BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
the company NCC Business Services, called me because my old apartment complex said that I owe them XXXX dollars one month after moving out. This is a false debt because I paid everything I did owe them. they did n't give me the opportunity to confront them. They just wanted me to pay. I could n't pay unless the information was verified. 
they did n't want to verify and said that they will report in my credit if I could n't pay. All they did care about was money. this means that anybody can put anything on your report without proper verification, and I cant accept that. 
They accused me of damages without prooffalse amount of electric bill without statement from the electric company. 
wrong balance at move out went I did n't owe anything. 
They forced me pay everything before the end of my last term over there. I have my bank statement to prove what I 'm saying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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: Information belongs to someone else

Complaint:
i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I have Challenge a account XXXX XXXX XXXX XXXX on my Experian credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy

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 2016-10-26
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am addressing a Public Record Information on my credit profiles that I feel is inaccurate in its filing. I did not follow through with completion of any action with the Federal Court. It is my understanding that " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. As an American consumer I have the right to know WHO and HOW someone is verifying information that is holding my identity and credit under " HOSTAGE '' for 10 years. As a Federal Government entity, the Bankruptcy Court has confirmed that they did not verify or report to any agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My car was stolen on XX/XX/XXXX, and in my car was my bank of america prepaid debit card. This card was compromised, and the remaining balance of XXXX $ or so was fraudulently depleted. Since XX/XX/XXXX or so I've been dealing with Bank of Americas claim team, and have been unable to regain access to my account. 

After filing my claim around XX/XX/XXXX, and receiving the new prepaid card Bank of America/EDD has placed a hold on my account. They both claim that they haven't made any action against my account, but I have been told to wait and wait and eventually my account will be reopened and I'll be able to utilize the funds that were remaining, and hopefully the funds that were fraudulently used. I desperately need these funds as my EDD income is my only source of income currently.

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 2016-07-26
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting CO in the current month of several closed accounts which is totally incorrect because these accounts are closed years ago. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX -- This is a closed and paid account but only Equifax is reporting it as open account and also reporting it with balance. Equifax is also keep on reporting CO every month on this closed account. 
XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. 

I have disputed this with Equifax and sent them many letters but they keep on ignoring these issue and continue to report these CO every month on the closed account and it is decreasing my credit scores terribly. 
I am attaching the screenshots of these

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sumbitted a dispute for inquires listed on my credit report dating from XX/XX/2017 and prior to Equifax on XX/XX/2017. It has been longer than the required 30 days for the investigation to be completed and it still is pending. I 'm asking for these inquires to be removed as this is damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I challenged Equifax to remove the credit fraud alert off of my credit report, then, they requested an ID and check stub, I sent them this and THEY STILL did not remove the credit fraud alert, however the competitor XXXX had no problems removing the fraud alert with the very same documents. So, this tells me that Equifax is perpetually trying to frustrate me based on racism. Let it be known that I will not tolerate this kind of treatment and incompetence. I 'm demanding that EQUIFAX REMOVE the fraud alert from my credit report. This is causing me to not achieve the American Dream and I will fight dearly for it. You ARE BEING WARNED to remove this fraud alert from any credit reporting AT ONCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1.XXXX reported that my bill was paid as a charge -off, fixed rate. The date stated opened on XX/XX/XXXX ; date of last payment as XX/XX/XXXX. To the contrary, I paid the entire bill amount I owed, so IT WAS NOT A CHARGE-OFF. 
2.XXXX stated XXXX XXXX XXXX XXXX was owed {$160.00} on XX/XX/XXXX. The status showed D-Unpaid. I paid the bill in full for medical/health care. 3.XXXX XXXX XXXX was paid {$980.00}. Date assigned XX/XX/XXXX ; status D-Unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
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:
I have a Rewards Mastercard issued by HSBC Bank. On XX/XX/XXXX, I redeemed 20,000 points that I had accumulated as rewards for two ( 2 ) {$100.00} XXXX gift cards. My redemption request was acknowledged in an email from HSBC. After 6 weeks of waiting, I contacted HSBC and ( after about 45 minutes waiting ) I was told that my inquiry was being forwarded to their rewards division and that I would be notified by email when my gift cards were being mailed. As of this date ( XX/XX/XXXX ), I have neither received the gift cards nor have been told when to expect to receive the gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit score is being lowered simply because I have an inquiry. I 'm a full time student in a XXXX program and have applied to private and subsidized lenders for student loan funds. As a result, my credit score is effected because they automatically check my credit when applying. In addition, I 've applied to a couple of credit cards which appear to have better interest and/or point program, but not necessarily going to take the line of credit. THIS DOES NOT MAKE ME A RISK!!!!! If I 'm not paying my bills or paying late I can understand that having a impact on my credit score, but IF I AM PAYING MY BILLS AND PAYING ON TIME, WHY SHOULD MY CREDIT SCORE GO DOWN!!!!!!!!!! I think this is unethical, unreasonable, and unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX Complaint Case Number XXXX I hold a deposit account with Wells Fargo Bank, No.XXXX. Yesterday, on XX/XX/2021, I received the attached notice from Wells Fargo Bank that they decided to close my account. The bank chose without advance warning to make the balance of my account unavailable to me until XX/XX/2021. Doing this denies me my salary and, consequently, puts me in a very bad situation with regards to paying my bills and keeping myself alive. I am more than upset and angry. The balance on my account is currently {$4800.00} and I am demanding that the entire amount be made available to me so that I can move the funds to a bank that will do business with me and make my funds available at once!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved.

To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. 
Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXX In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. 

XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX I sold a XXXX XXXX XXXX to XXXX XXXX XXXX He paid me using cashapp in the amount of {$650.00}. XXXX XX/XX/XXXX XXXX XXXX used a chargeback on me for the amount {$650.00}. Cashapp allowed this person to get his money back and Cashapp took the money out of my Bank. This is clearing fraud by XXXX XXXX because I sold him the XXXX XXXX XXXX. This transaction was done at a police station which has video proof that was a legit transaction. The only information I got from cashapp is they do not deal in chargebacks. I clearly did not wrong and cashapp is aiding XXXX XXXX in commiting Fraud by giving him his money back and keep the product I sold him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Sequium Asset Solutions, LLC
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 account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 XXXX reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted Mr. XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Debt Recovery Solutions, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt recovery solutions sent an unsolicited debt recovery notice from XXXX XXXX. Have never sought credit from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** XXXX - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed to Equifax Dispute # XXXX with a letter from XXXX Bank saying to remove the XXXX hard pull credit inquiries on my credit report. 
Equifax responded and said it was factual after I have sent copy to them of a letter from XXXX bank saying that it will be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Collection Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am choosing to settle this debt with original creditor XXXX XXXX XXXX, I know that its their obligation to assist me with this matter since they are a nonprofit organization they must help please cease and desist all collections activities and stop reporting this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE XXXX OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2021-03-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A law firm charged my Citi Double Cash card {$1500.00} onXX/XX/2021. This charge was completely unauthorized. I disputed the charge. The law firm submitted 23 pages of documentation to Citi. I had extensive conversations with this attorney but never agreed to hire her or pay them {$1500.00}. Nowhere in those 23 pages could they show that I authorized any type of charge to my card. Above that, they could not even show that I HIRED the attorney. You file out a retainer agreement when you hire attorney. Not only did I not authorize the charge, I never agreed to hire the attorney. Citi Bank then put a negative mark on my credit bureau report and Macy 's closed my Amex card. Citi then closed my 2 credit cards. Over a completely UNAUTHORIZED charge. They gave the merchant the chance to show authorization but the merchant couldn't even come close to showing that. They couldn't even show that I agreed to hire them. Citi Bank 's practices are abusive and predatory.

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 2017-02-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me. 
I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated it.

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