BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Without my permission, TransWorld Systems Inc sent letter to my address regarding alleged debt of {$80.00} to XXXX XXXX XXXX. Per 15 USC 1602 ( L ) this debt was paid and the purchaser of the new debt is the rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: CT
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 suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.

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 2022-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I was alerted by XXXX that a credit report inquiry had been completed in my name. Upon researching, it was discovered that a credit card had been opened in my name through USAA. After making a credit report dispute with XXXX, they suggested that I call the bank. On XX/XX/2022, it was found that there was an {$8.00} balance on this credit card and I reported the fraud to USAA. I was told it would be investigated, and that someone would reach out to me with information. No one has contacted me. I have called them on several occasions, noting that I have not been contacted and expressing concern that this card was still active. I continued to receive alerts from XXXX that my credit score was dropping. I spoke with someone in XXXX and was told that the card had been flagged and investigations are usually concluded quickly once reported. This was the second or third time I had reported the issue. On XX/XX/2022, I received another alert from XXXX. I was able to speak with XXXX at USAA who informed me that the card is still active and charges are still being placed on it despite having been flagged as fraud and being open for investigation. This fraud was reported in XXXX, it is now XXXX and now over {$4000.00} has been charged to this account which is not mine. I am not even a member with USAA, nor have I ever been. After speaking with USAA on XX/XX/XXXX, they have informed me that despite my calling and reporting multiple times, the card will continue to be active and they can not shut it down. It has only just now been suggested that I complete a credit report dispute with USAA. I have now completed this form, but it took over a month to even suggest it be completed. I have discovered through XXXX ( USAA said they couldn't verify ) that this card has a {$15000.00} limit and the balance keeps rising. USAA has known for almost six weeks and has done nothing to stop this fraud despite having multiple notes in their system stating that I have called multiple times to flag the account as fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Experian and XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX Balance Owed : {$11000.00}.

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 2023-04-29
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital reported an account ( ref number XXXX ) in collections from XXXX XXXX. 

XXXX XXXX was removed as a fraudulent account taken out by XXXX XXXX on XX/XX/2022. I sent this information to Jefferson Capital and they have not removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX   XXXX ( ORIG CREDITOR:11 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 2022-11-11
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I am XXXX XXXX submitting without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2018-03-01
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid 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:
I applied and received a Nordstrom signature credit card with an initial limit of XXXX which was later increased to XXXX my first payment was made XXXX in cash and second payment made online was XXXX from my checking account. the card company put a hold on my card after making a full balance payment in XXXX for XXXX and a purchase for XXXX to XXXX. I called the company after I was declined a purchase at XXXX and I was told that they needed to verify information to remove the hold. I had verified the information and the agent informed me that the problem had been remedied. I continued to ask questions as to why this happened, I was told that it was because of the merchant ... also the location of the merchant that triggered this. I proceeded to ask for more information on what triggers these issues .... after that I was transferred to a supervisor for more information ... .. After asking him several questions was told the same thing ... .. at which time he became frustrated with my continued questions then said that I was being put on hold because of an address issue ... .. during the next few calls to the call center I was even told that the I needed 20 days for my payments to clear??? cash payments??? and also I needed to give them address information .... after further calls to the center I was told yet another reason ... now the company is requesting tax information ... when asking was this a common request or what is the policy regarding asking for this information I was told that I would not be given the companies policy ... .. I believe their is an underlying reason and that these different requests are not inline with general policy or how other customers have been treated. I have been given 3 different reasons and after the 1st call the account was supposed to be cleared instead I have believe that the company is finding reasons any reason to block or hold my card. my account is being treated in accordance to how other accounts are handled with this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: MA
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2023-08-31
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: NC
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:
There is incorrect information on 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 explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions 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:
The credit bureaus are reporting erroneous information on my 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had multiple soft inquiries and a hard inquiry on my credit port that were not authorized by me. The inquiries are affecting my credit score and making buying a home more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of 2019 XXXX took over control of rewards dispersal for their XXXX Visa card ( from Barclay 's ). They supposedly notified customers of the change in terms and conditions, however I did not receive notification. Apparently I can no longer apply my rewards to my credit card balance and MUST use them on XXXX services only. I have {$520.00} in XXXX cash rewards, which equates to over {$50000.00} in spending on that card. It is not feasible to use $ XXXX on XXXX services when I live in an area that DOES NOT PROVIDE XXXX SERVICES. I contacted Barclay 's today and was told I'd have to take it up with XXXX, since they can no longer disperse those funds. I've done everything I can to find some way to contact XXXX, however they seem to not want to interact with the public or provide customer service in any way.

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 2023-06-11
Company: Experian Information Solutions 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 FILE A DISPUTE WITH XXXX ON XXXX XXXX REGARDING SOME HARD INQUIRIES ON MY CREDIT REPORT LESS THAN 5 DAYS I RECEIVED A LETTER STATING THAT ARE FACTUAL. THESE HARD INQUIRIES WERE NOT AUTHORIZED BY ME, AND SUCH THEY SHOULD NOT HAVE BEEN CONDUCTED WITHOUT MY CONSENT. UNAUTHORIZED INQUIRIES MY ABILITY TO SECURE CREDIT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FACTA ), AND THE UNITING AND STRENGTHENING AMERICA BY PROVIDING APPROPRIATE TOOLS REQUIRED TO INTERCEPT AND OBSTRUCT TERRORISM ( USA PATRIOT ACT ), I HAVE THE RIGHT TO DISPUTE INACCURATE OR UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.

UNDER UDAAPs Dodd-Frank Act ALL COVERED PERSONS OF SERVICE PROVIDERS ARE LEGALL TO REQUIRED TO REFRAIN FORM COMMITTING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES ( COLLECTIVELY UDAAPS ) IN VIOLATION OF THE ACT.

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 2019-08-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo Business Platinum Card ending in XXXX:Over limit fee of $XXXX was charged to my account on the following dates: XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 & XX/XX/19 for a total of $XX/XX/XXXXI Contacted WF on XX/XX/19: CSR (female didn’t get her name) looked into it and I was told that this was standard fee for going over the limit. I asked if I could remove that feature and was told no. It was explained that my option was to pay closer attention to daily balance, make more frequent payment(s), and/or use a different card. I then informed her (WF csr) that I never opted in (knowingly) nor received any confirmation of such an opt-in; which is require by the Credit Card Act of 2009. At this point the CSR promptly offered to refund 2 of 5 the fees. I explained there was 5 and she said she would refer me to another dept at this point.WF Customer ??? dept CSR XXXX took over and I explained the situation to him. I did also request some proof that I knowingly opted-in and that WF sent confirmation regarding the over limit fee. He said he would look into this and get with his supervisor. He came back on the phone and asked what months had the over limit fee so he could get approval to get them refunded/reversed. After 5 mins or so on hold he came back on the phone and stated he was able to get all 5 reversed. I did ask again about the opt-in proof. He was unable to provide any info that I had opted-in or that confirmation was sent. Seemed eager to want to make this situation go away. Prior to ending the call he did inform me that he was sending this matter to the WF Executive Offices / Case Management (Case ID: XXXX) and I should hear back from them in a few days. I did ask one last time to opt-out but he wasn’t aware of any way to do that and the case manager should be able to help.I find this practice to be very shady and unethical. It feels as though they (WF) are banking on busy customers like me to miss those fees when reviewing statement charges and hoping to get away with generating income off of falsely charged fees. It’s kind of like begging for forgiveness over asking for permission.

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 2020-12-22
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed these debts and asked for the required verification from Credit Collection Services twice now. I have received nothing at all from them. I do not know who they are or why they are on my credit. They have violated my rights according to the FDCPA and FCRA, and as a consumer, it is very unfair. I thought as an American citizen I was entitled to the same information that is being reported to third parties about me! Please help me!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Gordon & Wong Law Group, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I satisfied my debt on XX/XX/XXXX. The law office that handled the collection placed a lien on my home and as of XX/XX/XXXX, the lien has not been removed. This has prevented me from obtaining title insurance and prevented me from selling my home. 

My county recorders office informed me that the law office had improperly completed an Acknowledgement of Satisfaction of Judgement and therefore, the lien can not be removed. 

I contacted the law office on XX/XX/XXXXand informed me of the problem. They told me to have the title company send them a " demand in escrow '' which they did immediately. The law office never responded to this demand. I have contacted the law office numerous times but they will not respond to any of my e-mails. I finally received a response on XXXX where XXXX XXXX, director of operations stated that they would re-file the proper documentation but only after their notary returns the following week but to date, nothing has been filed and the law office won't return e-mails or give me any updates. 

I reported the lawyer to the California State Bar for misconduct and I sent a copy of the complaint to the lawyer. I received an e-mail from the lawyer in 11 minutes stating that they intended to file the correct paperwork however, this has not been done as of this date. This is holding up the sale of my home and I have now lost the pending sale. My debt was satisfied 3 years ago and the Lawyer has the obligation to remove the lien from my property. California law requires the lien to be removed within 15 days of the debt being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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 status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX CARD-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/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