BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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: Was not notified of investigation status or results

Complaint:
I have reported the information to Equifax and XXXX they are both reporting inaccurate information.I am entitled to fair and 100 % accurate reporting. XXXX is reporting this was included in a bankruptcy snd Equifax is reporting charged off with last activity date of XX/XX/XXXX. I have requested an investigation of this reporting as well as method of validation. This information was submitted on XX/XX/XXXX as of today XX/XX/XXXX I have not received any update or response from these companies. XXXX was not able to verify this Information and has since deleted it from my credit report but the other companies have not. I have called as well as submitted a letter regarding this and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo previously set my accounts for closure in XXXX 2017. Once previous before that, the reason i was given at that time was due to excessive claims. However i never had excessive claims. When i reported this to the consumer financial bureau before i was told that my case was being researched. However it was not being researched. They did n't assist me at all and blocked all incoming deposits. This is my first account, and by filing claims it has nothing to do with being a risk. However, since my accounts were kept open i have filed a total of 16 Claims. After retention. These claims of the 16 only 5 were actually valid, and not mistakes. These were either duplicate purchases, or Fraud charges when i lost my card back in XX/XX/XXXX. 

Not only does this information i am providing uncover more evidence. The rest of the claims were actually canceled as i submitted them by mistake but cancelled them right away and called the claims assistance center the same exact day to tell them i made a mistake. They assured me they were cancelled but told me they would remain on my account. 

Now several months later i call, and am told my accounts will be closed again. ONCE AGAIN DUE TO EXCESSIVE Claims. I spoke to 5 different reps. I advised them i do n't have excessive claims, and was not told of any stipulations i had on my accounts. Well the letter Wells Fargo emailed me about closure says i have been doing security risky behavior. I will attach these letters, i have not done any risky behavior at all. Wells Fargo is my main bank i use it to pay my bills, and rent. They are holding my Money now. I just redeveloped my relationship with them too by becoming a portfolio customer, opening my investment account ( Brokerage ) and following everything i was supposed to do. I have accessed my accounts properly, and have not misused my cards in anyway. 

Well the Rep is telling me now that, the same claims center sent another notification to have my accounts closed again DUE TO EXCESSIVE Claims. MONTHS later. I feel like this is unfair and harassment. They always do this when i actually need my money, and when they know i rely on my direct deposits going into the bank.

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 2021-05-10
Company: Westlake Services, LLC
State: MA
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've been trying to get the West Lake Financial Services to remove all the information they are reporting to XXXX  regarding a wrong information since XX/XX/XXXX without any response. I sent several certified letters to them and have not get any answers. I disputed it thought XXXX  and the answer that i got was that West Lake never provide any info and they cant do anything until West Lake provide that info. 
I am hopeless this will never get fix because the credit department never replay the email and phone calls that I've made. 
This is the company info : West Lake Financial Services Account XXXX Date XXXX StatusOpen. 


They are reporting this to my credit but i dont have an account with them. 
My SS # last four is : XXXX XXXX XX/XX/XXXX. 

Please i need them to take this off my credit report, i am in process of purchase a home and it is making difficult to get approved. 

Thanks, 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 2020-05-08
Company: HW Holding, Inc
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls & voicemails from a debt collection agency, HunterWarfield, XXXX, XXXX, XXXX, since XX/XX/2020, daily, for a debt apparently owed by my daughter, that I have no responsibilities for, e.g. : I have never cosigned a loan for her. I also sent complaint to the Iowa Attorney General a week ago, but at the time I did not know why they were calling me. Earlier this week they left voice mail asking for my daughter. I will not answer their calls or contact them as the research on this company indicates they use bullying, threatening, and scammy techniques.

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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And TransUnion has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by XXXX points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with TransUnion and XXXX enough is a enough.

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 2020-02-07
Company: STATE FARM BANK, FSB
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
State Farm Bank is reporting a balance of 6,000+ to my credit report and its affecting my account. This account was not opened by me. I was a victim of Identity Theft but the company is still reporting this negative balance to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: General Credit Service Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have attempted to contact my partner by phone multiple times and the first time discussed my debt information with her directly without my written permission ( which they require ). They have called her five times over the last 5 months to get payment for my debt, a few of them she missed because she was at work. The number they have been calling, which I submitted, is not my phone number. They have also only sent me a couple letters since they acquired my debt sometime last year before they took legal action against me. I did inform them, months ago, that I would have the money to pay in full when I got my tax return. 
I was not aware that they were not allowed to contact others for my debt until recently. Because of this improper communication/ miscommunication, I feel that their current legal action is unfair regarding the timing. 
I'm attaching a screenshot of the call log/history from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: AL
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:
I have spoken with experian and XXXX both and provided them with my bankruptcy shedules showing that XXXX was NEVER listed and was purposely omitted from my bankruptcy chapter XXXX. The status on the XXXX account should NOT state included in bankruptcy this account is also still currently OPEN it is NOT closed. It is just inactive because its not being used

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 2020-02-07
Company: Americor Funding, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Credit9 Loan represents them self as a LOAN company. When you initiate contact with them they do not identify them self as a credit repair company. They claim to be a LOAN company using this loan to pay off debt. They tell you upfront all calls are recorded. Then they tell you to stop making payments to the companies they are going to pay off. They explain this will take three to four months. That's not a loan. They state this is an unsecured line of credit. However, the only reason they would say stop paying, and this will take three to four months is because what they are doing is negotiating terms with who they will contact on your behalf. they identify all information as a loan company which is extremely misleading. They claim to be a cash Disbursement Department, however if its taking three to four months there is not any cash being disbursed, instead they are trying to work out a payment plan. Their misrepresentation needs to be stopped. I am attaching the information this company misrepresents them self as.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i have a few different cards on my account that were opened and used without my knowledge. they were closed before i even know they were being used, i have no idea who opened them and ive already delt with the problem of identity theft but the companies are not willing to take the cards off of my name or even open them back up and allow me to use them. i would like for those cards to just be taken off my credit report so i can open cards in my name without negative assesment that were unknowingly brought on to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted ERC ( Enhance Recovery Collection ) representing XXXX on 3 separate occasion by certified mail to provide validation of this debt with my actual signature on the documentation and they have not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Account information incorrect

Complaint:
On or about mid XXXX I contacted XXXX who handles two of my Credit Cards. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.

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 2021-04-01
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, Phoenix Financial Service added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Phoenix Financial Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 morning, after noticing two ( 2 ) unauthorized XXXX transfers from my business checking account for an entity that I have no knowledge of, I called Bank of America to file for fraud claim while the transactions were still pending. I was told by the fraud specialist ( after almost 2 hours of wait time ) that I needed to file a claim so that an XXXXnvestigator will handle the case. I joined Bank of America because it claims that business checking account have zero fraud liability. I filed the claim on the same day for two unauthorized XXXX transaction total to {$13000.00}. I waited for 30 days to call back to file out the status today XX/XX/2021 and I was told by a Bank of America specialist that my claimed was denied. Bank of American chose to not honor their policy of protecting its client. As I stated to the fraud team, I have never done business with the entity that received the transfer. I have no knowledge of the entity that received the transfer. To date, I still have not received any documents from Bank of America. It seems that Bank of America refuses to honor their responsibility in this matter. I business have sufferer greatly because Bank of America 's failure to protect my account and refusing to rectify the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought tickets to XXXX XXXX concert on XXXX for XX/XX/XXXX. They literally rescheduled the concert the day before. Now it is going to take place until XX/XX/XXXX. I will not be living in XXXX XXXX by then. 

I sent a message to XXXX to get my refund and they simply stated the event organizer was not authorizing refunds. 

I disputed it with my bank, Navy Federal Credit Union and they too denied it because no refunds at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened an account with the Netspend Corporation on or around XX/XX/XXXX so I could receive the CARES Act payment of {$1200.00}. I am homeless and I use my Mom 's home address and email address. The payment was scheduled and transmitted on XX/XX/XXXX. The Netspend Corporation accepted my deposit in account R/T ( Routing ) Number : XXXX Account Number : XXXX. I made a few purchases and a cash withdrawal. On XX/XX/XXXX the Netspend Corporation locked my account with a balance of {$740.00}. I received an email stating that " There may be a problem with your All-Access account. Please call XXXX before using your card. '' I called the number and copies of my ID and Social Security Card were requested by email or fax, I complied on XX/XX/XXXX via email Reference ID : XXXX. On XX/XX/XXXX I received an email stating that my account was closed. I have called numerous times and have emailed all the requested documentation. This company closed my account at first claiming fraudulent activity, then on XX/XX/XXXX claimed the remaining could not be sent because the IRS is requesting it to hold the funds for its investigation. " at the current moment we can not mail you out a check for the {$740.00} because your funds are currently being reviewed by the IRS. What this means is that we have notified the IRS that your account is closed and they are going to decide if the funds will be sent back to them or issued back to you. Do keep in mind with the events that are going on right now this may take some time for us to receive a response. '' I have included all the emails for your convenience. I now know this company has a history of this type of activity. The IRS has not notified me of an audit and there are no back taxes owed. So the Netspend Corporation is lying about IRS investigation. A complaint was also filed with the FTC. This seems to be a pattern with this company dating back to XXXX. I would appreciate your help in this matter.

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 2021-04-01
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
Last XXXX or XXXX I was browsing through the Offers list for my American Express card and saw an offer for a XXXX music subscription deal where you would get a {$9.00} account credit for a {$9.00} XXXX purchase. I activated the offer and clicked the link. They asked for and required my XXXX account information for the subscription and I made the {$9.00} XXXX purchase. On XX/XX/XXXX my AmEx card was charged {$10.00}, which is the {$9.00} plus tax. I called them on XX/XX/XXXX because the credit had not been made to my account. I disputed the charge because I had not received the account credit as clearly promised in the offer specifications. They denied the dispute. I contacted their customer support service via chat on XX/XX/XXXX and XXXX complaining about the false advertising nature of this offer. They offered to investigate and said that I should check back with them or look for an account credit. It never came. This charge is being disputed be cause it is the sole reason why I signed up for XXXX and I clicked their link and followed the instructions. They are trying to find every excuse to not execute this offer as promised and I am NOT AMUSED! 

I have complained twice to the XXXX XXXX XXXX and they have given the same run around. I am EXTREMELY DISAPPOINTED and shocked at how this company has treated me about an otherwise trivial issue where their advertisement was clearly misleading. The only thing you can buy on XXXX is a monthly service subscription charge!!!!!!

Company response to consumer: Closed with explanation