BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Wells Fargo ( XXXX XXXX ) Acct. # XXXX On XX/XX/XXXX, I made a payment of {$300.00}, for the month of XXXX. Mid-month I received an email saying that on XX/XX/XXXX my payment was due. I immediately called Wells Fargo to ask why was I getting an email saying that a payment was due, when I had already paid XXXX 's payment ( See statement ). They said that when I paid the payment on XX/XX/XXXX, that was still during the XXXX statement period, therefore it was applied to XXXX 's payment, not XXXX. A total of {$560.00} for a minimum payment of {$250.00}. The Wells Fargo rep said that she, as a one time courtesy apply that payment to XXXX 's payment. I thought my trouble was fixed. 

According to the XXXX statement, ( See Statement ) no payment was made and there was now according to them a {$510.00} payment due ( that's 2 payments @ {$250.00} XXXX. So the promised, one time courtesy, was never honored. 

Then without my permission or knowledge {$510.00} was debited from my account, but returned, because there wasn't enough money to cover the unexpected, incorrect debit. My bank charged me {$34.00} NFS/return fee, and to add insult to injury, Wells Fargo charged me {$27.00} return fee. 

I called Wells Fargo on XX/XX/XXXX and they acknowledged their mistake and credited my account the {$27.00} return fee and they assured me that they would not re-debit my account for the {$510.00}. ( See pdf ) On XX/XX/XXXX they debited me again, and this time, the money to cover my monthly bills was in my account so the {$510.00} went through and posted to their account. I called XXXX, XX/XX/XXXX and today XX/XX/XXXX and feel that I am getting the run around. 

I am a retiree living on a fixed income. {$510.00} is a lot of money for me and I'm afraid my other bills will attempt to be paid and returned due to XXXX, because of their error and their inability to correct the problem in a timely manner. In addition, an automatic payment is due to come out of my account for the month of XXXX for the amount of {$300.00}. Making a the total for this month : {$810.00} for what should be only {$250.00}. 

I would like the {$510.00} returned to my account along with the {$34.00} NSF fee from my personal account. 

I was told this was escalated to an " Executive Case '' Case # XXXX and XXXX XXXX was assigned to the case. Phone number : XXXX ext. 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 monetary relief
Consumer complaint received 2021-05-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XX/XX/2021 I opened a savings account in TD Bank. 
XX/XX/2021 I have sent amount {$20000.00} from my XXXX  checking account with Wire Transfer to my new saving account in TD Bank. 
This amount was returned to me on the same day minus XXXX dollars. 
For translation, I indicated : XXXX XXXX for Wires XXXX. 
Because the bank 's website wrote : " To receive a domestic wire transfer in U.S. dollars, you'll need to provide the sender : This XXXX XXXX number ( a TD routing number that's specific to wire transfers ) Your account number, full name, and address as they appear on your bank account Your bank name and address : TD Bank, XXXX, DE. 
Therefore, I consider it unreasonable and illegal return my wire transfer and hold {$40.00} from me. 
The bank misleads customers, pointing out the wrong information on its website for Wire Transfer. 
I wrote a letter to the bank with a request to return XXXX dollars, illegally received from me, to my account in TD Bank or account in XXXX, from which the translation was made. 
But I received an unreasonable refusal in my legitimate request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
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: Information belongs to someone else

Complaint:
It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$6300.00}

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 non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Request to remove gradient account from my Experian credit report. According to fair credit reporting act, any inaccurate information must be removed from credit report. I have not signed contract electronically from XXXX finance. Also address on contract does not match with the address on my identification.

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 2021-07-09
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I joined XXXX XXXX XXXX XXXX  in XXXX. I was told it was for 2 years with a fee of XXXX $ to cancel, no more no less. So covid 19 comes around, and doctors say the gym isnt a good place to be. So on XX/XX/XXXX I reach and call customer service to cancel. I pay the XXXX $ and the remaining months balance and to the best of my knowledge it cancelled. So I get a collections notice on my XXXX  credit report from XXXX ( XXXX XXXX XXXX XXXX ) saying I owe them XXXX $ starting from charges from XX/XX/XXXX. But I had already cancelled in XXXX of XXXX. I call the XXXX  rep who confirms my email to cancel, but proceeds to tell me that my reason of job loss due to covid is NOT a valid reason to cancel my membership. Why do I need a reason this company sees as valid in order to cancel my membership? Isnt this a free country? And again I paid the XXXX $ Cancel fee and any other balances back in XXXX of XXXX, this was confirmed by the XXXX  rep I spoke to. But again, the XXXX  rep stated my reason is not valid. She then states the only reasons you cancel include things like death, disability or relocation. But not job loss due to covid. This is ridiculous and frivolous!

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 2018-02-15
Company: Credit Karma, LLC
State: NV
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:
Site : Credit Karma Account : XXXX XXXX- XX/XX/2017 There is no balance to view for this. It is marked as a hard inquiry but I have never applied for any type of credit card. I already called XXXX XXXX and spoke with an employee. They didnt have me in their system and recommend that I try to get ahold of somebody at Credit Karma. My credit is being affected by this and I dont know what to do. Please help me out!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit 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:
Used Priceline Visa # XXXX XXXX XXXX XXXX back in XX/XX/2022. Was overcharged on XXXX hotel stay for {$250.00} at XXXX, XXXX XXXX in XX/XX/2022. + Was charged a no show fee from Uber when the driver never showed up, & a {$9.00} monthly fee since then, XX/XX/2022 which is outright FRAUD. I've called Barclay 's Bank, # XXXX and XXXX numerous times ; only to get an offshore rep in the XXXX with total miscommunication and Bad Accent. Can not go through this again, I get nowhere with them. Wrote letters 4X since XX/XX/2022. Just got some response saying these have to be reported within 2 statements or nothing can be done??? Very upset, & overwhelmed by this. Please help.

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 2023-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX, patients of {$490.00} was late 30 days during the XXXX XXXX  pandemic time, I was ill with XXXX was staying home till well, then back to work, by the time I received my check to pay XXXX XXXX XXXX payment, it was 30 days late so the company put it in delinquency with the credit bureau, Ive took care of it as soon as I received my money and now XX/XX/XXXX, my XXXX XXXX XXXX is pay in full so Im asking for the delinquencies to be disputed or removed. As I check back on the statement it show that Ive made XXXX payments in XXXX of XXXX, {$520.00} and XXXX both was credited on XX/XX/XXXX which only XXXX payment of XXXX is supposed to be made, so I believe its an error as well and its not 30 days pass due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: NY
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:
Good Evening, I have a vehicle that i had financed through XXXX XXXX XXXX XXXX. In XX/XX/XXXX Hurricane Sandy had hit and left a devastating impact on my home and finances. In XX/XX/XXXX i lost my income and struggling to pay for my vehicle. At this time I had paid off my vehicle and received a letter from XXXX XXXX stating it was paid in full. XXXX XXXX XXXX XXXX is reporting on my credit report inaccuracies and i would like them removed. Please feel free to contact me at any time. Thank you.

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 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to my local ATM at my bank to make a cash deposit on XX/XX/2018. The ATM was located at XXXX XXXX XXXX. in XXXX Texas at the BBVA Compass bank. The ATM number is XXXX. It was approximately XXXX CST. The deposit was for {$1100.00} in cash. I used my ATM card to deposit to my checking account and the first time it took the whole deposit and then spit back the {$1100.00} in bills but kept the {$65.00}. I assumed it was cause they were not able to be counted the first time and so I attempted to make the deposit of the {$1100.00} immediately thereafter. The ATM machine took a total of {$1100.00} and didn't give me a receipt showing the deposit. I immediately tried to get a statement to see if the deposit went through but just didn't provide a receipt. No deposit was showing on my account. I called the bank numbers and was NOT able to get a live person to let them know what occurred. I did reach out by XXXX and then called and spoke to a representative first thing Monday morning, XX/XX/XXXX. They stated they would begin an investigation. I was given a dispute reference number of XXXX. I never received a response and finally reached back out. They told me they dispute had been closed and they didn't find anything when speaking tot he bank or looking at the ATM machine. I spoke to another representative and asked for them to reopen the case. I was given another dispute reference number of XXXX. I was told at that time that they did in fact find {$65.00} in the ATM machine but didn't let me know about that cause I had made a claim for {$1100.00}. I then filed a complaint with the OCC and they indicated that I should contact the CFPB. I was contacted again today via XXXX by BBVA Compass and they indicated that they have found no evidence of the deposit in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is to inform you that recently received a copy of my credit report that your company publishes and after receiving it i found a number of items on the report that are inaccurate. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. If you do not have documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Please don't respond to my request by saying that these accounts have been verified. 
XXXX XXXX XXXX . Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done. 
I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/XXXX Transunion deducted 80 points on my credit report when I paid on some of my accounts and brought down the balances on these accounts, instead of my score going up they brought it down. while on the same date my XXXX  score went up when I lowered my balances there is 95 point  difference between the two my trans is XXXX and my XXXX is XXXX, I have one negative account that they said is the reason but it has been on there for 12 months

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 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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