BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I called XXXX  and requested a reinvestigation of a previous dispute with XXXX XXXX XXXX. The company reported late payments on a paid, closed account. I called to request paperwork that could prove my payments were late and they told me they can't due to account being paid and closed. A company should not be allowed to report anything without proof, especially anything negative. I received dispute results from XXXX on today, XX/XX/XXXX, and the results were " Updated ''. The account is still inaccurately reporting late payments as well as a " Paid, Closed '' date of XX/XX/XXXX, when indeed the account was paid in full on 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 2017-09-25
Company: WELLS FARGO & COMPANY
State: WV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father XXXX XXXX XXXX. Wells Fargo charged off his accounts with fees despite being notified that same month. Now they are saying they wrote them off as a loss. So he owes nothing but there should be a refund. It is n't about the money at this point, it is about the fact of the matter that any docs signed to open the account were null and void. No fees should have been charged after XXXX notification, nor should anything have been charged off

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 2023-05-16
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing placed a false collections account on my credit report stating that I owe a balance for a company for which I have never had any contract or account with. I verified this with the creditor ( XXXX ) and it is false/fraudulent. I have never had an account with XXXX nor have any agreements with this company. I tried to reach out to Convergent Outsourcing on several occasions and have been unsuccessful. This false/fraudulent report is hurting my personal credit and request that it be removed immediately.

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 2018-08-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB This letter serves the purpose to inquire regarding the sudden closing of my credit card account numbered XXXX XXXX XXXX XXXX. The account was closed arbitrarily by Citibank without informing me prior to such decision. 

As a customer, I did not received any notification of the banks intention or any information as far as the intent or the motives behind the closing of this account. When I called the number that appears on the letter I received after the account had already been closed, they told me that they were not authorized to disclose any information to me, unless I request it in writing, thus this letter. 

As you may understand, this decision has caused a lot of inconveniences for me. I do not appreciate not being given proper advanced notice and being treated unfairly by this institution. 

As an American citizen I demand Citibank to respond immediately to my request and give me the reasons behind this arbitrary decision. 

I would appreciate your prompt attention to this matter. 

Sincerely, 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 2019-11-12
Company: Harvard Collections, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
HARVARD ONCE AGAIN KEEPS COLLECTING BACK TAXES FOR ILLINOIS THAT ARE OVER S.O.L. OF 3 YEARS, ALONG WITH DEBT DISCHARGED IN BK XXXX XX/XX/2018, SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were scheduled to close on our property in XXXX tomorrow, XX/XX/2020 with Atlantic Bay mortgage company. Our mortgage banker XXXX XXXX just informed that closing will have to be moved to Friday. She refused to explain what the reason was and blamed it on us pushing the closing date. When I spoke to the builder 's agent, XXXX XXXX, she informed me that XXXX had in fact forgotten to send us a disclosure document over the weekend and that I was supposed to have received it 3 days before closing. XXXX just confirmed to me this morning at XXXX XXXX  that everything was good for closing. The builder 's agent confirmed with all parties over the weekend that everything was good to go. We have hired a moving company, scheduled deliveries, and checked out of our hotel for tomorrow. I filed an online complaint with Atlantic Bay but received no email confirmation. When I tried to file a complaint over the phone, Atlantic Bay hung up on me every time I attempted to do so. I am disgusted by this unprofessional treatment. This company has terrible customer service and apparently incompetent staff.

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 2020-11-05
Company: ALLY FINANCIAL INC.
State: TN
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

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 2021-07-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit bureau is reporting a collection account that does not belong to me. I reached out to the reporting company, got them to close the account out and ask for the barrels to remove the information for my credit report in which they still will not do. Current Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Client Account Number : XXXX XXXX  Account Number : XXXX XXXX Default Password ( for website ) : XXXX Balance : {$330.00} 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 non-monetary relief
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/XXXX I reached out to the cc company to tell them my card had been inactivated. The lady on the phone told me that there was a credit from XXXX XXXX but no debit to apply the credit to so the card was inactivated for potential fraud. I was then told to email my receipts for the credit and debit to an email address. This was a recent tool rental and return so the receipts were easily available. I scanned and emailed the receipts to the email on XX/XX/XXXX. I was told to give them 4-6 business days. The lady I spoke with did not speak clear XXXX, which brings me to the next call. On XX/XX/XXXX I called again due to my card not being active so that I could check the status. I was told on that day that they did not show that they had received my documents. The man I was speaking with gave me the email address again, which was different than the original email I was given. I sent the second email on XX/XX/XXXX and was told to give them another 4-6 business days. I called on XX/XX/XXXX to verify they received my documents and to give them 4-6 business days to process. On XX/XX/XXXX my card was still not reactivated. I sent a threatening email and also called them. I was told the documents had been received on XX/XX/XXXX and that they would contact the " back office '' to expedite my card being reinstated. On XX/XX/XXXX, I called again due to the fact that my card still was not activated. The man I spoke with told me he had gotten a supervisor involved and an email would be sent demanding the reactivation. He asked me to give them 48 hours and my card would be good to go. Today is XX/XX/XXXX. My card is still not activated. I just called and was hung up on. I called a second time to be told that I needed to wait another 4-6 days. When I began to get irritated, the lady told me that there was nothing else that she could do and when the " back office '' gets it reactivated, that they will contact me to let me know. Meanwhile, it has been a month since my initial call. My stimulus money direct deposited on this account is unavailable for me to use, and I can't get anyone to help be get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have a bankruptcy on my credit report that keeps showing up as verified when its not. i never filed bankruptcy and nobody will give me documentation of proof. my social doesn't match, address and phone number doesnt match. my phone number is XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-03-30
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-25
Company: ALLY FINANCIAL INC.
State: MA
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:
Ally 's customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from Ally to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was. 

This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, Ally reported my account past due 30 days. How is that possible?? 

Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of Ally!!!! I am totally disgusted. The reps are not helpful at all.

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 2019-03-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I established a membership with Experian. My personal information was incorrect- 4 wrong addresses and an incorrect name. It 20 attempts to reach someone by phone to get this corrected and to cancel my membership. Phone and chat were unavailable. I could reach no one to discuss an incorrect creditor

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. This is the account needs to correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$7700.00}.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They always say sorry they can not 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 2022-10-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to get inquiries from unknow Companies corrected and removed sent to Credit Bureaus and to the companies as well Certified mail, both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX TRANS UNION XXXX  XXXX TRANS UNION XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2019-03-07
Company: Experian Information Solutions 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:
As a consumer I have requested the description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, person that was contacted from the original creditor, phone number and all from the XXXX XXXX XXXX XXXX XXXX. 


On XX/XX/2019, XXXX XXXX XXXX responded to the complaint from Federal Consumer Protection Bureau and stated, that they have mailed proper Validation and have spoken to the original creditor and the original creditor confirmed the debt was valid. As of XX/XX/2019, NO CORRESPONDENCE has been received from XXXX XXXX XXXX or the original Creditor. 
Two certified letters were sent to XXXX XXXX XXXX requesting Method of Verification ( attached are the certified mail receipts ). Also, certified letter was sent to the original creditor asking and requesting information about the accused debt. No response from the XXXX XXXX XXXX or the Original Creditor. Therefore, this accused debt should not be listed on my credit reports. 
XXXX XXXX XXXX has violated my rights underneath the Debt collection act. They are aware that this is an investigation and they are still reporting this account and has not provided the proper valid validation or verification which is considered to be UNFAIR PRACTICES according to 808. Unfair practices of the FAIR DEBT COLLECTION PRACTICES ACT. 
XXXX XXXX XXXX has also violated 807. False or misleading  representations, 812. Furnishing certain deceptive forms, 809. Validation of debts according to the FDCPA. 

I was never notified by XXXX XXXX XXXX in regards to the investigation. Also, I did not receive a written verification or validation notification from XXXX XXXX XXXX in regards to the dispute. Also, no information was not furnished or provided by the Bureaus stating that this debt belongs to 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 2023-05-16
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I disputed the I.C Systems as they continued to report and have for years. I am educating myself on consumer laws and have discovered many violations. I wrote I.C systems asking for a Debt Validation Letter they responded they could not provide me any information they could verify and they would not be reporting any further on my reports. I.C. systems is still being reporting on my report and being updated regularly. I have the letter I can provide for proof. 
Thank You for your time, 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