BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-08-23
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX  XXXX Date Opened:XXXX Balance : $ XXXXClosed Late Date XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called united collections bureau multiple times back after receiving voice messages. They put me on hold to speak to someone each time and I got hung up. I left them multiple voice messages and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have spoken with Branch Manager XXXX XXXX of 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. 
-Capital One Auto Finance 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 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 XXXX XXXX XXXX XXXX  Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud.

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX  XXXXDate OpenedXXXX Balance : $ XXXXLate/Closed Late Date XX/XX/21

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 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We apologize, there seems to be an issue with your account preventing access to points. Please contact the number on the back of your card to speak to a representative. [ XXXX ] That error prevents me from booking reward travel and no one at Amex seems able to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unlawful sharing of my private information without my consent, with any and all third parties, including but not limited to credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged a monthly service fee on the account even though I met the requirements of having greater than {$500.00} in direct deposits during the month. 


On the phone I was informed this is because their monthly fee period does not align to calendar months and although the direct deposits had come through on XX/XX/XXXX the " monthly fee period '' ended on XX/XX/XXXX. 

This is apparently because they determine " monthly '' fee periods by number of business days ( she said XXXX business days on the phone ) instead of the actual days in a month. 

This was never explained by the banker who opened the account or the representative I spoke to the month prior who informed me to waive the fee I just needed to have {$500.00} in direct deposits during the month. 

Ultimately, this feels like a deceptive business practice to increase fees because they still refer to everything as the " monthly fee period '' and in an instance like this if the period ends before the last day of the month you only have XXXX direct deposit for that period and thus will not meet the direct deposit requirements.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX this morning experian closes another complaint without addressing the issue of them stealing now 18 months of on time never late payments to XXXX and refuse to give them back and give explanations that have nothing to do with the problem

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 2023-09-20
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting 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.

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 2023-12-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an credit card with XXXX XXXX  around XX/XX/XXXX or XX/XX/XXXX I called XXXXXXXX XXXX because my card was maxed out they said there were numerous internet charges for games made on this card. So I explained that they were NOT mine. XXXXXXXX XXXX service representative stated that I still had to pay for these charges. So I closed the card. I have recently found out from the NY State Attorney Generals Office that this was illegal for XXXXXXXX XXXX  to do this. Consumers are not responsible to pay for UNAUTHORIZED CHARGES made on a credit card. XXXXXXXX XXXX also has this phone called recorded in there data base as this conversation was recorded. Now XXXX XXXX  has sold this account to LVNV and they are reporting this debt on my credit reports. I have reported this to LVNV funding but they continue to ignore the law and keep reporting this on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: U.S. BANCORP
State: AZ
Product: Credit 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:
I have called since XX/XX/XXXX on this matter, and I have tried to get in contact with XXXX and XXXX since then and have had no luck getting with the correct person to finish my claim. I have been told multiple times that this dispute has been processed and the money was supposed to be taken off of my current balance since I had to pay for it last month. This was promised to be taken care of and the money was supposed to be credited before the XXXX. I have gotten nothing but a run around and everyone just pushes the responsibility to someone else. Every time I call in the next rep says there are no notes and no call back requests. I have called at least 15-16 times now to get this settled and I am always told that the person I need to talk to is not working or that they will call me back. I am now going to be facing penalties on my credit since this balance has not been removed yet. This is causing me so much more trouble than necessary and I am very disappointed in US Bank.

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 2022-08-23
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There are 2 entities reporting a past-due account in collections for XXXX XXXX. The entities Convergent Outsourcing and XXXX  XXXX are both reporting a past due amount of {$350.00} to {$400.00} owed to XXXX XXXX 

These are both fraudulent accounts and not authorized by myself. I have never opened any personal accounts with XXXX and currently have a business XXXX account that's current since XXXX. 

Attached items are .... 
Proof of ownership of my current Business Account, Business Articles of Incorporation, Convergent Outsourcing Letter dated XX/XX/XXXX Verifying Fraudulent Account, Proof of Fraud/Identity Theft reports .

Thank you

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 2023-11-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed complaint # XXXX with the CFPB on XX/XX/2023 in reference to issues I've been having with Equifax in an attempt to get some answers about incorrect information on my credit report. Not only have I been ignored. I've been fighting this roller-coaster of unexplainable credit score decline with no explanation, and when attempting to address these issues Equifax claims it can do whatever to me without recourse. Equifax is being enriched because of the information attained in me credit report despite inaccurate information causing me financial hardships and damage to my standing in the financial sector. The response to CFPB complaint # XXXX was that the information was removed yet, the report still contains singular accounts reported twice as well as inaccurate payment statuses and inaccurate late payments just to name a few of the negligent practices of Equifax. I'm not sure I comprehend this response, maybe Equifax could explain what they meant by, " A summary of the results are listed below : NON-REPORTING DISPUTES Trade : IRS THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, I sent in letters and they told me they will be taken care of when I send in this form. I was told the inquiries would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your XXXX credit reports.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX 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 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 2023-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 XXXX XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX 181891, 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 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
Consumer complaint received 2023-09-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I filed a complaint against Wells Fargo relating to misleading financing information on arrival for a dental appointment. My proposed resolution requested that Wells Fargo remove a derogatory credit card account from my file because I was misled and received the wrong financial product. I filed this complaint after attempting to work cooperatively with Wells Fargo for an extended period of time. I had hoped that this would be a painless process. 

Just hours after filing a CFPB complaint this morning, I received an Experian alert that Wells Fargo added new derogatory information to my XXXX credit file and " flagged [ my ] account as Charge-off ''. Attachments for review. Wells Fargo 's actions immediately lowered my credit score.

Laws and regulations enforced by the CFPB include anti-retaliation provisions for those who file complaints. I have questions and concerns about why Wells Fargo flagged my account with derogatory information less than XXXX hours after filing a CFPB complaint.

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 2023-09-29
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of fraud. Please remove all fraudulent items immediately. My identity has been compromised three times since XXXX. During COVID and in XXXX, I have reported this to the local police department. in XXXX Mi as well as the FTC. I've also placed a freeze on all three credit bureaus here is a list of the fraudulent inquires and accounts number one is XXXX, XXXX, state of Michigan office XXXX, Texas 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 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 # 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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