BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: TRANSWORLD SYSTEMS INC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit and found that this company had me in collections. I contacted the company and they told me they sent a letter to collect the debt and XXXX XXXX did also. I didnt receive the letter or I would have taken care of it. I offered to pay in full over the phone as long as they took it off my credit but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called Bank of America to report some fraudulent charges and they opened claims and credited my account for the missing/misused funds. After about a month or so, they did chargebacks and took those funds back out of my account causing a negative balance on my account. I called and spoke to a rep and reopened those claims because although I know someone accessed my cards without my knowledge, I didn't know who it was. I explained to the rep that I had family members who were displaced due to COVID19 and unknowingly to me, those family members allowed their friends to come freely in and out of my home. Those family members have since been made to leave, but someone still accessed at least 2 of my debit cards, and I have no idea who it was. I just know they used my cards without my permission and I contacted my bank to handle the problem. Instead of my bank handling the problem, they closed my account and revoked my access to it. I have been a customer since 2011 and this is how I'm treated. I have never had any issues like this in all my years of doing business with Bank of America, but they closed my account and blocked my access.

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 2017-12-25
Company: EQUIFAX, INC.
State: NJ
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:
On or about XX/XX/2017 I submitted a request to EQUIFAX to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 

More specifically, EQUIFAX is required by federal law to verify and PROVIDE PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. 

Despite numerous, requests, EQUIFAX has NOT done so for : XXXX XXXX a/c XXXX XXXX XXXX XXXX XXXX XXXXXXXX a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my account with best buy back in the spring of XX/XX/XXXX and paid what little I owed. I never heard from them until XX/XX/XXXX a statement that I owed them XXXX for late fees but there were no charges on my card. I called best buy and informed me I did not owe late charges and they could not tell me what the late charges were for since I cancelled the card in the spring of XX/XX/XXXX. I called the bank that manages the card Citibank I told them I canceled the card in the spring XX/XX/XXXX they said I closed the card in XX/XX/XXXX. I received another letter from Citibank about fraud I called them told them I cancelled the card around XX/XX/XXXX the young lady told me it was closed in XX/XX/XXXX. She did not help me much so I called Citibank again and talked with another lady. I asked her when did I close the credit card she told me it was XX/XX/XXXX. It is evident that neither Best Buy or Citibank knows what they are doing. I did not owe them the XXXX charge that I paid. I want to report this so it does not happen to some one else. I will never do business or my family with Citibank or Best Buy ever again!

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 2019-01-28
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the I c systems several times and told them that the debt is not mine. They refused to help.

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 2019-05-12
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:
I sent dispute letter to Transunion on XX/XX/2019 disputing several accounts found on my credit profile that I did not own. This dispute was received by Transunion on XX/XX/2019. In return TransUnion sent dispute results on XX/XX/2019. Validating all of the debt. I sent a method of verification letter in occordance to FCRA 611 ( a ) ( 7 ) to TransUnion on XX/XX/2019. TransUnion received this notice on XX/XX/2019. TransUnion has yet to respond to my request for method of verification.

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 2019-01-28
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE DENTAL OFFICE SENT THE COLLECTION COMPANY MY MEDICAL ISTORY WHICH INCLUDED MY PAST AND CURRENT MEDICAL CONDITIONS AND MEDICATION I AM CURRENTLY TAKING. THIS IS A HIPPA LAW VIOLATION. I NEVER AUTHORIZED XXXX XXXX XXXX TO RELEASE MY PERSONAL AND PRIVATE MEDICAL INFORAMTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: AMERICAN EXPRESS COMPANY
State: NC
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 rewards from credit card

Complaint:
Recently got an American Express/AMEX Gold card with a {$250.00} annual fee. That card is advertised as providing 4x membership rewards points on U.S. Restaurants and U.S. Supermarkets ( up to $ XXXX in annual spend ). The restaurant transactions routinely code improperly, as XXXX points, even though the establishment 's coding to AMEX is clearly listed as " Restaurant-Restaurant. '' About 30 % of charges on my last 3 statements code improperly. Many of these are third party processor issued transactions, such as from XXXX or XXXX, but not all. I have opened two customer service cases with AMEX. I've called in 4 times, and chatted via online chat 1 time, for updates. This is over a 6 week stretch. They keep stating it'll be 2-3 weeks upon which I'll get a call, but I have not. I remain unable to gain resolution on this issue. 

This issue has been reported on many major travel sites - from XXXX to XXXX, as well as on the XXXX AMEX forums and on multiple XXXX   pages. It is beyond unacceptable that a company such as AMEX can not appear to be able to systemically remedy this issue or handle customer service for it, appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Was not notified of investigation status or results

Complaint:
THESE 3 COLLECTIONS WERE REINSERTED ON MY CREDIT. I WAS NOT NOTIFIED WITHIN 5 DAYS FROM THE CREDIT REPORTING AGENCY, THEREFORE, WE ARE IN IN LITIGATIONS. ( 1 ) COLLECTION SERVICE Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo reached a settlement regarding mortgages between XXXX and XXXX. I purchased my home in XXXX with Wells Fargo and struggled making payments. I asked for assistance with any program and asked to even reach a settlement in an effort to keep my home. Wells Fargo did not work with me at all and I lost my home in XXXX. Becoming homeless due to Wells Fargo pushing me out of my home.

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 2022-04-27
Company: EQUIFAX, 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:
Equifax did not do a proper investigation into the issue. They continue to misrepresent the information and label it correctly. Date of first delinquency is not accurate. According to the original creditor. This is a continuous issue with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
reviewing my credit report I noticed that there were many errors in the same one that is affecting me. Several names, open accounts that I do not know, requests for credit cards without my consent, hard consultations and soft consultations. For these reasons I was denied the opening of a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions Inc.
State: MI
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 attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXXDusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXXand this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.

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 2022-04-27
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has been going on for several years now and the company refuses to stop collecting on the bogus XXXX fees even after stating they would stop. 

I received yet another collection letter from them yesterday and have sent them another validation of debt request to which they will not respond because it is not possible for them to validate a bogus debt. 

The letter they sent does not have the correct license plate number for my car listed. They know this, they have been told this for years. 

I do not have an account with the company they claim to represent. I use their competitor and have had an account in good standing with them since I have had the car. 

This company is fully aware they are illegally trying to collect a debt I do not owe but they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has 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 instruction.

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 2017-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is with Bank of America XXXX XXXX affected me from XX/XX/XXXX-XX/XX/XXXX. I pay a vehicle loan by monthly and a payment would be due in the middle of the XX/XX/XXXX. The storm wiped out all communications. The financial institution was not open. 
I have been unduly charged a daily finance fee for not making a payment on time. This institution is collecting funds that are not due them under the conditions florida & I were dealing with.

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 2017-12-25
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Received a Summons and complaint XX/XX/2017 from XXXX district court from Discover Bank Attorney in, in the amount of {$6000.00}. 
- I have reached out to discover on numerous occasions and reported that this was not me nor is the debt incurred mine, they have yet to validate my debt. I have also informed them that my identity was stolen and I have Documentation from the police and also the IRS to prove so. 
I have sought counsel in regards to this matter. 
I have also checked My credit report and I have no debt from Discover on there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: National Credit Systems,Inc.
State: CA
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:
To whom it may concern, I am submitting this letter to dispute one ( 1 ) in proper XXXX XXXX that is appearing on my credit report. On XX/XX/2014 09 XXXX XXXX XXXX are stating that I owe a previous balance XXXX. I do not have any knowledge of the debt that the company is demanding, I would like a full investigation of this matter. 

With all the information that I have provided to you, I ask that my complaint be conspired as a dispute or considered as fraudulent charges made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit status due to an attempt to achieve contracts for small business opportunity and I discovered someone has accessed and used my credit without my authorization. Accounts as well as inquiries now appear on my credit as a result, I learned I was impacted by the credit breach within the bureaus and I have filed an identity theft police report under legal advisory of my attorney. Please remove and/or update the following inaccurate information from my report as provided : My current address is XXXX XXXX XXXX . XXXX . XXXX XXXX, WA XXXX. My current employer is XXXX XXXX XXXX, not XXXX ( as it appears currently ). The following accounts are NOT mine, delete- XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. I have disputed these accounts in the past, even paid them with the intent to get off my report due to hindering business opportunities against advice of my legal team. I did not authorize listed inquiries, please remove from my credit report or be prepared to prove that I did authorize/request them. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2022-04-27
Company: Reliable Credit Association, Inc.
State: WA
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 disputed the information via XXXX site 2-3 times. Says account is closed and no current payment being made. Account is very much open as I make payments every month. It was included in bankruptcy but not discharged! Kept in good standings. XXXX failed to verify any of it and says it's correct, when trying to upload proof to XXXX it will not work. Also contacted Reliable credit card asked for a payment history, nothing yet and it's been 2 weeks!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX, has 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 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 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