BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my {$120.00} balance with Nemo 's Investigations & Collections on XX/XX/2023, I requested a deletion letter to provide to my lender on a mortgage application. I was told this would be emailed to me. When I received the email it was only a automatic payment receipt. I gave them 24 hours to send me the requested letter and never received. I called back on XX/XX/2023 and the man I spoke to was very rude. He notified me that they do no provide any deletion letters, and that the agent I made my payment with should have told me this and was not helpful. I still have the balance shown on my credit report and this is hurting my chance to purchase a house. I was never notified of my balance as well. I never received any phone calls or letters I had a balance. This company has no website and only a phone number that is hard to get through. You either have to select an extension or you are disconnected. I am afraid I made a big mistake paying this balance off to a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2022 affidavit of truth was sent to Transunion for inquires. Invoice and exhibits were sent for violations and damages. According to 15 US Code 1681N I have been XXXX and XXXX under this notion. Per FCRA all UNVERIFIED and UNAUTHORIZED accounts after XXXX days must be removed from consumer report! Transunion has failed to send substantial proof of these inquires being authorized. Also failed to fix errors on consumer 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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX 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 A Section 2 : it also states a consumer reporting agency can not 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 fo any reason.

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 2023-03-08
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo ATM entered an incorrect amount on a check I gave to my son. After countless hours on the phone and visits to the bank in person, ( we were given different information each time ) Wells Fargo failed to honor the check. They are telling him to just get another check!! This is Wells Fargos fault and they will not resolve it satisfactorily. Its caused a lot of wasted time on my sons part, and anguish on mine! 

Wells Fargo also will not return the original check to us. According to them The Case is CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Saturday XX/XX/18 I sent a XXXX payment through my chase app of XXXX at XXXX to an individual Who I thought was a vetted individual ( friend if a friend, former student of a friend ) for concert tickets. This person was real but his account had been hacked and therefore was sent to an unknown individual. XXXX and chase are refusing to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Old information reappears or never goes away

Complaint:
Late payments for loans over 10 years old from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.

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 2023-03-16
Company: BANK OF THE WEST
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX, Bank of The West, XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. Bank of West and XXXX XXXXXXXX XXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXX XXXX  or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. XXXX XXXX XXXX XXXX, Bank of The West, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
BoA notified me of a new device logging in to my accounts, I called within minutes and spent 358 minutes on the phone with them immediately. My accounts were taken over/ hacked & drained by someone I had never heard of. This person also took a cash advance on my credit card then used XXXX to transfer the funds to himself. 
This all started on XXXX. 
In XXXX, BoA FINALLY returned the money that was stolen from my checking & savings accounts, but continue to deny my claim of fraud on the credit card! 
I dont understand how the cc fraud department & the wire transfer dept can not connect the dots! On my bank statement the 2 actions are right together!! Anyway, again claim has been denied. Calls not returned, cant seem to get a supervisor name or number from ANYONE. 
3 times Ive asked them to close my savings account & they tell me that I dont want to do that, now Im being charged for maintenance fees on a XXXX balance account! Please help me!

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 2023-04-24
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine & Weiner, a collection agency, contacted me originally via email on XX/XX/XXXX. They claimed I owed {$390.00} for a Registered Agent ( RA ) fee that was accrued through a business transaction with XXXX in XXXX. I asked for a bill, statement, invoice, or any description revolving around the accused transaction, and they failed to provide the requested information. They stated that providing such information was not their duty and that any information regarding specifics would be provided through XXXX. It took some time, but I was finally able to get in touch with a XXXX official. I have transcripts from an online chat with their official that was obtained through their website that clarify no money is due, no charge was ever submitted for an RA fee in XXXX, and warning that this interaction with Caine & Weiner may be a scam. I spoke with a representative of the collection agency letting them know that further interactions will be handled by my legal team, and offered to give them the contact information. They denied, stated they would annotate that I have a lawyer in my account, and the representative quickly hung up the phone. I have also explained to Caine & Weiner that I have no issue paying for services rendered, but it feels like fraud to be told I owe money in regards to a business transaction with a company that is actively disagreeing. All the while, the complainant, Caine & Weiner, will not provide any official documentation and utilizes bullying techniques that feed off of an individuals fear of reprisals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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:
My social security number, my date of birth and personal information was compromised during an equifax security breach, as a result Ive had several things that do not belong to me on my credit report that Ive disputed with all three bureaus and its come back on my credit file. My entire identity has been used by a scammer, and Im very upset about this, this has been XXXX to try and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: ME
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention some concerning issues with XXXX XXXX XXXX. Not only did they fail to provide accurate mechanical records, which could have provided proof of a lemon law violation, but they also failed to address stickable items as per Maine state law. 
In addition to these issues, I discovered that XXXX XXXX XXXX did not report accurate information on my credit report. They failed to update my report within 30 days and did not report to Experian at all. This has caused significant harm to my credit score and financial stability. 
I urge you to investigate these issues thoroughly and hold XXXX XXXX XXXX accountable for their actions. Consumers deserve accurate information when purchasing a vehicle and when it comes to their credit report. Thank you for your attention to this matter.

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 2023-02-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked Wells Fargo to stop calling and they have called every day for weeks straight. I have screenshoots of my phone log with evidence

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 2023-02-20
Company: GOLDMAN SACHS BANK USA
State: NM
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:
My card was at a XXXX balance with the exception of an installment plan of XXXX XXXX/month for an apple watch. I made a purchase of {$40.00} ( XX/XX/23 ) and payed {$40.00} to the balance two days later ( XX/XX/23 ). When the installment was added of {$11.00} my balance was {$50.00}. It seems as though my payment was not credited and Goldman & Sachs ( Apple Card ) has determined that all is correct and I have to make another payment of {$40.00}. They have not proved to me that the payment of {$40.00} was post to my card and have closed out my dispute. I have requested they open a new one. I hope to hear back form them soon but this should have been resolved the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2023, I purchased a {$200.00} Vanilla Gift Card owned by InComm Payments at XXXX in XXXX, CA. A few days later, when I opened the card, I discovered it was damaged and had a missing CVC number, which prevented me from activating it and using the gift card. 
I called the XXXX number on the back of the card, and they confirmed that all the funds were there. They offered to send me a replacement card but insisted on obtaining a state ID or driver 's license before releasing my funds. I had proof of purchase and an activation receipt from the merchant, XXXX, as well as pictures of the damaged card. 
I informed the customer service representative that their website did not mention requiring a government-issued ID for a replacement. I also pointed out that providing personal identification information violated my right to privacy, as their policies did not guarantee the protection of my personally identifiable information or prevent its sale to third parties.

Despite my arguments, the customer service representative refused to provide a replacement card without a government-issued ID, claiming it was company policy. Frustrated, I called a second time and requested to speak with a supervisor. When I pointed out to the supervisor that the customer representative had misquoted the policy based on what was displayed on their website in section 10, and began reading the relevant section to her, she abruptly disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Someone open a credit card account at Target. I never apply for a credit card. I called Target to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Some one made an account in credit karma and XXXX  got my info for the job background and the addresses they had were places I never lived so these people were using my info to do something which I don't know what

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I noticed a fund transfer from my XXXX XXXX account for {$7800.00} to Capital One bank. I did not initiate this transfer nor do I have a Captial One bank  account. I contacted XXXX XXXX and they reversed the transaction and they locked the account so that no further transactions could be done in the account. While XXXX XXXX  was looking at my activity they noticed another pending transaction for another {$1000.00} to the same Capital One Account. A few days later ( XX/XX/2023 ) I got a letter from Capital One saying the address on my account was changed from my home address in NY to an address in NJ. I therefore called Capital One to report this because I never opened an account at Capital One. I spoke with a supervisior in the fraud department at Capital One who took my XXXX and said that they froze all of the accounts. I asked how many accounts they froze as I only got one letter so assumed it was only one fraudulent account that was setup. They refused to give me any information about these fraudlent accounts. So now i am in a position where i have no idea how my XXXX was obtained or how many accounts may have been fraudulently opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX 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 response to consumer: Closed with explanation