BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 Dear Ladies and Gentlemen : This communique is a complaint against Wells Fargo. Wells Fargo has charged 3 overdraft fees against me illegally. The only charge that I should have is for XXXX XXXX gas station. 


The other deductions for XXXX, XXXX XXXX, and XXXX XXXX were made before the XX/XX/XXXX charge at XXXX XXXX I checked my accounts to see if I had the funds to go to these fast food restaurants, and the funds were sufficient. 


This is the third time that Wells Fargo has illegally charged my account. Previously, they charged my account, and I made the automatic transfer from my checking to my savings account. So, I shouldn't have had to pay fees for accounts. 


Your immediate response will be highly appreciated. 


Sincerely, 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 monetary relief
Consumer complaint received 2020-11-23
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is stating that I owe them money and its on my credit but I do not have a contract with them. This account was also on my ftc report and I've disputed with the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
XXXX is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : *XXXX  XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 *XXXX XXXX/XXXX  XX/XX/2018 I have contacted XXXX to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My Transunion report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 *XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX  is XXXX XXXX XX/XX/2018.

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 2018-11-06
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX   XXXX/XXXX  XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX/XXXX  XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX   XXXX/XXXX XXXX. XXXX  XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have almost 30 fraudulent inquiries on my report and a collection account that is fraudulent. I have disputed this THREE times with Equifax and they refuse to remove the fraudulent information. The collection agency completed their investigation and determined FRAUD and asked Equifax to remove it, yet it is still there. Everytime I call they tell me something different and this is seriously preventing me from obtaining credit ( home mortgage ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 looking for a mortgage. I limited all of my mortgage applications to within 3 days of each other. However TransUnion treated each one like a new inquiry and my score dropped 35 points in a week. No activity on my credit other than the inquiries.

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 2019-01-10
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently checked my credit report and noticed that Santander was reporting to XXXX  and XXXX. Previously I disputed this information with XXXX because I was not sent a certified letter ( ever ) or served with any letter letting me know that I had the option to buy back the vehicle or be set up on a payment plan. I was not given any notice of sale letting me know when and where the vehicle would be sold in order to redeem the vehicle. I was never given a post notice of sale of deficiency explaining that there was any adverse action or balance due. My rights were completed violated and Santander has never contacted me about this matter. I just stumbled upon it when I was looking into my credit report due to hearing about company breaches.

The information I was able to gather from my credit report is that the car was set for repossession XX/XX/XXXXin California and sold XX/XX/XXXX. Under the laws of the state of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Since I never received any type of notification this is in clear violation of my rights. This item was removed by XXXX  due to a dispute and it needs to be removed from both XXXX and XXXX as well.

There is another issue that I am seeing is that the reporting company Santander Consumer USA originally listed the past due amount as {$5900.00} in XX/XX/XXXX and this amount has increased incrementally since then to the total of {$9100.00}. I still have not received any verifiable information from the company about this and neither has XXXX.

I am requesting that this account be deleted because no copy of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle has been provided. The alleged claim of a deficiency and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a clear violation of the FDCPA and FCRA.

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: ND
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 contacted XXXX, Experian, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!

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 2018-09-04
Company: Weinberg Mediation Group LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A received a threatening " robocall '' today at XXXX from XXXX XXXX XXXX XXXX. Here is what the robocall said ( paraphrasing ) : This is a final courtesy call from the Weinberg mediation group. Before reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. 

The problem is, i do not owe anyone for past debts or any unpaid debt other than what is on my credit report that i pay timely. 

I googled this number and several complaints have been noted from calls all over the US asking you to call another number. This is a SCAM.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please. 
XXXX  XXXX  I have 2 accounts that should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection company is trying to collect an early termination fee of {$3000.00} but doesn't have a valid contract. Apartment complex XXXX decided to swap out a page of previously signed contract and the terms of my contract. The complex automatically broke the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm being charged for membership to a country club that I have never visited nor knew of its existence. I barely make enough money to survive and I can not afford any type of membership to clubs or fitness places. This derogatory mark is affecting my credit. Please, see if you can help me to have this removed from my credit report. Thanks. 
Below is a copy of the charge. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Derogatory marks View all accounts Collections M G Credit Opened XX/XX/2016 {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$2200.00} Highest Balance {$2200.00} Opened XX/XX/2016 ( 3 yrs, 2 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Capital One has provided inaccurate information regarding a dispute, in essence not allowing it. I called in the day the fraudulent charge occurred and was lied to about the dispute process. When calling in the day before payment for amounts which would include the disputed amount was due, the bank informed documents were noted in my account and if the disputed amount is not paid, interest on it would apply. The bank stated I did not provide proper documents regarding the dispute which is not true. The retailer, Walmart, stated I would be contacted regarding the dispute and I was not. The retailer, Walmart, put in inventory a product that belongs online. Walmart charged more than the sticker price for it and did not inform it could not be returned  after charging me more than the price tag cost of it. I dispute the charge and am not being allowed a dispute of the charge in a manner protecting me from the charge or added charges in a way that is transparent or reasonable. No documents are seen on the web page of Capital One which was stated to me today I was responsible for reading. What the bank and retailer are doing is fraud. It is a fraudulent business practice to charge above a price tag on an item without explaining the charge would be added to the item, and it is fraud to not inform a customer both the charge on the price tag, an the added charge not explained was not returnable. No return policy was explained before the purchase, which Capital One states I was responsible for explaining to them while confusing me about allowing a dispute after the disputed purchase is paid, forcing interest on an item the bank has refused to dispute. No explanation that correspondence was requested to be online was provided when making the dispute on the day of the purchase ( XX/XX/XXXX ) was given while stating a letter would be mailed by XX/XX/XXXX if the item was not one a dispute for would be upheld. Walmart, once again, informed I would be contacted regarding the dispute yet did not contact me. These practices of each retailer seems designed to overcharge without reasonable recourse, hence the complaint I am presenting here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this collection account, please remove it from my credit.

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 2019-03-30
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received over 330 calls from XXXX  XXXX  since I started keeping a log in XX/XX/2018 ( see attachment ). I have never done business with XXXX. I do not owe them any money. They are apparently trying to locate someone that I am not acquainted with ( one XXXX XXXX? ). Since they are trying to locate someone other than me I have not responded to them. 

OVER 330 CALL SINCE XX/XX/2018!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: BBVA FINANCIAL CORPORATION
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:
XXXX XXXX system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in Compass bank. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There is a charge of {$31.00} on my GM MasterCard that happened on XX/XX/2018. I claim that two billing cycles went by after that {$31.00} charge where I received NO paper bill per my account settings. When I noticed an email notification that the account had been frozen I immediately called and paid the account, and requested a review of the paper billing process. I also requested that CapitalOne remove the derogatory information from my credit report, as I feel that either the mail, or the CapitalOne billing system failed to deliver a bill to me. Please note that the delinquent amount reported was for this one {$31.00} charge plus a couple of late fees. There is hardly any reason to assume financial hardship on my part as a reason for the late pay, and furthermore my credit score at  the time was better than 800 I've never missed payments in the past. 

I will attach two rounds of recent communication w/CapitalOne where I once again ( recently ) requested that they remove the derogatory information from my report. 

The first letter from me is rather lengthy, as I wanted to address the things that CapitalOne representatives told me by phone when I initially tried to resolve the issue late last year by phone. Aside from addressing those phone calls, the essence of request # 1 is " I didn't receive a paper bill, can you please remove this information from my report? ". Their response was to recite a fact that is not being contested, ie " the payment posted late ''. Yes, the payment posted late because I was not billed. 

The second letter from me is quite brief. I ask CapitalOne directly what is their policy when a customer claims to have not received a bill in accordance with the account settings ( in this case, a paper bill delivered by U.S. mail )? Their reply is quite stunning, as it totally avoids the question that I asked, and simply restates the non-contested information " the payment posted late ''. 

I do not feel like the responses from CapitalOne lives up to the standards of proper consumer interaction, nor is it consistent with fairness in credit reporting. 

I am requesting that CapitalOne directly answer my letter # 2 questions and/or remove the derogatory information from my credit report. 

Thanks for your attention to this matter. 
Sincerely ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no knowledge of this collection account, please remove it from my credit.

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 2021-08-13
Company: EQUIFAX, INC.
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:
First and foremost I DO NOT consent to any automated scan response or e- Oscar verification methods conducting your deceptive investigation. I have disputed personal information and there was no change. The personal information that is in correct is the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX. I have never lived there it is not my address of abode. I am enforcing you to remove the incorrect address. Also I have discovered that the accounts listed below is fraudulent. I have sent in pervious documents including an FTC, XXXX Attorney General Office complaint more than 30 days ago. I am only allowing an internal investigation within the days of 3 24 hours upon receipt for this matter to be resolved and dismissed. I am distress for the time period of this matter to be resolved. I sent in factual documents stating true facts of the unfairness and unprofessionalism. My character was being defame, my information was used without my consent Pursuant to FCRA that is in fact a violation. As a natural person and a consumer I am master, you are the minor and as The Congress implied that Equifax must exercise their grave responsibilities. You are a consumer reporting agency furnishing my personal information without my consent or from a judge. Do you know that is a major violation? I will move forward in filing a law suit. I have attached the documents to be read.

Company response to consumer: Closed with explanation