BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I held a checking account with Wells Fargo during XXXXXXXX XXXX XXXXXXXX. I authorized a single payment to a merchant via my debit card. However, the merchant charged my card several times ( the same amount, minutes apart ) due to an error in the merchant 's system. The single authorized charge was about {$50.00} and the merchant made 12 transaction attempts that actually were processed, but it wasn't indicated on their part. I didn't realize the error charges until a day or two later. I called the merchant immediately and they refused to reimburse me. I even spoke with the owner who resisted despite the obvious error on their part. I was only left with one option which was contacting Wells Fargo and submitting a claim to reverse the charges. I thought it was an obvious fix, but Wells Fargo did not find reverse the charges. The recommendation was to resolve this with the merchant so the charges could be refunded. I shared my attempt to resolve this with the merchant to no avail. I even visited the bank in person and was told the same thing. They could not reverse the charges and contact the merchant for a refund. 

I had several ongoing issues such as illegitimate overdraft fees and random inexplicable charges from Wells Fargo on my account during that time. I attached a few of the emails from that time frame.

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 2018-04-04
Company: Experian Information Solutions Inc.
State: MS
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:
Unauthorized Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-04-03
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: Information belongs to someone else

Complaint:
There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX - Acct # XXXXAmt {$7400.00} XXXX - Acct # XXXXAmt {$2500.00} XXXX XXXX XXXX - Acct # XXXXAmt {$810.00}

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 2023-03-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$70.00} XXXX XXXX XXXX Originalcreditor XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired onXXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired onXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: OH
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:
Account furnished by XXXX. XXXX and XXXX is a result of fraud and improper reporting. 
I have disputed this account through the proper channels without reply or appropriate results in the legal amount of time provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed 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 explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: MO
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:
Greetings, I submitted a request for investigation to Equifax regarding a collection that is not able to be validated by the collection agency XXXX , XXXX. in the amount of {$460.00}. 

Under Confirmation # XXXX on XX/XX/2019 the following response was provided : XXXX , XXXX Account # XXXX >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Equifax did not provide any supporting documentation that shows the debt is valid. XXXX , XXXX. has been unable to validate the debt and because of their inability to validate, the other credit bureau ( s ) have been unable to validate the debt with XXXX , XXXX and have since removed the non-validated collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Wednesday XX/XX/XXXX at approximately XXXX hours I called Fox collections to inquire about the date my dispute was entered. The agency in particular, office manager, XXXX XXXX, refused to provide that information, when I was willing to provided the appropriate information in particular the account number and or reference number for him. 

According to the CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. 


If you choose not to verify your identity by providing the requested information, for example, your Social Security number, the debt collector generally will ask you for another form of identification. That could be an account number for the debt in question ( if you know it ), other contact information, such as your current or previous address, your phone number, or one or more of your most recent transactions with amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase ( JP Morgan ) is closing my checking account because XXXX XXXX is claiming unemployment from with my account information. Unemployment contacted my bank targeting my account as a red flag. I have never collected unemployment in my life I don't know an XXXX XXXX. a few months back I had to change all of information email passwords because there was fraud on my bank account I got anew debit card and haven't had and issue until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: PINNACLE RECOVERY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Heroes Act section ( XXXX ) Suspends negative consumer credit reporting during the XXXX pandemic plus an additional 120 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid my debt in full with the creditors and they will not update my credit report. Ive contacted and submitted a dispute to Experian, XXXX and XXXX  and they stated they received my dispute and it was updated to the favor or the creditor. 

All three agencies sent me generic letters stating the findings remain the same. I have receipts for paid accounts and they will not update my account to paid in full.

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 2021-02-03
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  ( DBAMr Cooper ) is not responsive to basic questions. Their messaging system does not permit copying,, so the only way to document the correspondence is using a screen print. I requested copies of correspondence from them, but like other questions asked, they respond with a message that says they will contact me, but never do. I am waiting for an explanation as to why they would not process my payoff check. I ended up issuing a stop payment and paid the balance off in smaller amounts to bypass their certified check requirement. I am also waiting to see if they will process my tax payment or return my escrow balance. I also asked them to rescind the letter they send me informing me that they will be assessing an insurance premium. See attached documentation for dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: PLS GROUP, INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On the date of XX/XX/2019 at XXXX XXXX at PLS Check Check Cashers located at XXXX XXXX XXXX. XXXX TX XXXX XXXX purchased a {$110.00} money order receipt # XXXX, a postage stamp, and an envelope for the price of {$110.00}. I paid CSR XXXX the cashier with two {$100.00} bills. I was given {$02.00} change which was handed to her from a cashier to her right and when I asked where my other {$80.00} change she stated that I had only given her {$120.00} and I protested that claim and was told that they would count the cashier drawer to her left and it was an even balance and the the cash drawer in front of me and the cashier at the window where I was waited on was never counted. They then phoned the District Manager to view the camera of the transaction and there was no answer. The District Manager supposedly returned the call and viewed the camera and stated that I paid {$120.00}. I am a XXXX year old XXXX XXXX and live on a fixed monthly income of SSDI check. I however am aware of how much money use to pay for any service as I have full control of my faculties. I believe I was taken advantage of and deserve fair treatment. I have no problem with my information being used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04
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: Personal information incorrect

Complaint:
Experian refuses to delete inaccurate address from my credit report. Accordingly to 15 U.S. Code 1681 that is a violation of my right! I never lived on that address, I already informed to them more than once

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 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to XXXX and XXXX detailed of all those fraudulent information. These two companies and Capital One and other included did not want to remove fraudulent movements. 

I need your help to ask XXXX, XXXX and all companies that included in my credit report and reported to XXXX and XXXX to remove al fraudulent records in my account. They are affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXX  Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX 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 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a notarized Affidavit to TransUnion via certified mail and have not been notified that a investigation has been started and or is in process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
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:
I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates I have been a victim of Fraud and per FCRA Experian should be reporting my information accurate : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.

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 2022-10-04
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2022 my lawyer sent a chek for me to send to Sear Citibank for payment. Sent the check XX/XX/2022 called Sears citibank in XXXX to see why the funds had not been applied to my account. I was told there was never a check sent, then the check could not be located. Called again in XX/XX/2022 to have an investigation opened sent check info requested never heard from the bank. In XXXX I called the bank said just let the check expire and have it reissued. 
It is now XXXX 2022 called Sears Citibank to inquire I was first denied access to fraud department by XXXX XXXX customer service agent then she let me wait on hold for about XXXX mins then said I can't hear u and hung up. Called fraud department and after being told they could not find a check after giving them the check # she said she was calling her supervisor who said they could not locate a check and my case was close.

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 2019-10-31
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My name is XXXX XXXX. I filed bankruptcy in XX/XX/2019, with a final discharge order granted in XX/XX/2019 XXXX : XXXX in XXXX, NY. I have received repeated collections calls from Sunrise Credit Services, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX regarding a debt with XXXX USA XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. This debt was discharged through bankruptcy.

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 2023-10-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX of XXXX, I needed a prepaid card like like a XXXXXXXX XXXX XXXX. I found American Express Serve card at XXXX. I was going to pay for the card and load money with my debit card but I was told I would have to pay with cash. I had to go to a ATM to pull them {$500.00} out and load it to the card. 

Once I purchased the card and loaded it with XXXX. I went to register the card and it didn't work. As I write this on XX/XX/XXXX, I've called and wrote letters. I still haven't heard from Serve on this issue. I have a card with {$500.00} that can't even be activate and says I have the wrong card information. I need help asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: RI
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:
Company has violated the Fair Debt Collection Practices Act by placing an ambiguous collection amount on my credit report 3 years after the account was closed and paid in full. The XXXX lease was never late, yet now reporting 14 or more 90 day late payments and collection. The lease terminated in XX/XX/XXXX, paid in full, never late. XXXX company has not reached out nor attempted to notify about "debt". Account appeared as charge off on credit report with balance and late payments years after paid in full. Received notice dated JXX/XX/XXXX with "lease termination invoice". Attempts to contact number on notice have all failed. Operators collecting information and then terminating call. XXXX is acting abusively due to not purchasing vehicle at lease-end.

Company response to consumer: Closed with explanation