BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On   XXXX     I sent Transunion,  LLC  about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file via certified mail. The delivery record shows that this item was delivered on   XXXX   XXXX   XXXX     at  XXXX  pm.I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Transunion has not provided me any requested documentation and it has been well past the 30 days that they had to respond to my request. I 'm requesting the immediate deletion of this inaccurate information.

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 2022-01-01
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DISCOVER BANK WAS PIUD AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a default judgment on my Equifax credit report that was vacated by the NY Supreme Court in 2013. Equifax refuses to even let me open a dispute. XXXX removed it from my credit without any issue. It is seriously hurting my ability to get an apartment lease or a job. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 originally opened the account for a MasterCard with Capital One card after bankruptcy. It was a special offer for people trying to rebuild their credit and required a deposit. I have faithfully paid the card every period, usually early and sometimes carried a balance just to help boost my credit score.      In   XXXX   XXXX    ,  Capital One  charged me an annual fee. They waived the fee every year in the past. I called and asked if the fee could again waive the fee. The representative told me they were not able. I have several other cards now with higher credit limits that do not charge annual fees. I stated if you cant waive the fee, please close the account and refund the fee and the deposit that was used to open the account. I was instructed that I could not close the account with a balance. I would have to pay off the balance, and wait  XXXX  cycle to refund the amount owed. On   XXXX   I called to cancel my account and was told their policy would not allow me to be refunded the annual fee as more than 45 days had passed. I was willing to prorate the amount. I requested the account to be closed and the deposit refunded. I told them I would take up the refunding the annual fee with CFPB. This was my oldest line of credit and closing this account will negatively effect my credit. I believe that this is part of their strategy and why they are unwilling to waive the annual fee.   Once again, with my credit score coming a long way, why would I pay an annual fee when almost every other credit card has no annual fee?
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital System a ppeared on my credit report after the original creditor  XXXX   XXXX  deleted the account after several letters of dispute. I have never owned a  XXXX   XXXX  account. I believe after the original creditor deleted the account from my credit report the account was sold to  Jefferson Capital to try and recover. Jefferson Capital never notified me in writing of  this account after the original creditor deleted the account from credit. report. This account does't belong to me and I would like it deleted from all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Yesterday I was advised by XXXX that I am a victim of identity theft. I filed a report with the police who advised me to contact the credit bureaus. I spoke to reps at XXXX and XXXX who were helpful and will be sending me a credit report. 

By contrast with Equifax, it was IMPOSSIBLE to speak with a human being ( punch this, punch that ). After about 15 minutes the computer said I am not entitled to a report and disconnected me. That level of customer service is simply UNSATISFACTORY. It is apparent that senior management has NO interest in helping customers deal with identity theft. Perhaps the Fed Govt can get them to provide me with my credit report so I can determine if any accounts have been opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
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:
Wells Fargo o pen up a fraudulent account without my notice ... .Allowing multiple fraudulent transaction on my account from  XXXX   XXXX   XXXX , withdraws and more to be explaine d Wells Fargo than refuse to investigate fraudulent activity and tampering with investigate threatening to close my account due to retailation of my complaintss

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 2022-04-20
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 XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX  complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,

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 2015-07-11
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Us Bank Home Mortgage, XXXX XXXX XXXX, XXXX, KY XXXX, is engaged in fraudulent practices when it comes to processing principal reduction payments. 
This has happened to me always for the last 5 times. Here is the the illegal scheme :1-I make a principal reduction payment in addition to regular monthly Home mortgage payment. 
2-However instead of applying the the extra payment to reduce my principle, they keep the money in their account for applying to future monthly payments. 
3-However their next month 's statement still shows monthly payment is due next month. This fools us thinking that all the excess payments were applied to principal reduction but in reality, it just stays in their pocket w/o reducing my principal at all. 
As a result the above # 2, they are unfairly charging me more interest on my Home mortgage ( and keeping the received extra money with them as interest free loan ). 
This seems illegal to me and after every such incident call them and they reapply the payment to principal reduction. 
It seems illegal, unethical and fraudulent and may be impacting lots of unsuspecting people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to erroneously report an account ( XXXX XXXX ) with a negative payment status to my credit report even after I have disputed the account both directly with Equifax and with XXXX XXXX. XXXX and XXXX have correctly removed this account from their records, but Equifax has refused to do so. This account was my husband 's account and I was only an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have an account with Bank of America. I tried to add an outside bank so that I can transfer money from my BOA account to my new outside bank ( XXXX XXXX ). Bank of America doesn't recognize the routing number when I enter it. Message says : The Routing Number you entered did not match any Banks within our directory. Please enter a different Routing Number. 
Routing number : 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 2017-05-19
Company: PNC Bank N.A.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter onXX/XX/XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. This in the return address window of the letter.
The reference number of XXXX was given for this notification for XXXX XXXX XXXX  ( against my company that Closed on XX/XX/XXXX with no liens or balances owed. ) The letter explains that it was advised to collect {$110.00} within 10 days to avoid cancellation of privileges.
I called, from my cell phone, to ( XXXX ) XXXX on XX/XX/XXXX at around XXXX - spoke with XXXX XXXX , not very clear. She asked for the RE number mentioned above, I complied.
Then XXXX asked for my personal social security number.
I refused to comply for reason 1. ) It was for my company, but she did n't ask for nor care about the Federal Tax Identification number - which seemed to be a red flag, at this point.
She told me that if I would not give her my social security number, not my FTID, then she could not assist me. At this time, I informed her if they believe that they are owed money, they need to send an itemized statement for my review. XXXX said that they can only provide information if I give them the information that they were asking for ( my social security number ).
I terminated the call with XXXX XXXX at ( XXXX ) XXXX.
I immediately contacted my credit card service representative at PNC and I confirmed that my account was closed with no money owed. XXXX XXXX, customer service at PNC sent a letter confirming that my account was closed on XX/XX/XXXX and no further action has been taken by PNC to pursue collections.
I also have documentation from PNC showing that my business banking account was closed on XX/XX/XXXX, and not further action was needed nor money owed.
In addition, on theXX/XX/XXXX banking statement it was documented that my contract with Merchant Services was met on XX/XX/XXXX.
In researching the information from this company, I have found that they misspelled the city and the address that is provided seems uncertain for what they claim to be.
As explained before, if I owe money I should received an explanation of what the charges are for shortly after my contract expired.
Since this communication via telephone, I have received a calls to my previous business line from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX - no message was left. And another call from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX where the same person that I spoke with on XX/XX/XXXX now identifies herself as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of America needs to let me resolve the fees on my 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 2017-05-19
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni is stating that I owe a debt in the amount of {$330.00}, the original creditor is  XXXX . I have repeatedly disputed this claim several times via mail for about a year, because this is not my debt and fraudulent activity with this account. I never signed a contract with Afni or  XXXX . I attempted in good faith to offer a pay for delete and never received a response from Afni. I would like this account immediately deleted from all my credit reports as I am not the owner of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions 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:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX and XXXX directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX Balance {$1600.00} Acct no. 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 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX RAN MY CREIT WITHOUT MY PERMISSION AND I NEED THIS DELETED OFF MY CREDIT REPORT THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX has my previous account ( XXXX -- ended in XXXX 2014 ) in collections ( XXXX, phone : ( XXXX ) XXXX, partial accountant number XXXX ) because XXXX states I signed a contract for reactivation of XXXX of my XXXX cell phones ( XXXX ) on XXXX XXXX, 2014 which made me break the original contract by getting XXXX new phones/contract with XXXX on XXXX XXXX, 2014. 
I DID NOT SIGN A REACTIVATION CONTRACT WITH XXXX. 
XXXX WILL NOT PROVIDE THE CONTRACT SUPPOSEDLY SIGNED BY ME. 
All credit companies have this incorrect information in the amount of {$310.00} and XXXX refuses to show documentation of this supposed documentation. 
I have been disputing this incorrect charge since XXXX 2014!!! 
I signed a contract with XXXX on XXXX XXXX, 2014 when all three phones were no longer in contract with XXXX. 
Now XXXX has bought out XXXX ; so XXXX is now XXXX. 
The new " XXXX '' is updating all XXXX XXXX clients with giving them new Android XXXX XXXX 
I can not received new XXXX because of this incorrect collection statement on my credit reports .... EVEN THOUGH IT IS XXXX 'S FAULT. 
My credit score has suffered immensely because XXXX refuses to provide the documentation that I supposedly signed a reactivation contract. 
Unbelievably, some of my insurance premiums went up because my credit score went down because XXXX will not provide the documentation. 
I can not get a lower interest rate on refinancing my house because my credit score went down because XXXX will not provide the documentation. 
This incorrect collection accusation is causing havoc in my life not to mention if it is not taken off my credit reports, the incorrect collection will follow me the rest of my life. 
Again, I have been disputing this incorrect accusation since XXXX 2014. 
If XXXX can not provide the 'signed contract of reactivation '' which I did not sign, then they need to recognize a mistake was made on their part somehow, somewhere, sometime and admit to it. 
When I call XXXX, Customer Service says they can see where I have reactivated the phone on XXXX XXXX, 2014 but they can not find the contract. 
I say, " If you can not provide a signed contract, then you have no proof to accuse me of signing the contract ''. Customer Service says I am right, but there is nothing they can do as it is already in collections. EVEN THOUGH I BEGAN CALLING THEM XXXX 2014. 
Please request XXXX to provide the contract, or copy of thereof, with my signature on it or admit this collection charge is in error and remove it from my credit reports. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: GreenSky, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Green Sky Loan Services has called me almost daily for 2 weeks. They have called from 2 different telephone numbers. They are looking for 2 women I have never heard of in my life. I have asked them nicely at least twice to stop calling me as I have no idea who they 're looking for. They always say no problem that my number will be removed. Then I get another call from them the next day. Please make the calls stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC, is stating that I owe a debt in the amount of {$240.00}. I repeatedly disputed this claim several times in the last year because this debt is not mine and fraudulent activity with this account. I have never signed a contract or received any paperwork from LVNV Funding LLC stating that I owe this debt or details of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
My score drops about XXXX points ( from XXXX to XXXX ... ) for a month, there are some things that do n't make since ... 
My Credit Card Utilization - XXXX from XXXX XXXX, {$10000.00} Limit / {$8500.00} Used - it is 24 months interest free, but it is count as real credit card ... 
XXXX from XXXX - that XXXX is for 60 months interest free, but still counts as real credit card ... 
Credit Inquiries - I get a new mortgage this spring from XXXX XXXX, for some reason they have XXXX Credit Inquiries for the same thing .... 
in the same time, another bank run another Credit Inquiry fro the same thing and I only has been asking for quota ... 
I really do not remember asking XXXX and XXXX XXXX for anything and why they issued Credit Inquiries ... 
So, without even a late payment on anything, my score drops XXXX points, I do not think this is fair ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
PayPal ran a hard inquiry on my credit on XXXX/XXXX/15 which I did not authorize. I was trying to make a purchase on eBay and I clicked add PayPal credit, thinking I was adding the {$10.00} I had in my PayPal account, but instead you ran a hard inquiry on my credit. I was NOT applying for credit nor did I authorize PayPal to run my credit. Please remove hard inquiry from my credit report with all XXXX credit bureaus. Customer service was very rude and made me cry, when asked to speak to a supervisor I was put on hold twice for over an hour.

Company response to consumer: Closed with explanation