BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 writing to you regarding the situation that happened with me recently. I just checked my credit report I found there inquiries and accounts that are not mine, I guess someone just simply used my personal information so could you please let me know what shall I do with it is, as its destroying my financial situation and I can not move on absolutely .... I hope that this misunderstanding and misleading information will be destroyed.

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 2022-03-10
Company: Credit Corp Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company continues to call me after several statements telling them to stop calling me from a local number when they are not a local company. I previously explained that I would not talk to them because I could not verify they were with the company because the number did not search as belonging to them nor did they have an office in my area. They continued to call from the same number. They also continue to call my office after being told not to because I can not accept personal calls at my place of employment. 

Last call answered was XX/XX/2022 Calls to my employer have been daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: SC
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:
I reported to Experian that XXXX XXXX XXXX reported on my credit report that I was in the hospital or had services by XXXX XXXX   on XX/XX/19 so this year and I have not been in the hospital at all this year nor last. Last time I attended a hospital I had XXXX and all medical bills have been paid. I reported this inaccuracy by XXXX   XXXX last year and this was removed from my credit report so I dont know why its on here again.

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 2022-03-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo keeps wrongly applying nsf fees to my acct. A problem for which they have been sued for before. Prior to their lawsuit, I never had a problem but since their lawsuit I always do. My balance on my end reports that I have funds available. So I make my purchases accordingly. If something comes thru and my acct is negative, the allow us time and send texts to correct the problem before applying nsf. That happened recently and it only happens when my acct is low. If I have money in my acct they let items pend for at least XXXX  days like they are waiting for an oppty. But on my side I get the alert, it corrects and NEVER shows my acct as negative bit always having money and positive. But the next day the give me nsfs on fees paid when my balance is positive. I never see the negative balance and if they alert me I rectify it immediately. But then they apply nsfs. I always have to call in and argue for them to reverse it, and they do but they say it's night time processing. How the XXXX do I know what is going on at night and if you tell me my balance is positive how do I know to fix it. Additionally, why when I have money do you let a list of XXXX transactions pend for almost a week! This is very shady because they are not providing me the appropriate information nor honoring me transferring money in my acct. It just seems like they picked new victims. I'm sick of this. They never honor the rewind policy they have.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a SBA loan due to the crisis of covid. You have hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Mortgage paid in full on XX/XX/XXXX. 
May mortgage payment was 30-day late. 

XXXX XXXX / XXXX reported XX/XX/XXXX and XX/XX/XXXX payments as 30-days late to the credit bureaus. 

In XXXX of XXXX, started dispute process for the XX/XX/XXXX ( inaccurate ) 30-day late payment on credit report. 

During new mortgage / home buying process, 2 additional 30-day late payments showed up on this CLOSED account. XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has not made attempts to quickly resolve this inaccuracies- the new ones or the XX/XX/XXXX. A bad situation suddenly was way worse. Now, closing has been pushed back and we are at risk to lose this house we contracted to buy because XXXX XXXX has made it impossible to get these items fixed. We tried to get them to write a letter stating all of the inaccuracies, but they have struggled to craft something straight forward and effective for the new mortgage people.

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 2018-06-29
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a voicemail on XX/XX/XXXX in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from XXXX  XXXX XXXX. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. XXXX XXXX XXXX  is supposedly located in XXXX, XXXX, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX XXXX XXXX   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/XXXX I received a voicemail from XXXX in XXXX, XXXX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.

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 2019-12-02
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2017-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hav e a Kohls account that I always paid on time when it was due but one month t hey never sent me a bill and so i did n't know that anything was due that month. When they called to inquire about the payment I paid them right when I found out anything was due. The next month I noticed that they had put a late payment of 30 days on my report. This was not 30 days late and nor was it my any doing of my own. They erroneously put me on a paperless billing and my bill they sent me went to my spam folder so I had no way of knowing that they were billing me. This is why I always get the bill through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I submitted a notarized request to close my Kabbage business account. Asking the bank to either transfer the funds to my American Express savings account ( Kabbage belongs to American Express ) or to send a check to the address on file. 

Instead of receiving a response in writing, I received a phone call from a lady with the name " XXXX '' on XX/XX/XXXX confirming that Kabbage received my notarized request. XXXX stated that Kabbage still would not close my account or provide access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: JPMORGAN CHASE & CO.
State: NJ
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, 2017 I was charged {$2600.00} from XXXX XXXX XXXX.
<P/>
This purchase was made by my business partner. I did not authorize this transaction.
<P/>
I contacted the company to explain them that this order needed to be canceled. They refused to cancel the order Because they said it had already shipped. I then contacted my bank Chase and disputed the charge with them.
<P/>
Just to note, no item was ever shipped.
<P/>
Chase provided my account with a temporary credit immediately upon issuance of the dispute.
<P/>
A couple months later I noticed there was a claims reversal. After noticing that I contacted Chase claims department and inquired about why my claim was reversed. They explained to me that my dispute was entered as a fraud claim stating that I Did not authorize, nor was I aware of the charge.
<P/>
Which is incorrect because I was aware of the charge but I just did not authorize it as I stated my business partner used my card without my authorization.
<P/>
Now being about two days what months after the original charge. I now asked the Chase dispute representative how could I possibly be charged if they never even sent me the item.
<P/>
The representative told me he would re-issue the claim as items never received or shipped. Just today I noticed a claims reversal again of the {$2600.00}. So I contacted chase claims department and was told my claim was denied because the original claim was put in wrong. And that the second claim never held any substance being they went off of the documentation of the first claim. I asked if the merchant was required to prove that they sent it to me knowing nothing was ever sent. The representative respond that they did not have to provide that documentation.
<P/>
I am extremely disappointed with this process and left wondering how could I possibly have been charged over {$2000.00} for item I never received it was never shipped. I asked Chase to put in a dispute again and they told me it was past the deadline to issue another dispute. I told the representative all they had to do was request the merchant or company to prove it was sent via tracking for signature of receiving the item.
<P/>
I hope there is a way to dispute this moving forward. If there is any advice or help you can offer To resolve this matter. I would greatly appreciate it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a CitiCard with Costco, and whenever I try to pay my balance in full, CitiBank puts a hold on my payment. For example, today ( XXXX/XXXX/2017 ), they ( CitiBank ) claimed that my payment for {$1900.00}, posted on XXXX/XXXX/2017, is " out of character '' and late. They claim that they are not using the money for any other purpose, no bank is going to let money just " sit there ''. I suspect that they are fraudulently investing the money for their own gain instead of crediting it to 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 2022-09-07
Company: Affirm Holdings, Inc
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I, consumer, natural person, and living woman was discriminated against by XXXX XXXX ( Affirm ) when I applied to make a purchase on several occasions, I will attach the dates in the attachment section. 
A consumer credit transaction occurred the moment I applied for credit by filling out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, XXXX XXXX ( Affirm ), accepted my application you also accepted fiduciary responsibility. 
Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from XXXX XXXX ( Affirm ) and the unauthorized use of my credit card. I did not receive ANY BENEFIT from this transaction 15 USC 1603 ( p ). My consumer report was negatively impaired proving the transaction did in fact go through. It is my right to be granted substantial amount of credit 15 usc 1691 ( d ) ( XXXX ). 

XXXX XXXX ( Affirm ) claims to not be able to confirm my information ; however XXXX XXXX ( Affirm ) sends me a code when I purchase from a company that utilizes them without me requesting to pay in installments or notice the company utilize XXXX XXXX ( Affirm ). A box populates with my information to enter the code. I have had installments with XXXX XXXX ( Affirm ) before so that message is surprising to me. 


Best Regards, XXXX : XXXX XXXX XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A pay day loan listed as XXXX,XXXX is listed at Check into Cash on my credit report.I never took out that loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Credit Karma told me I qualified for several loans. I then applied, ALL of those loans were denied, resulting in several inquiries on my credit report and hard hits. My score is now trash. When I contacted them, they pretended not to have any account with me even though I have a checking and savings with them. It was only after I threatened to report them that they asked for more information to find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NC
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 have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An employee worked for me for about 5 years. He was taking customer checks made out to my business and mobile depositing them into his personal Wells Fargo account. This was over the course of XXXX. In XXXX of XXXX, Wells Fargo called me and asked if I authorized an employee to deposit a check into his personal account to which I of course said no. They told me " over the last 3 months, we see he has done this with several checks totaling approximately {$30000.00}. '' They told me they were not allowed to tell me any further than 3 months even though it was my money. I confronted the employee over the phone and he stopped contact with me. After filing charges and subpoenaing records from the bank, the total amount stolen was {$130000.00}. Criminal charges were filed but the bank 's fraud department refuses to work with us and will not give any of the money back. The employee has since overdosed and died. This is negligence on Wells Fargo 's part for continuing to allow business checks specifically made out to my business to be deposited into a completely separate personal account. How this was not caught sooner, I will never understand. I am willing to work with the bank and settle this any way possible.

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