BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical center never sent any communication of amount owed or what services were rendered. Received call from random collector in XXXX AL who did not identify themselves as collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX Reason : Identity theft Please remove it from my 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 non-monetary relief
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I submitted a complaint with CFPB about Equifax reporting the wrong address on my consumer report. The inaccurate information was corrected until today XX/XX/2022. That same address that was removed has been placed on my consumer report again instead of my correct address. 
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. 
The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
State: TX
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:
The accounts listed in the FTC aren't mine.

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 2022-11-25
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-08-21
Company: EQUIFAX, INC.
State: AZ
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:
PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is an ongoing issue with " Portfolio Recovery Associates , LLC ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well. 

A " XXXX XXXX account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother. 

A " XXXX XXXX account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no XXXX XXXX physical offices in our area ) and was in her late XXXX 's when she passed away. 

Portfolio Recovery Associates , LLC do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Across all 3 major credit bureaus they show inaccurate information and have been unwilling to correct. 

XXXX XXXX and XXXX show 30 Days on XX/XX/XXXX and XX/XX/XXXX all other months show paid as agreed XXXX shows 60 Days late for XX/XX/XXXX and XX/XX/XXXX Inaccurate data provided to bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
Companies have used my information to create or open accounts I did not authorize. Also they have sold accounts I have not authorized claiming I owe the debt to which I do not. I have contacted these companies a number of times to get these things taken care of and removed from my credit report. 

In accordance with the fair credit reporting report XXXX  all accounts on my credit file has violated my rights. 

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

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

XXXXXXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A states I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I placed an online order with XXXX XXXX and used Paypal to complete the payment for the order. 

I was sent emails that my order was shipped on XX/XX/2022. But when I did not receive the items. I called XXXX XXXX on XXXX and they said it was delivered he to a different address than I entered when I ordered. I asked why was the address changed by them. They had no answers to that, so I asked for a refund or to send a new order to the address I entered in the first place. The refused and said they do not replace or refund on orders they already delivered. 
The same day XX/XX/2022 I spoke to Paypal and they admitted to changing the address upon completion of my order. In still they refused to refund my money for my order. They suggested I file a inquiry request on their website so they may inquire with XXXX XXXX. I did submit the inquiry request asking that I receive a refund for my order, but it was denied on XX/XX/2022. 
Ultimately it is Paypal 's fault for changing my shipping address after I typed in the address I wanted it sent to. I asked them how were they able to change my shipping address after I confirmed the order. They said they have to use the address on my Paypal account. This is not true because I ordered from XXXX XXXX on XX/XX/2022 and used Paypal and it was shipped to the address I provided. I would like Paypal to refund the price of my transaction for my misdelivered items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: AZ
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:
We leased a vehicle from XXXX XXXX which finances through XXXX XXXX, a dba of XXXX XXXX. The dealer pulled my credit twice and on the same day XXXX XXXX pulled it. As a result my FICO score declined from XXXX in XX/XX/XXXX to XXXX in XXXX. 

Additionally, XXXX XXXX pulled my credit on XX/XX/XXXX even though I have no XXXX XXXX accounts open. 

These FICO scores are complete nonsense. I am XXXX  of an oncology therapeutics company, have an adequate personal income from employment, and am continually reducing hangover debt balances built up during business startup. 

I note that different lenders use different FICO algorithms, with XXXX XXXX consistently choosing an algorithm least favorable to customers. 

There is no reason to have multiple credit reporting agencies making money out of their misconstrued view of my creditworthiness. Lenders should ONLY be concerned with payment record, and mine is perfect. All the rest is simply an excuse to overcharge the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX had a open closed case with me and is report Three accounts to all three credit reporting agency XXXX, XXXX and Transunion that was voluntary dismissal WITHOUT prejudice. This has affected me where as i could not get a refinance loan.

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 2022-04-23
Company: EQUIFAX, INC.
State: MD
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, has violated my rights.

15 U.S.C 1681 Section 602A : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Approximately six weeks ago, we ( my wife and I ) became the victims of a group of individuals posing as agents of XXXX, XXXX who would help us secure our account which they claimed had been breached. We had been in contact with them by phone almost daily. During the ensuing weeks, they had withdrawn small amounts from our accounts which were reversed almost immediately. They told us that this activity was necessary to secure the accounts and to monitor them. 

On XX/XX/2022, I noted that there was an unauthorized wire transfer from our Wells Fargo joint checking account to XXXX XXXX XXXX  in the amount of {$4100.00} plus a {$30.00} fee. I contacted Wells Fargo Fraud Department informing them that the transfer was unauthorized by us. The wire transfer was posted on XXXX. We received a letter from Wells Fargo stating that because the wire transfer was made using our user id and password, Wells Fargo will not reimburse us. Note, I notified the fraud department prior to the wire transfer as per Well Fargo procedures regarding wire transfers. Furthermore, we were never notified that the wire transfer was completed. Their regulations are vague regarding how they were to notify us.

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 2022-08-21
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Citibank and was approved. I set up direct deposit. XXXXour days later they send an email saying they are closing my account in ten days due to a report from early warning services ( which should be done before approval ). My pay check had already been sent there for deposit. Once it showed in account I tried to withdraw, and also tried to wire the money back to myself. When I tried they would ask for info to check information and then say it doesnt match and they cant help ( but it is my info ). Told I will receive a check in 90 days. I can not wait 90 days. I filed a complaint with XXXX and get an email back from them that was XXXX help. It was just a copy of their policy saying they have the right to close account. Of course, I just want my money so I dont get further behind. There are numerous reviews online of this happening to lots of people. Their customer service is out sourced and doesnt understand the situation.

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 2022-07-27
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a company reporting inaccurate information on my credit report. I have reached out and have been unsuccessful in my opportunity to get those things removed and deleted from my credit report. This creditor is reporting that I owe XXXX and I have not authorize nor did business with this creditor. I am asking for verification that this debt is valid and where did they get this information from.

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 2022-06-22
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I review my mortgage statement from Freedom Mortgage Corporation and realize that it had increased in the amount of {$100.00} due to Other/Optional Products XXXX once I contacted the bank they proceed to inform me that this was a home warranty and told me they needed to transfer me to the company so I could cancel it, when I ask why was I enrolled in that product they just transfer me, I spoke with 3 representatives at the company XXXX XXXX XXXXXXXX and they just keep transferring me to someone who could cancel the account until the account last employee from XXXX XXXX XXXX Hang up on me I call Freedom Mortgage Corporation back to explain the situation and customer services representative told me that she could not help me and I needed to contact the company to cancel so I told her to try to get a representative on the line who could help me and she realized the she could not get anyone to cancel since they hang up on her, I requested a manager and a man called XXXX came to the phone to explained that there was nothing they could do, then I request to cancel my auto payment and were unable to do it either I've been at this for the last 4 hours, in my opinion this is a Fraud perpetrated by Freedom Mortgage Corporation in collusion with 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 2022-08-21
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief