shortly after the last conversation, I received my XXXX XXXX XXXX statement that showed I owed {$10000.00}. The {$100.00} was a service fee. Payment for the {$100.00}. would be due by XX/XX/2019. I called the phone number of the customer service ( XXXX ) and spoke with 2 persons ( XXXX XXXX XXXX ). They were of no help, so I requested a manager who might be familiar with my case. I spoke with XXXX and she assured me that no payments would be necessary until the matter was resolved. My concern was never receiving the monies and how this would possibly affect my credit. XXXX did state that a letter would be forthcoming that would give an explanation that no monies would be required until the issue was resolved. 
A letter dated XX/XX/2019 from Barclays, XXXX XXXX XXXX, XXXX, DE XXXX stated that " a balance transfer in the amount of {$10000.00} to XXXX XXXX was posted to my account on XX/XX/2019 ''. It then mentioned that it would now take 60 days to complete the investigation. 
To my relief, on the back of my statement from XXXX XXXX ( Barclays ), it was written that I have 60 days after the error appear on my statement to notify them in writing. It said you may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

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 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made an account with Bank Of America and I was n't being smart. There was a young women that was on XXXX around 2015 and she was flipping money on XXXX and saying that she could make people rich. And I did n't understand like I know now. But she ask me to send my card to new York and I did. Eventually I received envelopes in the mail about withdrawals from my account. And from there my account closed and did n't know what to do from there. I honestly had no clue that it was just a scam. I want to figure out to fix this cause it 's ruining my life. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Lockhart, Morris & Montgomery Inc.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lockhart Morris & Montgomery , Inc. at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems keeps calling me ( over 10 times now ), leaving me voicemails stating this is an attempt to collect a debt, to call ( XXXX ) XXXX. 
I return the call every time and speak to a different agent. Every agent asks for my phone number which I provide the same one every time. They look it up then inform me they can't find my information in their system, sometimes questioning me if I'm providing the right number. I inform them I keep getting calls & they need to stop disrupting me at my job & residence. The issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer is XXXX XXXX XXXX. I made a scheduled direct payment from my bank account in the amount due, {$790.00}, with a payment date of XXXX/XXXX/XXXX. The payment due date was XX/XX/XXXX. On XX/XX/XXXX, the amount was debited from my checking amount. XXXX XXXX XXXX 's website and telephone system do not reflect this payment and state that my account is past due.

Company response to consumer: Closed with explanation