BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Resurgent Capital Services L.P.
State: IL
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Please investigate inquiries on credit 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 2023-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX  XXXX & Account number ( XXXX ) : XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am trying to delete the unauthorized hard inquiries from my credit report. It is affecting me from attaining new forms of credit. I am purchasing a home, and I need the hard inquiries from my credit report to start getting pre-approved for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: SANTANDER HOLDINGS USA, INC.
State: RI
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 am so sick and tired of banks, being able to take their sweet time and reporting when account has been paid in full and closed versus if somebody has a blemish on their credit report If Ive paid my account in good faith, and paid it off completely and close the account. The bank has the luxury of taking 2 to 3 months from what I am told to report this to the credit bureaus However, if I slip up and make one missed payment, they are more than happy to report that in less than 24 hours This is ridiculously unfair! The government needs to take steps to hold these financial institutions accountable for their actions and level the playing field! If they can report negative information and 24 hours, they can report positive information in 24 hours!!! They should not receive any sort of special treatment or accommodation, because of processing time as that doesnt seem to be an issue for them when theyre reporting negative information!

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 2022-12-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have opened a business account with Wells Fargo and by the time I told them I'm going out of country it will be different countries that I will login. But a week later from my traveling they called me about identity theft even though that I said it was me they blocked the account. And they said that I need to come to branch with ID for reopen otherwise they will close the account. I have booked a flight come to the branch provide my ID then they said we decided to close the account but I have come for what they said. I have talked with XXXX customer service to verify that if I come it will be reopen they all said yes. They can find that in their record of the conversation. Right now they are saying we will not give you the money cause it's not yours but it's a business account and I had business with people then they paid me over this account. They do not listen and they have taken my money. I have proof of payments but they do not even ask me to prove them. It is my money and they are stolen from me. Wells Fargo has been stole my XXXX dollars. There is proof of payment from customers that I uploaded

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 2023-07-12
Company: ENCORE CAPITAL GROUP INC.
State: WI
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 XXXX sent Midland Credit Management a 2nd dispute letter stating this account below is not mines, they are mistaking my identity. For one I am XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX, thats a violation it self. I got the reply from you guys recently and I think I need to make myself more clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled my credit report to find that LVNV Funding is listed as a collection with all 3 bureaus and has been reporting this debt since XX/XX/2021. I haven't received any paperwork or phone calls from this company regarding any balance owed or to advise of what this debt is for. This was placed on my credit reports without notification and has been there for over two years ruining my score when I was not made aware of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good afternoon, I am writing this note to dispute the finding of your Bank of America Manager XXXX who advised no refund is due to me. As a result of the trip scheduled for XX/XX/2022, being cancelled, XXXX XXXX advised that I was entitled to a refund for the taxes and gratuities of {$170.00} for which the monies would be credited back to my account and returned to the bank. Several attempts have been made to resolve this issue to no avail. Somehow, the bank is confusing the initial overpayment of {$200.00} returned to me back in XXXX. Due to duplicate billing by the third party vendor ( XXXX XXXX XXXX XXXX XXXX imposed a cancellation fee of {$200.00} for which they credited back to the bank and subsequently returned to me via a check by your bank. Several attempts have been made by me to resolve this issue to no avail. No one has contacted XXXX no one has contacted XXXX, to bring resolution to this matter.Clearly the bank is just reading data and coming to unfound conclusion and not contacting the vendor. Lastly, after contacting the bank three times for the correct email of XXXX XXXX the chief executive, the address was non existent ( XXXX ) Please review. I Thank you for review of this matter. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have reached out to the XXXX different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.

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 2023-07-12
Company: JPMORGAN CHASE & CO.
State: IN
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:
I was on bill pay to schedule a Motgage payment, for some reason it went to my previous mortgage company, that company was closed when the check was cashed. I called Chase to put stop payment on that, they told me they will try to find out whats going on and never received any respond from them since. Is there any way we can trace who and when this check got cashed? I also went to the Bank and they told me there is nothing they can do ; so am I just losing my {$5300.00}? As a XXXX XXXX, is there anything I can do at all?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XXXX, several attempts have been made by me and by different credit repair company 's to dispute inaccurate collection accounts on my credit report by Midland Credit Management. I have disputed and contacted the aforementioned debt collection agency, yet, they continue to provide inaccurate and altered documents to show that a debt is still owed. In XXXXXXXX XXXX XXXXXXXX, upon calling the agency to clear up the inaccurate collection accounts, the agency stated that they no longer show or have any accounts associated with my name or the alleged account numbers, yet the accounts have remained on my credit report causing me to be denied approval for loans or offered extremely high interest rates. After pointing out inconsistency in documents sent to me by the agency, they still refuse to remove the debt and have since ceased to discuss my account with me stating that I have an attorney involved, which I don't, that prevents them from speaking with me. I would like for the collection accounts to be removed from all credit reporting agencies data, as it is inaccurate and causing negative impacts, thus violating my fair credit reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Early Warning Services, LLC
State: CA
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 requested my XXXX report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called Early Warning XXXX and XXXX have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On or about XX/XX/2022, I entered into a payment agreement with Commenity as it pertains to my BJs credit card account. They agreed to suspend late fees, and drop my interest rate to 10 % for a period of 12 months. In exchange, I set up a payment plan of $ XXXX, for which they have been deducting from my checking account since XX/XX/2022. 
I noticed in XX/XX/2022 that Commenity was deducting the $ XXXX AND continuing to charge late fees of $ XXXX, plus the full 28 % + interest each month. 
When I called in XX/XX/2022, they denied that I had been approved for eligibility for their hardship program. They also denied the fact that I was ever in a hardship program, despite the fact that they set up the $ XXXX payment plan and continued to deduct those payments for 6 months based on a hardship program. 
They need to retroactively subtract ALL late fees from XX/XX/2022 AND recalculate the interest charges from XX/XX/2022 to today. 
If the above corrections take place, please let me know the amount I need to pay to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Resurgent Capital Services L.P.
State: OK
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:
The company in reference is reporting different information on all 3 credit accounts. This account is closed and should not be reporting open. They are in violation of my rights per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-11
Company: FORD MOTOR CREDIT CO.
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:
reported late payment are not true and must be removed from my credit report.I have disputed with XXXX and problem was not fixed FMC-OMAHA SERVICE CTR XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX There system is wrong and these dates shoudl not have been posted, it was a mistake and must be fixed. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, my account had a balance of XXXX, on XX/XX/2023, that very account had a balance of XXXX. I contacted Chase bank to figure out where the money went. While speaking to the representative, I explained what happened. I was informed that my account was positive and had a a balance of over XXXX. I said that it is not reflected on my end. The rep then proceeded to tell me about pending transactions. Pending transactions come out from the available balance immediately after a transaction is what I said. She then said thats not what she was going to say. Several transactions kept re-pending on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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:
Experian has not updated my credit report to show this account is removed as stated in the response. XXXX XXXX is the absolute worst, due to this unnecessary false information they've refused to remove from my credit report I've filed a lawsuit against their company. Experian and XXXX XXXX received the required affidavit, Experian DID NOT send any information in the mail regarding this disputed account. XXXX XXXX DID NOT complete and investigations nor send the requested information they claim as verified to my lawyer. No one should have to go through this and we are going to make sure better verification protocols are put in place during this lawsuit. 

Experian REMOVE this 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 2023-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to Experian on multiple occasions because of inaccurate information reporting on my reports. On XX/XX/2021 I sent a certified letter to each bureau asking them to remove the bankruptcy that they are reporting. They are in violation as they are showing different filings dates and incomplete names for the courts that they state the bankruptcy was filed in. My request went ignored and my reports did not have an " in dispute '' comment. I have also notified Experian via a dispute on XXXX XXXX as a last attempt for them to remedy this.

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 2022-12-14
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 want to inform the credit bureaus AGAIN that I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I know that I have dividends coming from my cryptocurrency that keep sending me something from XXXX  phone is giving me an international transfer BIC number and when I typed them in I'm not receiving my funds

Company response to consumer: Closed with explanation