BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-11-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both the credit bureaus and XXXX XXXX with no successful resolution. The credit bureaus only reporting me late. There was definitely an error on their part. I was never late.

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 2020-06-03
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: Personal information incorrect

Complaint:
I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Transunion has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.

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 2018-02-07
Company: EQUIFAX, INC.
State: MD
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:
I have a credit inquiry dated XX/XX/2017 from XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: CA
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 issue stems every time XXXX is challenged my score suddenly drops often by 38 points. I review my report I find no justification for score drop. XXXX has in past few months been unable to complete or correct loan matter 's. Since the issue with XXXX became open to the public about hacking issue I've has difficulty keeping my account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020, a collections representative at Discover ( Credit Card Company ) placed a call due to missed payment. 

At this time, and today, the credit card only belongs to me. There are no additional phone numbers ( other than mine ) or authorized users on this account. 

I'm assuming through some form of skip research they manage to acquire my husbands phone number and call him due to a payment that I had missed. He relays information later to me that day that lets me know they did the following - They not only disclose that I've missed a payment, but they tell him balance, what is owed, and schedule 2 payments with him through MY checking account that is on file for XX/XX/2020 for {$120.00} and XX/XX/2020 for {$130.00} without my knowledge because they " couldn't get a hold of me. '' That payment came through today on XX/XX/2020 for {$130.00} after realizing that had taken 2 payments on those scheduled dates. When calling to inquire, the representative that I spoke with today ( via customer service I believe ) informed me that it was in fact ME that had spoken with them on XX/XX/2020 and that it was not documented anywhere that they had spoken with a third party. 

This caused my bank account to go negative and cause me additional fees, and stress. I am also newly XXXX  and this did NOT help when I also have new XXXX bills to pay. 

I informed the representative I spoke with today place a cease and desist on my account and note that authorization to speak with my husband is not permitted, because even though he's not on the account, clearly someone disclosed everything for their collections bonus. 


The snapshot details will include the amounts of the transaction, as well as a {$28.00} dollar late fee they informed my husband they would refund to me after that phone call on the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: I.C. System, Inc.
State: IL
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:
This account is from XXXX on equipment return charges. The equipment was returned to the XXXX store because XXXX stated I had to return equipment by mail. They would not pick up their own equipment. I shipped the equipment and there was no phone call or letter that they had received it. After checking my credit report several months after, there was a collection for the charges on equipment. I called XXXX and they stated they did not receive the equipment. XXXX  store in XXXX, illinois could not reproduce proof but remembered me shipping the equipment. This account is completely false and SHOULD not be placed on my credit report. I am XXXX years old and this is the only collection I have. I disputed this with all 3 credit bureaus and it was deleted. Now it has reappeared with new dates of delenquincy and XXXX  will not delete after receipt of my dispute. The dispute was placed on XX/XX/XXXX. Please help me get this false account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 i sent AFNI a letter by certified mail stateing that i had no knowledge of the debt that they were asking me to submit for me to pay. I have never had no accounts with XXXX XXXX XXXX  ever. And for a 3rd party company to reach out and constantly harassed me by mail and phone has be totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
Equifax has consistently refused to allow me online access to my Credit File forcing me to call in and have to wait to speak with an Agent. I have complained to the XXXX  about this matter with no resolution. Today Equifax took me all through the process of Identity Verification as well as changing my password. After completion of these tasks, they then instructed me that they could not help me and to call into Customer Service. Given that my information was completely verified, there is no reason Equifax should not allow me online access to dispute items, etc. I have no other problem with the other 2 Credit Bureaus accessing my credit file online. This type of inconvenience Equifax is causing me is unaccpetable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Blackhawk Network Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
An online purchase was returned in store and the clerk credited it to the prepaid card from Blackhawk Network ( BHN ). They blocked the card until they received verification of purchase and return. This information was sent over two weeks ago, and they have still not unblocked the card. I have called at least five times and keep getting different excuses ( e.g. we can not open the document ). They have over {$600.00} of my money that I can not access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: McCarthy, Burgess & Wolff, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX. I paid third party XXXX who now goes by XXXX to send XXXX XXXX an Notice of Dispute to Arbitrate through certified mail. XXXX, XXXX XXXX XXXX illegaly sent me debt collection letters on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX failing to provide contractual evidence of us agreeing to do business nor there is any court judgement against me. I did not give this corporation any rights to contact me. I would like to exercise my consumer rights and challenge this matter. I enclosed receipt from XXXX  aka XXXX. I attached the Notice of Dispute document. I added the four debt collection letters.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested Forbearance on XX/XX/XXXX per phone and also sent an email with the appropriate FHA information regarding Forbearance. Other than an automated email asking for 4-7 days to review, I received no response until XXXX XXXX to let me know that Forbearance was not an option for me. On XXXX. XXXX, I emailed FHA information pertaining to my particular loan type to Vanderbilt. Received a response back on XXXX XXXX to let me know that there were no options available to me. I have called the FHA reaource center three times and these options are available to me by the CARES act, but not being granted by the mortgage company.

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 2021-04-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I submitted claim # XXXX in the amount of {$510.00} for a purchase made on XX/XX/XXXX for a hotel stay in XXXX that was scheduled for XXXX of XXXX. Due to the unforseen global pandemic XXXX has shut its borders and we are unable to travel to the country. I've reached out to the merchant countless times regarding a refund and have been unsuccessful. Chase has closed my claim and sent me a letter that says the transaction was processed correctly or was authorized. I called Chase claims department for further explanation as the letter states and was told that the claim is outside of the 120 day window. However, they are making exceptions for claims related to covid-19. I ironically received this response after submitting a previous claim with the CFPB in regard to Chase closing my account without notice. After receiving a response from the bank claiming they can close accounts at their discretion I received this letter claiming the cahrge was authorized. Yes, I authorized the charge I expected to travel to XXXX but I did not expect a global pandemic and for the country to close its borders and keep them closed. I would like to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not go to the hospital this bill is not mine. they company has failed to send any signed agreement by me to pay for any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday XX/XX/XXXX at approximately XXXX I went to my local XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX CO XXXX ), which has an ATM in an enclosed area attached to the bank. I made a {$100.00} withdrawal and remember fumbling with all of the cards in my XXXX XXXX wallet. I don't think I grabbed my money because when I got home I did not have it. I ran right back to the location, which is two blocks from my house and there was no money so I assumed the machine sucked the cash back in. I don't wear particularly baggy pants or shorts ever, so it falling out in the two blocks is very unlikely. I took out another {$100.00}. On Tuesday XX/XX/XXXX, I went to the branch and spoke with XXXX XXXX Sales and Service Manager. She initiated an internal dispute on the transaction and told me they would review the camera, the balance report from the ATM ( she said the ATM machine was separately owned ) and get back with me. I got a perplexing letter dated XX/XX/XXXX on the XX/XX/XXXX of that month stating that " no errors occurred with the transaction ''  and that the claim was being closed. I called customer service the next day for an explanation. I was bounced around several times between customer service and the fraud unit before I requested an escalation to a supervisor. XXXX employee # XXXX said she would correct the issue and ask the " ATM Regulation E Department '' to take another look. On XX/XX/XXXX, I received another letter stating that they got a duplicate request and would continue looking into the request. I called again on XX/XX/XXXX, to see what was going on and see if they were looking at it and if they needed anything from me. All they need to do is look at the camera and tell me if it was taken or sucked back in. If someone took it its my fault and the case is closed, but they will not tell me or give me anything. The last call on XX/XX/XXXX I asked for a supervisor callback and have received nothing. This is a customer service disaster on US Bank 's part, and I am beginning to think they stole the {$100.00} from me. CFPB please look into these unethical and illegal business practices.

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2016 : The collection by name of XXXX XXXX XXXX, a company in Minnesota, for an amount of {$2000.00} was reported to my Transunion credit report. I have never known this company, never received any communication from them, never lived in Minnesota. I tried to dispute with transunion when i tried to get my first car, they said it meets requirement and no other information and closed the dispute. This is so frustrating. Seems like they can just make debt out of thin air and targets specifically 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 2020-12-13
Company: EQUIFAX, INC.
State: FL
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:
I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: InDebted Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/21 at XXXX I received a phone call on my cell phone from XXXX XXXX XXXX XXXX XXXX. After answering the phone the representative asked to speak with XXXX. I advised the representative they had the wrong person and phone and do not call my phone again. At XXXX I called the number back and spoke with a male representative that provided the name of Indebted and advised they were a debt collection agency. When I asked what company does Indebted collect for, he said he couldn't give out anyone 's information or any information without me giving him my phone number. Feeling uneasy about the call as my phone number and other personal identifiable information has already been found on the dark web I called back. On the second call I got a female representative who also advised she couldn't tell me the company they collect for or make sure my number and name was not on their call list without me providing them with that information and advised me I was calling in to a call center. On XX/XX/21 my chapter XXXX bankruptcy that included all of my creditors was closed, my number has already placed on the National Do Not Call registery and I also registered my cell phone IMEI to not be tracked using GPS tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one closed both my Checking and Savings accounts without giving me a reason, without my approval, or notification. They then mailed out 2 checks, one for each account. I received the check for the funds from my checking account, but never recieved the check with the funds from savings. Their customer service department can not speak to the departments responsible or allow me to speak with them. They send requests that get no response and there is no escalation procedure for this. They owe me over {$7000.00}. 
and this has become a financial hardship for me and my family. The case # is XXXX

Company response to consumer: Closed with explanation