BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company Medical Data System l its 2 accounts for XXXX and XXXX date showing on my credit is XX/XX/XXXX. I both mailed an account validation letter and disputed this debt with the credit bureaus and the collection agency several times since XX/XX/XXXX. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX still has not responded to any of my letters. All I asked was that the credit bureaus show me how they verified this debt and what sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have provided to XXXX, XXXX  and Transunion, proof that I have never been late on my XXXX  accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.

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 2019-05-13
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:
XX/XX/2019 XXXX hit me with hard credit inquiries and it said on application it wouldn't affect my credit.

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 2020-02-25
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 when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of america Amtrak credit has the most confusing auto pay system, compares to peer products from chase or XXXX. 

I opened this credit card in XX/XX/2019. And I set up auto pay with Amount Due. Without any notification, the system chose minimum due automatically. In addition, they never sent out alters that remind customers they did not make a full payment. 

Until, I have took some time to review my credit statements, I finally realized I have pay over 200 hundreds dollars interest rate fees. 

I have tried to contact Bank of America, they did updated the App/Web interface for auto pay. That means they admitted their system not sufficiently clear for customer. However they refused to refund the interest charges that were unfairly charged.

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 2019-01-31
Company: ALLY FINANCIAL INC.
State: LA
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:
This is my third complaint against XXXX XXXX at XXXX XXXX. He continues to close my account without thoroughly investigating. He sent me a copy of a form that looks made up and isn't my signature. I called him several times, but he did not answer. XXXX XXXX had a pig of a salesman who literally ran my credit multiple times without permission and XXXX XXXX declined my request to remove the hard inquiry. I reported it to my state attorney department that handles this and hopefully they take care of it. I will not stop until I get justice and get these illegal acts removed.

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 2019-05-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX XXXX and Wells Fargo both claim that I opened up bank accounts with them when I never did I have documents for Wells Fargo to prove I never opened accounts but the fraud expands across a number of accounts cause I lost my drivers license passport and these accounts have been getting Opened

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 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
While I was monitoring my credit report on Transunion ( XX/XX/19 ) I  found out my credit score went  down 32 points, right away I got in touch with the mentioned credit bureau to inquire about what was the reason, all my accounts were and are at the moment current ( no delay payments, no over the limit, no liens or else ), They couldn't explain in a reasonable or logical way other that 2 specific accounts weren't current ( XXXX XXXX and XXXX XXXX XXXX XXXX ), I called both companies and They told me that both accounts were current and had no issues.

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 2018-01-21
Company: EQUIFAX, INC.
State: MS
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 sent letters to the three credit agencies ( Equifax, XXXX, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 - XXXX XXXX XXXX ( XXXX NY ) / LVNV Funding LLC issued a debt collection notice for {$180.00} related to an original creditor of XXXX XXXX XXXX LVNC purchased the so called debt from XXXX XXXX . On XX/XX/2019, I notified XXXX/LVNV that this debt was NOT mine. In fact, the debt collection agency does not even have the correct spelling of my name on their records. 
XX/XX/2019 - XXXX XXXX XXXX evidently ignored my first communication that the receivable they purchased was NOT associated with me and that I have no obligations or liabilities regarding XXXX XXXX XXXX inasmuch as I have not transacted any business with XXXX XXXX. My second notification letter was delivered via Certified Mail with return receipt. 
XX/XX/2019 - Received another collection notice on the same issue from Resurgent Capital Services ( XXXX MI and XXXX SC ) for the same amount. I sent another notification letter via Certified Mail with return receipt affirming that the person they were seeking was NOT me. They continue to have an incorrect spelling for my name which likely indicates someone has 'high jacked ' my name and spelled it incorrectly in the process. 
XX/XX/2019 - Resurgent Capital Services responded with a letter stating that the information supplied was " insufficient '' regarding " identity theft '' as the basis for disavowing that claim. The included an '' Identity Theft Affidavit '' questionnaire for my completion that asked for ALL of my personal information such as DOB, SocSec #, Drivers License #, address, telephone # s. I am uncomfortable providing this sensitive deal information to any one, especially a rouge debt collection agency. 
XX/XX/2019 - Resurgent Capital Services issued another letter suggesting that they have received " duplicate correspondence '' on this dispute. The letter also said " we will not continue to respond to duplicative requests without additional information. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
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: Information belongs to someone else

Complaint:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the major credit bureau multiple times requesting an investigation to verify fraudulent account debt, as I asked who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX XXXX : XXXX, XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Credit Card Company has reported late payment history from the months of XXXX 2017, XXXX 2017,  XXXX 2017, XXXXr 2017, and XXXX 2017 on my credit reports which is inaccurate information and lowing my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. 

I am aware that a consumer reporting agency can only report collections and charged to profit and loss accounts for a 7 year period only to items in a consumer file according to 15 USC 1681c ( c ) ( please find law attached ). I am aware that a consumer file and a consumer report are not the same documents according to federal law ( please find terms defined below ). 

With that being said because I am now aware the 7 year reporting period of collection and charge off 's doesn't apply to a CONSUMER REPORT and only to a consumer 's FILE I am demanding that you REMOVE the following collection and charges off 's from my Consumer Report immediately. 

XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off XXXX XXXX XXXX XXXX Account # XXXX - Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX - Charge Off Once these account are removed from my consumer report, I am requesting a copy of my Consumer Report mailed to me, NOT my consumer FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My federally protected Consumer rights were violated because Equifax furnished false information without my written consent. I never gave Equifax any written instructions to furnish anything on my Consumer 's report. No consent is Identity Theft and infringement on my Consumer 's right to privacy. Based off Equifax violating my consumer rights I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX and XXXX  because of these results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit account with XXXX XXXX through TD Bank. Im trying to make a purchase however TD Bank is telling them I am ineligible due to my account status. I have paid them on time and ahead of time. Ive attempted to contact XXXX and TD bank. On XX/XX/14 I spent 3 hours on hold with TD Bank and never got anyone to answer the phone. I have loaded a screenshot of the call time. 

The number Ive tried calling is XXXX. I even called at the time their call center opened and was on hold for 30 minutes without an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I contacted Experian because they reported me 30 days late on XXXX account XXXX .... in XX/XX/XXXX. They did not respond initially and I just received a response. They corrected the information, but now my XX/XX/XXXX and XX/XX/XXXX are showing 30 days late. It has never been late, none of my previous reports showed 30 days late. I provided my payment history. For 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i paid additional payments to pay my account 1-2 months in advance in hopes of paying the debt off sooner. But instead of being rewarding for making additional payments, my information was reported incorrectly and it is not showing incorrect on any bureau but experian

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 2021-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2011 Wells Fargo XXXX XXXX in XXXX, California paid forged, Fraudulent checks equal to the sum of {$460000.00} to total strangers from an elder account holder. 
Furthermore, Wells Fargo has acknowledged and produced a document with instructions to contact the account owner in the event any checks were presented for payment above the average amount. 

Here are the forged check amounts signed by strangers, approved & paid by Wells Fargo Bank : {$96000.00} {$94000.00} {$88000.00} {$93000.00} {$91000.00} Account owner has spent $ XXXX in legal fees in efforts of recovering damages with no success. 
We feel Wells Fargo should be held responsible for damages since fraud was committed by one of its employees according to a signed statement dated XX/XX/2011 signed by XXXX XXXX, CFE Vice President and Investigator of Wells Fargo Bank For inquiries please contact : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted Citibank on several occasions attempting to close my Citi AAdvantage credit card, most recently on XX/XX/2021. After verifying my identity, the customer service representative did not provide a reason why the account could not be closed. Instead, she said that a letter would be emailed. The balance on the account is {$0.00} since the card has never been activated due to possible fraud warning. I previously received verification letters in the mail in XX/XX/2021 requesting my social security and signature but contacted Citibank to let them know that I was not comfortable sending this information via mail. I've been a previous identity theft victim. Citibank has refused to close the 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 2019-05-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I'm paying my loan every month. The interest is prime minus .40. Sometimes when I pay twice in one month everything goes to interest. The particular payments I'm referring to are XX/XX/XXXX and XX/XX/XXXX. I paid principal and interest on XX/XX/XXXX then when I paid 2 payments of {$600.00} on XX/XX/XXXX and XX/XX/XXXX all of it went to interest. They said the next billing cycle was due. I thought I was paying accrued interest. All {$1200.00} went to interest. They've done this in the past too. At this rate I'll never get it paid off. Is this right?

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 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 and 60 days late. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking over my credit report and I saw this negative collection item the is drastically affecting my credit score, for something I do not recognized from a company called PRO COLLECT INC the report shows the account was open XX/XX/2017 and the original creditor was XXXX XXXX XXXX XXXX I would like this to be permanently removed from my credit report thank you for your time

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 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Im 2013 my car was vandalized and my insurance paid over XXXX for the repairs. I was told to sign it and mail to the lien holder and then they would pay for the repairs to XXXX. They never did and for over XXXX years I paid for a car payment of XXXX. I was unable to drive and was under non operational vehicle with DMV. Capital one told me for over two years they didnt know where my money was and finally I got a call from a man who investigated it. I then w got my car painted with a XXXX check and it appears to look grey and not silver. Capital One offered me to get a new car but the dealership would not take it as a trade in as the damages would be too costly and it t was of no value due to them not having it painted correctly from the repairs insurance money. The car is not in great condition and its have already spent over XXXX on the car and Capital One is still insistent on me paying XXXX which most of is interest and late fees. Im not paying anything as they ignored me since 2013 and I made my payments faithfully even though I could not drive it. Thats over {$7000.00}. All I asked them is to write it off and give me my title but they would never get back to me. I would call but no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ERC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation