BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 requeseting to update and correction of these suspicious accounts I found on my Credit Report. Upon reviewing a copy of my updated credit Report, the previously disputed accounts are still reporting erroneous information on my Credit File. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including them again. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$400.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX XXXX Balance {$6400.00} ; XXXX XXXX XXXX XXXX Balance {$4600.00} ; XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} ; XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX  XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$4200.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX Balance {$250.00} ; XXXX  XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$4100.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 requeseting to update and correction of these suspicious accounts I found on my Credit Report. Upon reviewing a copy of my updated credit Report, the previously disputed accounts are still reporting erroneous information on my Credit File. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including them again. XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance {$600.00} ; XXXX  XXXX XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX XXXX Balance {$6400.00} ; XXXX XXXX XXXX XXXX Balance {$4600.00} ; XXXX  XXXX XXXX XXXX Balance {$3000.00} ; XXXX  XXXX XXXX XXXX Balance {$6100.00} ; XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX XXXX Balance {$2900.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$4200.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX Balance {$250.00} ; XXXX  XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX Balance {$4100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2016-09-13
Company: SYNCHRONY FINANCIAL
State: IA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My payment was duplicated via ACH by Sychrony Bank. They will not return funds via ACH. I was told, " We have no process for that. '' ) I was told that they will issue refund check in around 14 days. I asked for it to be overnighted as it was a considerable sum of money ( {$2.00}, XXXX ). I was told there is no process for that either. Really? I find that hard to believe. How is it possible that a bank can not ACH back funds received in error or overnight a check? As far as I am concerned, they are sitting on everyone 's money and holding it hostage. I escalated my request all the way to manager level to no satisfaction. I am a customer in good standing. I pay off my balance every month and this is the best they can do?

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 2022-05-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my business account without notice and sent my funds with over {$3500.00} to the wrong address. All of my paperwork and forms have the correct address so an employee inputed the wrong address on my account causing domino effect of issues. 

I attempted to get Wells Fargo to correct the mistake by updating the address and resending my check. However, no person that Ive spoken to can seem to help me. They set me up with two different bankers at two different banks and neither of them could help me retrieve my missing money. They both suggested the best option was to call Customer Service. Ive spoken to over a dozen customer service representatives and I keep getting different information but no resolutions to obtaining my money. There is no set protocol because ever is giving me different answers. Now because my money is somewhere missing I have been unable to make money for my business because I am unable to buy the products and pay for the services I need to run my business weekly. I have therefore not made any money because of this in almost two weeks. I just want my money. Im nearly running out of food and options. I need my 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 non-monetary relief
Consumer complaint received 2017-02-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Unfair business from creditor. 
I had an Old Navy Credit Card since XXXX. I have never looked at my balance. I just paid online every month. In XXXX, I reviewed the statement on line and there was an item of {$19.00} and {$8.00} which I am sure this item was not mine. I went back to all the statements in XXXX and XXXX, Old Navy has been billed me the same amount every month. I have contacted Old Navy in XXXX XXXX but I got direct to the machine system. Then I sent a letter in XXXX. Old Navy promised to refund me the money that they have mistaken billed me since XXXX. Again, same item shows on my XXXX statement but under different name. The statements of XXXX and XXXX showed the transaction under XXXX but the statement of XXXX XXXX shows Miscellaneous Adjustment three time with the amount {$19.00} and {$8.00}. 
I am seeking your help to solve this problem. I have been contacted Old Navy Creditor many times since XXXX and seems like they did not want to solve this problem. 
Old Navy have treated me unfairly. 
I appreciated your attention with my matter. 
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 monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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:
I sent a letter on XX/XX/2022, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint XXXX, XXXX, XXXX and I am including these again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/2022, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint XXXX, XXXX, XXXX and I am including these again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-05-31
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 XXXX 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 XXXX Balance : {$290.00} Chapter XXXX Bankruptcy XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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 XXXXXXXX XXXX Balance : {$290.00} Chapter XXXX Bankruptcy XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-05-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Bread Financial Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 XXXX : ComenityXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Comenity & XXXX must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX XXXX council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been speaking with representatives over a course of a couple of years. Most recently, I decided to call and speak with someone about getting these accounts taken care of. There was a delay because there was some accounts that they had that needed to be retracted/deleted by the original creditor. I ended up speaking with someone that gave me a total of a certain dollar amount over {$700.00} to pay in order to settle the account for deletion. She gave me this option with either removing all interest or giving me a 25 % discount, which equated to almost the same total. She said this would both resolve the account and result in deletion from my credit report. Between that conversation and the one that I had today, I called and attempted to settle for less ( understanding there might not be a deletion ) and was told they could n't accept only that. So I told them I would continue to get the rest of the total that was originally requested from me because I wanted the deletion. I finally got all of the money together and called back only to be told by someone else that paying this amount would not result in deletion, only showing account as paid. This does not make sense to me that a company is able to be so disorganized, that different reps are able to give different rules. Now I am being told that there 's no way to get rid of all interest or there can be no deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Commonwealth Financial Systems ; Collection Reported XXXX ; Assigned XXXX ; was disputed with another collection company by the name XXXX XXXX for {$360.00} ) XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the XXXX that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Pinnacle Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a debt for {$100.00} on my credit files. I disputed through the credit bureaus. However, I am not getting anywhere because they wo n't removed. When I requested debt validation from this company over 6 months ago, I have not gotten anywhere. I pray this time you will help me to get this debt validated or removed from my credit files. 

PLEASE REVIEW PAGES XXXX & XXXX ON THE XXXX 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 2022-05-31
Company: EQUIFAX, INC.
State: NC
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 value your help to DELETE a portion of the data in my credit file that came about because of a FRAUD yet I have certain Accounts passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$66.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$90.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX word generated letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under XXXX but the companies refused to resubmit it and XXXX has no record of it being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company never validated the debt and this needs to be removed from my credit report. I am now being harassed by another company XXXX XXXX XXXX. You can not owe the same alleged debt to XXXX different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Transunion began inaccuracy investigations on   XXXX   XXXX  ,   XXXX   XXXX  , AND  XXXX   XXXX   XXXX  ON   XXXX   AND COMPLETED ON  XX/XX/2017 .ON   XXXX     an inaccuracy investigation was done on US Education which also completed on   XXXX  .I have complete records and proof.The investigations were begun on Transunion on-line investigations separately and completed together on-line which is of no legal significance .All of the paperwork is dated which I previously provided TU AND CFPB.TU says they have done nothing wrong or illegal yet they have and lied to CFPB as well about the  initiation d ate, which I later attached to another CFPB case regarding this.It is of no consequence, according to law, when the furnishers received due to  TU ' s incompetence or lack of adequate computers/ employees.TRANSUNION BREAKS THE LAWS HERE- ATTACHED FROM THE FCRA and lies to CFPB with impunity. ( THEY SAID SORRY FOR THE LIE ) TU should fire the  TU  employee who is answering the CFPB ... they are scofflaws, incompetent and maybe drunk but they put TU in position for heavy liability in court to me and fines by the CFPB.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: MD
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/2020

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 2022-05-31
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was opened on XX/XX/2022 I deposited XXXX dollars within 30 days on XX/XX/2022. 

There is currently a balance of over XXXX dollars as of today XX/XX/2022 which is 54 days after the initial deposit. The bonus said it would post within 45 days if the account has been open for more than 60 days. Which it has.

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