BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Wakefield and associate has inaccurate information on my credit report ... .I contacted them and told them that this is not my debt and to plz remove the inaccurate in from my credit that they were breaking thee law ... .I asked them for the original copy of this debt with my name one it ... and they said they dont have it ... I ask them is this a debt that they are saying I owe them or is this a debt that they purchased from another company but they want tell me ... ..but they have destroyed my credit with this fraudulent account they have on my credit report ... ..I am asking Wakefield and associate to plz show me proof of the original bill or remove this inaccurate in from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The companies involved are Wells Fargo Bank, XXXX and XXXX XXXX XXXX 
On XX/XX/XXXX I was approached by a person on XXXX XXXX after a few days brought up XXXX buying. I opened a account on XXXX and XXXX wallet. I made transfers to XXXX then to XXXX XXXX for trading. I did several trades on a site XXXX XXXX XXXX XXXX I did several transfers for transactions total of {$75000.00}. I realized there was a issue when I couldn't withdraw money on XX/XX/XXXX. My accounts at crypto.com and XXXX XXXX were no compromised. I called my bank Wells Fargo Bank when I made 2 wire transfers for Charge back since My account now was compromised they refused to help. I filed a claim on my debit card and savings ACH transfers they declined now two times to help and investigate when I told them money that was sent went to compromised accounts. I told them several times they kept telling me we are investigating for over two weeks being transferred from one person to another over and over. I contacted XXXX and XXXX XXXX also about this issue thru several emails they said your accounts have been compromised. After several emails no response from either one then I get a email from XXXX that I can only make wire Transfers and my account is restricted case closed. XXXXXXXX XXXX emailed mem back sorry your case is closed. My main issue is My bank Wells Fargo refused charge backs on fraudulent purchases and the rude no explanations of why charge backs couldn't be done. Wire transfers could have been reversed going into compromised accounts. I notified them as soon I realized this and they just send me letters declined with no reason and when I called it didn't seem urgent at all. XXXX freezes my account collected several thousand dollars in fees and so did XXXX XXXX XXXX XXXX told me we don't have or store XXXX .No one is taking any of this as responsible for any actions that have taken place. Or willing to help. Wells Fargo Bank mainly could have done charge backs knowing I reported the fraudulent purchases in a compromised account in both my Savings and debit card purchases. I don't know who to turn to for help now. I am retired and this was all my savings now gone and no one to help or even care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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:
It has come to my attention that this account is in connection with an alleged vehicle purchase transaction. I never authorized this account to be on my credit report. These companies do not have permissible purpose to report this information on my credit report. I was also never given the option to " Opt Out '' in any form. If I was given such an option I would have. I do not want to ever do business with XXXX XXXX XXXX XXXX and they have continued to give me stress and headaches over their illegal tactics. The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX. I have also sent a Cease and Desist letter and this company continues to indirectly communicate with me through the credit report agencies.

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 2020-04-25
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC is not letting me access my funds through XXXX. I get notified via email every time an attempt to link the account is made, but it does not get linked in any way. Kindly look into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Genesis FS Card Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A collection agent ( female ) identifying herself with XXXX XXXXXXXX XXXX  XXXX is calling on behalf of an Indigo CB for a debt that she claims I/we owe of {$25000.00}. She threatened to call the authorities and is using tactics that are below the belt ( " you and your wife are fraud and will be in prison for the rest of your life. '' ) Every-time I tried to pass my attorney 's information to her, she'd hang up. She'd purposefully not want to hear it. I did see that she was calling from a cell phone so I texted it to her instead, hoping she does get it. 

The numbers she's called me on are : XXXX and XXXX I've never heard of XXXX XXXXXXXX XXXX XXXXXXXX nor have I heard of Indigo. She asked me about our business- to which I answered it's been going slow, but I wasn't sure who she was at first. She excoriates the person who she's on the phone with. I understand collections is a tough job but she doesn't let anyone get a word in edgewise, doesn't answer my calls back, threatens to have the cops over today to arrest me, and yells on the phone. Beyond that, her remarks are beyond harassment, I've never been talked to with such offensive language used towards me in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I sent in an FTC identity theft affidavit to this company because this account is not mine and Has never been mine. They continue to report this fraudulent account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Balance : {$66.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my American Express card and American Express travel to book a hotel room for my XXXX XXXX XXXX father. My father called me today, my brother is in the hospital with XXXX failure. Understandably, my father needs to cancel his trip due the severity of this situation. The hotels cancellation policy is 72 hours. The hotel saw my reservation and said American Express should not charge me a penalty to cancel since I called within the allowable time. The hotel was very compassionate and understanding. American Express was not at all compassionate or understanding. American Express said the penalty is XXXX night stay. They charged me double this. Ive had two phone calls with American Express. I have spent almost 2 hours on the phone. I feel totally helpless. The hotel really tried to help. They said American Express is wrong and they have done this before to others. I cant believe a firm like American Express can take advantage of people like me. Its bad enough my family is dealing with a health crisis. American Express has made this worse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Equifax did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. 



These accounts fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to delete all listed accounts. 


SUPPRESS ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX XXXX reporting in XXXX and XXXX of account being open. DELETE XXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. DELETE XXXX XXXX XXXX XXXX Inaccurate date of last activity. Inaccurate reporting of amount of days late. Inaccurate payment history.Inaccurate first day of delinquency DELETE The credit reporting agencies must be in compliance with their own standards that they set in place. A compliance standard was put in place In XXXX for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviates from the standard of compliance. You are not in compliance. This information is not accurate across all three bureaus, nor is it complete.Remove all listed accounts immediately or legal action will be taken. 




In sum, a report must be factually, incorrect objectively likely to mislead its intended user, or both to violate the maximum accuracy standard of the fair credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting AgencieXXXX ( TRANSUNION, XXXX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.

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 2023-04-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, My name is XXXX XXXX XXXX and I am contacting you on behalf of my fianc and I, XXXX XXXX. We are in an emergency crisis situation, ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC A GOVERNMENT OFFICIAL ). Where we are supposed to be receiving help from the government but they have failed us at every level for going on 17 months. Our bank account was breached by employees of XXXX  XXXX XXXX. We reported to officials, we have contacted the XXXX XXXX XXXX, which then triggered the FDIC being contacted, and when they failed us, we were passed to the Security and Exchange Commission. There even was a joint task force comprised of the FBI, SEC, and the FDIC. And this is where we have been ever since, just going back and forth for 17 months at this point with no real progress made. This has made its way all the way up to the Financial Services Committee of Congress. Everyone from President Joe Biden, to Vice President XXXX XXXX, Chairman XXXX XXXX from The SEC, XXXX XXXX the House Representative for our district. We have an invoice that was provided to us by the SEC, and the FDIC. We have been up for eviction at least 3 times in the past 17 months, because I had to leave my job to be able to constantly call to try to get the government to actually do its job. So my family is begging you. We are barely surviving, literally surviving off what our parents can provide but we are all alone, our families live in different states. We are XXXX years old and we had to leave college due to the pandemic and now we are faced with this crisis and no one is truly helping us. We are trying to start a family and pursue our opportunity at the American dream. But its being stolen from us. Please help us to get Justice. We have been told multiple times that our case could lead to the collapse of multiple banks and even the financial industry as a whole especially with the failure of XXXX XXXX XXXX. Please reach out to us as soon as you can. We desperately need your help. We are owed money by the government and we have the invoice to prove it. Thank you for your time. ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC, A GOVERNMENT OFFICIAL )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, 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 XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, EQUIFAX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. 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. I am demanding you to block and remove this information within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 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 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are items on my account listed that aren't mine.

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 2023-03-25
Company: Fidelity National Information Services, Inc. (FNIS)
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: Reporting company used your report improperly

Complaint:
It has come to my attention that Chex Systems XXXX Inc., has violated the Fair Credit Reporting Act ( FCRA ) by way of failing to follow reasonable procedures to assure maximum possible accuracy, failing to have permissible purpose, in addition to reporting inaccurate information, and failing to DELETE inaccurate information. If Chex Systems XXXX Inc., fails to comply with this notice will result in legal action being taken. Thank you for your timely cooperation. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

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 2021-05-10
Company: EQUIFAX, 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: LendingPoint Holdings LLC
State: AP
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX is acting on behalf of Lending Point LCC stating that I owe {$12000.00} and that an attorney has been retained to collect from me. It was reported that I have no responded to any requests for debt collection and that my wages will be garnished. I currently live in XXXX XXXX and am in the military. 
Ive never been contacted by any of these people for any reason prior to it being on my credit report. Ive contacted them numerous times to have proof provided of this debt and all numbers written on the consumer credit page just give a busy signal and all written correspondence has been returned to sender. 
These inaccuracies and derogatory remarks are false and harming my credit and potentially my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXXXXXXBalance : {$1000.00} Date Opened : XX/XX/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