BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: CURO Intermediate Holdings
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: VA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved notification from a collection company for a retail ( Walmart ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with Walmart. In XXXX of XXXX I enrolled in a debt relief program XXXX   XXXX  and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a Walmart account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd Walmart account that does not being too me, I've never paid to a second account, I have Walmart statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd Walmart account. I put a dispute in with XXXX  and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with Walmart since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY WALMART ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX XXXXI Account No. XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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

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 2021-12-07
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/XXXX I made a purchase at XXXX for {$2500.00} and activated the XXXX Feature on my card. On XX/XX/XXXX the purchase was refunded in full by XXXX and a credit of {$2500.00} was posted to my account. 

On XX/XX/XXXX I requested the refund be applied to my Plan and was told this was completed. Once I received my first statement, it was not canceled out, it was somehow reduced so now my balance is a little over {$900.00} and it wants me to make a {$130.00} payment... I have zero conference in what is going on right now and how the XXXX a credit gets applied but not fully. 

I've done several chats and calls into customer service to only be given the same run around about how it will be applied next statement... I was told the same thing before my first statement as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-02-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is the law, that I receive my statements on time, however, I am having issues with Select Portfolio Servicing because I am not receiving my monthly statements on time. Today is XX/XX/XXXX and I have not received my monthly statement. In XX/XX/XXXX I did not receive my statement until XX/XX/XXXX, again in XX/XX/XXXX I received it on XX/XX/XXXX. It is aganist the law not to receive my statements, and why do I have to request my monthly statments. My statements should arrive 12 days prior than the due date, but again today is XX/XX/XXXX and I have not received my statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX XXXXXXXX  on an overdrawn account. I have been in communication with the credit union and agreed with them to pay my account in full {$910.00}. I paid the full balance to the credit union in cash. I have a copy of my receipt and a copy of my paid in full letter showing the debt has been taken care of in full. The Collection Bureau of America is trying to collect more money out of me even though the issue was resolved with my credit union in full. They are refusing to remove the account off of my credit report which is currently detrimental during this pandemic. I can not receive the SBA loan with this on my report, hence why I made the arrangement to pay. Please help remove this. It isn't a credit card, or a loan it was an overdrawn account. Thank you for your time. I have attached my paid in full letter and my receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common.

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.

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 2022-10-04
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Discover bank, have 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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
FDCPA SECTION 807 VIOLATION FALSELY REPORTING

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 2023-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2021 was told by money gram that I was going get my refund of XXXX 10 business days it passed that reached out a few time said the same thing I'm tired I been checking my bank to see about a deposit nothing so I'm reaching out hoping you can help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}

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 2023-05-08
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with Wells Fargo slightly over 4 months ago. Pre-Covid-19 Pandemic. They had a promotion at the time offering a {$400.00} dollar bonus if certain conditions were met, Including funding the account within a certain time frame, receiving direct deposits, keeping the account open, and so on. I met all of the requirements of the account, except for receiving a direct deposit totaling {$4000.00} over the 4 months. ( to be accurate, i missed the number by $ XXXX {$42.00} ( depending on the representative i spoke to ) The reason for this was due to the pandemic, specifically the local emergency orders prohibiting me from working. Due to this, the direct deposits in my account had to cease. I tried to call Wells Fargo to see if we could reach some kind of agreement. The representative over the phone was nice and seemed to agree with me, but after checking he said there was nothing they could do. I think this is unfair to consumers because no one could have foreseen the coming pandemic and the issues it would cause. Had they extended the deadline by just a bit longer, deposits would have began again. The branch by me was not even open at all times during the pandemic, making it impossible for me resolve the issue another way or speak to a banker. 

Furthermore, I am also concerned with an issue that I have specifically with Wells Fargo, when I go to ask for rolled coins, they are short changing the rolls and not providing the amount paid to them. I have ordered rolls of quarters ( {$10.00} rolls ) and on multiple occasions received rolls missing $ XXXX {$0.00}. This also applies to rolls of Dollar Coins. I have received rolls of dollar coins which contained a quarter in the middle of the roll. Several rolls have contained foreign currency instead of american dollars. I have brought this to the attention of at least two branches, one located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and another located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Most times the bank has rectified the error when i realize it when opening the rolls in the bank, but many times the missing money has only been realized once the rolls are in use, and the bank will not acknowledge fault in that case. The bank has said that the issue could be because they don't check the rolls that customers drop off. This may be  short changing people of thousands of dollars if occurring at a national level.

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 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been unable to make payments due to financial constraints. I was able to enter into a payment agreement with the company. However, due to an error by my work, funds were directed to a closed bank account. Therefore I was unable to make a payment as agreed upon. They started calling me several times a day. I finally got word back from my work when I would receive those payments and decided to answer their collection calls. I was speaking with the agent and notified him of my predicament and let him know I would be able to pay past due payments and be caught up with the payment agreement in 7 days when I got the money. He told me they were going to repossess the car and asked where it was. I told him he was not going to get it from me and that I would make my payment in 7 days. He then threatened my saying they were going to take legal action for hiding the car. I then proceeded to tell him the car was with my wife and that she was traveling ( which is the truth ). He then accused me of lying. And was yelling at me for lying to him ( which I didn't, I told him I wasn't going to give him the car, not that I didn't know where it was. ) He continued to threaten to proceed in a court of law. He also stated that he talked with my wife and she said to call me. He stated that I had to be lying about the cars whereabouts because she told him to reach out to me. I am the one in charge of finances, which is why the debt collectors were referred to me because I am the one who knows when we would be able to make the payments and for how much. But he continued to insist that I was lying to him and continued to threaten legal action against me for refusing to surrender the car. I then requested a supervisor. The supervisor was very polite and understanding of the situation I was in. He told me that the department they were in would not know anything in regards to legal actions and were not allowed to make legal decisions or discuss legal matters. He stated that the attempts to repossess the vehicle would continue until the payment was made and that they looked forward to receiving the payment the following week and wished me the best of luck. I fully understand the attempts to contact me and attempts to repossess the vehicle. However, threatening legal action ( which is legally not allowed ) when someone is honestly trying to pay the debt and has been put in a bad situation due to unfortunate circumstances is beyond aggravating and I will ensure that any future auto loans are not with Capital One Auto Finance.

Company response to consumer: Closed with explanation