BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/XXXX, I purchased an excursion for Alaska  through XXXX/XXXX XXXX in the amount of {$450.00}. The transaction shows a date of XX/XX/XXXX. 

I bought insurance for the excursion from XXXX XXXX for {$26.00} on the same date ( XX/XX/XXXX ). The transaction date shows XX/XX/XXXX. 

On XX/XX/XXXX, I purchased another Alaska excursion through XXXX/XXXX XXXX in the amount of {$230.00}. The transaction date shows XX/XX/XXXX. 

I bought insurance for the excursion from XXXX XXXX for {$13.00} on XX/XX/XXXX. The transaction date shows XX/XX/XXXX. 

Totaling {$730.00} I purchased these excursions in XX/XX/XXXX for my XX/XX/XXXX XXXX XXXX. The cruise was canceled and I rescheduled for XX/XX/XXXX. Instead of receiving a refund, the company said they would honor the two excursions for the XXXX XXXX XXXX 

I then received word from my travel agent in XX/XX/XXXX that XXXX/XXXX XXXX was in financial default and no one would be receiving their money or get their excursions. I was told by my agent to file a claim with the credit card company for a refund due to NOT receiving the services I paid for. I filed a claim by phone on XX/XX/XXXX. On XX/XX/XXXX I received notification that the claim was denied and closed. 

I went inside the bank this time on XX/XX/XXXX, to file another claim. I spoke to an associate who had to file the claim by phone. She explained to the person that I had not received the services for which I paid for and explained to them the business was in financial default under receivership ( State of Wisconsin ). The person told the associate the issue was between me and the merchant. She then reiterated that the business was in financial default. The claims person said they were not responsible for the Government shut down and refunding me the money. 

On XX/XX/XXXX, I attempted to file a claim online with Wells Fargo. I can not do so because the online banking is not showing the transactions for those purchases. It shows all my other purchases, but not those mentioned above. I do have them on my XX/XX/XXXX bank statement. 

The debit/VISA credit card used was through Wells Fargo Bank. 

Thank you in advance for your assistance.

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 2020-03-03
Company: Experian Information Solutions Inc.
State: HI
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:
Mail them this letter : Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please send an updated credit report reflecting any changes that were made.

I demand the following accounts be verified or removed immediately.

Please send me an updated copy of my credit report reflecting any changes made.

Account name and number Provide Physical Verification XXXX XXXX XXXX Unverified Account

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 2022-02-25
Company: EQUIFAX, INC.
State: IL
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need this account be deleted immediatly in my credit report! 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: TX
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 two companies that trying to get the same money ... XXXX XXXX XXXX  the original credit reports charge off balance XXXX ... and still report account incorrectly ... .they sold account to XXXX XXXX XXXX XXXX XXXX .they are asking XXXX ... ..will upload proof two letters from both companies asking ... XXXX XXXX XXXX  should not be reporting anything it should show sold/transferred they are in violation.

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 2022-02-25
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to complaint # XXXX. Your response stated that Caliber Home loans will overnight me a check by XXXX in the amount of {$3500.00} on XXXX. I have not received a package from XXXX, and the tracking status shows pending. I called XXXX on XXXX, and asked why the package is still in a pending status. I was told that pending means that a label has been created, but no package has been received by Caliber Home Loans. I called Caliber and the representative that I talked to tracked the package and got the same status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions 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:
XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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 2020-03-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citibank customer service representatives continue to lie and delay action. I messaged via online chat and was told 'Thanks for confirming i have successfully processed the refund and you can expect to see the fund in 3-5 business days. ' After over a week had passed I reached out again 'It will be there with in 2 business days ', 'As per the recent update it may stil take 4 more days. ' and most recently spoken with a customer service supervisor who said she would follow up, but clearly something is broken with Citi 's processes.

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 2023-10-16
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a response from you all about the credit agency complaint number XXXX. 

Unfourtunately, I believe that you all are allowing the bureaus to break the laws according to FCRA laws which state that the bureaus are suppose to response within a reasonable time frame of 30 days. Yet, they have not even responded until I sent a complaint via you all. Also you all know about the CARES ACT and this violates that as well. TransUnion was recently involved in a case for actions like this. 

There actions of not responding to me in a timely matter and keeping this inaccurate information that is not even mine on my report is preventing me from getting a safe and affordable place to stay for my family and I again.

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 2018-01-31
Company: TekCollect Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked at my credit report and found a collection for $XXXX from TEK Collect, this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NE
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 received notice from several monitoring agencies of fraudulent and unauthorized hard credit inquiries ( 4 so far ) in the span of 12 hours beginning XX/XX/XXXX in the evening and through XX/XX/XXXX in the morning. I took action to freeze my credit profile with all three bureaus then began to dispute the unauthorized inquiries that are dropping my credit score ( XXXX points overnight ). Experian doesn't allow inquiries to be disputed online per the message I received on their website while logged in to my portal. They say you have to call, but then are unable to be reached via the number provided. I tried many times and searched out several other customer service numbers for them to try over a few hours of my work day to reach someone. The IVR is impossible to navigate to a person and limited in it's ability to assist while also being the only option for assistance I have. It was unable to help me dispute an inquiry- same as the website, so I'm at a loss and victim of fraud and the monopoly of credit reporting agencies that offer poor customer service and inability to perform necessary tasks relating to maintaining a true and accurate credit report with timely resolution. I tried calling XXXX as well for the same issue- to dispute fraudulent and unauthorized inquiries- and was informed their systems were down and there was nothing they could do until the system was back up. They asked me to call back in 15 mins. That is unacceptable considering the existence of fraud requires timely resolution. These bureaus have a monopoly over consumers and through no say of ours we are owned by our credit and credit scores- therefore hostage to the bureaus who then offer no customer service whatsoever. THIS needs changed! It's unacceptable. If they were private companies in competitive industries, consumers would leave them and take their business elsewhere. They'd be forced to offer viable service or go out of business, but because they are a monopoly and consumers have no choice, we stay victim to their ways with no recourse and they skate by without any repercussions.

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 2023-02-23
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I received funds from IRS to account that has been closed for over 6 months. Navy Federal Credit Union stated that account was closed over and over and that I could not deposit or no longer use account. Today XX/XX/2023 NFCU has allowed funds to deposit into a closed account without returning them to sender or giving me a heads up regarding funds sitting in the savings account which is closed also. They have stated to me via phone recording that they will not release funds and has not given me an alternative to get funds after requesting them to send funds to me. I am now playing the phone game with NFCU to try and contact someone to assist with this issue with no luck l.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I setup automatic payments for my son 's preschool with Ally bank. Ally, through a third party company, would mail a check directly to the preschool and debit my account. In late XXXX, the check for XXXX 's tuition was stolen and cashed by an unknown person. I have tried to get reimbursed for these funds as I had to write a second check to the preschool for tuition. For six months, Ally has given me the runaround and provided no solutions, and has yet to reimburse the {$180.00} ( although they said they would ). Ally has also been unable or unwilling to provide me with an image of the check that was cashed, despite numerous requests. I have contacted customer service, Ally 's fraud department and even reached out to a senior executive ( who was initially helpful, but still no progress ). Any help would be greatly appreciated.

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 2018-12-27
Company: CONTRACT RESOLVE GROUP LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX called me from XXXX but left a call back number of XXXX. He said he was trying to reach my neighbor XXXX XXXX about a debt collection and I needed to reach him and have him call them. I told him this was highly unprofessional and he shouldn't call clients neighbors. It actually turns out he had my maiden name from 14 years ago and was calling about a very old neighborhood. He told me calling neighbors isn't illegal and he can do what he wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-07
Company: ID Analytics, 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: Account status incorrect

Complaint:
I received a letter from XXXX XXXX indicating I had been denied for an auto loan. A credit reporting agency, that I have never heard of, XXXX XXXX had a very low score for me, even though I have an excellent credit score from the top three credit reporting agencies! I have called them numerous times to freeze my credit with their agency, but they have not responded! They also had several inaccuracies on my report! This is FRAUD!!!!! I want them to freeze my credit report! Look at the number of complaints against this agency! Something needs to be done!!!

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 2022-12-31
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting onmy credit report which is a violation of FCRA. The Bureaus failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failedto properly investigate the matter by using a third party as their verification provider andhave continued reporting the unconfirmed & unverified information. Given all myattempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent andnon-complying with federal statutes & I need this matter handled immediately. Pleaseremove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXXBalance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA 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 explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Accounts 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief