BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
State: OH
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:
TAKE JUDICIAL NOTICE OF CASES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has continued to violate the law as there continues to show a Public Record that is not furnished or reported from a reliable source with 1st hand knowledge. 

Also anyone can produce a phone number to the court but WHO did you speak to at the court to verify the accuracy of this Public Record and furthermore the courts DO NOT SEND DATA TO YOUR FIRM!! 

XXXX  and XXXX  both have removed the public record ... .why are you still causing me harm and damage? 

The New Jersey class action claimed Equifax violated the Fair Credit Reporting Act by sending letters that falsely told consumers that it confirms the veracity of disputed public-record information by contacting the source a county court, in this instance directly. 
In reality, however, Equifax never directly contacts the public-information sources, and uses a third-party company to investigate the disputed information, the suit claimed. 
In response to a consumers dispute regarding the accuracy of a public record, it [ Equifax ] never contacts the original source of the information, but rather contacts the private independent company that it never discloses to the consumer, according to the suit. 
Under a settlement agreement given final approval by U.S. District Judge XXXX XXXX Wednesday, Equifax will not represent that the government and/or any court or courthouse is a furnisher of information in response to a consumers dispute ; will not represent that the government and/or any court or courthouse was contacted directly by Equifax in connection with any consumers dispute ; and will not represent that the government and/or any court or courthouse actually investigated a consumers dispute. 
Lead class counsel will receive over {$1.00} million, and the three class representatives will receive {$15000.00} apiece, according to the terms of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/21 a made a single purchase at a Victoria Secret Store ( Location XXXX ) with my Victoria Secret Card that purchase was for a {$130.00} I also wanted a gift card for a {$100.00} which would have bring the total to $ XXXXThe cashier tried to enter the amount the gift card portion but the purchase did the card did not work. Inadvertenly my card was charged twice for {$230.00}. I called the bank ( Commenity Bank ) that issued the credit card they will not issue a credit until they have investigated claim which can take up 90days which I was told by the customer representative. It is plain on the statement that I was charged for the same items over and over again. As a XXXX citizen I am being taken advantage of by the bank and also the store. Your help is greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: NY
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:
There is a negative/delinquent item on my Experian credit report. It ONLY exists on my Experian report. It recently showed up in XX/XX/XXXX. This new item dropped my score from XXXX to XXXX. I tried disputing it through the bureau, but they did not resolve it. 

From what I can tell, the company does not exist. The phone number on the Experian report for the business does not work. I check the address and there is no company that exists at that address. In fact, the address is currently for rent when I googled it. 

The Company is : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX According to Experian- It says it was an education loan opened XX/XX/XXXX. 
The opening balance was {$0.00} It says that I failed to pay in XX/XX/XXXX. 

I never had this account and don't know what it is. As I mentioned earlier, it showed up out of nowhere a few months ago. 

Also what makes this weird is how can one fail to pay a XXXX  balance? 

I attached 3 screen shots : 1. Shows the account on my credit report, you can clearly see the opening balance was XXXX and it is negative in XXXX 2. I attached a screenshot of Experian saying I can not dispute this again, I tried calling and they forwarded me to you 3. I attached a screenshot of the address listed on the Experian report is currently vacant and for rent as of XX/XX/XXXX supporting my claim that this is a non-existent company

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 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 am a victim of fraud & identity theft. I contacted XXXX and XXXX  TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : Capital One # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what Capital One says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the Capital One account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have a letter from WF branch manager where she admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through their was more than enough funds so in addition to reversing and refunding fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset and obsessed with a VPN and email purchase that Ive done every month for the last two years which is transparent for everyone in the banking system and lawn force meant to say but somehow magically nowadays theyre just not satisfied. That was their excuse yesterday for blocking my account, yet I have photos and documentation and they can NOT explain why I cant use ATMs really anywhere and they hide behind their excuse. Yet their branch manager admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through since there were enough funds in first place. So in addition to reversing and refunding bank fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset with my VPN and email yet I have photos and documentation and they can explain why I cant use ATMs really anywhere and they hide behind that is their excuse. No I guess yesterday they just decided to allow an XXXX payment to go through isnt that ironic because this entire time for the last three months when theyre wet sponge they didnt want to let it go through to somebody else Wells Fargo and they plan on letting me have a normal checking account like everyone else. If by any chance Wells Fargo doesnt know and they cant answer for their actions its OK they can just say they dont know either. Attached is the letter from the branch manager reverse and refunded everything since well and she is a secretary there is plenty of fun so theres no reason why that IRS payment shouldnt of gone through in the first place. So what does Wells Fargo and everyone have to say for themselves, again if they just dont have an explaination, thats OK they can just be like everyone else and say they dont know either. Let me know if you cant be you that letter heaven forbid.

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 2018-11-26
Company: ID Analytics, Inc.
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-11-26
Company: Innovis
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
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: Account status incorrect

Complaint:
When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my XXXX XXXX   - XXXX account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with TransUnion about my XXXXXXXX XXXX credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

TransUnion was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.

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 2018-11-26
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:
XXXX XXXX continues to report on Equifax and XXXX  incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with Equifax and XXXX disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: OH
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately 1.XX/XX/XXXX XXXX XXXX 2.XX/XX/XXXXXXXX XX/XX/XXXX # XXXX 3.XX/XX/XXXX XX/XX/XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account information is inaccurate Date Opened is Inaccurate High Credit is Inaccurate Comments/Remarks are Inaccurate Payment History is Inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently made a purchase on my Cashapp account with the store XXXX XXXX.Ater find out that the items were not as described so I requested to return them.XXXX XXXX accepted for me to return the 3 items and I printed out 2 return labels for me to ship them back to them.After waiting a few days I saw that they were returned back to them.I then tried to get in contact with XXXX XXXX via phone.I told them I returned the items back to them but they were unable to give me a refund without explaining to me why.This them prompted me to start a dispute with my card issuer Cash App.I have tried to dispute the transaction via customer support but they keep sending me the same email 2x.My end goal is to try to have this XXXX XXXX transaction disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I previously entered the referenced complaint below. In response, Trans Union alleges they conducted an investigation whereupon the results indicated a bankruptcy filing was identified.

Trans Union failed, as they have in the past, to conduct a thorough investigation beyond identifying that a filing had occurred. The law is clear. There was no adjudication and the case was dismissed. There is no ORDER of Relief. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report. Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough. Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of my credit report.

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 2018-02-21
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My husband and I are trying to stay current with this credit card. Unfortunately other bills such as mortgage, daycare, student loans and medical bills have caused us to fall a little behind on this credit card. This Citi card is the highest interest rate I have and the highest monthly payment. Ive tried my hardest to stay current on it but have fallen a little behind. I look on my account to see {$710.00} due by XX/XX/XXXX, several late fees, interest went up again, theres just no relief with this card. I call to find out what I can do ( they offer assistance all over their website ). The guy I was transferred to was completely rude and condescending. We spent 20 minutes going back and forth of what I could do different to afford this. Or the same questions of what caused me to fall behind after already explaining its just too high. We got no where, my account will continue to fall behind if I dont get some sort of assistance with this.

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