BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2015 I purchased a bed from XXXX 's XXXX. They got me their credit card from Wells Fargo bank and applied a {$450.00} charge to the card. 

On XX/XX/2015 they charged me another {$3800.00} This is a legitimate charge for the purchase of the bed on XX/XX/2015. 

On XXXX Wells Fargo charged me a late fee of {$26.00}. It had been less than a month since the purchase - and I had not received a statement. 

On XX/XX/2015 ( when reviewing my bills ) I found that I had been charged a late fee. I called Wells Fargo and was told that the late fee would be reversed. I also paid {$500.00} on the card balance and setup automatic payments so this would n't happen again. 

On XX/XX/2015, while checking my account, I found that the {$26.00} service fee was not reversed. I called Wells Fargo and was told that the service fee could not be waived and that the account was in collections! At that point I requested that the account be closed - which I was told was done. 

I then wrote to XXXX 's XXXX to complain about this, and the wrote to you. 

After sending this letter to you, I will pay off the full amount due to Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: Brelvis Consulting, LLC
State: VA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
my fiance enrolled in this program being told that it would help him, all that. we attempted to cancel the service before the service they " offer '' was ever even rendered. we were told twice that his " contract '' does not allow him to cancel the service. i called one of the offices and they said it would be fine just call the other office, the woman i got was not helpful at all. without actually having the proper paperwork completed, they proceeded to work on my fiance 's behalf. we asked for a manager more than ten times all the while being told that we can not in fact speak to one and that she would be the one who would answer my questions. she then proceeded to explain to me that cancelling was not in their policy and that they could not because it was in the " contract ''. when i asked her to read to me where it said i could not cancel, she stated the refund policy. we do not want to be refunded, we just want the cancel from there forward. the contract states multiple times that this would be in effect until cancelled by me or the servicer. but she kept telling us that we could not cancel the service because it was being rendered anyways, even with us trying to cancel two times before hand. she even proceeded to mock me while on the phone with the tone of her voice and told me at one point when i asked another question, she said, " no, i asked you first '' like a child. this is the most unprofessional group and the biggest scam i have ever dealt with in my life. when i told her i would contact the bbb she hung up on me and told me not to call back. i have the entire thing on recording. she fought with us and told us that we were obligated until XXXX. DO NOT USE THIS COMPANY IT IS A SCAM. also, around page four of the " contract '' it is stated that the term of this agreement was in effect until four different outcomes have happened. one of the outcomes was that the client did not give all of the proper paperwork, which we did not submit due to the fact that we tried to cancel twice before, therefore, because of the contract, and us not " properly completing '' the paperwork, this service should be cancelled anyway. they have also stated that they have no record of us calling before to have the service cancelled, which is convenient. this service is something that our servicer for our loans has explained is a service that is free that we can do our selves and to charge {$990.00} to do something we tried to cancel before hand, is outrageous. and the way that woman spoke to us and then hung up. i am a little more than really outraged.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$920.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: First Data Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TRS Recover ( Telecheck ) will not allow me to write checks. Telecheck confirms that I DO NOT owe any money, however, after repeated calls for 2 months, they say I " have to rebuild my credit before they will approve new checks ''. 
Telecheck is going way out of bounds in how they are operating as a business. I do n't owe ANY money to Telecheck or any merchant that uses Telecheck, YET, they can deny my checks based on their own credit reporting data? Telecheck is NOT a credit agency. Telecheck can not make me fix my credit. I demand the CFPB investigate Telecheck and regulate how they are doing business OUTSIDE of their actual legal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off a loan to Greentree and they said they sent a refund check. We never received it or it was never cashed. I wrote 3 times to request information and they never reacted except to say it was sent. Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving upwards of 3 calls per week from an unnamed Portfolio Recovery caller ID. The numbers are probably spoofed as it comes from a different number and location every time. There is silence upon answering the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: KY
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 am very distressed. I have sent this company a 609 letter back in XX/XX/XXXX and it has been well over 45 days. if this company can not validate these debt within 30 days then these accounts must be removed. there has been misleading information published on my credit report that I never gave Equifax written consent or authorization to procure or produce with my information. To my knowledge, according to 15 USC 1681a ( 2 ) due to the nature of this consumer report, it has defamed my character to lenders and held me back from getting my home and other things. There have been accounts disputed many times because of this violation and equifax sends me results stating the derogatory alleged debts are validated. To my knowledge according to 15 USC 1692G debt collectors are required by law to meet the 5 requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts. Remove these alleged debts in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX  OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

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 2020-04-19
Company: R & B Corporation of Virginia
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They need to get in contact with XXXX care. Cause I'm on it. So I don't understand why they have this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated my account was properly investigated and meets FCRA requirements but how is that possible : 1.The open date is inaccurate across all three bureaus.

2.The date of last activity is inaccurate across all three bureaus.

3.Account status is inaccurate ( XXXX and XXXX is reporting closed and Transunion is reporting open.

4.Last payment dates are all different.

5.Closed dates is not being reported This is ground for removal.

They also violated my rights under 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 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 2021-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional br

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: National Collection Systems, Inc.
State: CA
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:
On XX/XX/2022, XXXX did knowingly and unlawfully permit a negative item resulting from civil-rights violations to remain on my creditreport. Although my XX/XX/2022 complaint two-day investigation into and the process to disclose a complete factual background into the illegitimacy of the debt were too short to fully account for the creditor 's offenses, XXXX rejected the notion that crime does not pay. Having previously seen XXXX validate similar misconduct -- keeping fraudulent items on my creditreport, as if accuracy could ever legalize a debt generated by a creditor 's wrongdoings -- XXXX mistakes accuracy for legality, making the creditreporting agency complicit in the financial terrorism arising from violation of XXXX XXXX  and federal law. That the debt could have been generated, in the firstplace, places XXXXXXXX XXXX XXXX XXXX at-fault for the debt. XXXX XXXX is negligent in the performance of its duties to its masters, the People of the State XXXX 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 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card
Issue: Advertising and marketing

Complaint:
Bank of America has a section on its website where you can " check for customized offers. '' I did and based on the wording, the website made it seem as though the bank was pre-qualifying me for a credit card, and with this confidence I applied and was denied adding a hard inquiry into my credit report. The wording for the " check customized offers '' section makes it seem as if consumers searching for credit are pre-qualified for the credit cards listed because one is not able to see the credit cards until entering information such as name, social security number, date of birth etc. This is very misleading for consumers and costing them a hard inquiry which then affects their credit score! Bank of America must stop this misleading practice, essentially billing a " customized offer '' as a pre-qualification offer of sorts.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-06-15
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: Account information incorrect

Complaint:
i have sent several letters over several months that all 3 credit bureaus have been reporting incorrect information. in addition, i have asked them all for supporting documentation that asks how these accounts were verified and whom they spoke with. i also have asked them to show supporting documentation that proves that i have a binding agreement with these account holders and they have failed to do so. i believe that they do not want to delete these accounts because they will lose money.

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 2023-02-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
have unauthorised inquiries on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: TN
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:
The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ). 

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( 3 ) ( i ) of this section.

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened in XXXX paid in full in XXXX its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain a car loan recently and was denied due to this old car debt being reported on my credit file. Its not being reported to any other bureau but experian

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 2021-12-13
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: Information belongs to someone else

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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