BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: MD
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 made several attempts to have erroneous credit inquires removed from my report. Again, most recently I sent correspondence to all three bureaus to have fraudulent inquiries removed. I have received correspondence back that the inquires are valid. I have had no business dealings or authorized the pull my credit profile for these entities.The Fair Credit Reporting Act Section 609 ( Consumer Disclosure Section ) entitles me to this. 


XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
State: MO
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:
I notice on my credit report that is nothing changed, no negatives and no collection but my scores went down in the month of XX/XX/XXXX. I did consolidate my student loans but my credit worthiness ( CREDITORS ) is the same on all three Federal Credit Bureaus. The total amount that is owed is the same ; but my SCORES went down from XX/XX/XXXX ( EX - XXXX XXXX - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX ) XX/XX/XXXX ( EX - XXXX XXXX  - XXXX XXXX - XXXX  ). There should have not been any decrease in scores going downward if there were no negatives or collections, NO BAD REPORTING. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and UPDATED ON CREDIT REPORT. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I HAVE SENT DISPUTE TO THE FEDERAL CREDIT BUREAU AND HAVE NOT RECEIVED ANY EXPLANATION OF THEIR ACTION.

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 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A charge for {$370.00} was made on XX/XX/XXXX at a Kohl 's store in California. It was a fraudulent charge as I live in Massachusetts and was not out of state at that time. I received an email from Kohl 's on XX/XX/XXXX that my card statement had a balance. I called to submit a fraud claim and also close the account. I never heard anything back from Kohls and did not receive a letter. The charge remained on the account. 

I called again on XX/XX/XXXX and was told the first fraud claim had been closed for some reason. No notes were entered as to why. The woman I spoke with opened a second fraud claim at that time. As of XX/XX/XXXX, the charge is still on my account and I was told by the customer service rep, that since it is more than 30 days overdue, the credit bureaus were probably already informed of the late/missed payment. 

I think this is ridiculous and this should have been fixed long ago. The fact that my first fraud claim was erroneously closed should prompt Kohls to work to quickly resolve this issue. I have had excellent credit all my adult life and I really don't need this to XXXX it up. Each Kohls rep I speak to tells me something different so I really don't know who to believe anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been contacted by Diversified Consultants on several occasions in reference to a XXXX bill that they say was not paid. I closed the account and did not owe that amount at the time I closed the account. A Diversified Consultants ' representative has called for months threatening legal action as well as affecting my credit. They have also tried to settle for less but would not remove the negative account that they have reported to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Those were the last dates they reported to the credit bureaus but they reported them several times prior to that as well. I filed a dispute with XXXX XXXX on XX/XX/XXXX and I saw an increase with my credit scores but the negative collections report still appears on my credit history. On XX/XX/XXXX I received a call from a representative from XXXX XXXX XXXX ( XXXX ) who offered a reduced payment of {$210.00} but also said they would still report it to the credit bureaus. I have been dealing with this issue for about a year and I have not been able to get any relief. Any assistance would be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: LA
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 paid XXXX/XXXX off because of their outrageously high rates and they reported it as account closed instead of the real reason! TYPICAL XXXX WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Shellpoint Partners, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX2020 I refinanced my mortgage abd newrez still show the account open on my credit report csusingba lower credit score. 

In addition, I've asked for detailed accounting because thet couldn't get my closing amounts correct or accurate and I've yet to receive that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2021 I made a normal loan payment to Wells Fargo bank of XXXX. 

On XX/XX/2021 the loan through Wells Fargo bank was paid in full by XXXX XXXX group. 
On XX/XX/2021 Wells Fargo charged me XXXX for interest for the paid off account. I paid the payment to ensure no late fee or bad report on my credit assuming Wells Fargo would correct their mistake. 

On XX/XX/2021 I reached out to Wells Fargo requesting a refund of my credit balance as well as the interest charged. I was told the money would go back to the account that I made the payment from ( XXXX ) I've made several phone calls and never allowed to speak with a supervisor to resolve this issue. I was told to talk with XXXX for a refund however XXXX did not make the payment, I did. 

I received the XXXX credit via check from wells Fargo but they still refuse to refund my XXXX stating they are investigating. 

I only made the payments to remain in good standing. Wells Fargo sent a letter stating they had 10 days. It is past their own deadline and now they are saying they have extended the time. I just want my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX a customer inquired on purchasing an item from me. I have messages to prove this And they will be attached. This person first contacted me to deliver to them at XXXX XXXX XXXX, XXXX MI. The person first cash apped me for delivery. At XXXX the customer viewed the product felt the quality agreed to the Payment and cash apped me and I delivered the product. At XXXX this person contacted with unreasonable demands of me refunding her for an altered product at which I declined. The person stated, " It's okay, I will just dispute the whole thing. '' However this is not a disputable matter as she receive the product she paid for. I withdrew the funds from my cash app however the funds are no where to be found and I've contacted cash app on multiple occasions to no success. I've sent emails and I've contacted XXXX. The purpose of this complaint is my Matter has not been heard in this dispute and my funds are not available to me as they should. In addition my XXXX XXXX XXXX birthday was XX/XX/XXXX they will show several deposits that day for her birthday. Around XXXX yesterday I withdrew the money from the deposit from the person " XXXX '' and so all the money that I do not show as available was my daughters birthday money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Opportunity Financial, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recently had a new Approved with OopsLoan acct # App-XXXX {$2700.00} Amount of finance and total payments {$4700.00} Annual rebate is 169.86 % Company located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Is that legal to charge Over 160 % on a personal loan in California? 
I used this company 3x and felt that they were overcharging me on The interest rate I am a residence of Ca any max set rate for state for CA? 
Thanks you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: GA
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:
I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. XXXX has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave EQUIFAX, XXXX, or XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the Emergency Room at XXXX XXXX on XX/XX/XXXX and even though I provided my health insurance card information I started receiving invoices from the agency Credit Collection Services. During XXXX, I contacted XXXX XXXX Department on XX/XX/XXXX, XXXX and XXXX and they told me they sent the invoice to the health plan. After more than 1 year, I contacted XXXX Billing Department on XXXX and XX/XX/XXXX and informed Credit Collection Services was sending me invoices through mail for a bill that was paid by my health plan. The agent XXXX from XXXX XXXX Department told me that the issue was solved and that XXXX should not be sending more invoices to my house. On XX/XX/XXXX, I contacted Credit Collection Services and spoke with supervisor XXXX XXXX who told me my explanation of benefits wasn't enough because XXXX Faculty Physicians never removed the hold in my case. I explained XXXX XXXX that the explanation of benefits clearly shows that my health plan paid for the services and there was XXXX charges for copayment. On XX/XX/XXXX I contacted XXXX Billing Department again and agent XXXX told me that she was going to refer my case to her supervisor because the case was closed with CSC on XX/XX/XXXX. 

I can't believe after 1 year, the Credit Collection Services agency is sending me letters and telling me that I owe {$170.00}. I provided evidence through the portal www.ccspayment.com that shows I don't owe anything for copayment for the services provided on XX/XX/XXXX by XXXX Faculty Physicians. Also, when I called XXXX Billing Department they told me they close my case with CSC. 

XXXX XXXX DEPARTMENT XXXX CREDIT COLLECTION SERVICES XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BAM Management US Holdings Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back on XX/XX/2021, Binance.us locked my account. I could not trade, deposit, or withdrawal ... a complete freeze. I have complied with their instructions immediately as well as submitted multiple support tickets to them. I have received no action and no responses. Today is XX/XX/2021 and they have held my funds captive for 2 months with no communication. They claimed there were chargebacks on my account at the time of freeze. I reached out immediately to rectify any issues, however, I was unable to take action nd deposit any funds since they locked my account. I do not think holding my funds captive is according to law. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Southwest Recovery Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from Southwest Recovery Services for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and learned this is for a rental debt owed in the city of XXXX XXXX, VA in which I have never been a resident of that city. This debt was fraudulently placed on my report without my consent. I've requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. 
Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished 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 2019-08-19
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: Old information reappears or never goes away

Complaint:
The company is Exsperian...I applied for a loan at XXXX  loan and they said my score is XXXX  which on exsperian it shows my fica score XXXX.  Exsperian never update credit scores so that the consumer can see my credit score increases.  You also cannot speak with anyone at Exsperian.  You have to mail your issues with them in.  I think this is fraudulent.  My scores are totally different with XXXX  and XXXX  they are at XXXX.  '

I really need a loan and Exsperian is not updated their scores so that the bank can see what I see...Its totally unprofessional and fraudulent....

If I go on exsperian and see a score whoever I give my permission to check my credit they should see the same score....But they do not and all I want to know is why?

Its very disturbing to me and fraudulent why Exsperian is not updating or reporting the same score to banks , etc/

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Acct # XXXX improper 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 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a large XXXX deposit to my business checking acct. 
It was drawn on an out of state checking acct which had local branches. In the past my bank manager told me to deposit such a check in their ATM so it would clear overnight to which I did. I immediately got a 10 day hold placed on it. 
The person who wrote the check immediately checked his bank 24 hrs later and spoke with his bank and they confirmed the check cleared and Bank of America was in possession of the funds. 
I went into my branch to explain the situation and they were not helpful and tried to tell me they had to hold he money in case it was returned in which that's ridiculous or the money wouldn't have been paid out in the first place. They also told me their policy on check deposits changes aprox 10 days ago and that's why they can do what they did. I asked XXXX the XXXX, Me branch manager as to why their business customers were not notified as to a change in deposit rules and she told me " They don't have too '' which I believe is a violation in banking rules. 
The deposit was made on XX/XX/XXXX and cleared into BOA on XX/XX/XXXX. After my discussions with them they agreed to let me have my deposit on XX/XX/XXXX. 
This has happened before and it isn't right, when I can show the check has cleared they should release it immediately with out a fight over it. Instead they are purposely holding it for interest bearing reasons

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 2020-05-27
Company: Credit Card Receivables Fund Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX COUNTY REPORTING A FALSE DEBT COLLECTIONS THAT NEEDS TO BE REMOVED BY THE COURTS Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past du FTC VIOLATIONS The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit  Reporting Act. [ 3 ] [ 4 ] COMPANIES INVOLVED : : : : UNIFUND CCR PARTNERS   XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have a loan with Wells Fargo Dealer Services for a used car. They have reported to the three credit bureaus that we have made six payments that were over 30 days past due. The credits reports show we were over 30 days late XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX This is not true at all, as we have never been OVER 30 days past due on making a payment. I have called Wells Fargo Dealer Services and spoke with them about this reporting issue. I was told that they would fix this reporting issue, and get our reports changed to show that we had not made any payments over 30 days late. This has never happened. We also disputed this in writing with no change. This is causing us to have serious credit problems, and keeping us from buying a home. If this does not get resolved we will contact a lawyer.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
In accordance to Fair Credit Reporting act Company, MY rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ALSO REPORTING INFO INACCURATELY WITH DIFFERENT AGENCIES..LATE PAYMENTS DONT MATCH UP.

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