BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: NY
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 am sick and tired of Equifax. Im in the process of starting a class action against them. This company is horrible and are ruining peoples credit. On XX/XX/XXXX my score jumped 106 points because of an closed account reporting information. On XX/XX/XXXX my credit score went down 103 points  because the same company XXXX XXXX added additional information. This account is paid and closed. Why is this company still allowed to change or update information on my Equifax credit report? This account was already deleted from XXXX  and XXXX. Equifax is doing some weird things with people credit. My score is 100 points lower than XXXX  and XXXX. Accounts that are on Equifax are closed and none of the companies say they arent reporting anything and already requested Equifax to delete. Why is Equifax think they are above the law? What they are doing is against the FCRA. I will make sure they are held accountable for their actions. No paid closed account should be reporting or updating anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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 ( 60 ) days late on the XXXX XXXX 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 that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix 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 2017-12-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I transferred XXXX MR points from my american express membership reward account XXXX to XXXX XXXX XXXX on XXXX and it was successfully transferred on the same day. XXXX made another transfer of the same amount XXXX on XXXX and could not explain where the points went and I did not receive the other XXXX points on my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
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 have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
- XXXX/XXXX/17 I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked XXXX to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX handled it very well and quickly. 

Mercedes Benz also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
A debt I have no knowledge of it's been on my credit report for a couple years now since XX/XX/2015 amount of {$270.00} I'm trying too dispute it I have no way of paying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD INC # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HUNTER WARFIELD INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HUNTER WARFIELD INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD INC is in  compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HUNTER WARFIELD INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2020-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, we applied online for a 3-month home mortgage " assistance/suspension '' ( forbearance ) from Wells Fargo Bank under Covid-19/CARES Act. 

Wells Fargo Bank 's website said it " won't report a past-due status for this account to the consumer reporting agencies. '' Our credit report shows that Wells Fargo improperly reported to credit agencies that we were in 3-month forbearance ( " XXXX XXXX account, account in forbearance conventional real estate loan student loan deferred XX/XX/XXXX '' ), when they should only have reported that we were " current '' ( section 4021 of the CARES Act ). 

This " forbearance '' notation in our credit report kept us from refinancing the mortgage with a particular refinance company at a rare 2.99 % /no points/no closing costs. 

We have since asked Wells Fargo to remove the forbearance notation and we have paid the XX/XX/XXXX payment on XX/XX/XXXX and are now current, and intend to pay the XX/XX/XXXX payment and all future payments on time. 

Wells Fargo told us XX/XX/XXXX, that they would " look into this '' and would work on removing this from our credit reports, but that it would be our job to follow up with all four credit agencies ( XXXX, XXXX, XXXX, and XXXX ) to confirm it was removed. That process could take some time, during which we can't refinance and rates may go up. 

I am filing a complaint to ensure this does not happen to countless other unsuspecting customers.

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 2022-03-29
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint with the collection agency of the validity of the debt and the debt its not mine. I called and I spoke with XXXX XXXX at Allied and he refused to provide me the details of the debt. I emailed him directly on XX/XX/2021 to his his email XXXX and complete disregard to my request. It has passed more than 30 days since my request. He would not give me another person to talk to or addressed my concerns in regards to such collection. He didn't read the disclosure that this is an attempt to collect a debt. I have concerns regarding such debt as is not much but its not mine. I asked he for the company from which the debt is coming from and he told me he could not. I mailed all the information to all credit agencies along with this.

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 2018-05-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo, past due account. Never ever had account with them. They call every day

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 2017-11-27
Company: Experian Information Solutions Inc.
State: NM
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:
A fraudulent loan showed up on my credit report from XXXX XXXX. I contacted XXXX XXXX and they sent me a packet to complete and send back. I sent the packet by certified mail on XX/XX/XXXX and XXXX XXXX did not pick it up so I sent the packet again by both certified mail and priority mail on XX/XX/XXXX. XXXX XXXX signed for the first certified package on XX/XX/XXXX and the second Package on XX/XX/XXXX.  The tracking numbers are XXXX and XXXX. I also disputed the account with Experian. Experian notified me they had investigated and found that I had not contacted the company and they were n't going to remove it. I have attached the letter from XXXX XXXX dated XX/XX/XXXX and all the tracking documents. I called XXXX XXXX on XX/XX/XXXX and XXXX told me they had not received any of the packets I sent even though they signed for them.

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 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
on XX/XX/2021, I deposited a Cashier 's Check, drawn from XXXX XXXX into my personal account at Bank of America, at first the teller informed me that the funds would not immediately be available that they would be made available the next business day, then today I woke up to an email from Bank of America, that stated the the Cashier ; s check was going to be held for 10days and that funds would not be made available until XX/XX/XXXX, at XXXX XXXX.. I have attempted to resolve this several times, with several different departments at Bank of America to try to understand that a Cashier 's Check would have to be held for 10 days without receiving a logical answer from anyone as to why.

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 2018-10-04
Company: American Credit Acceptance, LLC
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:
They are reporting account is open ... The account was closed on XX/XX/2017 ... They are re-aging account and reporting inaccurate and invalid information ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

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

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 2020-12-17
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Re : Account Number : XXXX XXXX XXXX I am writing to you requesting a tepslf. As you can see I have made an extreme effort to pay the loan with automatic payment, doing what I need to do get the forgiveness approved. Upon discovered that all of the 133 payments of {$250.00}, which equal to {$33000.00}. did not count toward. I also discovered that only 17 payments that count toward, which is and out of that only {$4300.00} What about the rest of the payment {$29000.00} where does it goes to, someone pocket? And no one can tell me where the payment goes to. It is unfair for me as a good citizen whom who work and give back to the society, the community and as well as paying his debt, and just want a loan to be forgive. They blaming me for not doing right, but all this years they keep their shut. Every time I called I never get the answer. It always a run around. I email to XXXX months ago with no response. Please take a moment to consider my request. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request XXXX  to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking XXXX follow federal law and do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. Transunion keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. Inquires that I did not authorize. XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XX/XX/XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXAutomotive Individual XXXX XXXX, XXXX XXXX XX/XX/XXXX / XX/XX/XXXXXXXX Banks Individual XXXX XXXX, XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XX/XX/XXXXFinance / Personal Individual XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XX/XX/XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. XXXX XX/XX/XXXXBalance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00}XX/XX/XXXX XXXX {$4700.00}

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 2019-09-19
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account ( s ). I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. 
Thank you. 
*There were 2 accounts listed with same redacted account number but 2 different balances in error.

1 ) XXXX- balance stated of {$890.00} 2 ) XXXX- balance stated of {$390.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was reviewing my credit report and noticed a collections agency by the name of Harris Ltd on my report dated XX/XX/2019. I was very upset at this information, so I looked them up on the internet and gave them a call. To my surprise they kept sending my call to different departments ... ... I finally was sent to a gentlemen by the name of Mr. XXXX. I informed him of my issue and stated I had no business with there company and I would be reporting them to the CFPB. When I stated what I had plan to do he said have a good day and hung up on me. I proceeded to call back and they kept transferring me to XXXX emergency hotline. The XXXX department had no idea why they sent me to them and the young lady I spoke with new who Harris and Harris LTD was. She told they were a debt collections agency that purchased debts and try to collect money not owed to them. I value my credit and I am proud to say I have not one collection account. I will fight this to the end and plan to sue in court after the CFPB finishes the investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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 called XXXX  talked with a customer service rep and a supervisor no one would help me resolve my credit issues I have unknown inquiries on my credit report I informed the customer service rep and the supervisor I have not applied for any new credit and needed help getting these inquiries removed. I was put on hold for at least 20 mins and not one customer service rep could help me. I am in the process of buying a house and need these inquiries removed so I can move on with my process.

Company response to consumer: Closed with explanation