BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed an EFT Dispute on XXXXXXXX XXXX, XXXX, TX requesting a full refund of a federally protected Administrative Fee of {$150.00} the apartment manager charged to my account, after denying my application. Federal consumer financial protection laws prohibit apartment complex owners and managers from keeping administrative fees after denying an application to lease. Frost granted a provisional credit, then reversed it taking the money out of my account. I am now overdrawn and have sent an EFT dispute demanding that they immediately return the funds to my account. I further reported that I would file this dispute with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX  CARD XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}

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 2023-04-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was sold to the collection agency that I had no contract with. It violates the state of Texas Civil practice and remedies code. section 16.004 and section 392.307

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
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:
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 15 USC 1681. 


Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo provided me with my first credit card. The account was overdue for 60 days and they closed the account completely thus leaving a negative impact on my credit.. I lost my job and lost my apartment. Now I cant even find an apartment because they screwed my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}, AM XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a closed XXXX account report on my credit report Ive never used or had XXXX XXXX and I never lived at the residents the account is attached to its 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
Consumer complaint received 2023-03-04
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:
My name is 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.

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 2023-06-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
High interest rate on a car that is old and have high miles

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 2023-03-14
Company: YSA ARM LLC DBA Oxygen XL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I dont owe this dept I need to dispute this bill reference XXXX or charge number XXXX I dont owe this!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I received a phone call customer service number from chase saying my debit card was being compromised. Then they text me a link from chase and the person went into my account and did 3 wire transfers and me as a customer that same.day i.notify chase fraud department and went into a branch. XXXXhase refuse to.denied my claim and did not help.me.with this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked XXXX XXXX  for the home owners warranty rate. They gave me the rate and I didn't want the rate and didn't get any coverage. Instead I singed up for another company who give a better rate. I called XXXX XXXX and explained the situation. They keep sending the bill and finally they sent it to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Tate and Kirlin Assoc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have previously disputed this debt multiple times. Then the debt is sold to a new company and they start contacting me and I have to dispute again. 

Every morning I get a call from the same number and when I answer they refuse to say anything and just hang up. On XXXX I sent a certified letter to the company that they signed for and even confirmed via phone that they received. This letter specifically stated that the debt was not mine and I should not be contacted again regarding this matter. Yet every morning I still get a phone call from this debt collector. 

On XXXX I spoke with three different people at the collection agency and recorded my call. During this call all three people ( XXXX, XXXX (? ) and XXXX XXXX confirmed that they were aware of the letter that was sent and could see it in my file yet they were still contacting me. Their excuse was that they do not call it is the automated dialer that calls and they can not control the automated dialer. Which makes no sense at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: CBC Companies, Inc.
State: VA
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:
Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. accordance with the fair credit reporting act Equifax is govern by 15 USC 1681 and the they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Bread Financial Holdings, Inc.
State: IA
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:
In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : Comenity Capital / Children Place, My Smile XXXX XXXXXXXX XXXX Comenity, XXXX XXXX XXXX. They are using my information to make fraud with my social security and affecting my credit. COMENITY CAPITAL BANK MY P.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I notified company to dispute debt claim to be owed to them. I have requested for them to verify proper validation and yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this XXXX XXXX account as fradulent in the past. I also disputed this account as a closed account. The account was then reported as closed but the balance was added to my revolving credit balance, which is wrong. For some reason, XXXX XXXX is reporting as an active revolving line of credit. XXXX  XXXX is a closed, charged-off line of credit. I am not currently employed by a company, so I am not able to pay the debt at this time. This account is in fact closed and nonrevolving none the less. I can work out repayment with XXXX XXXX Bank when I have consistent income and is gainfully employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: RSI Enterprises, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a red light citation from the city of XXXX XXXX, Al red light safety program alleging that I had ran a traffic light. The date of the violation showed as XX/XX/2022. I also received instructions that advised me that if I provided information identifying another, which I did in addition to the police report that was done prior to this ticket being issue. I provided this information to the company on XX/XX/2022 via us mail and it was confirmed that it was received. Though the police report clearly says that my tag was stolen and on the instructions that were provided to me said that if I would provide the given information it would be transferred to the correct party. This was not the case. This corporation fraudulently sold a debt that is not mine to a debt collector tarnishing my name in addition to committing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Clark County Collection Service
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2015 I rented house in XXXX XXXX The rent was {$1600.00} a month and to get into a contract I was required to pay deposit of 3 months and extra fees of the amount of {$5300.00} I did pay some of this deposit was not refundable {$4800.00} was Securty deposit and the rest Im not sure, it was so many years back. 
I was living there for 1 year and they send a letter to ask me if I will sign up for other year I say no Im leaving. 
All this yea I pay on time, I have no balance! 
Few days before I move out they send someone to infect the house. 
The house was in perfect condition. 
It was just me and my son live there. 
I make sure the house its clean and paint some of the walls with the paint the company employees provide me. 
After I left the house I went to the rental office to request my money deposit back and they say no you owe as more money and start to make things up. 
It was completely scammed. 
Nothing of what they say it was true. 
It was a group of Family own, not professional! 
I try really hard to fight and get at least some of my money and they keep say we dont owe you anything please leave. 
It was so many years ago, but I definitely remember the feeling I had back there. 
I I couldnt do anything about it and I left by knowing they took my money for no reason! 
Then few years back I find out they actually sold me to Colection by saying I owe them more money. 
Completely scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an account with Wells Fargo that got closed without my knowledge or approval. When I contacted Wells Fargo they offered no explanation as to why. My account was in good standing and not overdrawn. They were no help at all.

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 2023-03-29
Company: Credit Karma, LLC
State: OR
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:
In XXXX of last year I noticed my credit score dropped XXXX points for literally no reason on my Credit Karma, they never got back to any of my emails as I was trying to get it figured out as they supposedly don't deal with fraud over the phone. I'm not sure what the issue is, why my score dropped for no reason and if someone got into my account without my permission. XXXX points is a huge drop and will take years to get back up, my score was excellent on there and it dropped to fair, that's not okay at all but I checked on XXXX and my scores were normal, what they should be. Credit Karma as not taken any fault for this happening to my account, they need to fix the problem/figure out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we have been trying to short sale our home due to my wife 's medical conditions for the last 2 years I have given them al the required info they have requested we have now been thru XXXX buyers on our home and They still keep asking me for the same documentation every time we give them things as they need it and still have to send more papers every week.here is what we sent them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation