BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo has closed my personal, business and credit accounts for the reason of " business decision ''. I am not involved in fraud, illegal activity and/ or etc. 
Furthermore, they have frozen {$1400.00} of my credit card cashback rewards.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Today, XX/XX/2021, there is a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I have never applied for a personal loan with this company and need this removed from my credit report.

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 2022-12-06
Company: EQUIFAX, INC.
State: IL
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:
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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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 an 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 explanation
Consumer complaint received 2023-09-13
Company: DISCOVER BANK
State: TX
Product: Credit 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 made a purchase with XXXX XXXX on XX/XX/XXXX for {$130.00} USD for video game controllers. The company did not show any indication that the product would be delivered other than an update e-mail in XX/XX/XXXX that said orders were delayed. Since then the company has gone silent and multiple customers have come forward saying their orders were not fulfilled. I opened a dispute with Discover on XX/XX/XXXX to resolve this fraudulent transaction and they closed the dispute as a valid transaction on XX/XX/XXXX. There is no indication they received any communication or documentation from XXXX XXXX. When I contacted them on XX/XX/XXXX to appeal their decision they told me to reach out to XXXX for more information. XXXX still shows this as an open billing chargeback case under review, they were unable to provide more information at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I switched phone carries from XXXX to XXXX. XXXX paid the rest of my phone and i had some charges left over for accessories that i had. On XX/XX/2018 the rest of the balance owed to XXXX was paid. The check cleared XX/XX/2018. A few months after i started getting calls from a debt collector several times a day but never recieved any mail saying something was owed. I thought it was a scam becuse I paid all my bills. Recently i tried getting a credit card and was denied saying I had something in collections. When i talked to the collections company they said it was for XXXX. I went to XXXX to see why they sent me to collections when I paid the remaining balance on my old account. When i went in store it showed I did pay the remaining balance but in their system it showed that the account was only just cancelled not cancelled in XX/XX/XXXX. Then after about 7 months of my account actually being canceled they charged me for a months bill to a phone that was no longer in service and a phone number they no longer had. I sent a dispute into the collection agency since XXXX said it was out of their hands. I had to send it several times since they kept saying they never got it. When they reviewed my dispute they said it was still due in full. I should not have to pay for something that is not my fault. XXXX made an error which I have proof of and yet the collection agency says i still have to pay.

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 2023-05-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On or about XX/XX/XXXX  I attempted to pay my rent through the XXXX XXXX XXXXXXXX XXXX portal. The transaction was not approved due to a mismatch between the ZIP code on record and my address. When I went into the branch they at first verified all was good ( I had been receiving paper statements to my address for some time ), then upon further research saw that an old address had somehow been populated in another part of the system. My card had always worked on similar transactions, so this must have occurred recently. The branch made the correction, I tried the transaction again and it worked. Unfortunately, I was charged a {$150.00} late fee. 

I called the XXXX Customer Service number and was told the bank could ( would ) not refund the fee. I am registering this complaint in the hopes of being reimbursed the fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2020-01-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
repeated request to remove pMI from my mortgage payment. 
keep delaying the process. 
Finally receive the letter, dated XX/XX/2020, from pennymac stating that PMI has been removed on XX/XX/2020. However, the online payment page on PennyMac website is not updated, dated XX/XX/2020, and my mortgage payment for XXXX is due. I do not want to pay the penalty or the PMI which Pennymac stated has been removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. 

Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section XXXX XXXX ) ( XXXX ) : I will expect a written reply within the required 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX was notified by registered mail, please see attached, that I was disputing charges, XXXX XXXX reported that I paid late when I was disputing the charges

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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. 

XXXX XXXX : XXXX has violated my rights. 

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 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 2023-05-17
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 round trip tickets from XXXX XXXX via my Capital One credit card in the amount of {$170.00}. However, I had a dispute with this transaction after several incidents. Capital One took my dispute and adjusted the billing initially. When the merchant XXXX XXXX responded to the claim, Capital One adjusted the billing back to my account. I responded to the merchant 's response with my attorney 's letter and several documents. Capital One then closed my dispute and stated " can not assist '' for the reason that I didn't submit any response or required documentation on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a credit card that was in great standing that I paid off every month. In XXXX of 2014, they thought there was an inaccurate charge on my account and closed my account. They then would not accept a payment and sent it to a collection company who then sent it to a lawyer. They closed and charged it off BEFORE I was ever even late on a payment. They wouldn't let me even pay it. They never let me verify the charges they thought were fraud. They literally just closed it without my consent when it was in good standing. I have spent years trying to get them to fix it but all they will say is they don't own the account. I have the statements from 2014 showing I was completely on time on the account and the next month they charged the account off. I am now applying for a home loan and getting denied only due to these accounts as it is still affecting my credit by over 50 points! I have requested verification multiple times which they have never provided and yet some how it still is on my credit report even though I have done everything that is within my legal right and they won't do anything they are legally obligated to. I can not lose my home due to their mistake that is not even legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

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 2019-03-09
Company: EQUIFAX, INC.
State: OH
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 placed a fraud alert on my account after Equifax had a data breach. My social has been used numerous times. 

Recently it was used by an unknown thief with XXXX XXXX XXXX, I immediately notified them on XX/XX/XXXX when I received the alert. I was told by a representative that they had seen teh fraud alert and blocked the application and would remove the inquiry. 
Not only did they not do that, they RAN my social AGAIN on XX/XX/XXXX. 
WHILE I '' M CLOSING ON A HOME. 

Now i have TWO unauthorized inquiries by the same company. 
So I notified Equifax, The ROOT CAUSE of my social security number being leaked in their breach and they are refusing to abide by the FCRA and open a dispute. 

Per the FCRA the CRA, NOT ONLY the furnisher, is REQUIRED to investigate and remove inaccurate information In pertinent part " When a consumer disputes the completeness or accuracy of any information contained in his/her credit report, the consumer reporting agency ( CRA ) must conduct a " reinvestigation. '' The term " reinvestigation '' is a statutory term under the Fair Credit Reporting Act ( FCRA ). If the reinvestigation reveals that the information is inaccurate or can not be verified, the CRA must promptly delete the information. 15 U.S.C. 1681i ( a ). Failure to conduct a reasonable reinvestigation violates the FCRA. 

XXXX v. XXXX XXXX XXXX, 115 F.3d 220, 22324 ( 3d Cir.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. '' ( XXXX, 2019 ). 

Equifax had a data breach that is documented A data breach that included the theft of my social security number and personally identifying information.. 
Equifax 's negligence has had a SEVERELY adverse impact on my life Equifax was notified promptly of all disputes, fraudulent uses of my social and as such, has more than reasonable cause to initiate a dispute on my behalf as required by the FCRA> Per XXXX ( who refused to provide his last name and/or ID ) they are not responsible to investigate I requested a supervisor and received XX/XX/XXXX  refused to provide a supervisor, refused to abide by the FCRA, refused to open an investigation and refused to discuss options to resolve the account stating it was my responsibility to make XXXX XXXX XXXX abide by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX USAA rep informed me XX/XX/XXXX statement shows USAA BEGAN their Fraud Investigation the day I reported it on XX/XX/XXXX with Adjustment Purchases of USAA Credits. This is shown on the statement. 1 ) How could there be 6 Fraud Credit Reversals * BEFORE THE FRAUD WAS REPORTED ON XX/XX/XXXX??????? 2 ) What happened with the 17 Adjustment Purchases BEGINNING Fraud Investigations. Six ( 6 ) were REVERSALS * BEFORE THEY WERE REPORTED. USAA. What happened to those NOT REVERSED? So why is USAA NOT ACCOUNTABLE FOR THE FRAUD? There are NEVER 2 CREDITS FOR ONE PURCHASE TO REVERSE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my credit that I have no knowledge of and have been hesitant as I do not want alerts placed on my credit which is causing problems for me as I have issues accessing my credit due to previous Identity theft and unauthorized access to my report causing fraudulent activity and accounts being opened

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 2023-05-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 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 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 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 explanation