BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: OH
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:
Credit inquiries on my account thats 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 non-monetary relief
Consumer complaint received 2020-09-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After verification process the outstanding balance on credit card is not valid and is miscellaneous debt. Credit card issued by the Wells Fargo bank was not sign in order to ensure that the business upholds and maintain security as promised in consumer Contract. In clear violation of consumer privacy acts. Without a signature verified on back of credit card, credit card can only be used by business as a form of identification. Stating otherwise will result in perjury. Risk factors and discrimination for at risk status. False and defamatory available if necessary.

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 2020-09-14
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I started receiving my Indiana child support on the Way2Go Card last month. I have had three deposits and have not been able to withdraw cash out of an ATM without being charged a fee. I have attempted to call multiple times and have spent hours on the phone on hold trying to file a dispute and getting this resolved without any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records of my rights as a consumer. I will then contact my lawyer to take legal action.

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using Consumer Law that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 2021-08-08
Company: MRS BPO, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mrs associates damaged/threatened my credit score by making false statements/accusations of false debt owed. On more than one occasion. This interfered my ability to obtain a home a car and employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
State: PR
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:
The balance reported it is incorrect it should be a balance of {$200.00} instead of {$400.00} this is inaccurate information reported into my credit files as well a violation of the FCRA due to the company reported the inaccurate information it must be removed by law.

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 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
The balance reported it is incorrect it should be a balance of {$200.00} instead of {$400.00} this is inaccurate information reported into my credit files as well a violation of the FCRA due to the company reported the inaccurate information it must be removed by law.

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 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
The loan was paid off by the unemployment Insurance that the loan carried and it does currently show as paid 100 % the the account went into my default on XXXX then the company re reported on XX/XX/XXXX witch is not the correct information and should be removed by the FCRA this information needs to be removed. In XXXX the last payment was recorded as XX/XX/XXXX and in Transunion last payment was recorded on XX/XX/XXXX this show that the XXXX XXXX it's failing to report accurate information to my credit files this is a violation of the FCRA and this item must be permanently removed from my files by law or otherwise will suit the company for reporting inaccurate information on my credit files.

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 2021-08-08
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assetcare LLC flagged my credit reports with unverified medical collection information on XX/XX/2021. A dispute was filed with all 3 major bureaus and this account was removed from XXXX  and XXXX  immediately. 
XXXX  verified the information as accurate and Assetcare flagged my XXXX  credit file again with the same information on XX/XX/2021. 
I have decided to conduct my own investigation. I have never experienced a debt collection company : add their account to my credit file violating my HIPPA rights with unverified information, providing no contracts to prove I received any goods or services to support their claim that I actually owe a debt while failing to provide where they received my information. 
Please be advised that Assetcare LLC is not licensed to collect in my state, Assetcare are debt collectors with no contracts to support their claim of a debt owed Assetcare are not accredited by the XXXX  nor, does Assetcare have a XXXX 's number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2018-08-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On my card ending in XXXX american express deducted XXXX  membership reward points.

When I called in on XX/XX/2018 I was told the reason for this is because I downgraded a card I earned a bonus welcome offer.

They did not tell me this when I downgraded.

Also, when I called in the supervisor was not able to show me any terms that mention this specifically. After speaking with a supervisor for about a half hour all the supervisor was able to come up with is that the terms specify they have a right to remove the points if " you have engaged in abuse, misuse '' All I did was change my card to a blue card. Changing a card is a standard procedure. The rep that changed the card didnt mention that changing cards is abuse.

Also, they took back the points about 2 month after the points was used leaving me with a negative balance. What kind of decency to after using the points to come up with reason to remove the points. If they felt this was abuse they should have removed the points right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX opened on XX/XX/2020 in the amount of {$900.00}, XXXX XXXX XXXX XXXX opened XXXX in the amount of {$300.00}, XXXX XXXXXXXX XXXX XXXX XXXX  opened XXXX XXXX In the amount of {$18000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently pulled my credit report, I noticed this account ending in XXXX which does not belong to me. Please delete off of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: CA
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 disputes with the credit bureaus and still have not receive anything from them. I understand they are in a state a different state then me but still should not take more then 30 days to reply to my requet.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputes with the credit bureaus and still have not receive anything from them. I understand they are in a state a different state then me but still should not take more then 30 days to reply to my requet.

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 2020-09-14
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 information incorrect

Complaint:
This complaint is regarding Experian Credit Bureau, which most major credit cards and mortgage lenders use to issue credit. I had a XXXX hospital bill that was listed by the XXXX XXXX XXXX as a collection with all three credit bureaus. I paid the hospital bill in full and around XX/XX/20, the XXXX XXXX XXXX, who was collecting for XXXX reported it to all three bureaus as paid in full. However, it has been almost 30 days later and Experian is the only credit bureau that lags behind in removing the paid collection. Also, I have attached messages that I received from Experian that my credit account balances have decreased significantly. However, my credit scorXXXX does not increase but with XXXX and XXXX, my credit scores are higher because they are more efficient in reporting accurate and updated information. I do not understand as a United States citizen how non-U.S. credit bureau out of XXXX can have precedent on our credit reporting system. Therefore, in most cases being inefficient prevent the average consumer from obtaining mortgages, credit cards, auto loans, and etc.

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 2020-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Harassment. Dropped through credit bureau dispute and placed twice on credit bureau. XXXX XXXX  XXXX XXXX Credit Card not valid unless signed. Abuse by merchant when card is only valid for Identification process. XXXX has release personal and financial information on miscellaneous acts. Misconduct, violation of privacy clause. Meets FCRA for deletion or reissuing at adjusted balance of XXXX. Business denied all attempts to process correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my existing mortgage. On XX/XX/XXXX at XXXX the title company wired the money to NewRez ( the exising mortgagor ) to pay off the mortgage. NewRez applied the payment on XX/XX/XXXX and took 3 additional days of interest out of my escrow without any notification to me. How can they the steward of my escrow account take money out for their benefit without any kind of notification? This should be illegal!!! The title company has provided me proof of the wire to NewRez the morning of XX/XX/XXXX and I have forwarded that to NewRez and their response was it took 3 days to process. They charged me 3 days of additional interest by taking my money without permission thru my escrow!!! How can this be?? dont they have a fiduciary duty-Its my money and their charge was crooked and false. How many people are they stealing from? Im sure this is a widespread practice. Along with delaying my escrow refund by 30 days with no interest on my money. They charged me XXXX in interest for a time period they already had my money ( full mortgage had been paid off )!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
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:
After recently being denied for a checking account, I viewed my credit report and noticed many errors. The account listed below is reporting inaccurately on my credit report and is in violation of the 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. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. 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 account be verified or deleted immediately : ChexSystems. The following addresses are NOT affiliated with me. XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX  XXXX XXXX XXXX. XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. There are also unknown inquiries that I am unfamiliar with. 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 XXXX XXXX, XXXX XXXX ( on behalf of 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 2020-09-14
Company: EQUIFAX, INC.
State: AL
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 filed a dispute in XX/XX/2020 for Equifax to investigate on US DEPT ED- XXXX & XXXX & another dispute on XX/XX/2020. US Dept Education is in violations of my rights by the following collection/charge off account, with an account number of XXXX on my credit report is claiming to have Balance amount higher than the actual High Balance amount. As you know this is inaccurate which is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018, I paid the annual fee for my Capital One Venture card ( {$59.00}, automatic from checking account ). I cancelled the card shortly after without ever using the card further, and while I was on the call for cancellation I confirmed that the annual fee would be refunded. In XX/XX/XXXX I got a bill that noted that my balance was {$0.00} as expected but no mention of the refund. I called again this month, XX/XX/XXXX and was first told that it had been refunded, and then when I told them I wasn't I spent almost half an hour ( 29 minutes per cell phone clock ) on hold, after which I was told that someone would call me back sometime next week. I've been told that before by Capital One and experience says they won't.

Company response to consumer: Closed with monetary relief