BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-27
Company: WELLS FARGO & COMPANY
State: TX
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:
a charge of XXXX $ on my wells fargo credit card ending in XXXX on XX/XX/2018. 

I tried to resolve the problem with wells fargo but they denied my dispute. 

I stayed in this hotel for a couple of nights with a mutual friend who was staying there for a week and they requested my card at the front desk to charge room service orders to it. 

I found later that they charged the whole hotel stay that the mutual friend took care of to my card. 

Thank you, 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 explanation
Consumer complaint received 2017-11-18
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: Account status incorrect

Complaint:
I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Every time this Publisher - XXXX XXXX sends me my royalty deposit they are not mentioned correctly in the legal ledger of the bank. The say content distribution. I am the only one to get royalties. There is no other distibution. What is going on is one employee changing the deposit information. The bank should clearly know who is sending it a deposit for a customer not a vague discription. The company should be the only one sending me money for my book with XXXX XXXX titled - The XXXX XXXX XXXX XXXX. It could be making thousands and a bank teller could be giving me a dollar and say it is content distribution and not the direct name and discription. I need the right description for my account deposits. 

Mailing Address XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX News Media Contact XXXX XXXX PR Department XXXXXXXXXXXX From Bank of America below my consistant editing of my account to tell them and XXXX I need things specifically idetified when receiving deposits. Is it that easy to hide content, by just describing the content of a deposit as content. This is something that needs to be made specific other wise any one could hide money by not describing who it came from or the amount. I need my account ledger correctly noted. Now I can see how banks likes XXXX can be dishonest. 

XXXX/XXXX/XXXX Hideadditional information for activity type deposit XXXX XXXX  XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Edit Description activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD as Reconciled XXXX XXXX Type : Deposit Description : XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Merchant name : XXXX XXXXSelect toEditthe merchant name Transaction category : Income : Paychecks/SalarySelect toEdit

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 2022-01-14
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint of Fraudulent Loan Charge of {$140.00} reported to the 3 Credit Bureaus by XXXX XXXX XXXXXXXX XXXX Collection Agent AmSher Collection Services on XX/XX/XXXX against me. 

Details of Complaint ( 1 ) I responded to XXXX XXXX XXXX XXXX web advert and purchased a cellular phone and paid {$30.00} as requested by the sales agent on XX/XX/XXXX. 

( 2 ) I was told by the sales agent that the cellular phone will arrive through XXXX XXXX in two days, he also said that I can cancel the purchase within 14 days for a refund. I waited until that weekend, Friday the XXXX of XX/XX/XXXX for XXXX XXXX to deliver the package, but they failed to deliver in 2 days as promised. 

( 3 ) I called XXXX ( XXXX ) around Monday the following week and told XXXX ( XXXX ) to cancel the purchase. I was told by the agent that the purchase will be canceled and if the package arrived, that I should not accept it, that it will go back to the warehouse. When the package arrived, I did not accept it instead I told the delivery man to return it back to the warehouse. 

( 4 ) The following month I noticed on my XXXX XXXX  account that XXXX ( XXXX ) was still charging me using auto pay for the canceled purchase. 
I then called my bank and complained about fraudulent charges from XXXX ( XXXX ), the bank investigated and made 2 reversals on XX/XX/XXXX and XXXX XXXX ( I highlighted the transaction on my XXXX and XXXX bank statements ) can be provided if requested. 

( 5 ) XXXX XXXX XXXX XXXX embarked on a fraudulent collection activity against me which I regarded as elderly abuse and harassment. 

( 6 ) Again, I noticed on my credit report on XX/XX/XXXX that XXXX ( XXXX ) collection agent, AmSher Collection Services reported a fraudulent loan charge of {$140.00} falsely opened XX/XX/XXXX on my credit report. 

( 7 ) I followed up and entered an online dispute on the 3 Credit Bureaus platform XXXX, XXXX, and XXXX that the reported loan charge of {$140.00} by XXXX XXXX XXXX XXXX collection agent, AmSher Collection Services was a fraudulent collection activity. 

( 8 ) XXXX responded and deleted the fraudulent collection activity from my credit report and notified me. 

( 9 ) I, therefore, repeat, I do not owe XXXX XXXX XXXX XXXX this money and demand the 2 remaining Credit Bureaus XXXX and XXXX to immediately delete this reported fraudulent activity of {$140.00}, reported by AmSher Collection Services and XXXX XXXX XXXX from my credit report XXXX 

( 10 ) I do not owe XXXX ( XXXX ) this money. It is a fraudulent activity, harassment and elderly abuse. 

I affirm that the information herein is true and accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Phone : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting A tax lien that doesnt belong to me as XXXXXXXXX and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which arXXXX Hippa Law violations as well as child support that are 180 days late and deliquent Experian And XXXX is reporting Child support Enforcement as of XXXXXXXXX as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My wife, XXXX XXXX XXXX, was unable to obtain a copy of her free credit report online through annualcreditreport.com She was then instructed to call in to obtain a copy of her free credit report. As of today she has not received her Transunion credit report

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 2022-01-14
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've told previous management multiple times before the lease was ending that I was not renewing my lease because I was leaving to XXXX. She understood and We came to that agreement. Then comes XX/XX/XXXX hen my lease ended, I moved out and she contacts me and says I needed to give her 60 days ' notice that I would be would now have to be responsible for rent until XX/XX/XXXX. I told her I was not renewing my lease multiple times and she knew that and yet and still charged me. This is now on my credit for a charge of {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: AR
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:
Over the last 3 months I have repeatedly contacted both XXXX and Equifax about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan XXXX showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: FREEDOM FINANCIAL NETWORK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Husband and I used Freedom Debt Relief to settle our credit card accounts. We were able to successfully complete the program in XXXX, 2019. Our account has an balance of {$510.00} that was supposed to be returned to us among completion of the program. Despite several attempts to retrieve these funds that are due to us, we have not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CITIBANK, N.A.
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:
My identity was stolen XXXX 2017 and reported to authorities, 7 year freeze placed. 
Citibank NA reported three inquiries to XXXX, all fraudulent. All other creditors corrected/updated information with three credit bureaus but NOT Citibank. 

I disputed with XXXX and Citibank reported " inquiries are a factual record of file access '', which THEY ARE NOT. I tried calling both numbers provided by XXXX to contact the creditor in order to dispute the unauthorized access. First, called ( XXXX ) XXXX, referred me to ( XXXX ) XXXX, customer service stated Citibank NA was a credit card company and to contact ( XXXX ) XXXX. Both times I actually reached them, they hung up on me BUT not before telling me applications can only be seen for 60 days, so even if applications are fraudulent, can not be removed if made over 60 days ago. Unreal.

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 2017-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Well my XXXX year old XXXX son figured out how to log onmy XXXX  account on XX/XX/XXXX and buying XXXX at {$12.00} plus XXXX at XXXX plus XXXX for XXXX XXXX I contacted XXXX several occassions. i also contactedmy bank on XXXX/XXXX/17 to be told theywere still processing cannotdo anything to dispute it. then on XXXX/XXXX/2017 i contactedmy bank bank of america to dispute the charges as they were not authorized by me and did not know they happened until i got an email from XXXX. Also my bank accessed me {$100.00} in over draft charges. I filed a dispute with claims department at XXXX XXXX our time on XXXX/XXXX/2017.I was told that she give me a temporary credit on my acount for the XXXX transactions and theover draft fees. Well two hours later i called back to talk toa supervisor of my bank in claims to be told that they will not credit back the transactions unti ten business days later and the overdarft fees another three to five business days after that. thisis not right as it was an unauthorized purchase and should have been credited right away after the dispute was filed. i do not appreciate being lied to as first lady in claims said she was working on the credits back right then only mention of the ten days was that i get a letter sign it send it back to the bank. This is very unacceptable not to give me temprary credit for the transactions and the over draft fees as it was done by my minor XXXX son without my knowledge or permission. This is unacceptable to not help me with this situation and lie to me. Not happy at all.

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 2018-01-09
Company: SYNCHRONY FINANCIAL
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Synchrony Bank has sent evidence of accounts with the purpose of transfering IRAs This is also not recognized as a valid account established by myself. The IRA is not one I have been informed of.The company is stating an agreement must be completed by me but also is the listed bank affiliated with PayPal Corporation.

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 2020-02-11
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-01-09
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was served on XXXX XXXX under deceptive and adusive tactics. I filed a counterclaim with the court and fought very hard to get to mediation however my counterclaim was dismissed before ever getting to argue my complaint. I believe I have a right to know either the name of the server or the company they work for. The plantiff directed me to the Register of Actions with the Court however that info was missing. I have been under extreme mental stress from this bankruptcy and have recently started new medication for XXXX specifically because of my financial situation. 
Case number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Honestly I do n't have the dates. I thought this matter was resolved. I placed an order using a XXXX card for a portable air conditioner. After almost a month, I called to cancel due to the fact it was a heat wave coming and my family had no working air conditioner. I had to purchase one immediately, there for I no longer needed the one I ordered. Also, I had received no word from them as to the status of my order. When I had XXXX years ago, They would send out a card, keeping you abreast of the status of your order. When I called, the young lady informed me that the item had been delivered. I said, no, I am XXXX and I am home all day. No one has come to my door. She then proceeded to tell me to wait 5 business days and call back while they work on finding the information. I called back on the 5th day. I was spoken to in a most demeaning manner. The guy was rude beyond words. He told me that it was delivered to my door. I told him. I am XXXX and I am home all day. No one has come to me door. He proceeded to shout at me telling me it had so been delivered. Then he asked, did I ask my neighbors. Why would I? I have never had an issue with a purchase. I also, purchased from XXXX for several years, with no problems. Now I see on my credit report that I own them {$600.00}. I refuse to pay for an air conditioner I never received. XXXX should not be allowed to place that purchase on my credit. They are trying to hold me hostage unjustly!. I have had no one come to my door. I did not sign for any purchase and they should be made to remove that product from my credit period! I have had to take extra XXXX medicine because of this injudicious matter. Please help me!

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 2018-01-11
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:
XXXX XXXX Bank is reflecting on my credit report. This account has not be properly verified according to law. Also this account has been on my credit report more than seven years. And it is still reflecting on my credit report. The original first delinquency showed XXXX XXXX and now shows XXXX XXXX. Which is fraud to try and keep this on my credit report. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this card. And they are still allowed to have this on my credit report. That is AGAINST THE LAW!

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