BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been disputing my 3 credit reports trying to get them to remove XXXX XXXX XXXX show I owe XXXX and the account was opened XX/XX/2018 I never had a account with XXXX XXXX XXXX and they can not send me any documents showing so. I have tried with no success. all three bureaus just keep siding with them. 

also I have disputed all three bureaus about XXXX XXXX XXXX -- shows I owe XXXX past due on charge off account. The account was not charged off My report shows XXXX XXXX XXXX XXXX balance closed. You had to have a saving account to get the card the 2 are link together. They sent me a refund. My balance should show XXXX. 


I have uploaded proof of both accounts and errors.

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 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}

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 explanation
Consumer complaint received 2017-01-17
Company: MONEY SOURCE, INC., THE
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My payment has been paid on XXXX/XXXX/2017 which was mailed on XXXX/XXXX/17 and still as of XXXX/XXXX/17 my payment has not been posted to my account, and been advised I will get late fees even though im still under RESPA protections. also the sub servicer XXXX would not admit that the loan is serviced on behalf of The Money Source. so the whole process ive been lied to and no help resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 tried disputing XXXX XXXX XXXX  with 2 of the credit bureau and they are not listening to my concerns. XXXX XXXX XXXX will not send me the detail of the charges or the contract or lease. They have also put 2 accounts on my credit report which is unfair and making my credit suffer. XXXX and XXXX how can I have 2 accounts. 

When I contacted XXXX XXXX XXXX XXXX stated I only owed XXXX so how did XXXX XXXX come up with so much. I want these accounts delete.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : 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 2021-07-06
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: Investigation took more than 30 days

Complaint:
An account was obtained via fraud, someone used my personal information without my consent to obtain an auto loan through XXXX XXXX. However, that account was to be removed from all of my personal credit files, XXXX  and XXXX  both adhere to the request after a thorough investigation. However, Equifax has chosen to continue reporting this account. That said, due to this inaccuracy listed in my Equifax file, I have suffered multiple adverse actions in lending and employment, which have caused me tremendous financial hardship. 

In addition to my complaint, XXXX XXXX has violated the law and is not in line with the Fair Debt Collection Practices Act. The original creditor continues to report the account to Equifax but sold the account to a third-party collection agency that is reporting the debt. 

I am contacting this agency hoping that a solution is rendered regarding my Equifax credit file 's inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was late on paying my Discover account due to trouble making payment through the discover app. I was charge a late fee of XXXX XXXX. Which was refunded. But my minimum payment went up by XXXX XXXX  for the next month. Upon Discovers policy there calculations for late accounts you have to pay XXXX XXXX   plus an extra XXXX, plus 2 percent of Balance owing that goes towards balance owing. Upon this calculation you are paying an additional XXXX XXXX  plus on top of the monthly minimum due balance which is going to the balance owing. I was late paying XXXX 's minimum amount due. Therefore, XXXX 's payment has been increased by XXXX XXXX. Eventhough it goes to my balance owing and not to Discovers pocket for late charge ; I am still being charge a late fee in another form of punishment for paying late. Discover calculations on late payments practices should be reviewed period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: TX
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 tried disputing XXXX XXXX XXXX  with 2 of the credit bureau and they are not listening to my concerns. XXXX XXXX XXXX will not send me the detail of the charges or the contract or lease. They have also put 2 accounts on my credit report which is unfair and making my credit suffer. XXXX and XXXX how can I have 2 accounts. 

When I contacted XXXX XXXX XXXX XXXX stated I only owed XXXX so how did XXXX XXXX come up with so much. I want these accounts delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. I did a chargeback to Capital One to fight a charge from a merchant who refused to honor a contracted refund guarantee 2. The merchant wrote back to Capital One arguing that the charge was correct ( with bogus paperwork that said nothing about the contract they breached and actually proving I qualify for a refund plus 50 % of investment which would amount to {$10000.00} ) 3. I submitted evidence of the contract and highlighted how they breached it by refusing a refund 4. Capital One ignored it and put the charge back on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: FIRSTBANK
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
First Bank refused to give back or honor my Promissory Note created in accordance with XXXX, Federal Reserve Act section 13, 31 U.S.Code 5103, 18 U.S.XXXX 8. This dishonor is covered by XXXX XXXX. The Note was supposed to go to XXXX XXXX it was dropped there by mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-07-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have reported to Comenity Bank / Alliance Data over 2 months ago a dispute in reference to several invalid transaction that Im owed credit by the merchant. I have provided all relevant supporting documents along with a letter from my attorney with Confirmation from Visa USA concerning the time frame set by Visa. Unfortunately, while Comenity has indeed given me a temporary credit on these 3 transactions, they have not resolved these disputes and as reported to me they havent even began the 1st step of permanently recovering these funds. As outlined by my attorney in the documents submitted to Comenity Bank, Per Visa USA, Comenity only has 120 days from the date of the credit documentation to submit a proper dispute. These 120 days run out on XX/XX/XXXX. Comenitys negligence is unacceptable. They have no right or business to sleep on this file for 60 days and do nothing. 

- this was also reported to Comenity, but at the time, Comenity wrongly assumed they were already credited on XX/XX/XXXX and they did not notice that these credits were reversed the next day on XX/XX/XXXX. several months ago a was finally able to obtain a pledge for credit from the merchant, only to fall pray for Comenity to sleep on the file for a few months and do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TX
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 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 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 2021-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX Called XXXX XXXX XXXX to XXXX. I paid with my Debit card to : XXXX XXXX XXXX amount of {$1600.00} they supposed to send me XXXX within 30 days which, fit my XXXX XXXX XXXX XXXX They sent me wrong XXXX which, i wasnt happy with it. Then, i return it back to them. Since then i didnt hear from them. I called my bank to dispute it. Because wasnt happy with their service. My bank, Wells Fargo said that, you sent a check, check number XXXX. Unfortunately we can not return your money back. I told them, first of all my checking number is around XXXX how did i issue a check number XXXX to XXXX XXXX XXXX? 
I called Wells Fargo several times after hours on the line again somebody coming on the phone ignor that to pay my money back. 
I need your help. I don't know how should i get my money back? Besides same XXXX XXXXXXXX XXXX XXXX selling for {$1600.00} I found that in XXXX for {$35.00} one time payment. 
I am willing to provide you the picture of that check XXXX Wells Fargo issued with out my permission & No signature. 
Thanks

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 2022-04-13
Company: Bread Financial Holdings, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The debt collectors communication was extremely unprofessional. His tactic was very aggressive and profane. He was harassing me about my personal reasoning. I had asked him to call me back when it was appropriate because I was on my way to work. He then started to argue with me. I had already told him to document in my notes that I would pay my balance in full the next day. He continued to yell at me and when I hung up.. clearly my credit score took a hit because of his unprofessionalism.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-11
Company: LENDER LIVE
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced last year XX/XX/XXXX with XXXX mortgage who then sold the mortgage to Lender Live mortgage company. I received a notice my taxes were never paid and my house would be auctioned off XX/XX/XXXX. I called Lender Live on XXXX XXXX, 10 days ago. I emailed the auction notice per their request the same day, XXXX XXXX. I called them back XXXX XXXX and issue not taken care of. I called again XXXX XXXX and XXXX and they still had not resolved the problem or paid the taxes. Today I received a letter from my house insurance that my insurance was not paid either by Lender Live as it should have been thru my escrow. Also they have not paid taxes that was due XXXX XXXX. Now it appears not enough money will be in my escrow to pay all taxes and insurance when amounts have not increased and I have previously always had a surplus in escrow before. Lender Live should have been tracking my insurance and taxes as their full responsibility to pay these thru my escrow.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
{$2200.00} was stolen from my account XX/XX/21 from a series of transactions from XXXX from XXXX  and at least XXXX XXXX  and XXXX XXXX. I woke up to a XXXX cash app account balance and immediately cancelled the card to avoid future charges. Someone duplicated my cash app card and used in New York on an XXXX. Im in Alabama and own an XXXX. The following day the card produced negative balances when the pending cleared as I was advised thats all I can do while they look only in the end to be told its too late .. the payment was captured. I have been patient and allowed Cash App to investigate, the case was closed due to no response when no further communication was needed from me 3 days later. I reopened it the same day and a week later only {$20.00} refunded XX/XX/21 and said they were working on the other transactions. When I followed up XX/XX/21 about the other transactions I was only told XXXX and XXXX had already captured the payment and basically there is nothing else that can be done, despite my account being hacked and money being stolen. Ive spoken with countless customer service representatives, dispute team, managers, and even email corporate executives to only have mail blocked. I need a full refund and potentially due to damages. I work hard for every cent I receive and have a family to provide for, this is beyond unfair for my money to be taken and be dismissed from everyone from the tail to the head of Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$210.00} / XX/XX/XXXX XXXX XXXX / {$750.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$240.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$260.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$9500.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/XXXX XXXX XXXX / {$74.00} / XX/XX/XXXX XXXX / {$460.00} / XX/XX/XXXX XXXX  / {$280.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/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 2022-04-13
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$9500.00} / XX/XX/XXXX XXXX XXXX XXXX / {$210.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$240.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/XXXX XXXX  / {$460.00} / XX/XX/XXXX XXXX  / {$460.00} / XX/XX/XXXX XXXX  / {$280.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX ( Original Creditor : )/ {$20.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Ability Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a follow up and not an initial dispute. CFPB - PLEASE ATTEND TO THIS ISSUE. 

The company was given my identity theft affidavit, and shown I've done a local police report. FCRA 605b requires that they cease any and all collection activity as a result. They stated they're going to request an itemized bill, something ANYONE can type and send. This company is frivolous and needs to be shut down. They have 0 documentation that will stand in court, especially against IDENTITY THEFT. 

They are in violation of my rights under the FCRA. FCRA 605B, 609, AND 623.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$9500.00} / XX/XX/2022 XXXX XXXX XXXX / {$210.00} / XX/XX/2022 XXXX XXXX  / {$750.00} / XX/XX/2022 XXXX XXXX XXXX/ {$240.00} / XX/XX/2022 XXXX  XXXX  XXXX / {$260.00} / XX/XX/2022 XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/2022 XXXX  / {$460.00} / XX/XX/2022

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 2017-03-27
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a inquiry alert from Experian on XXXX/XXXX/2017 in regards to XXXX inquiring and accessing my Experian credit report. The inquiry from XXXX is an authorized and fraudulent inquiry. It do n't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/2022 XXXX XXXX  XXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022

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 2017-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America cleverly places the amount I overpaid as a credit balance on the card. 
NOT! 
I want a paper check in the amount of the overpayment. It was cash paid to them. I want cash paid to ME. 
Further I want them to close the account as CLOSED BY CONSUMER. Otherwise they will deplete the balance with an annual fee since there is NO BALANCE.

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