BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So a couple things wrong. The credit card company is capital one, who XXXX credit funding claimed they reached out to. I had reached out to XXXX XXXX XXXX because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I filed bankruptcy and the court took half of our income tax return. We received a check for XXXX and deposited it at the BANK of AMERICA atm machine. It was a out of state check that said trustee on it. When the deposit was complete to our surprise it said a hold was placed, without telling us. We contacted the bank and were given no reason why and was told there was nothing they could do. The hold was for two weeks. We have been with this sorry bank for over ten years, never bounced a check nor done anything to deserve this ridiculous and excessive wait time. I want to file a formal complaint ...

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 2019-06-27
Company: EQUIFAX, INC.
State: IN
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 already submitted one complaint, however I didnt send you supporting documents with the complaint. Here are the questions that I have to answer that are incorrect/wrong. I have spoke to Equifax customer service and informed them that the questions that are being asked are incorrect/wrong and I have no clue to where they got them and why I am being asked these questions. I also told them that there has to be a better way to verify a persons identity. Can you attach these pics to my first complaint please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
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: Account status incorrect

Complaint:
Numerous calls have been hung up on. Last person I spoke to was XXXXXXXX XXXX XXXXXXXX XXXX XXXX   through XXXX XXXX refuses to verify that this has been paid off. Calls and emails and they still will not do this and this is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tonight, my daughter called XXXX for a car loan with me as the co-signer. I have my credit frozen and didn't get word that this was being checked while I was at work. Experian called the incorrect number to reach me and called XXXX back and told them that they could not reach me to unfreeze the report so the whole application was chucked, and, must, 2 hours later, be redone and submitted. The thing that angers me the most is that Experian 's phone and " contact us '' is specially designed to avoid ALL contact or to hear from people on anything about which they do not wish to communicate. The automated phone system allowed two options. If your concern did not fit this, the call was disconnected. The email system is the same. There was NO means of contact for my issues. If you are not a " member '' ( why do I NEED to be a member of a credit monitoring bureau? ) there is no way to ask why I was not contacted on my cell or to express my frustration with their customer service experience. Given the extraordinarily important business in which Experian is engaged, and how much control they have over people 's lives, they need to be required to engage with those who's personal business and financial matters they control. There is a naturally adversarial posture here since consumers do not do business with them or purchase services from them. They don't " need me. '' Where is the protection in " consumer protection ''?

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 2021-10-22
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX i went into XXXX  XXXX  XXXX XXXXXXXX ,ny around XXXX XXXX .i went to with draw frow us bank relia card with bank numbers starting with XXXX ending with XXXX custumer id # XXXX. I asked for XXXX they deucted the money off my bank card i never got it. XXXX XXXX. Told me they were going to put the money back on my card of XXXX and XXXX. From XXXX XXXX. I ask that to be refunded to my us bank relia card of bank card number XXXX XXXX XXXX XXXX XXXX was the bank teller at XXXX XXXX. Transaction number cid # XXXX. i need alll this to be refunded to 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 monetary relief
Consumer complaint received 2019-09-05
Company: EQUIFAX, INC.
State: AE
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:
XXXX XXXX XXXX is reporting a collection account on my equifax credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: World Acceptance Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
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:
On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Wakefield & Associates served me papers with an email to respond to for collection of medical bills. i responded letting them know that I was affected by a federal disaster during covid. Colorado had issues with unemployment and I was one of the thousands affected. My XXXX was shut down by the state for 4 months, I still am waiting on my unemployment that has been approved but due to technical issues with the state can not be paid out yet. I lost my home and moved in with relatives. I recently went back to work full time a month ago. They are saying they never received my response and I have email proof and are trying to garnish 20 % of my paycheck when Colorado passed a bill HB19-1089 exemption from garnishment medical debt : if a persons income does not exceed 400 % of poverty guidelines they are not allowed to garnish. Bill became effiective XX/XX/XXXX. Here is the Bill : XXXX XXXX XXXXXXXX I only made XXXX as a XXXX and that varies bc I am commision. 
The XXXX Federal Poverty Level in colorado for an individual is {$16000.00} in yearly income. 

Federal poverty level calculator off of my last check of {$1600.00} shows me at 323.03 % XXXX XXXX XXXX 

I am definitely exempt from medical garnishment from all of this data. 

If they garnish 20 % I will not have my rent and I just went back to work full time after covid federal disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX  card inquiries reflected on my credit reports ( Experian and XXXX ) twice on XX/XX/21 and XX/XX/21. 

XXXX  inquiries reflected on my credit reports ( Experian and XXXX ) three times on XX/XX/21, XX/XX/21 and XX/XX/21

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 2019-05-21
Company: WELLS FARGO & COMPANY
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/XXXX, I transferred money via XXXX through my Wells Fargo app for concert tickets. I transferred {$400.00} from my Wells Fargo savings account to the seller. After realizing I was scammed, I immediately called and filed a claim with Wells Fargo and received a case number. Have not heard back after filing the incident.

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 2020-04-28
Company: U.S. BANCORP
State: DE
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 customer service

Complaint:
I initiated a payment dispute on XX/XX/XXXX through US Bank for a {$260.00} pre-payment made on XX/XX/XXXX to a merchant that I have not received services for. The services were never delivered and was supposed to be deliver in XX/XX/XXXX. US Bank reviewed my and dismissed my case claiming I need to contact them within 60 days after the error. While the payment date was XX/XX/XXXX the service was supposed to occur in XX/XX/XXXX which mean I am within 60 days. US Bank cardmember services team did not do their job properly and failed to understand chargeback management to the detriment of their cardholders. US Bank did not act in the best interest of their customer and prohibit cardholder from initiate payment dispute. US Bank should side and protect their customer from incorrect transactions and let the payment dispute run through the card network for resolution.

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 2021-10-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In the height of the Covid-19 pandemic between XXXX to XXXX, XXXX. I was hesitant, but was assured it was best time to do so, because I was protected by care act for credit cards companies and consumer, I hesitantly consulted a credit/Debt consolidation company from a random mail that was sent to my home. After I paid the fees for their services, I was instructed by the consolidation company to send my payments to them, and NOT pay my credit card bills to my creditors, and was told that consolidation company legal team would take care payments, and if I received any phone call from the creditors give them the company 's legal team contact information. I did not feel comfortable with strategy or approach .It just did not feel right in my soul so I decided cancelled the consolidation company services, by this time American Express the only 1 of my credit cards companies demanded all three ( 3 ) payments immediately of which I complied, shortly after I received a cancellation letter. I called American Express see if my account could be reopen by explaining what had happened and if the information I received was accurate. I am still not sure if my account was unlawfully closed by American Express in the middle of the Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that a collection account was placed on my credit report. Waypoint Resource Group violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Experian Information Solutions Inc.
State: VA
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 am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

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 2022-08-12
Company: EQUIFAX, INC.
State: MS
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 submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: The Bureaus, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Consolidated Information Services Solutions, LLC
State: TX
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:
On XX/XX/2017 my information was personal information was compromised due to the XXXX   Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TD BANK US HOLDING COMPANY
State: TX
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:
OnXX/XX/2017myinformationwaspersonalinformationwascompromisedduetotheXXXXBreachonXX/XX/2017.Sincethenmanyinquirieshasbeenplacedonmycreditreportthatdonotbelongtome.IntheattachmentIvesentyouarealltheinquiriesthatareonmycreditreport.Ihavecircledtheinquiriesthatdonotbelongtome.IvetriedreachingouttotothesecompaniesbutIhavegottennoresponseregardingthismatter.Pleaseremovetheseitemfrommyreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
good morning. 
my name is XXXX XXXX XXXX from XXXX JPMORGAN CHASE BANK, XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX United States has transferred amounts of money to my bank account in XXXX ( XXXX XXXX XXXX by name XXXX XXXX XXXX, account number XXXX, on XXXX of XX/XX/2019 ),  unfortunately my account above has been closed since I never saved some money anymore. consequently, I have not received the money up to now. 

in accordance, I do need your help to inform the sender Bank, how I can get my money.

Company response to consumer: Closed with explanation