BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: NY
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One Bank is claiming that I have to pay a late fee of which they claim they notified me of a late payment before they imposed the late fee. They say that the late fee is based upon the fact that since I had made additional purchases on my present account balance, my due payment amount had increased. The problem with this is that I was not notified about the increase by email they claim that they sent. They told me that my payment amount had increased as of XX/XX/2022, but I didn't receive notice of that either. In addition, they also told me that in addition to the late fee, that because I did not make my payment within the pay cycle of the month of XXXX, even though I made the XXXX payment 23 days before it's due date of XXXX XXXX, they are charging me a late fee of {$40.00} of which I do not feel is fair based upon their assumption that I had already been notified. The only late payment email notice I was able to find in my mailbox based upon their claims that they had sent these notices beginning back in XXXX was the one they blindsided me with in an XX/XX/XXXX email. Since I was unable to resolve the problem with Capital One, I would like to see if perhaps we can get it resolved through mediation from your organization. I feel that because they refused to accept my word that I had not received the late payment notices sent to me beginning in XXXX, and into XXXX, I feel they are taking the position that I am a liar. I don't want to take the same position that they are the same for claiming they sent the alleged emails, even though they could be lying. I think they need to be investigated for unfair business practices that include the late fee traps they set up for their customers to make themselves ( Capital One Bank ) more money. 

Address : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited an escrow check in my aunts name signed over to me in the sum of XXXX. I deposited check at ATM and received a receipt stating availability of {$5500.00} on XX/XX/2022 and the remainder of {$4400.00} on XXXX the next day I checked my account and I had an XXXX Adjustment of {$10000.00}. Wells Fargo XXXX adjustment definition is access to full amount of funds available for withdrawal. This was not the case I was not able to withdraw funds.. I contacted Wells Fargo and they explained I needed to provide a durable power of attorney documents to receive funds. I faxed to fraud department immediately and on Monday provided the bank with copies. Wells Fargo explained that they were sending the check back for me to deposit again and I would be able to access funds. This never happened.. I contacted wells again and they told me to keep waiting it has been over a month and they will not respond.. the hurricane that came threw my town damaged the branch I normally go to so I was not able to speak with my banker. I sent him and the bank manager emails but got no reply.. On XX/XX/2022 I ordered a new ATM card and have not received it the account deposit balance is to renew to XXXX every month that has not happened also showing in my account and attached accounts the funds were there but not available.. I have not received a written notice with the explanation of non payment, reversal, or item not paid with the check and error codes and check sequence numbers the banks are required to do for the XXXX check. I filed a dispute for the XXXX and received a written notice XX/XX/2022 from Wells Fargo stating that they are sending the check back saying they can not accept it for deposit. Hoping to get this resolved ASAP. Thank you

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 2023-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
High I'm reaching out because I recently got my equifax credit report # XXXX and I've noticed these hard inquiries on my credit report that I don't recognize or gave written consent to anyone of them. I have rights under 15 usc 1681 that state Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I ask these inquires be looked into and verified along with proof of verification. If said inquires can't be verified or shown proof I ask they be removed from my equifax report XXXX XXXX did a inquire on XX/XX/XXXXXXXX XXXX XXXX # XXXX did inquires on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX did a inquire on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Southwest Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, myself and my underage minor son, XXXX XXXX went to the XXXX XXXX XXXX XXXX XXXX for an urgent XXXX XXXXXXXX test. My underage minor daughter, XXXX XXXX had been to the same clinic 2 days prior for the exact same test. We were all seen by the same doctor and had the same test performed- a simple rapid XXXX XXXX test. At the time I had XXXX XXXX XXXX XXXX insurance. 

Many months after the tests, I was sent direct payments cover part of the payment owed the hospital. In all I recieved different payments for each of us, as were entered into the billing systems with different billing codes. All checks I received were given IN FULL to the billing office at XXXX XXXX XXXX XXXX XXXX XXXX. They did not cover the original billed amount, but the agreed upon insurance covered amount. 

Unfortunately the staff at the XXXX XXXX XXXX XXXX XXXX allocated the funds incorrectly and overpaid some of our accounts ( XXXX ) and underpaid some of our accounts ( XXXX ), making it appear as if the account was unpaid. In all, the medical facility received all payment owed for the XXXX covid XXXX tests for all 3 patents. 

After many many months ( at least 8 months ) of disputes between the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and myself, the matter was finally resolved by management at the XXXX XXXX XXXX XXXX XXXX and the accounts were closed as paid and in good standing. The matter was closed. 

More than XXXX year later, I received a DEBT COLLECTION notice out of the blue from a company called S.W. Recovery Services saying I owed {$3200.00}. They did not reference when services were performed, for who, or any other details. I disputed the claim with them. 

They next sent me by mail and old bill from XXXX 's early visits showing the unresolved payments for the XXXX XXXX test from XX/XX/2020. I told them this matter was complex, had a lengthy dispute, was more than XXXX XXXX XXXX and had been resolved as closed and paid. They continued to threaten me with credit bureau reporting and legal action. 

How do I get them to stop trying to collect on this matter? It is not a valid claim. It was a closed, paid account. And it was an early XXXX XXXX test that became eligible to be paid in full without medical insurance REGARDLESS. No other services were rendered at that time besides one XXXX  test for a XXXX XXXX XXXX child. 

Thank you for your help in this manner. 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: TN
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  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, a payment of XXXX USD was sent to a closed account. PNC has since, refused to reverse the payment, sent the incorrect amount to an incorrect address, refuses to contact about the situation in any manner that would give me record of the conversation. PNC refuses to communicate over phone call, and is not accepting any phone calls with recording. I do not consent to one party recording, and the illegal actions PNC is constantly trying to pull is extremely concerning. It has been over 2 months with all signs pointing to PNC ignoring this situation. They blatantly stole money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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:
Investigation took more than 30 days and nothing was changed to my credit report ... attached is my credit report of that XXXX account proving that there are misleading incorrect inaccurate items on my credit report .... clearly violating my rights!! THE EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS!! ONLY A XXXX PERSON DONT SEE THIS INACCURACIES ;!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX 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 A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX  A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XX/XX/XXXX to XX/XX/XXXX I was XXXX  XXXX times and had XXXX XXXX, I ask that the delay in responding to the complaint be forgiven. XX/XX/XXXX i submitted a complaint against XXXX and Equifax i had originally disputed inaccurate, unverifiable and unfair information reported on my public record as per FCRA section 611 ( a ) ( 1 ) ( A ). XXXX XXXX sent a letter indicating my public record file could not be verified therefore it was deleted from their data system. I submited a dispute with the credit agencies for removal of the unverifiable information. XXXX deleted the information as requested. It still remains on my report with XXXX and equifax. They claimed to have verified the information on my report as accurate? I contacted the XXXXXXXX XXXX XXXXXXXX,. I asked them about their reporting of information to the credit agencies. THEY DONT REPORT TO CREDIT AGENCIES!!!! THEY WONT. XXXX never contacted the XXXX Bankruptcy court to verify my information as accurate? a 3rd party verifier or " public records vendor '' buys automated information, its obtained through computer systems like E-Oscar and PACE. Computers make mistakes. For XXXX to claimed my account is verified as accurate is False and a violation of the FCRA. they did not verify through the courts. XXXXEquifax states right on their website they used 3rd party database XXXX XXXX to obtain public record data and verify public record information. On my Equifax credit report under all the information there is a spot to say when the records were verified? Its blank? I will attach screen shot if allowed. In the letter dated XX/XX/XXXX from XXXX XXXX they deleted my public records file from their system this should include anything said to be verified or unverified. If XX/XX/XXXX my file was deleted, how can it be verified as accurate XX/XX/XXXX? Any false verification, inaccurate, unverifiable or unfair item as per FCRA section 611 ( a ) ( 1 ) ( A ), i am requesting be deleted off my public record portion of my credit report. Any methods of verification that are obtained through computer systems or computer generated database such as E-Oscar or PACE is unacceptable, inaccurate, incomplete, and represents a very serious error in their reporting. I will request it be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: MA
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 XXXX ( Bank ) XXXX XXXX, 2022 XXXX  XXXX ( Bank ) XX/XX/, 2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX XXXX Bank ) XX/XX/, 2022 I don't recognize this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a Wells Fargo checking account from when I was XXXX  until I was in the middle of completing my XXXX XXXX and routinely had my withdrawals structured and delayed so that they would overdraft my account and ensure a fee. 

I attempted to contact Wells Fargo to dispute the late fee and was told by customer service that despite all of the charges being put into in a relative order to ensure the funds were present they directly restructured the payment schedule and I was unable to request the late payment be forgiven because I had requested too many be forgiven in the past.

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 2022-11-13
Company: EQUIFAX, 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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: GOLDMAN SACHS BANK USA
State: OH
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:
I filed a complaint with XXXX  on XX/XX/22 for the complete mishandling of the conversion of XXXX XXXX to Marcus by Goldman Sachs. They resonded and were supposed to credit my account by {$580.00} ( attached ) on XX/XX/22. Inexplicably they actually reversed my original payment on XX/XX/22 and instead began charging me additional interest/fees. When I called to ask WHY they would not have done what they responded to the CFPB regarding resoultion their response was " It was done in error but unfortunately they do not have authority to correct and I needed to file another dispute '', which I did and was quickly denied ( attached ). I then paid the exact amount, AGAIN, that was due of {$3800.00} per the first CFPB complaint resulting in what should have been the credit to my account of {$580.00} but instead was a balance due plus interest of {$590.00} that was done in error and would be corrected. They have now charged additional interest, late fees and reported to the credit bureaus TWICE. The amount of time I have spent and their repeated inability to resolve this matter is exhausting and as I stated in my first complaint appears to be intentional to wear down the consumer not equipped to understand this behavior and just pay them to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13
Company: HYUNDAI CAPITAL AMERICA
State: CO
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:
In XX/XX/XXXX I leased a XXXX XXXX through Kia/Hyundai Financial . All payments throughout the leasing term were made on time. When my lease expired in XX/XX/XXXX, I decided to purchase the car, for the purchase amount of {$16000.00}. I financed the loan through my personal bank, XXXX. XXXX submitted the payoff amount to Kia, in XX/XX/XXXX, and there is record of Kia accepting payment. A couple of months later, Kia placed a derogatory mark on my credit reports, claiming the account as a charge-off. All attempts to fix this with Kia have been unsuccessful. Kia claims they returned the payment back to XXXX, but can not provide any record of the supposed returned payment. It was escalated to several supervisors, who were going to look into it, and get back to me, and I have never received a follow up phone call. In XX/XX/XXXX, the derogatory account was removed from my credit reports. In XX/XX/XXXX, it was put back on by Kia Financial, still claiming the account as a charge off.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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