BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-10
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX, XXXX XXXX XXXX XXXX came to my home to troubleshoot a problem with my XXXX refrigerator. The technician who came did not do anything or order parts, and did not provide a detailed invoice with the services completed during his visit. I was charged {$100.00} for unknown services, which I disputed right away in XXXX, XXXX, and now XXXX. XXXX XXXX XXXX has referred my amount due to The Receivable Management Services, LLC in XXXX, and has denied my dispute. In the pictures shown below, there are no copies of an invoice or receipt for any work completed. I have been a customer with XXXX for over 15 years, or longer, and I have always received an invoice to sign whenever a technician came to my house to fix my refrigerator or washing machine and dryer. Someone has always been present at my house to let the technician inside, and has always been left with a receipt. This is the first time they have either attempted to scam me, coerce/extort me into a payment, or invalidate my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I opened CapitalOne credit card. However after 2 days of approval they put my new account as a fraud, because they need docs from me to verify my identity. I send them all my docs and still after 180 days or more I unable to use this card. Also, they block my online access to this account. I send my documents they need via email and Priority USPS Mail, but they not satisfy .... And very interesting that, this account show up on my credit report as active

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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 am a victim of fraud identity stole my social security and passport and documents front he closing of my house now everyone is pulling hard inquiries from my credit please help stop this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested for the fraud alert to be removed from my experian and XXXX report but its still showing on there. i need the fraud alert removed from my report asap thanks.

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 2018-04-11
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a very old debt from 2012., was very sick., XXXX XXXX XXXX in and out of hospital. my roomate used my credit card and Id while I was in the hospital., XXXXXXXX XXXX card XXXX, I filed a fraud alert., Winn Law group in XXXX Ca . wants to sue me I am on XXXX low income. Winn Law group keep sending me nasty letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2019-03-18
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received notification from XXXX XXXX XXXX that a new account had been opened in XX/XX/2019. I went to to XXXX and pulled my free credit report. 
There was a new account added by XXXX XXXX for a XXXX  account with a credit limit of XXXX of which XXXX was used. 

I disputed it with XXXX but also called the company today. They said they would look into it and that could not discuss anything with me because none of my account info matched my name address etc. only my social security number. 

I asked where i could send proof that that social belongs with my name and address and was given a po box to send this to but not a department to attn the package to or even if it would do anything. 

I am buying a house in the next month and i do not need the hard inquiries and high credit usage to impact my loan. PLEASE HELP!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: FL
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 2021-02-26
Company: Novad Management Consulting LLC
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My father passed away XX/XX/2021 on XX/XX/2021 @ XXXX XXXX  PT I left a voicemail for Novad requesting a all back and for further information on the reverse mortgage, their voicemail states a call back within 48 hours. I called back XX/XX/2021 @ XXXX XXXX PT, left another voicemail. On XX/XX/XXXX after still not receiving a call back I contacted reverse mortgage solutions and the verified the correct number for Novad and advised to contact Novad again, I emailed XXXX XX/XX/2021. XX/XX/2021 after still no response from Novad via email or telephone I again tried calling @ XXXX XXXX  PT, I waiting on hold for 45 minutes to get disconnected, I then immediately sent another email to XXXX, and as of todays date XX/XX/2021 I still haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Credit Wise Recovery Solution LLC
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:
XXXX  XXXX XXXX  and XXXX credit card are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

XXXX is working with XXXX XXXX and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-10
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:
XXXX XXXX prepaid and XXXX XXXX XXXX are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

TransUnion is working with XXXX XXXX and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from 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 2018-04-12
Company: First Advantage LNS Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I sent a letter to XXXX ( XXXX XXXX XXXX XXXX ) in regards to providing me with information to validate the said account which is reporting on my credit report as {$8000.00}. The problem is the letter that was sent back to me in response to my letter stated I owed {$7100.00} and also shows a different account # than what is reporting on my credit report. The letter from XXXX also states that they verified the charges with their client and based on their research it is correct. How can it be correct when there is a {$940.00} discrepancy among the reporting on the credit report and the letter I received. An itemized statement was also sent stating that my move out date was XX/XX/13 when I moved out in XX/XX/2013 with a 60 day notice. Then on the itemized statement it states {$2200.00} for pre-termination charges but the charges are on there twice. From my understanding anything that is reported on my credit report needs to be accurate and varifiable and right now this account is not accurate nor verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
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 status incorrect

Complaint:
The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reached out to the XXXX credit bureaus. Transunion, XXXX and XXXX because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.

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 2019-02-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went into a car dealership on two occasions and they ran my credit without authorization. In order to get these inquiries removed from all three credit bureaus, they provided me a correctly formatted letter with all relevant information and all three bureaus refused to remove the inquires. They claim I needed to file a police report showing identity theft, otherwise the lenders would have to contact them direct and they have all refused to do this also.

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 2019-02-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells fargo had a world wide system failure on XX/XX/XXXX and XX/XX/XXXX and my pay day was XX/XX/XXXX. Although there was no issue with my direct deposit there was an issue when I tried to get gas and other items such as groceries and lunch that day. Nor was cash avaiable via ATMs. They were issuing a courtesy inconvienece fee which they did not disclose to anyone, I had encountered a friend who also was with WF and told me. I called today XX/XX/XXXX one day after to incident waited over an hour for them to not be sympathetic and tell me I could not receive the inconvienece fee although I was inconvieneced. They transfered me to another person only for them to say the same thing. I have XXXX children and a job I have to get to every day and caused a major inconvienece as sadly, I do live pay check to paycheck and am the sole financial provider for my XXXX kids and significant other. My significant other even had to ask his parents to borrow necessities like toilet paper and food until for the day and our cards surprisingly worked later that day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Yet another worker that just can do there easy job right..i gave her my CC number 2 times over the phone for capital one and she said the payment is processing the confirmation number is XXXX ... she said it went through..well when i checked today and tonight at XXXX ( stayed up to see if it would show ) it 's not showing ... i went on chat and after 1/2 waiting and chatting the chat worker did n't know either..i paid {$40.00} dollars to what XXXX? the sky? ... i do n't get it ... I do n't know how these people are hired and do n't care..i just want to know and now have proof where my hard earned money went ... so this is the reason i have to do this again ... my XXXX if this place was n't here over half the world would be ripped off..wth is happening ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can't remember the date but it was around 2019

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 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went into a car dealership on two occasions and they ran my credit without authorization. In order to get these inquiries removed from all three credit bureaus, they provided me a correctly formatted letter with all relevant information and all three bureaus refused to remove the inquires. They claim I needed to file a police report showing identity theft, otherwise the lenders would have to contact them direct and they have all refused to do this also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in 2017, I lost my job but was still making payments on my credit card. XXXX, I made a payment and for whatever reason, Comenity bank claims that the payment was not made but it was. The same incident happened the next month and my original credit with them was {$300.00} but because of this, it went up to {$1000.00}. I reached out to them and they told me it was my bank 's fault. I also told them that I was unemployed and could no longer make payments.Up until this point, nothing was done. I definitely owe them {$300.00} but I do not owe them the additional {$700.00} they are trying to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX/XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX/XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXXXXXX XXXX performed an unauthorized credit inquiry 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