BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fraudulent accounts, information, and activities have contaminated my Credit File, and I am once again requesting the removal of such information resulting from the fraud. It is important to note that my personal information was exposed in the XXXX data breach. I am submitting this complaint via the CFPB to request that the three major Credit Reporting Agencies remove the accounts and information that remain on my Credit File, despite the actions they have taken in removing a portion of the disputed items. I have been requesting that they remove the accounts and information resulting from fraudulent activities. While I appreciate their efforts in removing some of the fraudulent accounts and information, I am seeking help once more to request that they remove the remaining fraudulent accounts. 
The accounts, inquiries, and inaccurate addresses listed are not associated with me in any way. I have neither received any money, goods, nor services as a result of identity theft, nor have I authorized these accounts. I urgently request that the Credit Reporting Agencies promptly remove any affiliation of these items with my identity. I need the help of the Credit Bureaus in removing the following items from my Credit File : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX-discharged Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. This is my numerous request for the Credit Bureaus to remove these items, and I do not lose hope in resolving this matter as peacefully as possible. If the Credit Bureaus ' investigation finds that the disputed items belong to me, I require them to send me copies of the documents they found during their investigation. In the absence of such documents, immediate removal of the disputed items is expected.

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 2023-07-19
Company: State Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving a debt from State Collection Service, Inc ( debt collector ) on behalf of XXXX XXXX XXXX. My mom was in one of their facilities in XXXX, NC ( XXXX ) and died on XX/XX/2023. Her rent was paid in full and she had no outstanding balances when she died. They turned this bill over to collections saying i owe the {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the pandemic I applied for a loan through sun XXXX XXXX. Just like everybody else we were experiencing hard times during the pandemic. XXXX XXXXXXXX XXXX approve me for a {$3000.00} loan or so I thought. They claim to put it direct deposit in my account at Bank of America. I thought that everything was fine. I started to pay my overdue bills and my card kept shutting down so I would call the bank and ask them why they would shut my card down I did this XXXX times each time they unlocked my card. On the XXXX time that I called I was very very irritated because it was happening every time I use my card. When I contacted the bank I was put on hold for over XXXX minutes then I had a bank representative tell me if they were canceling my checking account they said it was because of a difference of opinion I was a banking customer with Bank of America for over 11 years I had a safe checking account with them. Needless to say I was completely dumbfounded. When I ask to speak to a supervisor or a bank XXXX I was denied and hung up on. Well of course I called back and demanded to speak to a bank XXXX I was told that it was a {$3000.00} claim supposedly made by me on my checking account and that they had given me a {$3000.00} credit. I was flabbergasted to hear this. I asked the bank XXXX why would they give me a {$3000.00} credit on a claim right away when before when I had made a {$20.00} claim because a machine charged my account twice they made me wait to complete the investigation before giving me my {$20.00} back. Why would they give me a {$3000.00} credit on a claim that I never made. I asked the bank XXXX who was it that made the claim did they ask for credentials or anything of that nature. Well with that I was flabbergasted I tried to contact XXXX XXXXXXXX XXXX who I could not contact anymore. But I did manage to keep all the correspondence with them and I explained this to Bank of America who was supposed to protect my account with my safe banking. Well with that the money that I have spent on bills was now owed back to the bank for a claim I did not make. My account was shut down and they kept my direct deposit from Social Security to pay back this money. Then to top it all off they completely destroyed my credit and any other chance of continuing to bank with a reputable Bank. Bank of America is not that safe when they say safe banking. After calling constantly and trying to talk somebody with some sense that would help me with this matter. They allowed me to open up a new account with numerous restrictions. They still expected me to pay back what I had used for bills during the pandemic. Bank of America is not a good bank at all.

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 2023-10-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a moment to go through the documents provided. I am urging the bureau to launch an inquiry into these accounts, as I have never been late on them, yet they are reporting me inaccurately.

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 2023-02-18
Company: W&A Intermediate Co., LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a medical bill collection from WakeField & Associates with a balance of {$390.00} upon contacting the company, they told me they were a collection company attempting to collect a medical debt. I do not owe this debt my medical bill was paid in full I have attached a copy of the bill from WakeField & Associates and also a letter from XXXX XXXX XXXX that my medical bill was paid and it was approved for a full write-off of all medical charges and also XXXX XXXX said that there office can be contacted to verify my medical account has been paid and written off, my case number with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Auto inquiries on my credit report I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
The following companies have pulled my credit. I suspect someone stole my identity because I have not applied to any of these companies : 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 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 2023-01-24
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I got the private student loan with American Education Services in XXXX and approved for XXXX dollar. I made a payment since XXXX made my payment since then which totals approximately XXXX dollars now. However I still have remaining balance of XXXX dollars. 

Account # XXXX Borrowed : {$20000.00} Paid : {$37000.00} Remain to pay : {$10000.00} as today 's date of XX/XX/XXXX Creditor : American Education Services ( www.aessuccess.org ) / XXXX I had talk with CS team and lender whom said I can not lower my balances anyhow. 

Please let me know what I need to do to avoid my remaining balances

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Account information incorrect

Complaint:
I recently disputed late payments with Transunion stating that the late payments are innacurate and I was never late, to show me documentation/ proof that I was late if not they need to change payment history as never late paid on time. Transunion got back to me with investigation results stating that both accounts I disputed are accurate, but I never disputed one of the accounts there talking about, and they never sent me documentation : proof that I was late on payments. If they can not show me proof / documentation that I was late on accounts they need to follow my orders and delete. They cant just say its accurate without showing documentation. In order for an account to be late on payment, I the consumer need to be sent a a letter 21 days before due date that I owe such and such amount, I never received that letter, also Ive never even have written authorization for this to be furnished which is libel defamation, I ask for documentation / proof for the written authorization and documentation proof I was late and Transunion didnt attached none of those documents together with investigations results. Also I disputed XXXX  XXXX and XXXX. Transunion showed me investigation results of XXXX. And XXXX XXXX I never disputed 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 2023-02-10
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$740.00}.

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 2023-02-10
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had Charged off status on an account that was linked to another positive account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. this account must be fixed : XXXX XXXX Balance Owed : {$1600.00}

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 2023-08-14
Company: Incomm Holdings Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a prepaid Visa for {$200.00} at the XXXX XXXX in XXXX Oklahoma on XX/XX/2023. It is branded Vanilla with website VanillaGift.com. I gave the card as a gift to my brother. 

The card could not be activated. After speaking to the store manager, XXXX refused to help, directing me to Vanilla instead. They also refuse to help without a receipt which I no longer possess. 

It would be completely possible for XXXX to help by retrieving the receipt from their records. They refused. I spent {$200.00} for a gift for my brother and it seems to be money handed over to them with no product or service any return. I've been defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
# 1 ) We are a victim of the {$35.00} overdraft fee ( not once but twice in XX/XX/XXXX ) settlement that Bofa made with CFPB. Attached news article regarding this. 

We have been a loyal customer for more than 15 years and yet when asked them respecfully to waive the fees they declined, despite escalating it to the rep 's manager ( XXXX - id XXXX ). Her manager XXXX wasn't available to discuss the matter. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Below is an excerpt from the article : " Bank of America eliminated all non-sufficient fund fees and reduced overdraft fees from {$35.00} to {$10.00} in the first half of XXXX. As a result, " revenue from these fees has dropped more than 90 percent, the bank said in a statement to XXXX XXXX '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - # 2 ) We have also been charged {$12.00} " Monthly Maintenance Fee '' - the minimum balance was {$750.00} - at some time it was raised to {$1500.00} - we kept thinking it was the former out of habit and we were out of country for 3 months in XXXX when we were charged this fee 3 times. The rep was able to refund us the fee for 1 month but refused to do so for the other 2.

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 2023-09-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
We have been asking this company where have they been wire transfering our payments to, no answer yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is a way that in this case Wells Fargo Bank, steals property that was in a contract that has, a non assignment or conditions on assignment, clause in it. Wells Fargo Bank uses mergers as a method to steal property. I the buyer and the seller of property, signed a contract, with conditions on assignment. The conditions were, that the contract could be assigned, but only, if I signed and accepted the terms of the, new contract. So per the conditions of the contract the seller and me the buyer, we assigned it to a lender, XXXX XXXX XXXX XXXX had their agent, sign to agree with. all the conditions in the contract. Let 's say. XXXX XXXX is the first lender that signed, agreeing to all the conditions In the contract, then XXXX XXXXl, breaches the contract, when they are taken over by XXXX XXXX, XXXX XXXX ignores the contract, then XXXX is put out of business, and is taken over by Wells Fargo Bank. Wells Fargo Bank, claims, ownership of the original contract, the one breached contract, breached by XXXX. But Wells Fargo Bank, " makes a material change in the contract, and anybody that knows contract law, knows that when a " Material Change, is done to a contract, that not only, allows the other party to the contract, not to have to do anything more, but it makes the whole contract " void '' and this is the law in any state inthe United States Of America, if anybody wants more proof, one question, why would Wells Fargo Bank, file a law suit, not under the name, real party in interest, ( Wells Fargo Bank ) which is required in any court, but Wells Fargo Bank, claims they are now XXXX, but Wells Fargo Bank, files the case to take the property, Wells Fargo Bank, files the case under the name of XXXX, who not only was out of business at that time, but XXXX XXXX never had the, contract assigned to it. By this way of stealing property, nobody 's property is safe when Wells Fargo mergers with another company.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Hello, I find some descrepancies with my credit reporting. 

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15USC1681 section 602 states, I have the right to privacy.

15USC1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Company name : Khols/Capone . 
I do not remember the exact date that I called them but I very positive that I had called them back in XXXX and while the issue was resolved immediately, the derogatory remarks stayed on my report. I lastly called them last month XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief