BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Numerous past CFPB complaints have been filed pertaining to an issue of overdraft fees charged to accounts I did not authorize as well as a settlement offer made in regard to said fees. I was unable to view reply to a prior complaint and did not receive a response to second complaint made as result thereof. Wells Fargo rep, XXXX, did not address issues in initial reply, he only stated attempts were made to resolve said issues which is not true. Wells Fargo is fully aware of resolution, which is a refund in the amount of {$610.00} in overdraft fees charged to accounts, they have sent me mediation request forms as part of their reply in re, a total of four forms filled out and sent in thus far. Their claims dept denied refund request stating a check was issued prior which I did not receive. I had spoken with an XXXX XXXX in claims, she offered a settlement amount of {$3700.00}. However, no payment was received and she would not put offer in writing which I believe is shady. Additional complaints were then filed, Wells Fargo would not resolve them, their rep XXXX replied stating they made resolution attempts as stated earlier. However, this is not the least bit true as they are aware of resolution and will not comply. My refund request in the amount of {$610.00} reflects prior remedy refunds in the amount of {$50.00}, {$120.00} and {$85.00}. The total fees I show from statements is {$870.00}, I reasonably deducted refund amounts for a total of {$610.00}. Since no settlement check was received, their offer deemed bogus, I am back to demanding refund in this amount. Wells Fargo is fully aware of this resolution and their claims of attempting to resolve are entirely bogus. In closing, please advise Wells Fargo of final resolution, which is refund in the amount of {$610.00}. Failing this, additional complaints will be filed.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I CONTACTED TRANS UNION AND REQUESTED PROOF OF THE ACCOUNT AND THEY HAVE FAILED TO RESPOND OR INVESTIGATE ; THE ACCOUNT IS OVER XXXX XXXX XXXX AND PER NJSA 2A:14-1 THE CREDITOR MUST REMOVE THE ACCOUNT AFTER A 6 YEAR STATUTE OF LIMITATION ; TRANSUNION HAS ALSO FAILED TO PROVIDE PROOF OF THE DELINQUENCY DESPITE SEVERAL ATTEMPTS BY ME. XXXX MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent out a letter multiple letters XX/XX/2022 for transunion to update my account with XXXX XXXX XXXX. Transunion is showing I have a delinquent payment with XXXX XXXX  and I do not they are inaccurate credit reporting and I would like it updated I do not have a late payment. I have tried multiple times with no 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 non-monetary relief
Consumer complaint received 2019-04-18
Company: Halsted Financial Services, LLC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unpaid XXXX XXXX credit card for {$1600.00}. XXXX XXXX # : XXXX. I paid {$22.00} a month but became unable to pay in XX/XX/XXXX. Now debt is with XXXX XXXX/Halstead Financial Serv. My Ref XXXX & XXXX I have a letter stating they will settle for {$1300.00} dated XXXX, XXXX. On XX/XX/XXXX, while with XXXX XXXX, financial counselor at the XXXX XXXX XXXX XXXX, we asked XXXX at XXXX XXXX XXXX to go over offers from the call with XXXX at XXXX XXXX XXXX. He said I refused those offers and they could not offer them again. One offer was to pay {$75.00} down and pay {$30.00} a month. We were not offered this. We discussed what we remembered about the offers such as {$960.00} lump sum. We called back to hear the response to our offer to pay {$1000.00} total by paying {$25.00} a month. We asked him to play the tape of the call with XXXX. He said he would not play if for me but would listen to it himself. When we discussed paying {$1600.00} at {$25.00} a month. XXXX said he couldn't send agreement in writing. When we told him I was on a fixed income, he repeatedly asked/pressured me to provide my debit card number. I told him I would send a money order. He will not provide me with a fair settlement that will pay the debt. I am not able to pay any of the debt and I offered to settle for {$200.00} but they refused. Due to my not being able to pay lump sum I can't get a reduction. I am trying to make a fair arrangement I can live with long term. That wont happen with XXXX. Other creditors have accepted {$10.00} a month and lowered the amount I owe by 1/2. Halsted is also calling several times a day & they call before XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: KS
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 been trying to get them to fix the personal information on my credit report. I have gotten a copy of my credit report and it is showing that I have a bankruptcy on all three of my credit reports, I have asked them to verify this information. Which if they could not very or validate this information. Which this was on XX/XX/2022. 

I got a response back from them saying it had been verified it through the Bankruptcy XXXX XXXX XXXX 

So, I sent a letter to the courts asking if they reported to the Credit Bureaus? They sent me a letter back stating that they do not report to them. Which was on XX/XX/2022 I turned around and sent that letter back to them asking them to remove the inaccurate information at once, that they were breaking the law. Which was XX/XX/2022 I then got a letter back from XXXX stating they had validated it again and would not remove it that they applauded me for trying to fix my credit. That they are here to help me fix it. If that was true, then why are they keep breaking the law? Which I received that letter XXXX XX/XX/2022 Which I still have not got anything from the other two Credit Bureaus XXXX 

Which then again, I sent the letter to show proof to the Credit Bureaus, that they in fact lied about it and that they were breaking the law with the Fair credit act. along with countless others and warned them that I would file a complaint with the CFPB as well contact the FTC to file a complaint. Which they have not removed this from credit report. Which that letter was sent along with the proof from the Courts on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AR
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:
Potentially released my personal information in the data breach from XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Equifax irresponsibly stored and lost my personal information such as my SSN, name, address, etc. Equifax lacked any substantial or modern security within their systems and stored data in an insecure location. My personal information will now circulate throughout sources on the internet for the rest of my life. Equifax has not provided me suitable protection for such a data leak, with only a single year of free fraud alert services. Data like a SSN can never be changed, making a single year of protection almost completely useless. Comprehensive fraud alert services cost at least {$20.00} a month. Going forward, I would have to invest tens of thousands of dollars for simple basic alert protection over the course of my life due to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: The Best Service Co.,Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to XXXX on in XXXX to settle the debt. I agreed to draft {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX and my notes indicate {$68.00} on XX/XX/XXXX. On XX/XX/XXXX {$100.00} was drafted, on XX/XX/XXXX {$100.00} was drafted, and on XX/XX/XXXX {$170.00} was drafted. The original debt was {$360.00}. I agreed that I might of misheard the {$68.00}. I typically keep owed debit payments below {$100.00}. I agree the agreed upon may have been {$160.00}, however I did not agree upon {$170.00}. XXXX denied my claims and the manager denies the claim even though my notes indicate otherwise. 

The statement that the payment over drafted my account was completely inaccurate. My account was never over drafted and I never indicated that it over drafted my account. The reason for submitting my complaint is the false information this company gave and the continued false information they are providing. I verified the amount for the final payment however this company refuses to verify that XXXX confirmed the exact amount that would be pulled from my account. I will keep escalating this matter until they provide proof of this conversation that took place. All I am asking for is to listen to the conversation to confirm what was said.

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 2022-09-03
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
No one contacted me regarding the collections information and it was misleading billing. This is the company listed. I don't know how I didn't find out about this. CREDIT CONTROL SERVICE has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : CREDIT CONTROL SERVICE Address : XXXX XXXX XXXX, XXXX, MA XXXXXXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$52.00} My phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am concerned that I am being targeted due to being a minority and my credit limit has been decreased without notice the second year in a row. I have not missed a payment with Discover and have been keeping my balance at 50 % usage for some time now. I attempted to use my card today and it was declined and when I checked my balance online my card limit has been not only reduced but caused the card to be over the limit. This action is not only unfair because of the harm it can do to the credit score but it was extremely embarrassing not to purchase items otherwise I would have been able to. I spoke with a representative on XX/XX/XXXX19 at XXXX in which I was told the department that would be of assistance opens at XXXX. I called back and spoke to the department that was told could be of assistance at XXXX and they informed be that the credit line was decreased and the notice is still in the mail. Unfortunately, they were not helpful in resolving an ongoing issue that I believe is directed towards minorities. Again, I have not missed a payment since I received the credit card and to be treated in this manner is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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 data was breached with the Equifax hack, I have to place a freeze on my credit score to prevent any credit cards from being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I sent in my background check from FirstAdvantage for XXXX XXXX, I put both of my charges ( XXXX  on XXXX, XXXX XXXX XXXX XXXX ) on my back ground but the only one that came back was my XXXX on XXXX charge was admitted and the background said I did not report my other charge and I did. I need it fixed now please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
On XXXX XXXX, 2017 Equifax had a security breach which provided my social security number and other identifying information to " hackers ''. They never notified me of this breach. I learned of it 6 weeks later by reading the news! Are they kidding me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: MS
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:
THE CREDIT COMPANYS HAVE YET TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME AFTER ASKING FOUR TIMES TO REMOVE THEM MY NEXT STEP IS A COURT ROOM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
On XXXX/XXXX/XXXX I learned of a large breech of security by Equifax. According to their records my personal information was compromised. I believe that they mismanaged the safety and security of my private information and identification ; and failed to quickly and thoroughly notify those who were effected by the security breech. I have placed a fraud alert on my accounts but would like to be able to freeze my accounts without being charged due to the compromise of my information due to Equifax 's incomptence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX of 2021 I noticed a series of micro transactions on my XXXX card ; which was provided to me by my employer ( XXXX  ) for my paycheck to be deposited each pay period. These transactions were in small amounts between {$1.00} and {$6.00} each. There were dozens taken from my card between XX/XX/XXXX and XX/XX/XXXX. the total was approximately {$600.00}. This was an entire paycheck that went missing. 

I notified XXXX  by calling the number on the back of my card and they provided me with a new card and told me they will put a request in to refund me the money. after several weeks of waiting, I was notified that the results of the investigation would not support a refund. When I asked why and what the investigation concluded, they told me that they could not provide that information. I asked why they could not provide this information and they said they don't have that information. When I asked to speak to someone that could provide the results of their investigation, they told me that their investigation team does not speak to anyone and can not provide it to me. After a series of phone calls attempting to reach someone that can help me with the investigation results and a series of being hung up on, one person told me that they could send me the investigation results by mail within 10 days. After 10 days, I received nothing in the mail and called them again. They told me that it was sent and to just wait for it to arrive. It never came and I still have no answers. They did not provide me with a reason for denying me a refund for fraudulent charges on my account, nor did they send me any information. 

I am writing to the CFPB now because I am out of options. I do not know what to do, nor do I have the time to go back and forth with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last 2015, this credit reporting company would comply to the settlement. According to this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I refer to the attached XXXX  Credit report file number XXXX dated XX/XX/XXXX specifically page 41, CHAPTER XXXX  BANKRUPTCY DISMISSED as clouded. See Attachment 01.

As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.

Company response to consumer: Closed with explanation