BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-01
Company: EQUIFAX, INC.
State: PR
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 had disputed an account that was open fraudulent. It took more than 3 months. 
I call XXXX XXXX  to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened a fraudulent account in my name i reached out to capital one multiple times about this account once i found out about it via my credit report. Captial One was very rude and unprofessional, they kept saying they couldn't find the account than they said that they sent something via email for me to fill out which was a lie as well, i am currently working with my family lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I contacted on XX/XX/XXXX and was told I would get return call on XX/XX/XXXX. I got no call, so I called and no solution was given. I was told to come to the branch, but there was no confidence. This was for Fulton Bank in XXXX A biller hit my bank account with automatic payments in error for very small single digit amounts. For each amount, I was charged a {$39.00} fee as well as {$6.00} a day overdraft fee. My charges were less than {$300.00} from the automatic payments. The fees assessed by the bank is close to {$600.00}. This is predatory and excessive charges. I have been a customer of this bank for 13 years and never had this issue. They just dont want to waive any fees and want me to go bankrupt.

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 2022-09-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I responded to a XXXX XXXX in XXXX. This is what the Ad said. The program is for individuals with good to excellent credit. If accepted in the program. We compensate up to {$5000.00}. Summary. Program. Get paid to use your credit. Legal Doc for partnership,, Quarterly Dividend, Free Credit repair with partnership, Contact XXXX for more information at XXXX. 
XXXX and I did. XXXX welcome me in the program. Met with me in XXXX Florida, l sign a contract l thought was real. He said the contract would show he was liable for any debt, l order cards for XXXX American Express, XXXX XXXX XXXXXXXX. He had me to use his address .So l never received. Bills.. I never use these cards for anything, l think he paid online. Until he decided he was not going to pay anymore. He block me on the phone. I sent the police to the address he provided at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXl XXXX and found XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX. XXXX Florida XXXX. This address is current. He charge over {$14000.00} with XXXX  in which l never receive a bill l later found out through email. This scammer also charge over {$8000.00} on American Express. I am receiving calls XXXX. I want this debt charge to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I did not make any purchases on this card and I never received bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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 US Bankruptcy Court XXXX  Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX Collections, prXX/XX/XXXX acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I opened a chase business account online. I would have rather opened an account in person however there were no available appointments anywhere near me at a Chase branch.I funded the account, was issued a debit card and began providing the account details to merchants, vendors and my direct deposit provider. Chase also provided me a promotional code for cash back after funding and making 5 transactions. I attempted to login to Chase website on XX/XX/2022 and it instructed me to call however it was after XXXXXXXX XXXX and they were closed. I called again on XX/XX/2022 and the hold times were incredibly long to speak with someone. I waited over an hour before I had to disconnect the call to get back to work. I finally spoke with someone on XX/XX/2022 and I was told that my account had been closed because the account was opened online and a " suspicious '' email and phone. At no point did Chase call, email, or otherwise send any correspondence to me at any of the contact methods they have to let me know they needed verification. I have been a client for over 20 years so if they wanted to make an effort to get in touch with me they would have tried. The representative I spoke with on XX/XX/2022 confirmed that no effort was made to contact me about the account closure. Adding insult to injury, Chase continued to send me marketing offers via email after the account was closed. They were able to contact me to sell products but not to inform of a pending account closure. My small business has been disrupted as I have to open a new account elsewhere and redirect payments and deposits. Chase made no attempt to remedy this situation and showed zero remorse over their error, lack of effort and general incompetence in this matter. I was treated unfairly by a mega organization with virtually limitless resources. There is no recourse when they step all over the small business owner. Disrupting minority owned small businesses is not the right thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 section 602 A , states that I have rights to privacy. 
15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX I have attempted numerous of times to see if the debt belongs to me since it was obtained during a time I was in prison which was public records all the company keeps sending me is a letter with a past due amount and my name on it.. 
The same thing with portfolio recovery Now if the debt is mine I am requesting everything I am allowed bi law to obtain like payment history how made payment or purchases you know its six years old and all I get from these companies is a letter with my name and a past due amount.. if its mine I will accept responsibility but am not paying for something like that I dont remeber owing.. and all I keep getting is the same letter my name and a past due amount nothing nothing to say it was me.. please help me obtain the relief I am allowed bi law to help me fix my credit I dont want to report fraud to start another negative remark for 7 years just because these companies keep saying I owe them with a letter and my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters to XXXX, Transunion, and XXXX to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Acc # XXXX Transunion XXXX # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  Acc # XXXX XXXX Acc # XXXX XXXX  XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.

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 2022-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX RE : Wells Fargo Notice of disputed charge to Account # XXXX Claim # XXXX Dear CFPB, I am writing to dispute a charge of {$400.00} to our business checking account on XX/XX/2022. The charge is in error because a fraudulent service was performed on our lawn and we were a victim to a fraudulent scam. XXXX XXXX, the alleged landscaper, sprayed various chemicals on our lawn and killed our grass. We were told the lawn was properly fertilized and seeded. Instead, he sprayed toxic chemicals on our lawn, and covered the lawn with mulch and topsoil to cover the evidence. That weekend, it took two days to remove the thick mulch and topsoil on our grass to discover the lawn completely destroyed. It was yellow, brown, and black. Some spots were completely bare. 

We filed an immediate police report on XX/XX/2022 against XXXX XXXX with the XXXX XXXX Sherrif 's Department in XXXX XXXX, CA. XXXX XXXX scammed us by offering a fraudulent service as a professional landscaper. Other neighbors as well got conned and scammed. He has numerous police reports against him with the XXXX XXXX Sherrif 's Office between the dates of XXXX. My police case # XXXX. The XXXX assigned to my case is : XXXX XXXX # XXXX. I also filed a case with the Federal Trade Commission # XXXX. 

Unfortunately, we were victims of a fraud crime. This was a case of bad service, fraud, and services not rendered. We are requesting our payment to XXXX XXXX be refunded back to XXXX based on fraud. 

On XX/XX/2022, I filed a fraud case with our bank, Wells Fargo, within 10 days. Nobody from Wells Fargo called me, emailed me, texted me, or sent me a letter in the mail regarding my case. They did not know any details regarding my case. However, on XX/XX/2022, I was send a letter from Wells Fargo declining my fraud claim. Wells Fargo states on their website they research fraud claims. This was false in our case. We have been customers for over 25 years to Wells Fargo and have never filed one fraud case. We take fraud very seriously and would only file a fraudulent claim if it were 100 % true and accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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:
n 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

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 2022-06-08
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:
n 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NY
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 disputed multiple inquiries to being ignored by this company. Some of these were pulled multiple times in one day to which I never authorized. Most I have never even heard of.

Attached is a copy of the last letter sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: National Credit Systems,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:
The credit bureau never did a proper investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I contacted TransUnion online on XX/XX/XXXX to unfreeze my credit report so my lender could process an auto loan. During the process I was tricked into signing up for monthly credit monitoring and then received an alert from my credit card company that a {$29.00} charge was put on my account. I called TransUnion on XX/XX/XXXX and was able to cancel the subscription but they would not reverse the first charge of {$29.00}. I want a refund.

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 2017-08-12
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a credit card account with a clothing company called XXXX it was issued through Comenity Bank approximate date opened was XXXX 2017 I bought one item then closed the account. I continued to make payments till the account was paid in full. After making the last payment I received a bill for XXXX plus a XXXX interest charge saying late fee this was XXXX. I contacted them and informed them this account was closed and paid off. I was told it would be taken care of. I have continued to receive bills every month for the past 3 monts with the most recent being XXXX for late fees!! Again this is a closed and paid off account!! Comenity bank is trying to wrongfully extort money from me and have reported this to the credit bureau this will affect my score. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, I contacted Nelnet last Wednesday ( XX/XX/XXXX ) to ask my request for a refund that was made during the Covid forbearance. They keep saying my refund request is still processing, but not giving me any detailed information about that. It's been almost five weeks since I first contacted for a refund ( XX/XX/XXXX ) but still no updates on everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have disputed a bankruptcy being reported on my credit report. XXXX had deleted it upon not being able to verify but XXXX and Transunion updates it without deleting. I contacted the courts who stated they do not report to credit agencies being it is a violation of privacy laws. Attached a letter will be included. My consumer rights state you can not obtain information from a third party but rather the original party only. Being I have proof the courts did not supply this information I have a right for removal.

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