BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is refusing to accept my documentation of proof of identification I sent on XX/XX/2021. I have many communication with Equifax over pass year. Now Equifax want to send to send me a letter. After I have place a dispute requesting Proof of Bankruptcy not from a third party, because the bankruptcy courts informed me that they do not actual report to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: AR
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: Didn't receive services that were advertised

Complaint:
EVER SINCE XXXX DATA BREACH I AM UNABLE TO USE XXXX MONITORING THAT I PAID FOR I HAVE BEEN A MEMEBER FROR YEARS..ALSO, ARE A MEMBER FOR THE EXPERIAN ID XXXX XXXX WHERE I CAN NOT FILE DISPUTE ONLINE. LASTLY XXXX FAILS TO HAND SHAKE WITH ALL BUREAUS SEE ATTACHED.

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 2023-07-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was supposed to receive money from Wells Fargo per their settlement

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 2022-01-26
Company: EQUIFAX, INC.
State: IN
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 or about XX/XX/2021, consumer sent letter to Equifax followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have received many calls from XXXX XXXX / XXXX that are rude and threatening. I either speak with them or they leave voicemails. I have asked them each time to not contact me at my employment due to these calls not being allowed and possible dismissal if they continue is policy. They totally disregarded what I've aked them and continue to call. Today XX/XX/2019 at XXXX I received a voicemail from XXXX XXXX and then he immediately called my called my company 's office phone that I answered. I told him that I have asked them several times to not call my work cell or office phone and he said he wanted my HR department 's number immediately. I told him our HR department is not on site and he angrily said then give me the HR number to call concerning you. I politely asked him again to not contact my work ( bosses in office ) and hung up. I'm not sure what more I can do but I need my job and need them to stop calling my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX I sent Transunion a letter via USPS signature mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX ( XXXX ) in the file they maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report, since they could not substantiate the account being reported. Now, 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report without my knowledge. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification.

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 2023-04-12
Company: Allied Collection Services, Inc. (Nevada)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied collections has brought collections towards me Ive been disputing it more months now it has something to do with a rental car that I never rented from ace rental car company Ive never rented a car through ace I dispute it and they deny it leaving it on my report also convergent has done the same thing over a comcast bill that I never had its been disputed but never goes away currently my credit file is locked due to fraudulent activity and possible identity theft I have 2 residences in my name that Ive never lived at my info was on the dark web

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 2021-05-24
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I've sent a certified mail to Consumer Adjustment to validate my debt. I informed the company that there was a 30-day deadline to send a validation mail to the given address in the letter, but no mail was sent after the 30 days. The company stated that I did not send a letter to them. I have in my records the certified receipt of the date that it was mailed to them XXXX XX/XX/2021 ), and the date and time that Consumer Adjustment got the mail delivered XXXX XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
1. XXXX XXXX XXXX ; re : Capital One card calls me on average 3-5 times daily 7 days a week beginning at about XXXX XXXX up until about XXXX XXXX  at night. 

I've been able to use a call blocker on my cell phone to minimize those calls. 

2. Today XX/XX/2019 @ XXXX XXXX after trying to reach me, they called my wife on her cell phone. They asked for me, and told her they were a debt collector, though they did not say for whom, nor did they identify who they were. 

I have requested verbally to them that they stop calling me. They still call, except now they are calling my wife as well. 

I owe Cap One some amount of money, though we disagree on the exact amount. I don't deny that. But when I had the card I was running a viable, profitable business. That business died on the vine, and my wife and me are left with only {$1600.00} per month social security to live on. I am XXXX years old, and not a lot of companies are interested in hiring me to go to work, so, I frankly do not have the extra money to pay this debt right now. But at some point I will, and when I do, I will pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$0.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6300.00}, {$1800.00}, {$450.00}, {$6300.00}, {$5900.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNT 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

15. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

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 2021-05-04
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have sent multiple letters to all 3 credit bureaus regarding this INACCURATE information on my report. The company that they all told me that verified the bankruptcy sent me a letter stating that it is inaccurate and I even went to the court house to get a letter and it also states that they have no information. XXXX  is lying and violating my rights as a consumer.

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 2021-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a private loan through Wells Fargo during my last year of college in 2009. Both my parents had been laid off during the recession and were unable to contribute to my education. I just wanted to finish school. I have been making payments on this loan consistently since then but have barely made a dent in paying off the loan because of the lender 's online banking practices. 

When I took out the loan I opted to make online payments. However, the online option for payment through Wells Fargo does not allow borrowers to pay above the minimum on a loan unless they intend to pay off a loan in full. 

Once I accidentally paid my bill two times in one month and was told by a customer representative that Wells Fargo would not allow me to make a payment in XXXX of that year because they do not allow debtors to make more than twelve payments in one year. 

I would like to pay my loans off more quickly and accrue less interest but I am unable to do so as Wells Fargo will not accept a payment above the minimum or an additional payment. This practice is clearly intended to keep individuals like myself in debt for as long as possible.

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 2017-09-16
Company: PMAB,LLC
State: NC
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:
I have addressed these accounts over XXXX years ago and was confirmed by XXXX XXXX with XXXX XXXX that this was handled and reported to all bureaus and it is still pending on my credit. I have documentation that is attached from the XXXX XXXX that states that I owe NOTHING. I have asked all credit bureaus to correct this and asked XXXX XXXX, and XXXX XXXX to report this accurately and still have not gotten this resolved. Would you please address and see that this is removed from my credit on all bureaus? I need help with this Account XXXX These accounts with XXXX XXXX, XXXX XXXX should be removed from my name. The collection company is PMAB , LLC and was informed this was inaccurate as well. 
XXXX XXXX with XXXX XXXX and XXXX her supervisor can be contacted XXXX XXXX XXXX XXXX XXXX Patient Accounting Patient Accounting Team Lead Direct Dial : XXXX XXXXXXXXXXXX Please remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Klarna AB
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I called and chatted with the company 's customer service representatives and they told me that they abide by whatever the merchant says. I purchased from a merchant 's name is XXXX. I purchased two shirts on XX/XX/XXXX they were too small I returned them they've been in their hands since XX/XX/XXXX. The company that I used for the financial transaction tells me they will not refund my money until the seller gives their okay which is 28 days from now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm trying to access my banking information through a stock trading company, XXXX. PNC has made a change that prevents me from linking accounts with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was informed by both a telephone operator and her supervisor the following : XXXX XXXX reported fraudulent account opened XX/XX/18. Account reported to creditor timely as fraud. Disputed validity if XXXX XXXX report that account is open active and no past due amounts. I was told that since they feel their investigation is complete it would now be another 30 days before they could review their error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: PA
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:
equifax, XXXX and XXXX are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX XXXX XXXX XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : XXXX- XXXX XXXX NCAC Operation supervisor XXXX XXXX Vice President and associate General Counsel Equifax-XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX members XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I paid my co-pay and XXXX XXXX Paid the XXXX XXXX {$1100.00}. I resigned from my federal job in XX/XX/XXXX. In XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to Experian and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.

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