BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: WELLS FARGO & COMPANY
State: DE
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 had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with Wells Fargo but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with XXXX, XXXX XXXX and directly with Wells Fargo and they left the item on my file.

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 2021-09-22
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I went to withdraw my money from my account on XX/XX/XXXX to buy a XXXX  van. I had purchased checks believing I could write a check but there was a maximum limit of {$3500.00} a month. I couldnt find a reasonable place to get my money. I read in the rules I could close out my account and recieve my money that way. I spoke with a representative on XX/XX/XXXX they told me they closed out the account in the amount of {$10.00}. I was angry at that point as I had {$12000.00}. When I stated this the employee didn't react at all as if this is common practice. Being upset I called again on XX/XX/XXXX and the employee stated a check was issued but he didn't state how much the check was and when I told him the amount it should be he didn't react either. So I waited for the check it took 14 days not 7 or 10 days as stated on there website. 
As soon as I closed the account I lost all my data that was available to me. I no longer had access to my money, my payments, my yearly statements. 
When I received the check I was in shock. Did they really think I was going to accept {$10.00} and go away? I called and spent 3 hours on the phone jumping through hoops never getting any one that cared about the {$12000.00} mistake. 
I have a screenshot of my account. Some alerts via text message, I also have the bank that gave me the loan for the XXXX  van ....

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 2021-09-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I initiated a transfer from WebsterBank to my XXXXXXXX XXXX for XXXX XXXX and the mines to be deposited on XX/XX/2022. WebsterBank stated I need to verify the account which I did. On XX/XX/2022 I received an email from WebsterBank that my transfer had been stopped due to needing further verification. The amount of the transfer was XXXX. I needed to send in my most recent bank statement from XXXX and my drivers license. I sent in the following information on XX/XX/2022 at XXXX pm. On XX/XX/2022 I called WebsterBank once again to find out the status of the transfer and was told my drivers license was not sufficient. While the agent was on the phone I sent yet another picture of my drivers license in an email. The agent, XXXX, states she has received the information and will forward it to the back office. What exactly is the back office? All I know is that WebsterBamk has my money and will not send to my other savings account. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
OnXX/XX/19 I refreshed my credit monitoring accounts and discovered again that an unauthorized inquiry was on my Trans Union Credit Report. I submitted to Trans Union on XX/XX/2019 andXX/XX/2019that this inquiry was not authorized and they have still not removed it. Additionally, there are MORE invalid/fraudulent addresses on my Trans Union credit report that keep being added when Trans Union removes the fraudulent addresses. Please remove the fraudulent addresses and unauthorized inquiry as this is the THIRD request for this. I have even written in to dispute this unauthorized inquiry XX/XX/2019 and Trans Union failed to remove the inquiry.

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 2019-06-12
Company: EQUIFAX, INC.
State: NC
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:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over XXXX months, I thought I would get a response from your company after XXXX to XXXX  days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and Experian are fraudulent on my credit : XXXX   XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2021-09-22
Company: GLA Collection Company, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  repeatedly submitted claims to the wrong insurance, even after they were told what the proper insurance for my son was. After several repeated, failed attempts to submit to the wrong insurance, they sent us a bill for XXXX. We contacted our insurance and they fixed the problem and paid XXXX XXXX  the amount owed for his XXXX. The woman at the front desk refuses to admit error and continued to press for an amount we do not owe. This happens continuously at that location with other families. We will not be bullied into paying double for the repeated mistake of their staff. If this is not removed after this second attempt a lawyer will be sought for damages. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I get repeated calls from this debt collection agency and every time I answer it, I say 'hello " 3-4 times and the call ends on their side. I am working when these calls come in and it is unacceptable. Today I finally took time from work to call this phone number back. I reach an agent with Midland Credit Management. Allegedly they 'bought ' a debt from XXXX. I asked this person for a debt validation letter to which she responded " We sent you one in XX/XX/2021 and can not send another but we upload all documents to our website that you can access ''. I educated this person that I am not comfortable entering identifying information on an unknown website and asked, again, for signed documentation that this debt belongs to me and a copy of the debt validation letter allegedly sent to me this year. The person argued that they can not send a new letter. Educated person that I am only requesting a copy of the letter they are stating they sent to me as I never received the first one. She said they can not access documents to resend and again referred me to the website. I explained the the person that if they are sending me anything that they should be saving/uploading the original letters and they should be accessible to be resent. This person and this agency is refusing to provide me with any proof that this debt is mine in addition to refusing to send me a debt validation letter via MAIL. I was on the phone with this person for 17 minutes and when I told her to give me the company website, name and address and mentioned filing a CFPB complaint she told me that she was having technical difficulties and I need to call back. I told her that is absolutely unacceptable. The call was ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOMEONE USED MY IDENTITY TO OPEN A FRAUDULENT ACCOUNT THAT I DID NOT AUTHORIZE. NAVY FCU DOES NOT HAVE MY SIGNATURE ON ANY DOCUMENTS OR PROMISARY NOTE EITHER! I DID NOT AUTHORIZE THIS ACCOUNT AND THIS IS MY THIRD AND FINAL ATTEMPT TO HAVE THIS ACCOUT REMOVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XX/XX/XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/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 2021-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted EQUIFAX several times, I have provided my social security, ID, and information to verify myself. I am not allowed or have been granted access to my report directly with Equifax. There are iquires on my report that I have not authorized from XXXX XXXX. I am uploading my information directly to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
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: Account status incorrect

Complaint:
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent numerous disputes to Equifax regarding a closed account for XXXX from 2001, to no avail.  Equifax has refused to correct the incorrect information in my credit report.  I no longer have an account with XXXX or an outstanding bill; however, the inaccurate information has been reported in my credit file repeatedly.  I have experienced a credit breach with Equifax and have attempted to resolve this incorrect information continuously for almost two years.  I am requesting the incorrect information to be removed from my credit report.  It has been removed with XXXX and XXXX, but Equifax continues to report inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: SC
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:
Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!

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 2020-08-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
A merchant has provided inaccurate information about their products. Once the merchant has sold me the products, I went home and starting to try the products ; however, I started to experiences side effects. The merchant told me that I would not. I then asked the merchant for a full refund, which they did not give me. Then I contacted Navy Federal to resolved the issue. They then advised me to give the merchant the product back, so it does not seem like I am trying to keep the products and get my money back. I did that. I called to check the status and they stated that I needed confirmation of receipt. I had to fight with the merchant to get the confirmation of receipt because they would not provide that. Navy Federal told me that they would not process my request because I did not have a confirmation of receipt. I finally was able to get the confirmation of receipt and submitted the documents through the portal. Navy Federal has informed me that they would not give me a refund because of the information that the merchant has provided to them. However, the merchant has provided me a partial refund in the amount of {$190.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Information belongs to someone else

Complaint:
fcra violations XXXX  caused my violations : see attachments : XXXX XXXX remove : Account Name ADS/XXXX/MYPOINTSRWD Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$350.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$200.00} Highest Balance {$350.00} Terms NA Payment History Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have sent XXXX numerous letters stating that they have inaccurate addresses on my credit report and need to be removed immediately, however they have not responded to me or updated any information. on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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: Old information reappears or never goes away

Complaint:
XXXX  and equifax are showing a XXXX XXXXl amount of {$21000.00} on my credit report as closed. I also filed a claim with them and they responded with the item was being deleted off my credit but nothing is disappearing after 2 months and my updating the system. My social is XXXX, my name is XXXX XXXX.

Company response to consumer: Closed with explanation