BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX has several inquiries on XX/XX/23 and XX/XX/23 .. XXXX for same company for duplicate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2017 I withdraw {$200.00} dollars ( XXXX {$20.00} XXXXr bills ) out of a Wells Fargo ATM machine located at XXXX XXXX XXXX. XXXX  of the {$20.00} XXXX bills dispensed by the ATM was mutilated missing about XXXX of the bill. I immediately called Wells Fargo to inform them, but they redirected my to my bank XXXX XXXX XXXX XXXX because they said " I do not have a bank account with Wells Fargo. '' I then called XXXX XXXX and filled a claim with them. After about 2 months of not hearing from XXXXXXXX XXXX, I finally called them and was told that no claim had been filled back when I called in XXXX. A claim was finally filled then, and after waiting 2 additional weeks I finally got a letter from XXXX XXXX stating the following : " We are unable to file a dispute for a torn bill. The dispute process governs the results of the transaction, not the condition of the bills provided. 
We regret that we are unable to assist you with your dispute. If you wish to pursue this matter further, we suggest that you contact the merchant directly. As of the date of this letter, your dispute claim has been closed. '' After reading this letter I called XXXXXXXX XXXX for further explanation and was told that they are not responsible for the condition of the bills or money dispense by other ATMs, including Wells Fargo, and was provided information and website on how to contact the U.S. Department of Treasury for a bill exchange, and/or was told that I could try to discuss the matter further with Wells Fargo. I then called Wells Fargo and was told by 3 different individuals that they are not responsible for the condition of the bills/money they dispense because the ATMs are serviced by third party companies who have their own procedures, and that they could not file a claim for my complaint because I am not a XXXX XXXX costumer. I was again provided information on how to request a bill exchange with the U.S. Department of Treasury if I so desired. 

I would really appreciate your assistance in trying to understand, how is it that banks are not directly responsible for the quality of the money/bills that they dispense out of the ATMs? Why does Wells Fargo charge me a transaction fee if they are not going be responsible for malfunctioning of the ATMs? I would really hope this is not true or else what assurance do we customers have that we will be properly refunded if the money dispensed is not in an acceptable condition or there are any other problems during a transaction. 

Thank you in advance! 

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 2020-10-26
Company: EQUIFAX, INC.
State: LA
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:
ONGOING ISSUE YET TO BE FIXED ALL YEAR!!! XXXX # XXXX On XX/XX/20, I submitted a complaint to XXXX and EQUIFAX, that my XXXX account ending in # XXXX not showing on my Equifax credit report. I have been trying to fix this issue all year long. Equifax blaming XXXX, XXXX blaming Equifax. This issue has been going on since XXXX! 

On XX/XX/20, I called XXXX to follow up on this issue for the 100th time this year, a representative told me my XXXX account ending in # XXXX will be reporting to my Equifax credit report within 3-5 business days. -THIS NEVER HAPPENED! 

On XX/XX/20, XXXX XXXX responded to my CFPB complaint and stated he see 's the issue and the account will be updated on my credit report within 30 days. -AGAIN, for the XXXX month, THIS NEVER HAPPENED. 

I've also received letters from XXXX representatives XXXX ( XX/XX/20 ) and XXXX ( XX/XX/20 ), stating that the issue is fixed and should be back reporting to my Equifax file. 

I need a STRONG XXXX manager and Equifax manager to contact each other and finally fix this issue!!! I'm tired of being told it will be reported in 30-60 days, everytime I call XXXX or Equifax, it's the same story. FIX THIS ISSUE NOW! Do not respond to this complaint until a manager from XXXX and Equifax has spoken and 100 % fixed this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing this complaint because my financial reputation is being ruined by false and misleading information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-11-19
Company: Credit Karma, LLC
State: MA
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:
In XXXX of 2019 I decided to open an account with Credit Karma online to find out my fico score only to find out that there was already an account opened in my name and my social sscurity number. OMG, I panicked because that was not me that opened it . Credit Karma gave me a real hard time because they didnt believe in me, had to show them many multiple times to prove myself. I suggested to Credit Karma that they should of done that to the scumbag who illegally ooened an account in my name than this would never of happened. They finally realized I was the real XXXX  XXXX  then they closed out the other account. Thank you lord but now this scumbag saw all my personal information, credit card numbers etc. I sent many emails to Credit Karma and they finally said they couldn't help me any further!
I want this scumbag to be arrested. This person set up a phony email address 
Which I looked up & it was a temporary email address. Credit Karma needs stricter regulations on people opening up accounts with them. 
Since this happened 2 times my bank closed my account for multiple failed login attempts which I associate with this scam artist. This has caused me alot of grief & headaches. I asked them for information on this scumbag & an address, they must have something on thus scumbag but told me they couldnt give out any information other than closing that account.
I contacted XXXX  to have a watch on my credit & if anyone tries to open any charges that I will be notified first,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: National Enterprise Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received correspondence from XXXX XXXX XXXX only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name.  This account was a result of identity theft and I have never owned a XXXX  XXXX XXXX Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection

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 2022-04-30
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:
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

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 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America credit card offer.   In my case, BOA charged me a $XXXX "minimum interest fee" when none should have been charged.  I have paid the amount due, in full, on my XXXX and XXXX statements.  My XXXX XXXX statement said I had a balance due of $XXXX, due XXXX XXXX.  I paid the amount due, in full, on XXXX XXXX.  During XXXX I charged nothing on my BOA card, but did make use of a 0% interest balance transfer offer, that had a 4% fee associated with it.  That balance transfer cleared my account on XXXX XXXX and the 4% transfer fee was posted on the same day.  My XXXX statement said a minimum payment of $XXXX was due on XXXX XXXX.  I paid $XXXX on XXXX XXXX.  My XXXXXXXX XXXX  statement has a $XXXX "Minimum Interest Charge".  HOW in the world can BOA charge me any interest when the only money owed them is from a 0% interest balance transfer that a paid a 4% fee to do?  Completely inappropriate.  I called BOA today and they said they reversed the $XXXX.  However, I write you because what if BOA has done this to perhaps a million other customers that took them up on the balance transfer offer?   It's not really the the $XXXX that causes me to write you, but rather the principle that I paid  4% fee to get zero interest - and then they charged me interest.

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 2022-04-30
Company: Affirm Holdings, Inc
State: AL
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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX XXXX XXXX ) Affirm XXXX ) XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with TransUnion on XX/XX/19. XXXX received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2021-10-22
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this collection agency is o my credit reports several times for the same thing. ive never done business with this company, never even heard of them till they started contacting me, and they don t use their name when they contact me, but o my credit reports its shows XXXX XXXX  and jefferson capital and jeffcapsystms for XXXX and for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I just started an account with XXXX, an app-based brokerage firm. When I attempted to add money to my XXXX  account using my bank, PNC, I was informed by XXXX that 'PNC has made changes that prevent account linkage '. From there, I was prompted by the XXXX support team to file a complaint with the CFPB. PNC is effectively preventing me from engaging in trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by ERC to collect a debt for XXXX. I notified them that the amount that they were collecting was not what I owed. I agreed to pay a reduced amount so that this would not go on my credit report. Not only did they put it on my XXXX report after I paid, they are reporting that I owe a large amount of money. I have sent multiple certified letters to ERC concerning the information that they are reporting and I have documentation of each letter. I have asked them to verify the information that they are reporting and they have never responded. I know that they do not have the ability to verify the information because it is incorrect. Under the law I have the right to request verification for information being reported and I have not received anything from them within the specified time limits. Therefore, they are required by law to remove the information. I would like for this company to no longer contact me and to remove any and all false information from my XXXX  report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management is trying to collect money that I never owed them. I had a credit card with XXXX XXXX XXXX-original acct # ( XXXX XXXX -There # XXXX acct was charged off to a XXXX balance by XXXX XXXXXXXX XXXX XXXX XXXX I cant owe a balance that no longer exists to the company that extended me that credit. I should not have this debt on my credit report. I never had credit with this company and XXXX XXXX XXXX should be released from my report after no more than 7 years-This is like double jeopardy. Being held accountable for the same debt twice. Please get this removed, I dont even know who this management company is. I never owed them money/ I never borrowed money from this XXXX XXXX. 

Please get this company removed from my credit report. I dont owe them money, I never did! 

Thank you in advance for your immediate attention pertaining to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 XXXX, XXXX and Experian. I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 30 days and I have not received any investigation results. XXXX {$6600.00} XXXX XXXX Auto loan {$9600.00} XXXX Credit Card {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$150.00} XXXX ( XXXX XXXX  XXXX ) {$110.00} XXXX ( XXXX XXXX XXXX ) {$30.00} XXXX ( XXXX XXXX XXXX ) {$38.00} XXXX XXXX {$15000.00}

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 2018-08-19
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX  XXXX. During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. XXXX XXXX XXXX purchased the account from XXXX after bankruptcy was filed. XXXX  claims loan was reaffirmed, it was not. XXXX keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " XXXX ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted XXXX on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. XXXX said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that XXXX XXXX XXXX, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.

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 2018-02-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened my account with synchrony bank for a tjx rewards card in XXXX. This account offers rewards for purchases. I have used my card for purchases which most times I immediately pay off resulting in no finance charges, only rewards. A few months after opening the account I received a letter my credit limit has been reduced to {$100.00} due to negative history on my credit report. Went in the store today XX/XX/XXXX and card was declined. Logged on to my account to see I had an amount of XXXX available. I called the company who read me a letter stating my account had been closed onXX/XX/XXXX due to negative information on my XXXX XXXX report. This will negatively impact my credit score. This company is fraudulent. I have to think they closed the account due to the fact I was incurring no interest charges but earning rewards. My credit limit should have never been reduced nor my account closed.

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 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Company keeps reporting incorrect account balance, also payment history stating missed payments when special payment terms were agreed to and accepted by creditor

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