BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: AR
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:
XXXX  continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XX/XX/XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NC
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 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.

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 2022-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report there is a hard inquiry from an organization called XXXX. The date of this hard inquiry is XX/XX/2021. I did not apply for credit from this organization on XX/XX/2021. 
I am a victim of identity theft and I want this hard inquiry removed from my credit report immediately. I am enclosing a copy of the identity report that I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Payment Option : Direct Deposit Bank or Credit Union Name : CAPITAL ONE N.A. 
Routing Number Ending In:XXXX Account Number Ending In:XXXX Account Type : Checking The texas department of workforce commission has not deposited the direct deposit into my XXXX checking account as instructed, capital one is indiciating that the federal reserve has not released the payment into the account, please help me they are stating, XXXX is stating that they will reach out to upper management to make a excpetion or ask about a exception, please help that is a XXXX dollar bonus right now with covid that really helps

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new bank account in XX/XX/2023 with Citizens Bank. The bank teller, XXXX XXXX XXXX has proven she is unfit to handle money. 

OnXX/XX/2023 I made a cash deposit of {$600.00}. Before I left I checked the receipt and noticed it was not deposited into the correct bank account. She put my money into a complete stranger 's account. At first she questioned if I knew my account number and didn't want to admit her mistake. I got the manager involved and he fixed the problem and was able to reverse the money back into my account. 

Also, on XX/XX/ she missed place {$100.00} of my deposit. Every time ideal with this teller she losses my money. She tries to tell me that she balanced the books, and I'm wondering if she's pocketing my money or if she's putting it somewhere else and somebody else 's account again. Unfortunately for me, when I left the bank I had a doctor 's appointment to run too and I did not catch her error until after the bank was closed. 

This {$100.00} was for my business account as a nonprofit founder. These were donations, not my personal money. This money is meant to pay my bills so I can continue to help other veterans. And, XXXX XXXX misplaced XXXX funds. The amount I deposited was {$590.00} ( one check for {$200.00}, XXXX XXXX {$100.00}, XXXX XXXX  {$20.00}, XXXX XXXX {$5.00}, XXXX XXXX {$1.00} XXXX {$590.00} ). If needed, I can provide a list of donor 's names and the event information where these donations were collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the collection agency " Firstsource Advantage LLC '' {$2100.00} on XX/XX/2021. Despite this payment in FULL, the collection agency is refusing to notify the original creditor, XXXX XXXX XXXX , that the debt is paid in full. Therefore, I have a charge-off of {$2100.00} reported on all 3 credit bureau reports by XXXX XXXX XXXX XXXX Further, I logged into the payment website for Firstsource Advantage LLC on XX/XX/2021 at XXXX XXXX  XXXX and the account STILL shows a balance of {$2100.00} ( documentation attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
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:
On X/X/17 I mailed a letter to the company asking them to remove an inquiry from my report because I am sure that I did not authorize it. I mailed it to the address the company provided to the Credit Bureau that they pulled the inquiry from. USPS returned the letter to me with a sticker attached that read, " Return to Sender - Attempted not known -unable to forward ''. This means that the company is not providing the credit bureau or consumers with an accurate address in which to inquire about or dispute information inaccurately being reported. This is completely unfair to the consumer and a clear violation of my consumer rights. 

I have attached a copy of the envelope with the notification from the postal service, a copy of the letter sent inside, and a copy of the address reported to the bureau, pulled directly from the report provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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:
Equifax I checked my credit report from you and the account you stated deleted is still on my report enclosed are your response and my credit report still showing account .Please remove the account from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a Wells Fargo customer for more than 15 years for both Business and Personal accounts. Over the last 2 - 3 years as I began moving my business account to XXXX XXXX XXXX, Wells Fargo began charging me overdraft fees for the previous day, even though my account was not negative. My deposits go directly into XXXX XXXX XXXXXXXX now, but I still have some auto paying bills that have not moved over yet. I have an alert set up on the account if my balance is low or goes negative, so I can make a deposit to cover. Over the last 2-3 years, I have been charged well over $ XXXX in overdraft fees. A good example, I was on my account this morning and it was not negative. I got an email and text at XXXX XXXX that my Wells Fargo account went below my balance, which is the alert I set up. I saw when I logged on that a {$35.00} overdraft fee was charged, because the date on the withdrawal was yesterday, but my account did not go negative until today. My account was not negative last night or in the morning. I transferred money into my account to cover the payment. I have called several times to Wells Fargo about this and they say the transaction time is from yesterday when it came into their system and the money was not in the account at the time of the transaction. They hadn't paid or reversed the transaction yet, and I had the same amount in my account last night as I did this morning. The alert, overdraft, and withdrawal all came in at the same exact time at XXXXXXXX XXXX. Always before a couple of years ago, if a transaction like that happened in the past, I would get the alert, cover the withdrawal and no overdraft. They have taken literally XXXX of dollars from me in overdraft fees on this technicality. I have called and asked how can you assess an overdraft at the same time you send out an alert, but the answer I get is it is a system issue. This " systems issue '' excuse only propped up in the last couple of years. I am trying to get away from them as fast as I can, but I have been a customer for so long that I have a lot of bills that I still have to move to XXXX XXXX XXXXXXXX on my already busy schedule.

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 2023-10-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been trying to re-establish my personal credit profile account by means of clearing of all the listed unauthorized charge offs on the account. The Debt that is under my name and credit profile is not my debt, as has sold and sent to a ( n ) debt collections company, therefor is automatically considered fraud As I'm the Original Creditor, there shall not be any means or reasons for me personally to have to pay back a balance that is already owed to me, according to Title 15 USC 1666d ( a ) ( b ) ( c ) - Treatment of Credit Balances. I have already attempted to remove the charged-off accounts on my profile before, through the CFPB, however there has been nothing done on the other end to remove these closed accounts from my credit profile so that I can then extend my credit as a consumer and creditor. Any attempted action or act to hold me up from my rights to exercise credit is unlawful, unjust and unfair. It is also brought to my attention while checking my personal credit profile that there are allegedly " late payments, '' however, late payments are illegal and also shall not affect the creditor/consumer for any means or by any means necessary, according to Title 15 USC 6802 - Obligations with respect to Disclosure of Personal Information, stating that a financial institution may not disclose nonpublic personal information to any nonaffiliated third party. In this case, the listed banking institute ( Navy Federal Credit Union ) has already sold the debt ( that originally is not owed by me in the first place, as I'm the Creditor ) to a third party debt collections institution, really making it illegal for me to have any obligation to this, and additionally I should not still be seeing these charge off accounts on my credit profile with late payments posted next to it. I should not have any, of this showing on my public records, that is, on my public profile. Therefore, I request that this all gets cleared by means of removal from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Their investigation did not fix an error on your report

Complaint:
verify data for this account request to be provided proof of this item specific proof about ownership of debt, by consumer protection law if unable to do so lacking proof remove account from my credit report XXXX XXXX XXXX Inaccurate Address on account, no knowledge of account/not mine

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
I have Proven time and time again, and XXXX XXXX, Trans Union, all agreed account with XXXX XXXX  was opened fraudulently!!!! Yet XXXX keeps it on my report lowering my scores due to the fact that if you look on my credit report. It shows deleted! Then put back on. I've disputed over 30 times due to XXXX false reporting. I've submitted written proof of this as well as paying {$170.00} debt the company keeps lieing about. Even though not mine. I only did on XXXX PROMISE THEY WOULD REMOVE ANT BOOST MY SCORE. I EVEN ADDED UTILITY BILL, RENT PAYMENT, NEW BANK ACCOUNT AND XXXX HAS STILL DONE NOTHING THEY PROMISED WOULD BE DONE, TO INCREASE MY SCORES. IF YOU WANT PROOF CALL ME SO WE CAN ARRANGE MY SENDING ALL DOCUMENTS CONFIRMING THIS IS TRUE AND CORRECT. 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 2023-09-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted procollect multiple times via phone call and via electronic requests through the procollect website. they have not provided any information other than the total of my debt i allegedly owe and who filed it. XXXX XXXX XXXX was the company that filed the debt. They did not contact me prior to sending me to collections for the amount they are claiming I owe. In addition I have been contacted approximately XXXX2 times from phone number : XXXX ( XXXX ) XXXX, this occurred between XX/XX/XXXX and XX/XX/XXXX for this debt. Even after telling them I will be disputing it. They told me it was too late to dispute the debt and that they are considering it true and accurate.

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 2023-03-15
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 account number XXXX has violated my rights 15 i 15 u.s.c 1681 section 602 A ..state that I have the right to privacy. 15usx. 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 explanation
Consumer complaint received 2021-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint XXXX previously filed complaint I received 1 cash advance from 5th 3rd 6 months ago off my XXXX credit card. Filed complaint here and there resolve was to mail me a check for XXXX. I had to pay XXXX cash advance fee and I am being charged 25.9 percent interest monthly which averages XXXX per month and it has now been 6 months so 6 times XXXX plus I have other charges on this card and can only pay my minimum each month so these charges are going to continue to accumulate I need Fifth Third to prove to XXXX  that I only received 1 XXXX cash advance that day so all fees and interest get rrmoved and stopped for this advance I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have corresponded with this company multiple times and each time I 've told them this is n't my debt and I 've requested validation as well. They recently sent me what they deem validation but it does n't belong to me. It 's a copy of a  XXXX   XXXX    XXXX    check where she paid  XXXX   XXXX   XXXX  a {$10.00} payment. I 've never lived in Texas and my name is n't  XXXX   XXXX . With all the identity theft going on they 're not careful enough to protect other people. It also has an address I 've NEVER heard of or lived at and has some  XXXX   XXXX  as my significant other. The only  XXXX   XXXX  I know of is the   XXXX   XXXX  .

Company response to consumer: Closed with explanation