BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: AFNI INC.
State: UT
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:
AFNI-XXXX is currently reporting a balance and these have been paid. I no longer owe this debt and it should not be reporting a balance. It is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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: Can't close your account

Complaint:
In XX/XX/ 2019 I attempted to close all of my accounts with Wells Fargo which included a credit card with an ending balance of {$2000.00}. I was closing these due to the horrible customer service and lack of customer care. Having moved all my accounts, I was getting contacted by WF and I assumed that it was in efforts to win back my business. Instead, I find out in the process of buying a house that WF accepted two more months of ACH revolving charges and was charging me late fees and interest which they reported to the credit bureaus. This brought my middle score from XXXX to XXXX. The total amount for actual charges was approximately {$120.00}. In XXXX  I called the branch multiple times to inform them of their mistake of taking ACH payments on a closed card. The branch tried to reduce the 'fees ' but said they could not do anything about the interest. I said that I should not have any fees on a closed account. At this point, nothing was said to me by the branch about my credit card status. After many hours on the phone, I finally was offered to call the 'executive ' branch of Wells Fargo to file a complaint. This process takes 10 days they say. A girl named XXXX at ext XXXX managed the case # XXXX. After many days, XXXX said that I never close my credit card account! She also said that was why thay took the extra payments. I told her that was not the case and that I close all accounts on the same day. She said that was not what their records indicated. Wells Fargo offered to reduce the late fees but not the interest and thats where we stand as of today. M|With all the negative press that WF has had recently, I wondered how many other people this was being done to. If you go into a branch to close an account and they do not really close it, that's a new source of revenue in late fees and interest.???

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 monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX  2016 which is NOT accurate never had an account with this company and why this collection account states  I was 30/60/90 days  late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have sent multiple letters to this company regarding my credit. I need the following removed from my credit report : XXXX XXXX XXXX, and US DEPT OF EDXXXX XXXX XXXX I did not take out student loans while I was in college. This has been on my credit report for over 8 years. This is affecting my life and needs to be removed ASAP. This is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2017-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on in   XXXX  . This debt is past the statue of limitations and o ver 7 years old. Equifax  did an investigation last year and did nothing. The original default date is incorrect, but it shows   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Automotive Management Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call on XX/XX/XXXX and my account representative with the company was like I owed {$810.00} for car insurance but back in XXXX  I had made a big payment and she said all that would be included in the payment and that my next payment would be due in XXXX. So when she reached out and said I owe the {$810.00} I was confused and was like you said it was paid back in XXXX  and that my next payment wasnt till XXXX  and she was like thats what she thought and continued to say that my car would be cut off if I didnt make the payment so I told her I didnt have it to pay right then and there and so she asked when Ill be able to pay it I let her know I wasnt sure because I wasnt expecting to pay that kind of money and I told her I may be able to pay the following week and before we ended the call I asked her can she put what she said over the phone into an email and she said yes and we ended the call. When I didnt receive an email I reached out through email and asked again and never got a response I have continued to call leave voicemails and email them and have to yet receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: GA
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:
On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the equifax data breach and may have possibly been interfered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the XXXX data breach and may have possibly been interfered with.

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 2019-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/13 advised them of my identity thief yet the account remains the same after many attempts to contacts and inform them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
What Happened? 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

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 2017-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have currently applied for a loan modification  with SPS,  on  XXXX / XXXX /   2017  at  XXXX  is when our problem had first occured when the lender had asked for the home owners proof of occupancy as in a utility bill. ON  XXXX / XXXX / 2017  at  XXXX  we  sent over the document that was requested and also spoke to someone at SPS that advised us they have received our document and our account was now with the underwriting team pending further decision. Now on the same day eight minutes latter SPS call s our phone and ask for the same document they just told me they received and is being review? So we had sent it again with no complaint on the same day  XXXX / XXXX /   2017  at  XXXX . Now we let a couple days go by and we receive another call on  XXXX / XXXX / 2017  at  XXXX  requesting the same utility bill arguing we had never sent ir before so of course again it was sent into their office via fax. This same issue continued with them asking for this document and then saying it was not received on each and every single one of these dates  XXXX / XXXX / 2017   XXXX ,  XXXX / XXXX / 2017   XXXX /2017  XXXX ,  XXXX / XXXX / 2017   XXXX  until finally on  XXXX / XXXX / 2017   XXXX  SPS called in with a denial for the modification stating we failed to send in the required documentation needed and also stating they had no records of communicating with us or receiving anything that was needed to push this to the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX assisting a homeowner who is receiving bills for a loan that they did not authorize. In XXXX XXXX, 2015, XXXX XXXX entered into a contract with XXXX to install a solar panel system. XXXX completed finance documents on behalf of XXXX XXXX through Greensky. Greensky issued a payment to XXXX for {$7300.00}. XXXX never installed the solar panel system. XXXX XXXX has been receiving bills from Greensky. XXXX XXXX never signed anything for Greensky. XXXX XXXX does not speak English so if you can have a XXXX speaking Representative contact him it would be greatly appreciated. XXXX XXXX, XXXX Representative explained things in XXXX to XXXX XXXX, but gave him English documents that he knew XXXX XXXX could not read. Thank XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my 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 explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Report Act 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 cannont 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 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 2022-09-12
Company: FISERV INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22, I paid a XXXX XXXX XXXX credit card bill at a checkfreepay agent, XXXX. I gave the wrong account number by accident, XXXX. The correct account number is XXXX. 

Upon calling checkfreepay on XX/XX/22, I was told that as the payment has been delivered to bank XXXX XXXX, the only option is to visit an agent location where they will proceed to call checkfreepay, and work to apply the payment to the correct account. This should then show up correctly within 10-15 days. I called again on XX/XX/22 and I was told the exact same guidelines on how to proceed. 

Instead, when I reached the checkfreepay agent, XXXX, the checkfreepay representative told XXXX that I needed to dispute the payment with my bank. This goes counter to any research I've done on the matter online, and counter to the XXXX calls I made to checkfreepay personally, where they each stated that the payment should simply be corrected. Attached is my statement showing the correct account number, along with the payment receipt from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: TN
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:
This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my Equifax, XXXX and XXXX reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Upon returning from a work trip to Florida, I noticed my card balance was much higher than anticipated. I immediately contacted capital one to notify them of the unauthorized charges and I was told they would submit the claim. In a matter of days I received a letter in the mail stating nothing more than we've determined you or someone you know benefited from the card. I contacted the company again when I was getting ready to make my payment since I would be making a payment for the balance less the unauthorized charges. I spoke to a Fraud dispute manager by the name of XXXX ( XXXX ). While speaking with XXXX I was placed on hold for roughly 45 minutes while she attempted to contact the adjuster who handled my issue. She was unsuccessful in getting in touch with them so I asked how the determination was made to confirm the charges were authorized. She explained that they confirmed the card was present on all but 1 of the 7 charges. I asked how they could possibly confirm that my card was present at the time of the purchase to which she stated our system just knows. I asked if there was any other proof confirming that without a doubt the card utilized was in fact the card I had in my possession. She stated there was nothing further she could provide but would have someone contact me back within 24-48 hours. I requested she place the charges into a dispute status as the charges are still being disputed by me to which she stated she could not do that. 

I am able to confirm my whereabouts during the times these transactions were completed which I explained to her but she did not acknowledge that statement. 

These charges are unauthorized and I do not believe a reasonable investigation was completed on my dispute as I am 100 % sure I did not complete these transactions and I do not believe capital one has proven otherwise. I requested any details surrounding their decision but was told I would be receiving nothing further than the letter stating I was responsible for the charges. 

I would appreciate some assistance with gaining access to the details of their investigation so that I may determine my next steps. 

I have no issues paying for the transactions I completed but I do have an issue with this company attempting to take advantage of the working class to continue lining their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Kohl 's keeps sending me emails requesting payment of {$290.00} for a Kohls credit card. 
I have called Kohls 3 times and told them I dont have a Kohls credit card. This could be a case of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have sent multiple letters to this company regarding my credit. I need the following removed from my credit report : XXXX XXXX XXXX, and US DEPT OF EDXXXX XXXX XXXX I did not take out student loans while I was in college. This has been on my credit report for over 8 years. This is affecting my life and needs to be removed ASAP. This is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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