BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: Experian Information Solutions 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:
ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN 100 = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON XXXX AND NOW 3 ON XXXX. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT CREDIT ONE REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
XXXX XXXX                        
1. XXXX XXXX XXXX                                     1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX XXXX  3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS XXXX XXXX ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX vs. XXXX    and XXXX, et al v. XXXX XXXX  

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

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 non-monetary relief
Consumer complaint received 2018-03-23
Company: Sterling Infosystems Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I phoned XXXX XXXX XXXX on XX/XX/XXXX to dispute the " adverse '' information they provided to my potential employer, XXXX on XX/XX/XXXX. I was told by XXXX they would only check back 10 years, XXXX went back to XXXX, they then reported to XXXX that there was adverse information from the MN XXXX 's office. When I told XXXX  that I contacted the XXXX 's office and was told that there were no open studies on me nor was I disqualifed, the person I spoke to told me that XXXX asked for any disciplinary action ever taken against me to be added to the report even though it was outside the 10 year time line and irrelevant to the job I was applying for. The disciplinary action happened when I worked as a registered nurse, I have not worked as a nurse since 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 2020-01-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On the morning of XX/XX/2020 i got onto the Wells Fargo website to research how to close my account. The FAQ 's on their website said to : " Step 1 : Prepare your account for closure : Your account must have a positive or zero balance. 
All deposits, outstanding and pending items must be posted. 

Step 2 : Contact us to close your account : Call us at XXXX Or visit a Wells Fargo near you. 
If outside of the U.S., complete the Account Closure or Partial Withdrawal Request form and send it to us by mail. '' I did an online banking internal transfer from my Wells Fargo checking account to my Wells Fargo savings account leaving my checking at a {$0.00} balance. I then transferred my Wells Fargo savings balance to my Wells Fargo VISA leaving my savings account at a {$0.00} balance. I had no other pending transaction on the account. I had completed step 1. 

I then called the number listed and was informed I had to wait to close my account because of the pending internal transfers on my account. I could try to call tomorrow to close the account. i wasn't even given an exact date of when I could close my account. 

Nowhere in the account agreement or the online FAQ 's was this specified. An internal transfer should not hold me up from closing my account. I believe this is yet another Wells Fargo internal practice to collect any potential NSF or Returned Item fees if anything tries to clear my account. Although I know for certain I won't have anything clearing, I still felt the need to report this shady and unnecessary money grab by Wells Fargo to protect other consumers. Having worked in financial institutions for over 17 years, this practice is unethical and 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 non-monetary relief
Consumer complaint received 2021-01-04
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got Collection letter from this company and the debt is not mine. Never initiated business with this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: First Data Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX and XXXX, XXXX my XXXX account was compromised and my card information on the account was used for 9 different transactions for a total of {$820.00}. After reading my email on XX/XX/XXXX I noticed an email confirmation for something i did not buy. I immediately called the XXXX XXXX XXXX   XXXX  customer service and put a block on my card and had them send me a new one. I tried to contact the seller " XXXX '' to get a refund. They told me i need to contact XXXX and get a refund through them. I proceeded to file a dispute claim through XXXX for all 9 transaction. After a couple days i got a Refund on 3 of the transactions for {$61.00}, {$36.00}, {$56.00} for a total of {$150.00}. XXXX XXXX sent me a form on XX/XX/XXXX that i completed with all of the above information. They sent me a letter dated XX/XX/XXXX that stated " Based on the results of this investigation, your claim has been denied due to inconsistent conflicting information given.You have the right to request copies of the documents that we relied on in making our determination. We consider this claim resolved and your claim has been closed. '' On XX/XX/XXXX i wrote them a letter stating that i would like them to reopen the claim and credit me for the total amount minus what was already refunded, {$670.00}. I also stated that i would like to request the documents that they used for their investigation. It is now XX/XX/XXXX and i have not received a letter from them yet. All of the transactions are listed below, including the three refunds i received through XXXX. I would like to have my account credited for {$670.00}. 



XX/XX/XXXX XXXX ( {$590.00} ) {$1900.00} XXXX *XXXX.XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$59.00} ) {$1600.00} XXXX *XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$63.00} ) {$1700.00} XXXX *XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1700.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$41.00} ) {$1700.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$36.00} ) {$1800.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX  XXXX XXXX XX/XX/XXXX XXXX ( {$61.00} ) {$1800.00} XXXX XXXXXXXX XXXX *XXXX XXXX XXXX  XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX XXXX   XXXX  XX/XX/XXXX XXXX ( {$41.00} ) {$1900.00} XXXX *XXXX   XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX   XXXX XXXX XX/XX/XXXX XXXX ( {$55.00} ) {$1900.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$2000.00} XXXX XXXX-XXXX  XXXX XXXX  XX/XX/XXXX XXXX ( {$56.00} ) {$2000.00} XXXX *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 monetary relief
Consumer complaint received 2019-04-03
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:
In XX/XX/2018, and again on XX/XX/2018 and again in XX/XX/2018, I filed a dispute with XXXX  for XXXX XXXX account listed on my credit report. I got a generic response back of validated, that the account was correct and validated. I asked for the credit bureau to supply me with documentation on how exactly this account was validated according to the Fair Credit Reporting Act. They failed to do so and it has been well over 30 days. I requested for XXXX  not to use the XXXX  or automated system in validating this account. I have extensive reason to believe that this account was not validated according to the Fair Credit Reporting act section 609 a 1 a. Also I have reason to believe that the credit bureau XXXX has violated the Fair Credit Reporting act again by failing to validate the debt within the investigation period of 30 days according to Fair Credit Reporting Act 611. I have repeatedly requested the alleged signed original contract that XXXX  has on file for me because I have contacted this XXXX XXXX XXXX and they have yet to provide me with a signed original contract as well with in FCRA guidelines. I believe since this account can not be validated that according to the Fair Credit Reporting act it should be removed from my credit reports immediately. I have contacted XXXX  via certified mail # XXXX and again via cert mail XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TD BANK US HOLDING COMPANY
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:
Friday, XX/XX/XXXX Attention XXXX XXXX XXXX, It is unfortunate XXXX continues to send me statements for an account I never applied for or purchased items with. The short is on XX/XX/XXXX a XXXX employee informed me that XXXX  XXXX XXXX could be used as a rewards card for savings, not a credit account. When she clarified it to be a credit account, I told her to cancel it. She agreed to do so. I paid for items at XXXX that day in the approximate amount of {$150.00} with my XXXX XXXX XXXX card. 

For reasons unknown the XXXX cashier also charged the purchase to the XXXX XXXX. Thus, I was charged twice for the purchase. Upon a call I placed, XXXX recognized the mistakes and I conferenced in XXXX XXXX XXXX  to both verbally verify the purchase was paid with my XXXX card, and to fax XXXX   proof of the XXXX payment. 

After several calls between XXXX  and myself, XXXX agreed they billed me in error and informed me they had cancelled the account. Several months afterwards XXXX  took this to a collections process. My credit score went from approximately XXXX to XXXX as a result. 

I have since had several calls with XXXX and they continue telling me they made an error and will resolve it in addition to fixing my credit score. As you can see in the included letter from XXXX on XX/XX/XXXX, the matter is not resolved. XXXX continues to bill me and damage my credit score. I have included information from XXXX XXXX XXXX  to again show the purchase was paid on my XXXX account, not via a XXXX  credit card. 

I need XXXX to immediately resolve this matter and correct my credit score with each affected agency. 
If XXXX can not or will not resolve this matter immediately, I will contact both a family business attorney and the Consumer Financial Protection Bureau. 

XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank charges fees on pending transactions. I've been charged XXXX in fees. I've had fees waived in the past, I explained with covid direct deposit is sometimes delayed or none. I always get the $ $ in same day b4 XXXX ... even if this is there policy to charge fees on pending transactions, I've begged and pleaded with this bank. I am 1 step away from living in my car. I lost my XXXX, my XXXX due to covid, I've been XXXX. I've been trying to stop the autopays ... the branch in town isn't friendly to XXXX ppl. I just would like a refund and then I'll close the account. I don't want anymore problems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: Was not notified of investigation status or results

Complaint:
Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Account was never late. XXXX is entering the wrong payment dates.

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 2018-03-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with Wells Fargo dealer services. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with Wells Fargo, I paid for the GAP insurance through Wells Fargo as well. After the car was totaled I never saw the vehicle again. Wells Fargo was Paid by XXXX XXXX, Wells Fargo had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and XXXX and they arent even contacting Wells Fargo Dealer service because I receive updates like two days later saying investigations complete. Please help. I want Wells Fargo dealer services reported on my credit as paid in full because two different insurance companies paid them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a credit report alert that a collection for two medical accounts totalling XXXX ref XXXXfrom 2015, had been added by XXXX XXXX XXXX, they reported two accounts to all the credit bureaus, WITHOUT providing me information prior or allowing the REQUIRED 30 day VALIDATION period. They have violated my rights and before the FDCPA laws.. These debts are identity theft related. I have had all previous medical debt from 2015 removed from my credit and proven to be a victim of identity theft. I use a XXXX pretention server due to all the identity issues I've had and the Bureaus and XXXX XXXX XXXX have sheets on my social and name. This is supposed to be a law group violating the credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: CA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX sent my account to collections for {$300.00} {$200.00} of that was a equipment, which I returned 2 months prior and have emails. They sent me my last bill which was prorated and included a credit of XXXX due XX/XX/XXXX. After being a customer for 2 years and a excellent XXXX Fico score no collections and XXXX of lines of credit they sent my account to collections. They didnt give me time to pay and I never received anything from the collections agency. The amount was incorrect because we sent the equipment directly to the XXXX store so the amount was incorrect. Now I have to fight to reverse the collections on my account. Unfair practice knowing we are in a pandemic and my credit is excellent I am suppose to be getting my statements online and didnt get the last bill as well terrible service.

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 2019-04-03
Company: NAVY FEDERAL CREDIT UNION
State: NJ
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:
In XX/XX/XXXX I hired a XXXX XXXX XXXX  from XXXX, NJ to perform work in my basement, with an install date of XX/XX/XXXX. The company failed to complete the job and left the worksite in progress. After 5 weeks of work, of which the job was originally a 1-2 day estimate, the job remained incomplete. On XX/XX/XXXX XXXX XXXX XXXX  then charged my VISA credit card for {$5900.00}, which was the price to be paid upon completion of the job per the contract we agreed to ( attached ), however the job was not complete and authorization to charge was not provided. The company had my VISA information from the initial 10 % down payment that occured months prior in XX/XX/XXXX. On XX/XX/XXXX I filed a dispute on the charge with my financial institution, Navy Federal Credit Union, however refusing to refund the unauthorized transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would file an official complaint with Freedom Mortgage and the underwriter that handled the loan for my wife XXXX XXXX. The underwriter was sending last minute requests close to the end of each business day that involved my business and also my wife. 

We felt the requests were very repetitive and we had already provided the documentation to the underwriter for Freedom Mortgage through tax returns and bank statements. Only to have the information requested again delaying our closing and costing us more money in the long run.

We were asked at the last minute to provide a letter explaining why were downsizing our home when if fact the home is 200 square feet larger than our previous home. We asked several times what is all the information that Freedom Mortgage and the Underwriter needs in now. From our perspective the underwriter kept taking their time asking for requests several days over several weeks as to at the beginning of the process. 

Then I received a letter from XXXX XXXX the Sr. Vice President of Customer Service at Freedom Mortgage that did not address all of our concerns and issues with the underwriter and this unpleasant experience. I left her a voice message 5 days ago to address the concerns and issues not addressed in the letter sent to me without a response to date. 

I want to know if this is an ongoing practice by Freedom Mortgage and were we profiled for some reason resulting in a form of discrimination being as though we were putting close to 30 % down payment on the mortgage which is not the norm for owner occupied homes.

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 2019-04-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up an automatic payment with the company but they never charge me in that automatic payment and they also reported late payment when they havent charged with my automatic payments

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