BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Id had Wells Fargo for over 5yrs and when I asked for a credit limit increase I was told I had to back with Wells Fargo before I could get a credit limit increase so I cancelled the CC with Wells Fargo I dont like them at all

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX OHIO - {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXXXXXX XXXX XXXX - {$490.00} Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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
Consumer complaint received 2018-02-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX FCO ( Fair Collections & OutSourcing and I reached a settlement agreement that with a payment of XXXX my account with them would be considered closed and settled and updated to reflect that on my credit report to reflect settled in full ( See attached ). The payment was made to them and I received a confirmation letter dated XX/XX/XXXX. In XX/XX/XXXX i checked my credit and the account reflected as : Open and with a balance of {$3400.00}. At this point I disputed the information and received a letter back from the creditor ( See attached ) stating that the account has been reported correctly. They have not stuck up to their part of the agreement and my credit has been impacted from XX/XX/XXXX until today. I would like this information to be updated on my credit to what was agreed upon. I have been turned down for an apartment due to their inaccurate reporting because it does not reflect that i have paid them in a settlement.

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 2023-01-21
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent Credence a letter disputing an account that they placed on my credit without sending me any collection notice prior to putting it on my credit report. 

On my credit report it shows XXXX  being the original creditor,. I am a current customer of XXXX  and my account is active and in good standing, so I called them in XXXX 2022- and they stated my account was in good standing. They said they did not have any account of mine sent to collections. 

I have reported Identity theft ( fraud ) to Credence  regarding this and I also sent in the fraud paperwork. They have yet to remove this account. 

This account needs to be removed immediately, Ive placed fraud alerts on all three credit bureaus as well. 

Ive included my letter to credence  and their response, as well as a copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/2021 I am shocked that I called Transunion on XX/XX/2021 and was assured that all fraudulent information and incorrect names attached to my report would be removed within 24 hours.

I checked my credit report ( attached ) via the Transunion site XX/XX/2021 and found that these erroneous items are still on my report. 
1. My correct name and ONLY WAY I WOULD EVER SPELL IT is XXXX XXXX 2. My correct address is XXXX XXXX XXXX, XXXX XXXX, MA XXXX and I HAVE NEVER LIVED at any of the addresses listed below and dont know anyone who does or ever did. 
3. None of the phone numbers listed below are associated with me in any way and never have been and I have never ever seen them. 
Remove these incorrect names : XXXX XXXX XXXX XXXX XXXX Remove these fraudulent addresses : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Remove these fraudulent phone numbers : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Remove all these fraudulent addresses and phone numbers as I am not associated with any of them and never have been. 
Remove the incorrect names as I would never apply using for anything using those spellings and my handwriting is very legible. 
Thank you, 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 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: MD
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:
My Mortgage company ( SLS ) XXXX XXXX XXXX incorrectly reported to the credit bureaus that I was late on my payments 8 times in a row ( @ XXXX to XX/XX/XXXX ). this is not the case. I called on at least XXXX occasions from XXXX to XXXX of XXXX. I was then told to write a letter, which I did, and they did move forward to remove the false reporting from XXXX credit agencies but they will not remove the false reporting from Experian. I have been unable to move forward with refinancing another home because of this and the time for me to do so is dwindling down. I have called an additional XXXX times and although they acknowledge that all of my calls and my issue is documented, they refuse to move forward with resolving this issue by contacting Experian to remove this false report with no explanation as to why they are disadvantaging me in this way.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Steady overdraft my accounts make me pay so many fees

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 2022-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I got my first car loan on XX/XX/XXXX and on XX/XX/XXXX, I decided the interest rate was too high for building credit so I made a balloon payment to pay off the whole loan. It showed {$0.00} left for me but I wasn't aware of the little interest left that didn't show up until next month so I missed it. Fifth Third Bank ONLY sent letters to my address that I wasn't living in and never sent me a single email about this issue. I change residency frequently because I'm chasing temporary jobs for job experience. They sent letters to my address in XXXX. I left XXXX  late XXXX and I've been living in XXXX  ever since. 

I checked my account, they do have my email on file and their emails do not get marked as junk either. I got a late charge on XX/XX/XXXX and only after they mark my account as delinquent in XXXX is when they decided to call me about the issue and I made a payment over the phone and it was fixed right away. 

I check my email every day and all my banks ( besides Fifth Third Bank ) and credit card companies send emails and letters to me. 

They didn't offer me any help other than to make this complaint. Please remove this from my credit history. This doesn't reflect fairly of my credit trustworthiness since I didn't fail to make a payment in time and Fifth didn't properly inform me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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:
I like to file a dispute for an unidentified item on my credit report for the following : XXXX XXXX for {$65.00}. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. I have reached out to this company to no avail requesting information about this account and they can not give me anything. Please review and remove this fraudulent item from my credit report immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management is trying to collect {$3500.00} from me for an account that does not belong to me. They said its for XXXX XXXX XXXX which I currently have and i have always been in good standing with them. I called XXXX XXXX and they told me I have never even been late in a payment and that I do not owe them money. They advised me to call Midland to dispute this. Midland credit management had up to 15 fraudulent account open under my social security number at one point. They remover most of them but left two that definitely do not belong to me. The second one is for the amount of {$1800.00}. I have no idea where this collection came from. This account also does not belong to me. I have put to much into having good credit. Every time I call Midland they do nothing to try to clear up these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/XXXX, I PAID THE FULL BALANCE OF {$180.00} ON MY ZALES CREDIT CARD. I DID NOT HAVE A BALANCE DUE. ON XX/XX/XXXX THERE WAS A SERVICE FEE OF {$3.00} OF WHICH I WAS NOT MADE AWARE OF. I HAD A XXXX BALANCE SO I DID NOT GO BACK INTO MY ZALES ACCOUNT. I DID NOT GET AN EMAIL OR LETTER STATING THAT I HAD A PAYMENT DUE OR ANY OTHER NOTIFICATION. IN XXXX SO I DID NOT MAKE THE PAYMENT ON THE DUE DATE IN XX/XX/XXXX. I GOT CHARGED LATE FEES AND IT WAS PLACE ON MY CREDIT REPORT AS A LATE PAYMENT. I CALLED ZALES AND THEY REMOVED THE LATE FEES BUT STATED I HAD TO PAY THE SERVICE FEE OF {$3.00} WHICH I DID. THIS 30 DAY LATE PAYMENT HAS BEEN PUT ON MY CREDIT REPORT EVEN THOUGH I HAVE NOT HAD XXXX LATE PAYMENT IN YEARS. THEY THEN DROPPED MY AVAILABLE BALANCE FROM {$3500.00} TO {$100.00} WHICH ALSO AFFECTS MY CREDIT. 
I AM REQUESTING THE LATE PAYMENT OF {$3.00} IS REMOVED FROM MY CREDIT REPORT AND MY CREDIT LIMIT BE RAISED BACK TO {$3500.00}. THIS HAS AFFECTED MY OVERALL CREDIT REPORT SCORE. I HAVE WORKED REALLY HARD TO PAY MY BILLS ON TIME AND I NOW HAVE A MARK ON IT FOR {$3.00} WHICH IF FIND RIDICULIOUS! WHAT AM I PAYING A SERVICE FEE FOR. I HAD A XXXX BALANCE!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had consistent problems getting into my Equifax account for the past few months. Early in XX/XX/2020 I talked to a customer service rep about this, but she did not understand what I was talking about ( not English speaking, not very well trained, etc ). During the conversation a survey interrupted the call, and then the call was cut off. I sent an email to XXXX who said they would contact me within 2 business days and gave me a case #. They did not follow through on this. I called yesterday XX/XX/2020.. again the same problems. Could not understand the rep. While she was checking on her end the survey came on again and cut off the call. So I had to call back an start the process again, and the same thing happened. They have not bothered to contact me via phone or email to try to solve the problem. I sent another email to customer service, said they would have someone call us within 2 days. With something this crucial I can not believe that there customer service is so TERRIBLE. The reps do not have any training. Most are foreign speaking which makes communication horrible. Who is the watchdog for Equifax? This is very serious, and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XX/XX/XXXX, I submitted a CFPB complaint against National Credit Adjusters and how theyre reporting a debt supposed it owed to them incorrectly. I disputed that the open date is showing incorrect on my XXXX, XXXX and XXXX of an incorrect open date of XX/XX/XXXX, which is incorrect! According to what they sent youll via response showed that the supposed date of last payment was XX/XX/XXXX, not any dates in XXXX. I am asking that this account be deleted due to inaccurate reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was charged a {$700.00} charge that was not supposed to and due to this was charged ISF fees. Making my acct negative & I had bills that came out and got more fees. Then Once they deposited the {$700.00} back they never did the last fee and then the acct stayed negative with almost {$500.00} in late fees. And now its over {$1000.00} in fees. 

They should have gave me back my late fees. So my account could be positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As of today XX/XX/2021 i still am not able to get a copy of my credit report from transunion. i have been using the XXXX XXXX XXXX option and been getting my free reports each week. but now all the sudden transunion is saying that i submitted a dispute on XXXX which i dont recall and that since the dispute is in progress that i cannnot access a new credit report or any credit report until the dispute is completed which is obviously XXXX days. thats not right i have never heard of that nor has any othe credit bureaus dont that. so then u obviously dont get access to your report once a week. the last tyime i requested a report was 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 2023-08-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX XXXX, 2023, I stopped at Webster ATM to withdraw money from my checking account. The slip said invalid transaction. I physically went to the bank to ask why I could not take my money out. I was told that checks were stolen from my account. 
They froze my account, asked why I was not notified about this. After several days of going back and forth, was told you need to talk to Management. The bank says the Webster fraud called our landline. I called the fraud line, they apologized for not leaving a message on our answering machine. We were not home, at XXXX office. 
In the meantime if I had not gone into the bank to find this out. I would have continued to write checks and continued thinking everything was good. On XX/XX/XXXX they closed account and issued new a new one. Told we would get new cards 6-7 days new checks about 3 weeks. In the meantime bills were late. Because we were never informed of this happening. Webster should be held accountable for any late fees. XXXX fraud lines told how to leave messages?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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