BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: I.C. System, Inc.
State: NV
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:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

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 2022-02-02
Company: Affirm Holdings, Inc
State: NY
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 unauthorized debt on my credit report from Affirm. I am only XXXX XXXX XXXX someone is opening lending accounts in my name without my consent and its affecting my credit drastically

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Paypal prepaid card XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX. 
I have bought payed for an loaded in store the amount of XXXX $ upon attempt to finalize the card set up iv been ask to email 3 forms of id ..including ssn card with numbers ..multiple times while on the phone apx 25 times iv called trying to adj the issue iv been ask to give my ssn # .. 4 days im still unable to get them to finalize the account nor have a resolution at all iv been hung up on told i could not be heard placed on hold for over 1hr waiting to talk with a supervisor inwhitch i never spoke with ..these people say they work for Mastercard. Im sick of trying to get what they sold an i have payed for ..i do not believe they are in any way a legitimate business that should be allowed to operate with the action they have shown .. as i have said iv called at least 25 or more times over the past 4 days trying to get some where with the issue in hopes to possibly get some one who knows what there doing or cares while on the phone i have heard in the background multiple people who have called in trying to finish activation having the same trouble .i truly feel this is a fraudulent organization.

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 2019-11-05
Company: VW Credit
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to report multiple violations that Volkswagen is committing against myself and that are affecting me in a huge way. This company is reporting a wrong payment history on my account. I have never been late. They are committing UNFAIR BUSINESS PRACTICES. 

I must say that I tried to solve this big issue with them. I sent them a dispute letter demanding the proper investigation as that the law requires and the account is not being investigated at all. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED which is another violation under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. My rights are not worth at all for this company. 

When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR, and this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Volkswagen refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Thanks to whomever reads my complaint. 

Account : VOLKSWAGEN CREDIT INC Account Number XXXX. Date Opened XX/XX/2018. 

- Please see attached letter sent to Volkswagen and the proof of fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX Experian XXXX - P.O. Box XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/XXXX to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Financial XXXX cars. 
I wrote a 2nd request on XX/XX/XXXX and have not received a response.

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 2023-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXXXXXX Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit 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:
ON XX/XX/XXXX Synchrony Bank ( PayPal Credit ) reversed a charge in the amount of {$180.00} that I was charged for a " fake '' merchant on XXXX. I received a letter after their initial investigation telling me that the charge was reversed. But the invoice still shows ( as of todays date, XX/XX/XXXX ), that there is a {$3.00} interest charge along with the {$180.00} charge interest is deferred until XX/XX/XXXX. I do not " owe '' the interest charges cause the charge was reversed, ( see attachments ).

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 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX bank is holding my XXXX {$1300.00} funds. I am also the owner of the account since he is a minor. The company has not released his funds. My son now has no money at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I would like too see is if some of the old hard inquiries could be removed from 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 2018-07-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
They are calling me about XXXX XXXX that was sold to Wells Fargo since 1999 and then said I had an account and supposedly I owe them XXXX and they want me to pay {$76.00} every two weeks for 24 weeks or I will get served to go to court and have to pay {$5000.00}.

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 explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2019-09-19
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to resolve a debt generated by identity theft with debt collector Hunter Warfield. They contacted me XX/XX/XXXX regarding a defaulted rental agreement to the amount of {$1500.00}. This is not by debt and the result of someone forging my name using docusign on the rental agreement. I have spent several frustrating phone calls, written letters stating this wasn't me and was a forgery generated in docusign. I have taken the CFPB 's recommendation and have contacted my local police department to report this identity theft. I have also run a credit report and see that Hunter Warfield ran a credit check on me last year XX/XX/XXXX. The local police dept. recommended Hunter Warfield contact them with the case # if they want to see the report. Hunter Warfield told me over the phone they don't do that and will not close out this debt. This does not sound legit and I am afraid Hunter Warfield is trying to use this fraudulent debt to ruin my credit report if I don't pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with USAA on XXXX. USAA issued a credit for {$1400.00}, they made no contact with the merchant who agrees they didn't deliver the product/ service and could not refund my money. USAA reversed the credit and pulled {$1400.00} from my checking account without notice leaving me in a financial strain. I called ISAA and spent weeks trying to correct the issue. Their customer service people told me it was too late to do anything and the " customer isn't always right '' I am out {$1400.00} after providing all supporting documents and USAA refuses to do anything. As a XXXX veteran, I can not afford this. I served my country honorable and was injured on her defense. I need help in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
im a XXXX veteran, my home has a {$8000.00} foundation repair issue i have been trying to get help from bank of america an the department of veterans affairs, the past " four '' years i have gotten no help from either agency ... ... ... ... .. 

i about to loose my home an they are refusing to give me relocation assistance, to help help me with my move,,,,,,,,, ,my foreclosure sale date is X/X/2018 i have no where to go, i have no help .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX ( XXXX ) XXXX cell

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 2017-12-13
Company: WELLS FARGO & COMPANY
State: DC
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:
Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX of XXXX Georgia made over a dozen unauthorized debit charges to my checking/savings for various amounts, multiple times per day in excess of the bank ATM allowed debits per day totaling over {$7900.00} over a four-to-six week period. 

My debit card is mandatory for ATM transactions at Wells Fargo bank and was printed with a visa debit card font as a locator for the printer of the debit card. 

On XX/XX/XXXX I went into Wells Fargo to address the fraud/unauthorized transactions that I had no knowledge had taken place ; the XXXX XXXX XXXX company made no contact with me prior to charges being taken at any time. 

I filed a fraud/unauthorized transaction claim at that time in a Wells Fargo branch located on XXXX XXXX XXXX in XXXX XXXX and was told by their employee XXXX XXXX that it would be put in high status for immediate attention. I then supplied XXXX XXXX with the back-up material I had about the XXXX XXXX XXXX via email while in front of him, at his computer inside the branch. 

Several fraudulent charges were made on several Wells Fargo debit cards over the course of my three months ( XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ) in XXXX XXXX, to the point that I had to frequent Wells Fargo locations multiple times to have new cards issued. We ( Wells Fargo employee XXXX XXXX and me ) discovered after reviewing all charges made during the three months that several hotels had also overcharged my debit card throughout the XXXX XXXX metro area ; we then alerted the fraud center of the other unauthorized charges in excess of {$2300.00}. 

As of today, XX/XX/XXXX, Wells Fargo has denied my fraud claims for the $ 10,000++ unauthorized debit card charges placed outside the area and without me present at the company making the charges. Wells Fargo did nothing to watch or protect my debit card ; Wells Fargo branches smirked at me and treated me as if it was a homeland security drill and the money was not mine. A Wells Fargo branch located on XXXX XXXX in XXXX XXXX, CA told me in XX/XX/XXXX that I would have to hire a lawyer and sue either the XXXX XXXX XXXXl or Wells Fargo. It is not my preference to file a lawsuit ; however, Wells Fargo has promoted their errors in the past year and said publicly they are caring for their customers. They did not treat my money like it was mine ; they made me feel like it was theirs and could care less that their actions left me without travel options, without shelter, and without food. 

Please contact me for details on how I can proceed here. This has been a year of chronic fraudulent activity allowed by Wells Fargo in my savings and checking and debit card.

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 2023-01-13
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: Information belongs to someone else

Complaint:
I have an account reporting to the credit bureau that is not mines and does not belong to me. 

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 2023-08-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Noticed XXXX XXXX accounts appearing on my credit reports XXXX. XXXX XXXX XXXX XXXX {$4500.00} XXXX. XXXX  XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CITYWORTH MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started he house buying process with this company and it was an absolute stress filled nightmare. the broker did n't explain things very clearly at all and neglected information at times. say one thing one week, then say something completely different the next. the broker, and loan processor were XXXX near impossible to reach when needed. also a lot of other people I asked about the way this company was doing things all told me that they were shady and not to be trusted or sounded like they were doing some unethical practices. in the end the deal fell thru because of how bad they were dragging their feet and stringing me along. I was also supposed to get me earnest deposit money back, but the kept that and told me they had to get paid somehow. the deal also fell thru and we lost a very nice home. im reporting them to anyone i can because they are a shady company that will steal your money. the company is CityWorth mortgage.

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 2020-11-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I disputed two accounts from LVNV Funding that are listed on my XX/XX/XXXX and XX/XX/XXXX credit reports. I have yet to receive a response from this company. Per FCRA, LVNV Funding ( aka Resurgent ) has 30 days to investigate the item, or they must delete it from the credit report. Upon pulling my credit report today, the items are still in dispute status, but I have not received any correspondence from this company. Furthermore, on my credit report dated XX/XX/20 the accounts were reported as " closed '', but on my most recent report it was marked as " open '', yet still in dispute status. I have a attached a copy of the line items as listed on my credit report as proof.

Company response to consumer: Closed with explanation