BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have closed referenced loan has been paid in full XX/XX/2021. From XXXX XXXX XXXX XXXX XXXX. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted XXXX to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The XXXXXXXX XXXX XXXXXXXX. I have all paperwork showing proof Discharge of Mortgage and signed Deed.

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 2022-06-27
Company: Merchants and Medical Credit Corporation, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trying to collect a debt because I fired an incompetent Doctor and Hired another to Do my XXXX as a result they have Decided to add two Amounts that total more than XXXX XXXX Dollars so I would not be able to have this fraudulent Amount excused on XX/XX/22 they are in complete control of this and have continued to harass me with unwanted Phone Calls and Threats I previously had several debts removed because of the XX/XX/22 act but this last one the decided to add together making it {$660.00} and above the {$500.00} Amount I have no control over what they decide to type up and send you are my last resort I have talked about this at Church and you are my last Hope I shall appreciate any help that you can give Sincerely!, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: 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. 

-XXXX XXXXXXXX Account # XXXX, has violated my rights. 
-XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am appalled by the ability of the Credit Bureaus to consecutively ignore the letters and complaints I have been sending to them. I was a victim of identity theft and this is my third request to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any information not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some credit Bureua provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. This complaint is to notify the Credit Bureuas that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BV XXXX XXXX, MO 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 2022-06-27
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 fraud alerts or security freezes

Complaint:
Hello Im trying to report my credit card fraud I did try to fix this but what happened is I think someone out there has my information like my name or my date of birth but anyway I have 2 credit card on report but one of them always has the unrecognized charge all the time. I been changing the card 3 time now but that seems like its dont fixed the problem. I have 3 time unrecognized charge when the card are in my position how is that happening? So I guess that my information are out there how can I fixed it? 
Im was so worried that it will keep happening in the future, the identity thief are still can take the money out from my credit card all I can do is just keep the eye on my card and report fraud all the time when I see unrecognized charges that have make. And freeze my card when I didnt use it. I want my name to be clear. Please help

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 2022-06-27
Company: WELLS FARGO & COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2022 Wells Fargo BankXXXX  XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Demand Letter Checking Closure Request Account XXXX To whom it may concern : On XX/XX/2022, I asked Wells Fargo to close the captioned account in writing via CFPB complaint ( docket XXXX ). The account was not closed as requested. 

On XX/XX/2022, I was charged a $ 10 monthly service fee which overdrew my account. 

Now, I respectfully demand that Wells Fargo reverse the fee, issue compensation in the amount of {$50.00}, and close the account. 

Otherwise, this matter will proceed to arbitration with all fees and costs taxed to Wells Fargo. 




Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Please refer to case XXXX XXXX XXXX mentioned in their doc that they confirmed with BOA that the transaction was successful and the receipent was credited on XXXX XXXX. However, that was not true. The receipent is my wife, and she did not get the money in her BOA bank. 

Either XXXX XXXX  provided false information or BOA did.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I require an explanation for this claim, as well as an explanation of how you have ensured adherence to the precise rules you are charged with enforcing. As a result of the bogus accounts that continue to appear on my credit record, I am contacting you in great annoyance and shock. It has come to my knowledge that there hasn't been a suitable resolution despite my multiple attempts to fix this problem. Not only is this circumstance hurting my financial reputation, but it is also causing me a great deal of emotional pain. 
Therefore, it is necessary to look into the following facts. I humbly ask you to see the contract, note, or other document with my signature on it as proof of this purported item. If it doesn't work, the item needs to be removed from the report right away : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is : XXXX XXXX DOB : XX/XX/1970 SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current telephone number is : XXXX After reviewing my credit report and discovered is still reporting accounts that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure the maximum possible accuracy of the information on my credit report. So, I am requesting you verify the items I am disputing to a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute and obtain either verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed an FTC report and a police report.

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Back in XX/XX/2021 I received a letter from XXXX stating my personal information was compromised and they were offering 2 yrs of free identity theft protection. When signing up for the protection I discovered that 2 credit cards had been opened using my personal information. When I reached out to Bank of America to report the card being fraudulently opened using my personal information They asked me what name was on the card and I was told they had no account in that name so I then provided them with the account number and they asked me how I got the account information and I said it was on my credit report and the credit bureau provided my with all the missing information. The bank seemed more bothered that I had the account information than what they needed to do to get a full disclosure as to how the account was opened and by who and what was provided to them by the thieves. Apparently, they used my personal info to open the account and then removed my name off the account and placed it in their name. They actually hung up on me after I insisted on them to investigate this fraudulent credit card 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 non-monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX is reporting an account that I do not recognize. The account is a medical collection - I did not receive these services. I've asked for documentation verifying the accuracy of this debt. I have not received any documentation verifying that this is my debt. 

I AM NOT A CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, XXXX and XXXX and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claim. LVNV FUNDING needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I mailed to the creditor 's lockbox address my check number XXXX in the amount of {$12000.00} to pay off in full my car loan. When two weeks elapsed since my check not being cashed, I telephoned the creditor 's customer service number on XX/XX/XXXX to inquiry why my check had not been cashed. I explained to the person who took care of my telephone call that I was paying off my car loan because it was a condition to the approval of a mortgage credit to buy a new home. 
Since I had a need to show evidence of having paid in full the loan, the person with whom I spoke suggested that I utilized the online payment system to pay off the loan. This person explained to me that I would have to do two payments since the system would accept as the maximum amount {$10000.00}. I mentioned the fact that a check was already on its way to the lockbox address. I was told that I should not worry since in about two weeks time the overpayment would be refunded to me. 
Immediately after I concluded the telephone conversation, I proceeded to effect the online payments. Unlucky for me, that same day my check was processed. 
Given the holidays, I waited until XX/XX/XXXX to see if the refund check would arrive. Since the expected refund did not arrive, on XX/XX/XXXX I made contact again to see what the status of my overpayment refund was. 
The person who took of my telephone call on XX/XX/XXXX was very courteous. She explained to me that only a refund for {$2900.00} had been approved for processing. When I gave her all the information concerning the overpayment, she indicated that she would look into it and would get back to me inform me of the status of my refund. I never got the promised telephone call. 
I again telephoned on XX/XX/XXXX to inquire on my refund. I was told that the refund matter had been referred to accounting and that I would get a telephone call back on XX/XX/XXXX to tell me what the status was of the refund claim. 
On XX/XX/XXXX, I received a check for {$2900.00}. I did not receive the promised telephone call on XX/XX/XXXX. I am still owed {$10000.00} by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX  XXXX XXXX continues to tell XXXX, XXXX and Experian that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.

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 2022-04-24
Company: EQUIFAX, INC.
State: DE
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XX/XX/2023 Comenity Bank/BRYLNHOME Comenity Bank/JCREWINC Comenity Bank Express Comenity Capital Bank Comenity Bank , XXXX XXXX XXXX, XXXX, OH XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently ordered a new credit report and noticed it contains late payments as well as collections reported as late as XX/XX/2023 for my J. Crew, Express, as well as XXXX XXXX XXXX account. I want to also mention that I have since paid off these obligations. 


I want you to know that I understand my financial obligations, and if it werent for certain circumstance such temporary unemployment and having to choose whether to make my card payments or feed my family, in which caused me to miss Id have an excellent repayment record. I made a mistake in falling behind, however, again I have since satisfactorily paid off these accounts and have maintained good money management. So much so that, since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage in the next month or so and its come to my attention that these accounts are currently reporting as derogatory on my credit report in turn affects my ability to qualify. It is my idea that, my failed commitments in the past does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the derogatory status on the above said accounts. 

Thank you for your consideration, and I hope you will approve my request. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: PA
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:
XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX  XXXX XXXX continues to tell XXXX, Equifax and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: UMB FINANCIAL CORPORATION
State: CA
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:
In XXXX of XXXX I was billed {$1700.00} for something I did not purchase. I complained to the merchant and my credit card company and as a result my credit card company gave me a credit on my XX/XX/XXXX bill. The credit card company then put the charge back on my bill in XXXX of XXXX. I sent the credit card company a letter in XXXX asking them to keep the charge off my bill, a letter which they ignored. In XXXX I called them and spoke to a representative who sent me a new set of forms to start the whole complaint procedure over again. In XXXX I sent the same letter I had sent in XXXX by XXXX mail, and approximately XXXX weeks later I received a voice mail from the company 's fraud department claiming that they had " taken care of '' this issue already, even though they added the fraudulent charge back into my XXXX bill and have since kept it on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX XXXX XXXX continues to tell Transunion, XXXX and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.

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