BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: MI
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 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts were finally blocked. 

A XXXX card, which was the result of that ID Theft and was BLOCKED from my credit reports is back on m credit reports. 
As a result of the ID Theft I had requested XXXX to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX did none of this and I have received zero documents as required by law. 
However, and incredibly shocking These scumbags at XXXX continue to break and ignore the rules of law. XXXX has placed this account back unto my XXXX, Equifax and XXXX credit reports, dropping my credit score over XXXX pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS. 
XXXX, EQUIFAX AND XXXX  MUST BLOCK THIS XXXX ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against XXXX, Equifax and XXXX in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TransUnion failed to respond to my dispute letter and they failed to verify that these accounts belong to me before the end of the 30 days period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On Sunday XXXX I called Citi Bank to report our card was lost while on vacation and there had been some high dollar transactions made on my card. An agent named XXXX called me back and left a message on Thursday XXXX asking to give them a call back. When I spoke with her she said some transactions were not reported, so we got that straightened out. XXXX then began asking me what happened, to which I told her i believe the card and my ID was left in a taxi I took while I was on vacation, she then told me my story was not making sense and asked why I did not file a police report, and then stated they need a police report and plane tickets. I don't know why this would be required, or why this has become such a more embarrassing issue than what it should be, as if I am to blame for these transactions. She would not answer my questions about the claim or the process and I asked to speak to a manager. I was told I would receive a call back from one today XXXX and I have not gotten a call back from anyone. She also told me she would be sending me an email with information they're requesting and I have not gotten that either. I am worried about these transactions still showing on my credit report and on my account and I am afraid I am not going to be given a chance to have this resolved. It was the most unacceptable encounter I have ever had with a financial institution and refusing to file a fraud claim or even delaying it once have already told them I lost my card is just horrible business practice.

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 2018-10-04
Company: Pendrick Capital Partners Holding, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in reference to CFPB complaint # XXXX XXXX XXXX XXXX stayed the accounts were closed a referred back to Pendrick Capital Partners. Due to their history of unethical practices, which is public information I feel it necessary to submit this complaint. I demand that the accounts listed in the referenced complaint be removed. ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX  ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Creditors Specialty Northwest, Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditors Specialty Northwest Inc. has sent me 3 written notices. None of which have included a statement describing my right to dispute the debt. The first notice instead states : " In your own best interest, we urge you to pay this account immediately. Please contact this office and make arrangements for taking care of this legal obligation. '' Put simply, they never provided a statement about my right to dispute. If anything, their first notice vaguely threatens that if I do not pay them, I will face legal consequences.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
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 opened an account with XXXX through Wells Fargo in XX/XX/XXXX. I purchased an item at XXXX and later returned the merchandise. We never received a statement to show they gave me credit for the returned merchandise. They currently show late payments on my credit report. I did a dispute back in XXXX but it came back no change. Then in XX/XX/XXXX I received a letter from Wells Fargo that said they discovered a processing error because they did not have correct address in the system. 

I did another dispute This spring to get credit report to show no late payments. and again Wells Fargo did not change the credit report. 
. 

I have attached the letter from Wells Fargo dated 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 non-monetary relief
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
Back in XX/XX/2021 with Wells Fargo, I was told there was only a {$35.00} fee to wire transfer money to XXXX and those were the only fees I would incur. Well I came to find out, it cost me about {$700.00} more to wire transfer the amount of money as Wells Fargo had what I consider XXXXhidden fees '. A the time they said the exchange rate I was bring charged was the 'going rate '. After I made a complaint, they did respond stating they had a different rate to cover risks, cover costs they incur, etc. In all of the paperwork they gave me at the end, it might have been in the fine print but what they tell you verbally is completely different. I complained that these are hidden fees and they are basically lying. 

Today, I called a local branch and asked about exchanging US dollars to Euros for my trip with Wells Fargo and was told that a local branch could handle and there was no fee at all. Not even the {$35.00} fee. Just the current foreign exchange rate. Once again, this cost me an extra {$260.00} to exchange the money due to their exchange rate being so much higher. On their marketing document at the bank in very small print it states 'The exchange rate applied to a transaction includes a mark-up, which is an amount over and above the costs of funds to Wells Fargo and it is designed to compensate Wells Fargo for several considerations, including without limitation, risks taken, costs incurred, services rendered, as well as a return for the Wells Fargo on the transaction. ' Nothing I signed stated that I acknowledge this 'mark-up '. This is merely on the marketing brochure in the branch. Nothing on the receipt I received states this information. 

I just feel this is a deceptive practice being run by Wells Fargo and that their employees need to advise all customers making a foreign exchange transaction that there is a 'mark-up ' fee and be very clear on the disclosure, with customer signature, of what fees they are paying above and beyond. 

Why is the CFPB allowing this type of deceptive practices to happen?

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 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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 made 2 purchases with XXXX which they were defective upon delivery or returned per XXXX policy. These were charged and disputed to my Master card under the term of my contract with Bank Of America. I received letters from Bank of America dated XXXX XXXX stating the amounts of {$17.00} and {$35.00} were refunded to my credit card and they were not. I called on XX/XX/2020 and spoke with customer service, XXXX from Bank Of America and she researched my credit card statement and confirmed these two transactions were charge to my Mastercard and were not refunded as Bank of America Letters stated. This is fraudulent business ethics besides breach of contract by Bank Of America.

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 2020-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
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 a loan with USAA SAVINGS BANK, XXXX, XXXX XXXX, MUNICIPLES EMPLOYEES C. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and USAA SAVINGS BANK, XXXX XXXX XXXX XXXX, XXXX XXXX CARD SER, MUNICIPLES EMPLOYEES C with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Curfin Holding Company, Inc
State: IL
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:
Greater chicago finance company in XXXX XXXX Illinois fraudulently accessed my credit report 4 times without my permission or acknowledgement. I did not authorize them to check my credit on no occasion after XX/XX/2015 Please investigate this abuse and remove the hard inquirys from my 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 2021-11-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$660.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$7700.00} Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$730.00} This is a formal complaint against Equifax, XXXX, and XXXX. The collection accounts I have mentioned above are being reported erroneously in my credit report. I have disputed these accounts since XX/XX/XXXX, and I do not see any changes in the way the account is being reported. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act. 

For one, XXXX XXXX XXXX is still reporting inconsistently. The date of last activity in XXXX is XX/XX/XXXX, while XXXX shows XX/XX/XXXX. The credit bureaus can't seem to correct or validate this one. I even disputed this directly with the collector and original creditor. I am not getting any response to my disputes. It seems my effort to get this resolved is being neglected. I am trying to get approved for a loan and this is causing too much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CARD Corporation
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/3021 My account was hacked. I woke on XX/XX/2021 and checked my account and all my money was gone. I contacted my card company and filed a dispute, I was told that I WILL get a provisional credit applied to my account if I provide my dispute form within 10 days. I said ok and sent the card company my dispute form. So now here it is XX/XX/2021 and I was told the dispute team made a decision on XX/XX/2021 that my claim was denied. I informed the rep that when the money was taken out of my account I was sound asleep due to the fact that I had to work the next morning. The reason they say I was denied was because the merchant told them that I was aware of the charge, but that is not true. I asked for the merchants info and the card company could not provide me that info. So as you can see I am clearly frustrated about this issue. I have bills to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My 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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

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 2020-06-06
Company: EQUIFAX, 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:
I have been dealing with someone stealing my identity since XXXX of 2018, periodically they apply for credit. I have put a freeze on my accounts to not allow any additional credit accounts without further verification. I have been repeatedly trying to have false information removed from my credit report. I've contacted both XXXX XXXX and XXXX 's multiple times to remove the inquiry made by the person trying to steal my credit. I've made numerous attempts to the companies and have been told each time that they will remove the inquiry. Time goes by and nothing changes, that's when I contacted the credit reporting agencies XXXX and Equifax and filed disputes on all incorrect information. Each dispute gets " verified '' as correct which is false. I've exhausted all my resources and now find myself here trying one last time to rectify the issues before I file a claim under the FCRA in court against both credit agencies that continue to report false and negative information that affects my credit and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Noticed a collection from XXXX on my credit report i sent a debt validation letter certified mail ( included in this complaint ) and received a printed paper with just an amount owed and the original creditor emergency professional services. I contacted the original creditor via phone and spoke with XXXX on XX/XX/XXXX and asked for the original contract and they do not have it. So how is this debt valid if the original creditor do sent even have paperwork on this debt XXXX says i owe. Also in my dispute letter i asked XXXX for the original contract or anything bearing my signature to prove i actually owe this they did not send it. Since the original creditor do-sent have paper work i asked they remove this item from my credit report or send me something bearing my signature to prove i owe them with all the identity theft going on and with me being a victim of identity theft in the past I will not pay this debt until i receive this information. If this item is not removed i will pursue litigation and sue for XXXX $ for violation of section 809.

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 2021-09-10
Company: EQUIFAX, INC.
State: FL
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/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$1500.00} Reported balance This account below is reported wrong and is current. 

1. XXXX XXXX Last reported XX/XX/2020 {$120.00} Reported balance

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 2021-01-20
Company: EQUIFAX, INC.
State: TX
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 submitted a complaint regarding Equifax not reporting my date of birth correctly. Equifax has been reporting my date of birth as XX/XX/XXXX. That is NOT my birthdate and I have filed a complaint after many attempts to have the information corrected, complaint number XXXX. 
I received a new report from my monitoring company and the updated information is still shown as XX/XX/1969? How is this possible? And how is Equifax responsible for reporting accounts correctly if my personal information is not even correct? This seems absolutely absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card has been blocked for 48 hours. I've called de bank more than 20 time. i got response 4 times but the 4 times the bank tell me that the issue will be resolved in 2 hous. its been days, the bank doest not want to resolve anything. FirstBank does not provide any other numbers or emails or contact information of someone who can assist me. this is very serious for me, the damage is big.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
three fraud accounts and inaccurate account are reporting under my equifax credit file. only equifax is the one who is reporting these inaccurate and fraud account under my name, please find attached my police report which shows i was a victim of ID theft at some point and also the FTC report, that i had faxed and mailed to equifax. thank you for your cooperation in this matter

Company response to consumer: Closed with non-monetary relief