BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: PA
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:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XXXX to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2019-08-09
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice from the AARGON AGENCY - below is the email received from the company that it has been paid -- the company refuses to acknowledge it and says that I have not paid. 

Aargon Agency INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Reference Number XXXX Sunday XX/XX/2018 at XXXX XXXX Debtor Account : XXXX Collector : XXXX XXXX Info. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Mobile : XXXX Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Status : APPROVED Approval Code : XXXX Order No. XXXX Reference No. XXXX Credit Card : ending in Subtotal : {$130.00} Processing Fee : {$0.00} Charge Total : {$130.00} I AGREE TO PAY ABOVE AMOUNT ACCORDING TO CARD ISSUER. 

Signature : X XXXX XXXX XXXX As of XX/XX/XXXX, this debt has accrued interest and has been bought out by XXXX XXXX XXXX XXXX. Phone # XXXX XXXX I just do not think it is fair to charge for a debt that has been paid.

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 2020-03-04
Company: WELLS FARGO & COMPANY
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:
The following accounts were opened without my knowledge : XXXX   XXXX  XXXX {$1100.00} Collections XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX  XXXX  XXXX  XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX WELLS FARGO CARD SERVICES XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX All three accounts are listed on XXXX, and Wells Fargo is listed on all three credit reports, XXXX, XXXX, and XXXX. I have no contractual agreement with any of these three companies. They are trying to get me to prove that I didn't create this fraudulent debt, rather than assist me with removing these accounts from my credit reports.

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 2017-08-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge on my credit card several weeks ago, I contacted Wells Fargo to find out what the status was as I had not heard anything from them. Wells Fargo informed me that because I stayed the entire duration of the trip and used my credit card they could not dispute the charge. I explained to Wells Fargo that accommodations that we were promised and what was shown on the company 's website were significantly different. My daughter had to receive medical attention from the bug infested room we stayed in. We were out of the country and had already spent over 6000 for a room and could not afford to stay elsewhere. The room we were promised looked nothing like the actual room that we stayed in. The ceiling and bathroom room had mold and other major safety concerns. The room was not the size specified in the picture and the concierge level room was misleading.

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 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.

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 2021-11-27
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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 ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I submitted a complaint on XX/XX/2019 in regards to Bank of America not following the Federal law the Expedited Funds Availability Act. Today, this bank has place another hold, on another one of my accounts. This bank is purposely and illegally hold funds.

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 2017-12-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It 's seems like someone wanted to create a chase account in my name through their online website. The reason I know of this is because it appeared on my credit report. I currently live in an awful building with very poor security and I think someone has been watching my mail box. I already notified my landlord to change the locks on my mailbox. This has happen in the past where they have broken into the mail. I 'm try to move out this building but because of this hard inquiry it brought my credit score down. I open two credit card recently but that was only with XXXX XXXX XXXX and XXXX XXXX but that was to increase my credit so I could leave this place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was left by my ex husband. He had access to all my info and left all kinds of debts on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-03-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have contacted me over the phone a few times trying to get me to settle and I disputed the {$400.00} XX/XX/XXXX. Back in XXXX one representative said the whole account was in correct and tried to fix it but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started communicating with XXXX XXXX XXXX XXXX XXXX XXXX XXXXNMLS ID XXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I disclosed to her that I was working with another company as well. She indicated that she was able to match the rates and asked permission to run my credit. However, she has refused to respond to our queries since then. 

My concern is that she should not be stringing customers along when she does want to service their business. Moreover, she should not have run our credit reports either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: IL
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:
As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added XXXXIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO BEFORE YOU START THE INVESTIGATION BECAUSE WHEN THERE IS AN OPEN INVESTIGATION, WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS AFTER YOU HAVE COMPLETED THE INVESTIGATION. MY DISPUTE LETTER IS ATTACHED! MAIL ME AND MY DAUGHTER COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! THEN AFTER YOU START THE INVESTIGATION MAIL US A NEW FULL, PRINTED COPY! WE HAVE ALREADY MAILED AND FAXED COPIES OF THE ATTACHED DISPUTE LETTER ON XX/XX/20 AND XX/XX/20 BUT HAVE NOT RECEIVED A RESPONSE, UPDATE, NOTICE OF INVESTIGATE, NOTICE OF CHANGE, NOTHING! NO FEEDBACK WAS PROVIDED AS OF TODAY 'S DATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have email alerts with PNC to let me know if my account balance is below {$100.00} or if my account has become overdrawn. I logged into my account on XX/XX/20 after XXXX and saw that it was overdrawn - {$430.00}. I immediately transferred {$450.00} via XXXX to satisfy the overdrawn balance. I finally received an email notification from PNC advising of the overdrawn balance at XXXX, which is a full hour after I completed the transfer so I signed back into my account. The transfer had posted and I was still showing an available balance of {$18.00}. I continued to check my account multiple times during the day and that evening as well to make sure nothing else changed. There were no changes to my available balance in the Online Banking app and there were no additional email notifications received from PNC Bank. The next day, XX/XX/20, I signed into my account to complete another transfer when I was shocked to see that I was overdrawn - {$150.00}, {$100.00} of that being bank fees. I checked my email to see if PNC had made me aware of the overdraft on XX/XX/20, as I have until XXXX to make a deposit to avoid bank fees. The only email correspondence received was dated for XX/XX/20, and was sent at XXXX XXXX  advising that my account was overdrawn. A second email was received the same day at XXXX providing me with the exact amount of the overdraft but of course by that time I already knew but didn't understand why. So I waited until they're customer service department opened at XXXX and called. The IVR said that I did not have to wait and would receive a call back within 20 minutes. More than 2 hours passed with no call received so I called again and spoke with XXXX. I advised her of what happened and asked her if I did something wrong and that's why the fees were assessed. She said I had not and could not explain why PNC had not alerted me to the additional transactions prior to assessing the fees. I spoke with two representatives today who identified themselves as managers who both refuse to reimburse for the fees. They just blamed it on the merchant and the last manager told me I would be sent to collections if I didn't pay it within 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09
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:
Experian is reporting incorrectly ( 120 ) days late on XXXX CARD partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account was opened fraudulently and does not belong to me. I have attached correspondence from XXXX XXXX   dated XX/XX/2019 and XX/XX/2019 regarding this account and confirmation that this account was in fact opened fraudulently. This account has since been closed. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

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 2017-08-07
Company: Northland Group Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company sent me a collection letter XXXX XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the reference number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Investigation took more than 30 days

Complaint:
THIS IS NOT A DUPLICATE. You have not addressed the illegal violation. You had 30 days to investigate. You did not, therefore you must delete the improper designations. 

THAT'S NOT A DUPLICATE, THAT'S YOU STALLING AND LYING IN ORDER TO TRY NOT TO FOLLOW THE LAW!

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 2019-08-09
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Company -Delinquent Recovery -Amount {$240.00} This Debt was added to my credit last month report without any validation no notice through mail nor any contact was Made, I never received anything from this company I contacted them To Let Them know I am Not Paying Anything This Collection Date was A medical Bill From XX/XX/2015 Im not even Sure what this is For I had Insurance at that time I did not have a Balance from XX/XX/2015 according to XXXX XXXX I was not aware of this debt Without Proper Validation This Debt Collection Company Did not verify nor Validate this Debt It was just added to my credit report I am Requesting this Debt Be Deleted And Removed From My XX/XX/XXXXCredit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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:
Experian and XXXX are both reporting a company on my consumer report that is a direct violation to my privacy as a federally protected consumer. 
Direct violation to my HIPPA rights!

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 2020-05-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
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 convenience check

Complaint:
Received a " convenience check from HSBC BANK. Wrote the check to myself for {$2300.00} and deposited it in my credit union account at XXXX XXXX XXXX XXXX XXXX WA. state ) on XX/XX/2020. Money appeared in my account. On or about XX/XX/2020 received a letter from XXXX stating that the check was dishonored due to account ( HSBC Account which the check was drawn on ) being " Frozen/blocked ''. Money was taken out of my account in XXXX, the {$2300.00}. 

HSBC still says I owe them the {$2300.00} although that money was taken of of my account as the check was dishonored. I have called HSBC on four occasions with no real help in resolving the matter. I have written several letters to HSBC which were sent certified return receipt and have received no response. I keep paying the minimum payment in order to avoid HSBC reporting to credit agencies that I was not paying and thus having an adverse effect on my credit rating. 

I am so frustrated with HSBC. This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RI. Ss # XXXX. Lots of money stolen from me my whole life along with checks, trust, inheritance, properties ( deeds ) freedom and dignity. At this point Im barely able to stay feed and alive while Im homeless by no fault of my own

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