BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have not been provied QWR rpeort and I need full and entore QWR reaport. Since 2003 I have been asking this. I need this in15 days no eetension is allowed since I have been asking this since 2003

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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2021 I reached out to the credit companies about a few errors that I saw on my report. It's been over 30 days not and I still have yet to hear anything back from they. I have been checking my credit report to see if anything change but everything is still the same.

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 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent nuptial. 

My address section should only reflect the following addresses in my life. 
XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX APT XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
A cashiers check was sent to my daughter who is a customer of Fifth Third. The cashiers check did clear and she was able to access the funds. Shortly afterwards, they froze her account and requested information that was not necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: BROKER SOLUTIONS, INC.
State: TX
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:
I had called on XXXX/XXXX/XXXX to get a payoff amount, I spoke with the new American Funding representative that stated I had a payment due. I explained to her my situation that Im going through a tough and stressful divorce that I wouldnt be able to make it. But that on XXXX/XXXX/XXXX New American Funding would be receiving full payoff. I had to sell my home due to the divorce. After being done with the conversation I understood I would be ok because XXXX XXXX XXXX would be receiving their funds in 5 Days. But now I am trying to get approved for a new home loan and can not get it because I had a misunderstanding and new American Funding report a late payment to my credit. I have never had an issue with them the whole 3 and a half years I was with them. I spoke with he XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX didnt get much help from him. I called back in the morning XXXX/XXXX/XXXX XXXX my time ( Texas ) and had to tell the whole thing all over to a representative in home retention ( XXXX ) She took the  message and said the manager above XXXX was in a meeting but would give me a call later in the day. I never got a call back. I called again and spoke with another home retention representative which couldnt or wouldnt get me to a manager. She just kept saying well new American Funding would not remove something from he credit. All I wanted was some help to fix this misunderstanding that happened because of their communication. And got nothing in return but a no we cant or we wont do that, even after receiving full payout this morning ( XXXX/XXXX/XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling an item on XXXX. The purchaser sent me a XXXX XXXX  cashiers check for XXXX. XXXX of that was to be paid to a moving company who would " pick up the item they puchased '' I deposited it into my bank. Then the buyer decided to back out of the deal and asked that i send him the remaining balance to his XXXX account.Thinking this was legit and made a second EFT for XXXX to the person for the remaining balance of the " bad cahsiers check ''. The very next day i see my bank also denied the bank issued cashiers check as it was fake. I immediately opened a claim with Chase to have the XXXX transactions cancelled and returned to my account. A week later i call up on the case and Chase explained to me since i made the transactions through the XXXX   system there was nothing they could do to recover the money since it was not in there eyes fraud. I called up XXXX and they advised me they can not help me because i did not go thru there mobile app that i went thru my banks system ( which used XXXX services ) to make the EFT. Now im XXXX lost and it seems both XXXX and chase are not helping me in this matter at all. I ask chase why partner up with a company that will allow for such scams to occur using there system

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: The Outsource Group, 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:
MEDICREDIT, INC. IS THE COMPANY THAT IS NOT FOLLOWING UP ON CURRENT INFORMATION, NOR ARE THEY EVEN TRING TO HELP ALL THEY WANY IS MONEY ... WELL THIS DEBT BEEN PAID MONTHS AGO YET THEY STILL HAVE IT ON XXXX   REPORT. THEY ARE NOT HELPING IN THE PRONLEM THEY MORE THAN HELPED CREATE

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 2021-09-02
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: Investigation took more than 30 days

Complaint:
I sent out a letter for this company " XXXX XXXX '' injuring my credit with this inaccurate information being on my Equifax credit file. Investigation that took place did nothing and did not respond and remove this inaccurate, unverifiable information. They were not compliant and answer when i reached out to this company. Somehow it's saying i owe this when i did not know what they this was. This is my second attempt, please remove this. This has hurt my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: PlusFour, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a Medical Bill of which I have Full Coverage and was Paid by my provider XXXX XXXX. The check reference # XXXX was PAID in Full to XXXX XXXX XXXX XXXX on XXXX 

However, a Collection Agency Name PLUSFOUR , INC has been trying to collect this same debt which I do Not OWE. The was PAID IN FULL By my insurance provider. So today I called XXXX to ask who they were and why they report this account to collection. They said the account was PAID and that they wanted to Charge me to have it removed from my Credit. 

Obviously, it sounds like a Scam and now I am reporting it to you the regulator.

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 2022-12-12
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:
I am writing due to the Non-compliance of XXXX and Equifax credit Bureaus. 

They failed to remove information affiliated with personal information hat were previously challenged and deleted. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a letter from NAVY FEDERAL CREDIT UNION, stating that I owe on an alleged debt. This letter contained violations to my rights pursuant to Title 15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: AZ
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which appears on my credit report, does not relate to any transactions that I have made. It is the result of 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 2019-08-12
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller said we owe on a Paypal account.

We don't have a paypal account. 

I just received a collection letter stating they will accept a lower amount than the debt listed. 

The collection company this letter is from is XXXX XXXX XXXX XXXX When talking with Paypal, they stated they can not look up anyone 's account to see if what I'm saying is true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Seven ( 7 ) years ago ( XXXX ), I purchased a monthly subscription to a cloud-based software program, XXXX XXXX. I used a CapitalOne credit card ( ending XXXX ). The creator of the software program abandoned his project shortly after. The Capital One credit card expired on XX/XX/XXXX. 

The creator of the software ( XXXX XXXX, XXXX ) apparently resurrected the project and used old and expired data to send invoices to 7-year-old customers ... during the night, no less. When I opened my email on XX/XX/XXXX, I discovered an invoice and charge for {$110.00} to my current CapitalOne credit card. Despite the credit card being closed four years ago, Capital One linked this business 's current activity/charge to my CURRENT ACTIVE CREDIT CARD! 

Capital One 's policy for allowing outdated activities seems to expose consumers to a substantial RISK of fraud. Banks should be subject to some form of statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a third party check on XX/XX/XXXX. The check has already cleared. They have put a forever freeze on the funds because they could not verify phone number of the person the check was made out to. I had the person with me and she called XXXX to verify the phone number in question is assigned to her. After calling at least 8 times and going to every branch I could find. With the person who wrote the check and the original person it was made out to with their I.D They would not verify identification in person. Only through their system. Which was wrong. Only a {$250.00} check and appears they have closed the account. So they STOLE {$250.00} from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 submitted a validation request, with errors I found on my credit report to Trans Union. They did not provide me with actual proof how the information was verified, only a computer-generated confirmation. The issues and errors, and validation requested on the report were not completed, or fixed.

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 2023-06-30
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Tried calling on phone and entered number for a call back and they seem to never call me back during business hours. I even called and waited on hold for over an hour and still didn't speak with no one and this was after I took the steps requested in their portal. I even sent them the proof in an email but still no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a mortgage and was informed that an alleged debt by XXXX XXXX was reporting on my credit report. I disputed it directly with TransUnion and requested debt validation by XXXX on XX/XX/2019 via certified mail. The disputes follow and have been received by TransUnion and XXXX. I have never received debt validation by XXXX nor TransUnion. TransUnion keeps reporting this derogatory account despite me sending TransUnion evidence that XXXX XXXX fails to respond. According to the Fair Credit Reporting Act, TransUnion must report accurate information. If the alleged creditor, XXXX XXXX, can not provide evidence that I owe them money, then how can TransUnion continue to report a derogatory tradeline? I need TransUnion to provide to me evidence of the debt or delete this account from my credit report. It is damaging my credit and I have requested the evidence of the debt directly from XXXX. I am unable to purchase a home with this issue on 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 2023-10-05
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: NJ
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:
These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud! 

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11 ) XXXX XXXX {$0.00} XX/XX/XXXX 12 ) XXXX XXXX {$0.00} XX/XX/XXXX 13 )  XXXX {$0.00} XX/XX/XXXX 14 ) XXXX  {$0.00} XX/XX/XXXX 15 ) XXXX {$0.00} XX/XX/XXXX 16 ) XXXXXXXX XXXX XXXX XXXX # XXXX 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
Consumer complaint received 2023-03-17
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the past 10 months, I have been charged late fees. I have called the merchant, XXXX XXXX to complain that I have not received any statements. The only time I am aware that a payment is due is when I get a notice advising that the payment is past due. I immediately make payment and I am told that statements will be sent. However again, I am not receiving statements. I have tried to keep abreast of when payments are due, but sometimes I am told the payment is due on the XXXX and other times, I am told the XXXX. 
I spoke with a rep last month who waived one mon late fee and said she would submit a request for the remaining ate fees. However on XX/XX/2023, I was advised that XXXX XXXX would only waive one month. 
The amount as of XX/XX/2023 totals {$340.00}. I spoke with a supervisor who advised me that it is not their job to recommend sending statements via email and hence will not waive any additional fees. I advised her that I have been disputing these late fees for a while a now but continues to remain as part of my balance. 
The supervisor also would not entertain automatic payments from my bank account so that I am not dealing with late fees or missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief